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Below is the uncorrected machine-read text of this chapter, intended to provide our own search engines and external engines with highly rich, chapter-representative searchable text of each book. Because it is UNCORRECTED material, please consider the following text as a useful but insufficient proxy for the authoritative book pages.
GABRIEL OTTO WESSENAUER 253 one rural home in four had electric service when Wess took charge; by the time of his retirement, rural coverage was virtually 100 percent. He en cl his associates persuaded Congress of the feasibility and wisdom of discontinuing the I VA power program's reliance on congressional appropriations and allowing TVA to SSUe ltS own securities. The Chattanooga Times said of Wess: "He sees hisjob in human terms as well as kilowatts and self-financing plans. He likes to think of the transformation TVA power has wrought in countless farm houses and mountain cabins, where water is now pumped instead of carried, and where modern ranges, refrigerators, and washing machines lighten the housewife's burden." Although his work was of major importance to an entire region, Wess was a humble, private person. He was a man of spotless integrity. His example was reflected throughout the organization he led; it had an enviable worldwide reputation for quality and effectiveness. Wess the engineer was ever efficient and usually reserved. But he was also Jim, the loving husband, father, grandfather, and churchman. He was a member of the church council and was a Sunday school teacher for over fifty years. He was preceded in death by his son, the Reverend James Wessenauer, and left his devoted wife, Jenny; daughter, Joy; and six grandchildren.
SAKAE YAGI 1904-1991 BY HOYT C. HOTTEL SAKAE YAGI, former head of chemical engineering at the Uni- versity of Tokyo, then executive vice-president of Chiyoda Engi- neering and Construction Company, died on July 15, 1991 (born Meiji 37) at the age of eighty-six. Because of his contributions to chemical engineering education, research, and industrial appli- cations, Dr. Yagi was elected a foreign associate of the National Academy of Engineering in l9S1 and was considered by many of his associates to be Japan's number-one chemical engineer. Dr. Yagi's higher education started at Tokyo Imperial Univer- sityin applied chemistryand led to research in the fields of optics and infrared spectroscopy. Dr. Yagi left Tokyo Imperial Univer- sity to become an assistant professor in chemical engineering at Tokyo Institute of Technology, where he developed his interest in fuels, furnaces, radiative transfer, and combustion. In 1935 he was given a two-year leave of absence to study abroad. His first year was spent in the Chemical Engineering Department of the Massachusetts Institute of Technology (MIT), where he carried a heavy load of graduate subjects while doing research on flame lengths. In a farewell dinner party for the chemical engineering staff, he said that he would return to Japan to start many chemical engineering departments in his nation's universities. His audi- ence did not visualize the enormousness of his coming effort to make that statement come true. Dr. Yagi spent his second year abroad visiting important industrial companies and federal re- 255
256 MEMORIAL TRIBUTES search agencies in the United States and similar organizations in Europe. During these visits, he had discussions in his principal areas of interest with notable scientists and engineers, including G. I. Taylor and Theodore von Karman, among many others. On returning to Japan Dr. Yagi became the first head of the new chemical engineering department at Tokyo Institute of Technology. A few years later he accepted a professorship at the University of Tokyo, where he became the prime mover in establishing first a petroleum engineering department, then a department of chemical engineering, and later, an expansion of the applied chemistry department. He was a faculty member of both of these universities, and students in chemical engineering could study or do research at either institution, or both. A few among many other activities in Dr. Yagi's early postwar period were his involvement in a nuclear power plant project, another visit to MIT to discuss research problems, and the heading of A pan's firstworld trade fair. He had been one of the founders of the Society of Chemical Engineering, Japan, in 1936. In 1961 he was elected its president and arranged for a celebration of the society's 25th anniversary, with invitations to members of the world's major chemical engineering departments; a two-week symposium was helcl, one week in Tokyo and one in Kyo to. From heading the chemical engineering department at the University of Tokyo, Dr. Yagi moved on to become clean of engineering, then head liaison among chemical engineering, applied chemistry, and petroleum engineering. Full retirement from the university came in 1965, when he was made the executive vice-president of Chiyo(la Engineering and Construc- tion Company. It is typical of the career of many a scientist-engineer-turned- administrator to drop slowly out of direct productive research as management activities increase. Not so with Dr. Yagi. His clefini- tive research and outstanding technical papers and lectures continued throughout his career. A brief summary of his output in three areas follows. The first field of interest that Dr. Yagi developed and ex- panded was industrial furnaces and the areas of heat transfer, fluid mechanics, and chemical kinetics on which furnace con-
SAKAE YAGI 257 struction and operation were based. There followed papers on flame luminosity, flame length, heat transfer, and a book in the early 1930s on industrial furnaces. A generation later the book was reedited and enlarged. From 1948 to 1961 Dr. Yagi published many papers on chemi- cal reactions in fluidizecl beds, papers typically showing that his strong interest in theory and his high analytical competence were motivated by the need for theory to guide practice. Atten- tion to fixed beds overlapped the fluidized-bed research; papers and lectures came on the effective thermal conductivity of packed beds, coefficients of heat transfer, axial movement of solids in packed beds, and temperature and concentration distribution in fixed-bed reactors. . In Dr. Yagi's later years he turned to the broad objective of integrating knowledge of chemical reactors to achieve an eco- nomic optimum in their design and performance. The papers were first on the properties of different reactor types, then on the overall process of optimization. While heavily loaded with managerial activities under Chiyoda, he still found time to lecture at Nagoya University on reaction engineering and to write a book on the subject. Collaboration with Professor H. Nishimura produced an optimized process network based on a linear model, which drew from an American expert the assess- ment that the model was superior to more mathematically complex models available at that time. On retirement as executive vice-president of Chiyoda, Dr. Yagi became senior adviser and chairman of the board of directors of Chiyoda International Company, Inc. This involved many more trips to the United States. Later he was appointed senior adviser to Japan's Ministry of International Trade and Industry (MITI) . When in response to a request from the U.S. Department of Energy the National Research Council set up an ad hoc commit- tee on the Industrial Energy Conservation Program, the com- mittee arranged a trip to Japan. Dr. Yagi, representing MITI, was a prime source of information for the committee. That ex- change, between Japan en cl the United States, of knowledge about progress in engineering and science was characteristic of Sakae Yagi's dedication to the educational process, worldwide.


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After the phenomenal success of The Fault in Our Stars, author John Green returns with another heart-warming tale in PAPER TOWNS, available on Blu-ray™ and DVD October 20. Join rising stars Cara Delevingne and Nat Wolff in the breakout performances of their careers as they go on an epic journey of love and adventure. For a limited time only, get your Paper Towns fan pack Blu-ray with collectible packaging including shareable sticky notes of inspirational quotes from the film and a U.S. map!
Adapted from the bestselling novel by John Green, PAPER TOWNS is a coming-of-age story centering on Quentin, a high school senior who has been in love with his enigmatic neighbor Margo since childhood. After taking him on an all-night adventure through their hometown, Margo suddenly disappears--leaving behind cryptic clues for Quentin to decipher. The search leads Quentin and his quick-witted friends on an exhilarating adventure that is equal parts hilarious and moving. Ultimately, to track down Margo, Q must find a deeper understanding of friendship--and true love.
The PAPER TOWNS Blu-ray comes with nearly an hour of deleted scenes from Q and Margo's journey, commentary from the director and Green, and exclusive behind-the-scenes featurettes. Watch a never-before-seen gag reel and learn more about the making of the film from the actors, filmmakers and Green in a three-part documentary. Take a road trip with the author and cast, watch the stars engage him in lightning round interviews and see how much fun they all have when the cameras aren't rolling!
Deleted Scenes with Optional Commentary by Jake Schreier and John Green
Margo Leaves Clues
Be Yourself
Teenage Rebellion
Alternate Scene: "Shake It Off"
Paper Towns: The Making Of
Playing out the Strings
Building a Paper Town
John Green on Set
John and Nat: Lightning Round
John and Cara: Lightning Round
Gag Reel
Promotional Featurettes: Van Chats
Memorable Moments
Coming of Age
Road Trips
Audio Commentary by Jake Schreier and John Green
Theatrical Trailer
John and Nat: Lightning Round
John and Cara: Lightning Round
Promotional Featurettes: Van Chats
Memorable Moments
Coming of Age
Road Trips
Audio Commentary by Jake Schreier and John Green
Theatrical Trailer
Twentieth Century Fox Home Entertainment, LLC (TCFHE) is the industry leading worldwide marketing, sales and distribution company for all Fox produced, acquired and third party partner film and television programing. Each year TCFHE expands its award-winning global product portfolio with the introduction of new entertainment content through established and emerging formats including DVD, Blu-ray™, Digital HD and VOD. Twentieth Century Fox Home Entertainment is a subsidiary of 20th Century Fox, a 21st Century Fox Company.
a Rafflecopter giveaway

subset: commoncrawl


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Building Technology Consultants, Inc. (BTC) is pleased to announce that two additional team members: Associate Architectural Consultant Jaclyn May, and Engineering Technician Almir Maksumic, have passed the Construction Specification Institute's (CSI) examination for their Construction Documents Technology (CDT) certification program.
The objective of CSI's CDT program is to (1) improve construction documentation; (2) demonstrate knowledge of CSI's recommended practices in construction processes, contractual relationships, and relationship and organization of construction documents; and (3) gain familiarity with CSI's recommended fundamental principles of specification writing.
Consistent with BTC's ongoing practice of encouraging employees to actively participate in industry organizations, to contribute to such organizations, and to advance their expertise through continuing education; Ms. May's and Mr. Maksumic's recent accomplishment is indicative of their and BTC's commitment to provide clients with a high level of knowledge and expertise. The CSI CDT credential indicates that Ms. May, Mr. Maksumic and BTC uphold a high standard for developing, managing, and communicating all aspects of complex repair projects.
Mr. Maksumic and Ms. May join the following BTC team members who have already obtained the CDT credential as the prerequisite to their Certified Construction Specifier (CCS) and/or Certified Construction Contract Administrator (CCCA) credential:
Again, we congratulate Jaclyn and Almir on their accomplishment.


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There is a new 10-point code available for Pampers Gifts to Grow Reward Program. Just log into your account and enter the code FBMLKKU4RPP6P12.
If you're new to GTG, you can sign up for an account HERE and get 100 bonus points just for doing so.
You don't have to be a mom or a dad to benefit from Pampers Gifts to Grow – nor do you have to have kiddos in diapers. There are plenty of universal codes like this one, and they really do add up quickly. Prizes range from coupons for free diapers to magazine subscriptions to store gift cards and high-end toys.
Get started with Pampers Gifts to Grow here.
This post contains affiliate links, which help to support Kosher on a Budget. For more information, see my disclosure policy.


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Listen Here
Author: – Sundeep Ananth Dubey
Pages: 79
Price: Free to download till 30.06.2020
Author: – Sundeep Ananth Dubey
Sundeep Ananth Dubey is an avid traveler, in search for an adventure. A music lover with a masters degree in business administration, he loves intellectual conversations and travelling.
He can listen to music all day long as it is a solace for him.
This book is a by-product of Right Purchasing taking part in the #BlogchatterA2Z challenge. In this journey, the author has tried addressing A 2 Z of blog monetization. Though Blog monetization is a broader topic, this book will help you better understand the various essential facets to address in the process of blog monetization. The major issue addressed in the book is "Search Engine Optimization" famously known as SEO which is a key feature in generating organic traffic. In the chapters you can read about importance of Keyword research, Image optimization, and more. Starting from A through Z you will be able to explore various topics. The purpose of this book is to act as a guide for bloggers and a refresher for veteran bloggers in understanding the basics to make the process of monetizing easy and simple.
Being a blogger, I know the kind of effort and struggle that goes behind creating content online. No matter how easy this might look, blogging is no joke. And for a new comer, this field has a lot of technicalities involved, which can easily be confusing and hectic. While you won't find many friends around here, there are still a few people who are ready to help you understand the ABCD behind creating an impressive blog. Sundeep A. Dubey, through this e-book has done just that. This e-book contains all the basics, one should be aware of, before you start blogging.
The author, through this journal, have given you some of the most important and valuable tips to monetize your blog in every possible manner. His tips on affiliate marketing, improving your SEO and focusing on Alexa ranking has made this book a one stop solution for all the question popping up in the minds of new bloggers.
This e-book has a lot to offer, not just for people who are new to this field but also to those who are planning to design there own website. A few insides given in this book like deciding to go for .com or .org for your website was an absolute new thing for me as well and I wish I knew all this while building mine.
So if you wish to monetize your blog and have endless questions on "how to", this e-book is your ultimate guide.
Informative: – 4.5/5
Explanation: – 4/5


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Wooten v. Norris, No. 06-4068
District court's denial of Arkansas death-row inmate's petition for habeas relief claiming ineffective assistance of counsel is affirmed where: 1) defendant's claims are procedurally defaulted as he failed to develop the factual basis for his claim in state court; 2) counsel's conduct, although deplorable, was not an external factor that would remedy the default; 3) counsel's misconduct did not destroy the agency relationship between counsel and defendant; 4) defendant's actual innocence claim is rejected as the district court did not err in determining that the evidence tendered by the new counsel did not create a reasonable probability that a jury could have acquitted defendant or found the death-qualifying aggravator inapplicable; and 5) district court correctly rejected defendant's Rule 59(e) motion and his motion to stay federal proceedings as defendant's motion to Recall and Reopen is not a proper vehicle for exhausting state remedies in Arkansas or creating a state record that might support federal habeas claims.
Read Wooten v. Norris, No. 06-4068
Appellate Information
Submitted: September 25, 2009
Filed: August 26, 2009
Opinion by Melloy, Circuit Judge


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Skepchick Quickies 12.11
- Top 10 reasons Christians should stop whining about secular Xmas – By a Christian. From Ryan.
- Definition of slut – A Softer World style. From Mark.
- Turn your life around with a Manic Pixie Dream Prostitute – A parody of the trope of the Manic Pixie Dream Girl. SFW.
- Cheering microbes into space – "A University of California, Davis, microbiologist and a professional cheerleader are teaming up with "citizen scientists" to send microbes to the International Space Station and study their growth." From Blakut.
Featured image by Jay D.


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Welcome to the Practical Motorhome newsletter. Our January issue is now in the shops and we hope you'll enjoy reading it as you plan your new adventures for 2013.
I've sent out a short newsletter to everyone who has registered on this website, to give you a quick preview of what's in the issue. Click here to see it as it appears in your inbox, with photos.
To get our free e-newsletters, please just go to www.practicalmotorhome.com (home page) and click 'register' in the top right hand side of the page. Then you can sign in regularly and take part in Forum chats, add comments to news items and advice articles – and you'll get our newsletters (only one or two a month and I promise I'll keep it short and sweet).
On the travel front, starting in Britain, new pubs have joined our Nightstop Scheme. Click here for our motorhome-friendly pub map.
If you're buying a 'van, read our top tips before driving home in a VW campervan, a Murvi Morello or a Romahome Hylos.
Plus we test and review the luxurious new Pilote Explorateur A-class and Vantage Sol twin-bed high-top 'van.
Nick Harding has news for those who bought a Bentley motorhome before the firm got into trouble: here's how to keep your warranty valid.
we have some wonderful travellers' tales – plus part two of my own
Cornish tour in a versatile orange and white Danbury Surf VW camper.
|Grand Tour: Ireland
|Cornwall and Herefordshire
|Go wild in the Canadian Rockies
|Good sites in the Vale of Evesham
Kate Taylor, Newsletter Editor


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NEW YORK (AP) - Two people familiar with the NFL's investigation of bounties paid to New Orleans players say former Saints defensive coordinator will meet with league security officials Monday.
The people, who spoke on condition of anonymity Sunday because details of the continuing investigation are not being disclosed, could not specify where in the New York area the meeting will take place.
The NFL revealed its findings Friday that showed Saints players being paid for knocking opponents out of games. Williams, now the defensive coordinator in St. Louis, oversaw the program, and Saints coach Sean Payton knew about it.
Earlier Sunday, league spokesman Greg Aiello said in an email to The Associated Press that the NFL will continue "addressing the issues raised as part of our responsibility to protect player safety and the integrity of the game."
Those issues could include incidents from previous seasons, too.


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Harvester Guide Bars
The needs and safety of harvesters are as diverse as the environments in which they work, so it's crucial to have guide bars that can match those extremes in durability, protection, and productivity. To help you find the right match for your harvester application, we've organized our guide bars by pitch to ensure an accurate fit.
3/4" Pitch Harvester Guide Bars
Designed with 3/8 thick alloy-steel and precision-milled grooves for a broad range of harvesting equipment, the 3/4" pitch guide bars are built to tackle the toughest wood in the harshest conditions.
.404" Pitch Harvester Guide Bars
The .404" pitch guide bars are built to endure rough, high-speed harvesting conditions to deliver superior performance and increased efficiency for the most diverse harvesting cutting applications.
Part Finder
Find a full selection of replacement parts specifically made to fit your Harvester machine.
Find a Local Dealer
Go to our dealer locator to find a servicing dealer near you.
Timber Harvester Handbook
Learn critical information about products, performance, and safety measures for operating Harvester Cutting Systems.
Find the answers to frequently asked questions about Harvester Products.


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Why is "Value" Often Neglected When Crafting a Marketing Plan?
When the brand value propositions and the customer value expectations align, together they will create a potent mix that makes your sales and marketing efforts more effective.
When the brand value propositions and the customer value expectations align, together they will create a potent mix that makes your sales and marketing efforts more effective.
When was the last time you were asked to jump in and do something different and you were scared out of your mind? If you're like most of us, it happens now and then, and we turn it down politely and move on.
For over 30-years I've worked for and consulted with businesses where sales and marketing teams don't exactly work together like a well-oiled machine. However, when I have seen them working on the same page and supporting each other, it's like an ice-cream sundae with warm chocolate syrup on top. Mmm…mmm. When they are facing in opposite directions, it usually is indicative of missed sales opportunities, poor communication, marketing initiatives that aren't fully functioning and unproductive work environments. Now, who in the world wants this?
Today's hyper-growth-minded companies are looking to digital transformation as the answer. But, scalable growth has quickly become so much more than that. It's not just digital transformation that needs attention; it's how to adopt that concept and new activities within your business framework as well as your product/service offerings, and fashion an entirely new model within a new array of thinking. Basically, reshaping your business is required or your competitors will reshape it for you, and it won't look good.
Today's marketers are called upon to have the requisite experience in both data strategy as much as they are asked to be content creators and strategists. PRO TIP: Keep your eye on your key data points above in TAM, leads and social– combined they will provide insights into your customers. Here's the interesting part – your most important data is right under your nose; you just don't know how to access it and translate it.
Marketing teams need to collaborate more with sales. You may not want to hear this, but the sales number should be the marketing number your team is striving to reach. So, plan accordingly. In this article, we talked about size, leads and cost. Start figuring out how you can obtain these numbers – the sooner the better.
Untold and unseen pieces of our world today were discovered
because of curiosity, and insatiable desire to innovate,
explore and see where the journey leads.
Regardless of the business you're in, your customer is never super-easy to find. And worse, if you don't have a clear definition of who your customers are, your sales and marketing teams will spend lots of time and money trying to connect with the wrong people who are not likely to buy. Yes, without a clear definition, these teams could be going after different people for different reasons. Yikes. That sounds like a recipe for disaster, right?
Yes, your business does need a strategy to innovate. But, there is not one clear path for crafting an innovation strategy. Nor is there a one-size fits all for businesses to start the innovation process.


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When you're feeling stressed, blue, or restless, does the thought of a makeover perk you right up?
It certainly puts pep in my step when I find myself dragging. A style update can be a fantastic mood enhancer, and it needn't be drastic or expensive.
My preference? The mini-makeover.
I've used this technique at various points in my life – new career, new city, new life stage, new marital status, new relationship, new dress size… I also go for changing up my style when everything is running smoothly, but I want the pleasure of a new or updated look that comes from change. I've always found this process pleasurable, with positive effects.
The Mini-Makeover
When I was newly single after my divorce, I realized that I wanted a new look for a new life, but I wasn't sure what that might be. I did know that I should take my time in easing into a brighter, shinier, different me.
While I admit I considered dyeing my hair red – who doesn't want a little walk on the wild side? – as I said, I knew I shouldn't take drastic actions. Mini-makeovers were just the thing – a change in makeup, hairstyle, adjustments to wardrobe – even a new perfume.
And it's fun!
My Low-Risk High-Value Makeover
What did I do?
I grew my hair from super-short to shoulder length. I felt sexier.
What else?
- I changed my glasses.
- I found a new signature fragrance.
- I reinstated former healthy habits (regular exercise).
- I treated myself to fine lingerie, over time.
And by the way, I wore the fine lingerie every day, not just for special occasions.
Your Makeover
Let's say it's been six months or a year or even two years since you've re-embarked on the single life. You may be thinking of wardrobe changes. You may be pondering possibilities ranging from the symbolic (new perfume) to the exotic (relocating) to the more sensational – like cosmetic surgery.
But does the Big D really necessitate double D's? Does any other milestone of significance require extreme measures? Are you seeing reality in the mirror or a distorted version?
Do you have inner work that's yet to be done – when it comes to gaining confidence or resetting personal goals?
Am I saying not to go for the tightened abs or naughty knockers?
No. To each her own.
But don't think you must look younger to feel confident. We can look impeccable at any age. Health and well-being are fundamental to the equation, and self-esteem is built on more than a surgically altered shaped or outer skin.
Mini Makeover Suggestions
I love mini-makeovers when it comes to personal appearance or style, as well as for my wardrobe and my surroundings. Naturally – we all have financial, professional, and parental responsibilities that form the framework for what we can afford, what is reasonable, and how much time we can spend on our efforts.
Consider these suggestions. They're among my favorites that I've used over the years.
Day spa
If a day spa is handy – treat yourself! You'll feel like royalty after a dainty dose of pampering. And if it's not in the budget (or you can't get a babysitter), do-it-yourself spa time is very affordable, and schedule it for when you have an hour to yourself. Try an herbal tea facial (steam and one tea bag), or a few bath products you can pick up at the local supermarket or superstore. Then light some candles for ambiance, soak in your tub, and unwind.
Drab color? A little bit of gray? Just bored with what you've got?
Chat with your hairdresser about a new style, a weave or extensions, or a new color. Switch it up – go red, go blonde, go sultry brunette! Nothing lightens your mood or changes your look quite so much as a hair makeover. But do remember to discuss your options if you think you'll change your mind 24 hours later.
A touch of brightening goes a long way on most women, and if you haven't changed your makeup style since shoulder pads were the rage on Dallas, it's time! Keep in mind that most of us wouldn't do well in "real life" if we resembled the overdone divas of Reality TV.
Head to the nearest department store where you can try any number of products – and have fun doing it. The older you are, the more a light touch will let you shine. Have a makeup artist show you how to apply products, and suggest the right ones for your skin and your lifestyle.
Do you associate your perfume with your ex? (I did.) Our sense of smell is powerfully linked to memory, and fragrance is incredibly seductive. That department store where you're having your makeup done?
Don't forget to stop at the perfume counter. Dab a little on each wrist. Take some samples home to try at different times. Enjoy choosing just the right one, and imagine leaving a new fragrance lingering on a gentleman's pillow.
While many lecture on the pros and cons of dressing your age, it's more sensible to dress appropriately for your body type, lifestyle, personality, and career.
Do use a proper mirror when you're trying on new clothes, and do remember that professional attire is one thing and socializing another. Experiment! Try new styles and colors! And treat yourself to beautiful lingerie that fits properly – and enjoy it. Do ask a friend's opinion, but dress to please yourself.
If you're going to invest money in maintenance, there's nothing so wonderful as a lovely, healthy smile. Does that mean blindingly white choppers or veneers? Not unless you're headed to Hollywood. More likely, it's as simple as regular visits to your dentist, whitening strips on occasion, and remembering the warmth and welcome that a smile exudes.
Makeovers on a Budget:
Like most of us, I live on a budget. When it comes to fashion, I own a few classic, quality separates (for versatility), mostly in black and neutrals. I jack up the look with color in scarves (and shoes), add a piece of bold jewelry, and you'd be surprised how budget-friendly this approach can be.
Did I mention the importance of a gorgeous pair of shoes?
I confess. Shoes are my Achilles Heel.
They don't have to be four-inch stilettos or five-inch platforms – though why not, if you can pull it off – but something pretty and comfortable that makes you feel good.
The Value of a Makeover
The beauty of mini-makeovers is that they minimize risk, can enhance your confidence, and they're fun! Do push beyond your comfort zone, and don't assume you can't go for that new job or online dating service until you lose 20 pounds, fill your forehead with Botox, or drop five figures for the combo tummy tuck, face lift and breast implants.
If you feel you must undergo surgery, make sure you're not looking for external solutions to esteem issues that are better dealt with in other ways.
Take the time to understand your motivations, be realistic in your expectations, and consider less invasive alternatives. Be healthy, be financially responsible, and enjoy refashioning your life.


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Region / Language Selector
Ready to Buy?
More and more businesses are turning to cloud communications, as witnessed by its tremendous market growth of roughly 25 percent year over year.
Why choose private cloud for your communications? What do you need to know about private cloud? And what are the next steps on your path? Before diving in, you must have the answers to these key questions. That's why we've prepared this handy guide to take you through the basics of private cloud communications and what you need to know before taking the next step.
With Mitel's expertise, we will have the ability to introduce new channels and intelligent fan self-service capabilities. Ultimately, the partnership with Mitel will enable us to simplify fan journeys and create seamless interactions which will result in a better fan experience.
Read the full story how Mitel improves Liverpool FC business communication
For more on the cloud, check out Cloud Communications For Dummies®


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Happy Halloween !!! Here are the very best FREEBIES and deals to help you celebrate. There are lots of restaurant offers, as well as events that the whole family can enjoy!
- Bass Pro Shops ~ Saturday, October 19th – Thursday, October 31st, 2013
Stop by your local BPS, and take advantage of all kinds of freebies, including coloring sheets, crafts, games, a free 4×6 photo with Charlie Brown & friends in the pumpkin patch, parades, and more. They have a new event planned every night until Halloween. To learn more about this event, click here.
- Comic Book Stores ~ You can get a FREE Halloween Comic Book at participating Comic Book Stores on 10-26 and 10-27-2013. Click Here to find a location near you!
- LEGO Stores ~ Get a FREE LEGO Monster Fighters Key Chain at LEGO Stores on 10-31-2013
- Pottery Barn Kids ~ FREE Halloween Spooktacular Story Time at Pottery Barn Kids on 10-29-2013
Restaurant Offers
- Chipolte ~ On Thursday, October 31st, 2013, you can get a burrito, bowl, salad or an order of tacos for just $3 at Chipotle on Halloween night, from 4 p.m. to close. If you love Chipolte, you definitely won't want to miss this Chipotle Boorito Event. Plus, ALL of the proceeds, (up to $1,000,000) will be donated to The Chipotle Cultivate Foundation. A non-profit organization committed to creating a more sustainable and healthful food supply and to raising awareness concerning food issues.
- IHOP ~ Kids can get a FREE Scary Face Pancake on 10-31-2013 between 7 AM and 10 PM, for ages 12 and under. One per child. Dine-in only.
- Krispy Kreme ~ They are once again offering a FREE doughnut the day of Halloween. And they are also having their wonderful "Krispy Skremes" Halloween-themed donuts as well which are available through October 31st. This year's lineup is the same as last years' and includes: The Jack-o-Lantern Donut – a pumpkin-shaped donut with orange icing and a jack-o-lantern face decorated on top. The Chocolate Iced with Halloween Sprinkles Donut – a standard Glazed Original topped with chocolate icing and orange and black sprinkles. And last but not least, the Spider Web Donut – a Kreme-filled donut topped with chocolate icing and finished with a web of white icing.
- LongHorn Steakhouse ~ From Oct. 28 – Oct. 31, get a FREE kids meal with the purchase of each adult entrée by signing up for LongHorn's Hospitality Club on the restaurant's website or Facebook page. Must present printed coupon at time of purchase.
- Olive Garden ~ From Oct. 28 – Oct. 31, get a FREE kids meal with the purchase of each adult entrée by signing up for Olive Garden's email newsletter. To sign up, visit the restaurant's website. Must present coupon at time of purchase.
- Outback Steakhouse ~ Last year Kids ate FREE on Halloween with purchase of an adult entree. Let's hope this offer is done again!
- Papa Murphys ~ As they offer every year, the Jack O Lantern Pizza is back!
- Red Lobster ~ You can go to the Red Lobster facebook page and click on 'Get Offer' to receive a coupon for a FREE kid's meal with the purchase of an adult dinner entree. This coupon is valid Monday through Thursday until November 10, 2013.
- Sonic ~ Thursday, October 31st, 2013 – Customers of any age, can enjoy Corn Dogs for only $0.50 each.
- Steak Escape ~ Thursday, October 31st, 2013 {coupon expires 10-31-2013} ALL Kids eat FREE with purchase of Small Sandwich Value Meal. Must print this coupon, to get offer.
- Wendy's ~ Halloween Frosty Coupons – Stop by your local Wendy's and purchase 4 FREE Junior Frosty Coupons and 4 FREE Kids Fries Coupons {coupons expire December 2013}. Perfect for Trick or Treaters, or for a class party!
Other Halloween Freebies
- Trick or Treat for UNICEF
- FREE Printable Celebrity Masks for Halloween
Other Halloween Offers
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Melissa is a Full Time Mom & Blogger HERE (please check out her blog!)


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LOVE WINS! After decades of tireless activism and hard work by many, many people, on June 26, 2015, the United States Supreme Court ruled to legalize same-sex marriage nationwide.
This card commemorates this historic victory with an excerpt from Justice Anthony M. Kennedy's beautifully written majority opinion.
We're biased, but we think this makes an awesome wedding card.
- Blank inside
- A2 size (4.25" x 5.5")
- Offset printed in Los Angeles onto heavyweight matte stock, using environmentally friendly soy inks
- Comes with a matching kraft envelope
0 stars based on 0 reviews
. . . . .


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This sweet and spicy Pineapple Jalapeño Pepper Jelly is as easy as it is delicious! Serve it with cream cheese, on a cheese board, as a dipping sauce, grilling glaze... even on ice cream - expect rave reviews!
After a long, cold (brown) winter, this time of year puts me in the mood for all things green. Beautiful green on green salads, bright, vibrant soups, healthy herb-laden salad dressings, delicious sauces and this fun new Pineapple Jalapeño Pepper Jelly - they're all sights for winter sore eyes.
If this Pineapple Jalapeño Pepper Jelly sounds familiar, you're very astute or perhaps it's that you've already fallen in love with our Pineapple Habanero Pepper Jelly that's been a big reader hit. This new recipe simply replaces the habaneros with jalapenos, the apple cider vinegar with white wine vinegar and the sunshiny, golden glow with a verdant, spring green hue.
Although these pepper jellies are both super easy to put together, you will need to set aside a little time for chopping. You'll need to finely chop one medium size pineapple, a bell pepper, an apple and a handful of jalapeños. That being said, you can cheat a little bit to make things quick and easy. I use the small screen on my Vidalia Chop Wizard to chop up the pepper and apple super quickly.
What's an apple doing in this pepper jelly?
Great question and to answer it we need to talk a bit about pectin. What is pectin? According to Master Class, pectin" is a polysaccharide starch found in the cell walls of fruits and vegetables." So pectin is the ingredient in jams and jellies that helps them to thicken. And although we add pectin to jam and jelly recipes, the amount of natural pectin in a specific fruit is part of what determines how well the final product will "set".
One of the major ingredients in this Pineapple Jalapeño Pepper Jelly is pineapple, which is very low in pectin. Apples, on the other hand, are super high in pectin. So, voila... adding one finely chopped apple to this recipe prevents problems with setting!
Freeze or can with traditional hot water bath
I love having a stash of this delicious Pineapple Jalapeño Pepper Jelly in my freezer. Yes, I did say freezer – although this is not an official "freezer jam" recipe. Being a bit lazy, I store all of my jams and jellies in the freezer, instead of using the more traditional hot water bath canning method. That being said, this Pineapple Habanero Pepper Jelly can definitely be put through a hot water bath as it meets the acidic requirements necessary for safe canning.
How to use this Pineapple Jalapeño Pepper Jelly
Need a quick, easy and super delicious appetizer? Just spoon this Pineapple Jalapeño Pepper Jelly over a block of cream cheese or a round of goat cheese. Or serve a bowl of whipped cream cheese with some crackers and a jar of this delicious jelly. Add a nice selection of crackers and you've got a fabulous (and beautiful) appetizer in the blink of an eye.
Other ideas for this delicious pepper jelly:
- Serve in a small bowl or pretty jar, along with crackers and cheese. We especially like it with Irish cheddar or smoked cheddar, but it's also delicious with Havarti, Gouda, Fontina, Comte, Gorgonzola, hard goat cheese… For a really special treat, serve it on a cheese board with these Copycat Rosemary Pecan Rainforest Crackers.
- Spread it on Brie, then wrap the round with phyllo or puff pastry. Bake until golden and cheese is gooey.
- Serve warm cornbread with butter and a jar of this sweet and spicy pepper jelly.
- Make a grilled ham and cheese with a spread of Pineapple Jalapeño Pepper Jelly between the layers, yum!
- Season salmon with salt and pepper, then add a layer of pepper jelly. Broil until done. Top with chopped cilantro or basil.
- Use it for a salad dressing.
- Mix equal amounts of mayo with this Pineapple Habanero Pepper Jelly for a deliciously creamy, sweet and spicy dipping sauce.
- For a super fun and gourmet PB&J substitute this Pineapple Habanero Pepper Jelly instead of regular jelly!
A great gift!
In addition to all of the above, this pepper jelly makes a really nice gift. Include a log of goat cheese, if desired and a package of nice crackers and you'll have a gift just about anyone would love to receive. We're offering a free printable PDF label (in two sizes) to use for storing or gifting. Just let us know in the comments below if you like the labels and we'll email them to you along with instructions on how to use them.
And, because this Pineapple Jalapeño Pepper Jelly is also a perfect color for the holidays, we're also created a more Christmas-y label for festive gift-giving and entertaining enjoyment. You don't need to ask for it separately, it will be included in the email.
This new pepper jelly is a gorgeous, delicious condiment that will be sure to bring lots of oohs and aahs! I promise, even if you've never made jam or jelly before, you can do this! You'll be shocked when you discover how easy it is!
Café Tips for making this Pineapple Habanero Pepper Jelly
- It's a good idea to wear gloves when chopping the jalapeños. The oils can make some people's hands feel burned. Also, be sure not to touch your eyes after handling the peppers. Again, the oils from the peppers can cause a burning sensation. I made that mistake once and it was not fun. I now keep a box of these disposable gloves on hand.
- This recipe calls for Certo. Certo is a liquid pectin that is available at most larger grocery stores. You'll find it with other canning products, but I've found that its' location varies from store to store. Some stores stock it in the baking aisle while others display it near the plastic wraps and food storage bags. An employee will be able to direct you to the right place.
- I use 3-4 drops of green food coloring in this jelly recipe. It gives the jelly a nice vibrant color but feel free to omit it if you want to keep the jelly completely natural.
- Wondering why there's butter in a jelly recipe? A small pat of butter keeps the jelly from getting foamy which makes for a prettier finished product.
- Jalapeño peppers are not super hot (spicy), ranging from 2,500 to 8,000 range on the Scoville Heat Scale. In comparison, habaneros run 100,00 to 300,000 so you're not dealing with a crazy hot pepper here. That being said, jalapeños can vary in heat intensity from pepper to pepper with the majority of the heat being found in the seeds and core. I use around 8 medium size jalapeños and reserve the seeds/core. After I boil the jelly for 10 minutes, I taste it and then add more peppers or some of the seeds, to taste. It's better to be cautious as you can always add more at this point, but you can't take away the heat!
- Be sure to drain the pineapple very well. I like to use a fine-mesh strainer to do this without much fuss.
- It's better not to use a super ripe (on the way out) pineapple for this Pineapple Jalapeño Pepper Jelly. As fruits and vegetables ripen their pectin level goes down. So on top of pineapples being low on the pectin scale, a super ripe pineapple is not a great candidate for making jam and/or jelly. Also, the riper the pineapple is, the juicier it becomes which in most cases is good but not when making this jelly as noted above.
- Jam and jelly making is an exact science. Measure the ingredients carefully and, for good results, don't try to adjust amounts. Often people as if they can reduce the sugar in jam/jelly recipes. The answer is two-fold. You can make jam and jelly with low-sugar or even no-sugar pectin but you'll need to follow the directions on the box. Don't try to adjust this recipe, as changing the ratios can result in the jelly not setting properly.
- The jelly won't look thick enough at first. It needs to cool and will thicken as it sets.
- Sometimes the pineapple and peppers will float to the top of the jar right after being filled. Wait 30 minutes after filling, then give each jar a stir. The solids will suspend at this point for a pretty presentation.
- A wide-mouth funnel is very helpful when making jam and jelly. It makes transferring the mixture from the pot to jars super easy and mess-free. These funnels also work for the Weck Jars shown below.
- I love these Weck Tulip Jars for jams and jelly, especially if I'm giving the jelly as a gift.
- Feel free to use the hot water canning method with this Pineapple Habanero Pepper Jelly if you prefer. Here is a step-by-step instruction guide from Ball/Kerr.
- As mentioned above in the post, feel free to let me know in the comments below if you'd like a free printable PDF for the labels.
- The navy and white checked ribbon pictured in the post matches perfectly with the (non-Christmas) labels. It comes in a spool of 25 yards and is super inexpensive. This red and white gingham ribbon looks pretty with the Christmas labels.
Thought for the day:
For there is one God,
and one mediator between God and men,
the man Christ Jesus;
Who gave Himself a ransom for all,
to be testified in due time.
1 Timothy 2:5&6
What we're listening to for inspiration:
If you enjoyed this recipe, please come back and leave a star rating and review! It's so helpful to other readers to hear your results, adaptations and ideas for variations.
- 3 cups finely chopped fresh pineapple (cored and peeled)
- 5 cups granulated sugar
- 1 cup white wine vinegar
- 1 cup finely chopped golden delicious or other yellow or green apples, cored, no need to peel (about 1 medium apple)
- 1 cup finely chopped yellow bell pepper from 1 large pepper seeded
- ½-⅔ cups finely chopped jalapeño peppers seeds and ribs removed and seeds reserved
- 1 teaspoon butter
- 3 ounces Certo liquid fruit pectin (1 pouch)
- 2 tablespoons fresh lemon juice
- 4-6 drops green liquid food coloring optional
Prepare the jars and lids by washing them in hot soapy water or in the dishwasher. You'll need six 8-ounce jars (or the equivalent) if using other size jars. (If canning this jelly with the hot water bath method, follow instructions for sterilizing jars.)
Place the finely chopped fresh pineapple in a strainer set over a bowl while you prep the other ingredients. Allow the pineapple to drain while you're prepping the other ingredients.
Combine the sugar, vinegar, apple, bell pepper, jalapeños, butter and exactly 3 cups of the well-drained pineapple in a large pot. (If you have extra pineapple save it for your morning yogurt or something else. Don't try to add more than 3 cups.)
Stir well, then bring the mixture to a full rolling boil (a boil that can't be stirred down) and cook for 10 minutes. Watch the pot carefully and lower the heat a bit if the bubbling jelly rises near the top.
Remove a spoonful of the mixture and allow to cool slightly. Taste. If you prefer a spicier jelly, add some of the reserved seeds. Boil for another minute. Taste again and add more seeds, to taste.
Add the Certo and lemon juice and bring the mixture back to a rolling boil, stirring constantly. Cook for exactly 1 minute, stirring frequently. Add the food coloring, if using, and stir until well combined.
Remove pot from heat and skim off any foam on the surface. Ladle jelly into clean jars leaving a ½-inch space at the top. (this will allow for expansion in the freezer.)
Cover with lids and allow the jelly to sit at room temperature for 24 hours, then place in the refrigerator (or freezer for longer storage).
If using the hot water bath method, use sterilized jars and immediately proceed with the water bath canning method.
Jelly may take 24 hours to set completely.
See Café Tips above in the post for more detailed instructions and tips.
Recipe yields 6 8-ounce jars of jelly.


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Following up Blutarsky and Tyler wasn't an easy task, but someone had to do it. Many thanks to Marc and Fletcher for the invite to join them on their podcast as well as Groo of dawgsonline. If you don't follow their work, you should. It was fun to take a few moments to look back on the season thus far as well as ahead as what we might can expect. And I'll forgive Fletcher for trying to get me to look past Florida. :)
Thanks again guys! Go Dawgs!
Dogbytes Online


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Twisted Extracts Cannabis Drops UK
Twisted Extracts Cannabis Drops UK, Simple, natural, and versatile. The new Twisted Extracts Drops are made with only two ingredients; cannabis extract and avocado oil. Whatever your dose, these drops make it easy to incorporate cannabis and CBD into your daily routine. Add it to your coffee or mix it into a salad dressing, the possibilities are endless.
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Shake the bottle before opening it. Take the desired dose (we recommend starting with 1 ml if you're new to ingestible cannabis and CBD). Allow 90 minutes for full effect before an additional dose is considered. Take with food for best results. To maximize sublingual uptake, hold liquid under your tongue for 30-90 seconds, then swallow.
Storage Instructions:
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A couple of weeks ago, just past midnight on July 5th, I took off out of Hong Kong, flew across the Pacific Ocean, crossed the International date line and arrived in Los Angeles at 10pm on July 4th.
There are few approaches during my ten year career I can think as memorable as that one. It was like descending into a war zone. Thousands upon thousands of fireworks going off as far as the eye could see. A lurid display, the likes of which I've never seen. We descended right over the city with fireworks going off either side as we came into land. What an entrance it was!
What you Americans were celebrating, of course, was your independence. You were celebrating what that independence stands for: freedom. As I reflected on this, while forced to quarantine in an airport hotel room for the next 48 hours, I started to feel homesick. It's a feeling I've been having a great deal recently. Which is strange, given Hong Kong is the place I call home. Given "home" is the one place I've actually been able to spend time in. So what's going on? Why, exactly, have I been feeling homesick?
Part of the reason is I've felt imprisoned at home in Hong Kong. While I get to be with my wife and kids (something I'm extremely grateful for), I've never felt further from the rest of my family in the UK and elsewhere. This is because Hong Kong's strict quarantine restrictions, although successful in keeping the place safe, have made it nigh-on impossible to see them. I'm also someone who has always felt "at home" while travelling. I like to think of the world as my home. I love nothing more than exploring it. The inability to do that has, well, hit home for me.
With that aside, the main reason I've been feeling so homesick is because I'm heartbroken. When I think about the changes that Hong Kong has undergone politically – this past year especially – the place that I have long called home simply isn't the same. Freedom of speech has been stifled and many are living in fear. Many have fled as a result. Many others are planning to. You can feel it too. They have taken a stick to Hong Kong. Just like beating a child, its spirit has been crushed.
One of the main reasons I write under a pseudonym is because of what's going on here. Whether my paranoia is justified or not I don't know, but the fear is real. Many people have been arrested for speaking out. Colleagues of mine have been let go because of comments made on social media. One of Hong Kong's biggest Independent papers was shut down just a few weeks ago. The nails being hammered into the coffin keep coming. Make no mistake about it, 2047 has come early. Hong Kong's special position as a bridge between East and West – a place that once reflected the best of both – has been broken.
Sometimes I still feel like a local Hong Konger. I've spent most of my life here after all. There is no place on this planet I know more intimately. A place that has given me so much. Hong Kong will always hold a special place in my heart for that reason. Yet, nowadays, I feel increasingly removed from it.
Of course I have always been, and remain, an expatriate. Never a "true-blue" local. The plus side to that is I have options. I don't have to stay here in Hong Kong. I can leave if I want to. It's this question in particular – whether or not I should – that has really been plaguing my mind.
I liken it to being stuck in that hotel room on July 4th. There was nothing stopping me form walking out that door. The only reason I didn't was because of what my head was telling me. That I could get fired or contract COVID… My head was telling me that it's best to be safe. It's best to stay put. My heart, on the other hand, wanted nothing more than to say, "fuck this", and walk straight out of that hotel room door and join the celebrations.
I'm homesick because I don't feel at home in Hong Kong anymore. My values have diverged from the place. Yet my head is telling me to stay put. Not to leave the security of my job, my pay check, etc. However my heart is longing for somewhere (and something) else. They say that home is where the heart is. I get it now. Home is where your heart feels it belongs. My sense of belonging here has been eroded. I don't believe it will be long before I gather my belongings and head straight out the door for good.
Freedom, is calling me home.
(Thanks for reading everyone. This post got me thinking about the meaning of home. Let me ask, what does home mean to you? For someone who has always felt "at home" on the road the pandemic has, paradoxically, left me feeling homesick. I'm curious if many of you have felt the same way? As always, I look forward to hearing your thoughts.)
You can find AP2's personal blog here at: https://clear-air-turbulence.com


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Picking up wedding dress
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Credit rating agency Moody's changed its outlook on Formula One from negative to positive on Thursday to reflect the impact of the coronavirus crisis on a global sport that has yet to race in 2020.
Moody's did not rule out a full season cancellation and said Formula One has the resources to withstand the eventuality. Moody's Investors Service along with Standard & Poor's and Fitch Group, is considered one of the Big Three credit rating agencies of the world.
"Formula One has a strong liquidity and a cost base that is flexible enough to handle a severely restricted 2020 season, which Moody's would probably consider supporting a complete cancellation," it said in a statement.
The Liberty Media-owned racing series cancelled its first race in Australia from 15th March with the start of the Monaco Grand Prix in May, and postponed six other races as the countries went into lockdown. Now we see McLaren on Wednesday becoming the first F1 team to put staff on leave and cut the salaries of drivers and executives.
Moody's said it had confirmed it's new rating and probability of default of Alpha Topco Ltd, the Formula One holding company, who generated $2 billion in revenues in 2019.
He said the rating reflected expectations of lower earnings and cash flow generation, increased leverage and liquidity erosion, as well as the company's cost flexibility and low capital expenditure. F1 had cash flows that were resilient due to multi-year contracts, the note added, as well as a history of growing its fan base.
Other factors included the timing of TV contract renewals and the outcome of talks to renew the confidential "Concorde" commercial agreement with the teams and the governing body, which expires at the end of 2020.
"As of December 31, 2019, F1 had a substantial liquidity cushion of approximately $900 million, comprising a cash balance of $400 million and a committed revolving credit facility of $500 million," the agency said.
It expected this to be sufficient "to absorb the cash outflow from potential repayments of promoter, sponsor and broadcaster advances, team payments, other overheads and interest charges in the event of the 2020 season cancellation".
However, there was still a degree of risk, despite being considered low, that liquidity of the business would not be sufficient to maneuver through a continuing crisis.
Moody's stated that Liberty Media had substantial available resources to support Formula One but saw "a relatively high probability" that Formula One would breach a leverage clause whose terms could be modified or lifted.
"Moody's considers F1 to be relatively well placed to recover from the post-coronavirus crisis, underpinned by the nature of its contractual revenues, strong franchise, large fan base and strong currency conversion".
He stated that a downgrade of this new rating could occur if a further disruption of the race schedule caused liquidity problems or if a renewed Concorde agreement was negotiated with materially unfavourable conditions for the company.
Morality in question? Ferrari is crucial to season start in Canada
Former NASCAR and Indycar driver Patrick Carpentier believes that the Canadian Formula 1 Grand Prix will not be able to take place in June, in no small part due to the Ferrari team.
In fact, it appears that the driver from Quebec only thinks there's a 1 in 10 chance the F1 season will start in Canada on the 14th of June. The reason for this doubt is the Ferrari team who's headquarters in Maranello happens to be at the centre of the worst….. READ MORE ON THIS STORY


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Magnificent & Important Advent Calendar: Bonus Door
A quest to find a Phillips screwdriver
Our Senior Scottish Correspondent makes a welcome guest appearance to talk about an important PC game that wasn't in our just-concluded advent calendar, but perhaps should have been. This is also an ode to the mysteries and the magic of the device we choose to play our videogames on.
DOTA 2 is my game of the year. Go and play it with nine people you like, and, in the midst of your inevitable confusion, yell MERRY CHRISTMAS very loudly over voicechat and gift them all your stuff.
DOTA 2 takes a while to get into. It takes a while to learn. It takes a while to love.
DOTA 2 is 1% complete
DOTA 2 is downloading slowly on a laptop that isn't mine. Outside snowflakes press themselves glittering onto the window panes, the head of someone else's cat nuzzles my ankle, my life's equivalent of Wallace Wells hangs baubles on a tree. I think of my PC back home, and how I am cheating on it out of lust for closeness. I am far from home, from both where my games are and where my heart is. Christmas will be lonely.
But there's that memory of what it's like. There are the voices for one. The cries of delight. The stern voices of anger. And then, there's the grin in the dark. The ripples in the water. The cry of the wolf as night drops. People made that machine. People live in that machine. They are there now, with hands outstretched towards you.
DOTA 2 is 20% complete
My monstrous PC back home, with the crappy white monitor and the weird shaped mouse and the terrible, oversized, dusty keyboard. I think of the beautiful women my artist flatmate has painted on the wood of the desk my tower sits under, their faces distorted by my bills and uninstalled review copies of games years old and the time I spilt Shiraz on that pretty drawing's legs.
I remember unscrewing the PC's case and looking inside, afraid. It looked too complex, to a newbie's eye. Explorers more audacious than I told me about it, how I'd learn, how I'd come to know the strands of that jungle and where they led, learn to trail my finger over the tangled cables to the source, wrench them out and plug them back in, how I'd get invested, lost, how my knowledge would increase with each turn of the screw, how my HDD would no longer be this abstract idea but tangible, tangible, an actual vault of items where all my thoughts and savegames are, a stacked panic room full of The Cure mp3s I no longer listen to and the most precious builds of indie games that are feelings and memories and thoughts and hours of button-click heart-wrench. Fuck, I didn't know I loved you like this.
DOTA 2 is 40% complete
I remember from far away, it looked complex and terrifying. But one cannot go in alone. You must rub shoulders with the best ones you know to find the secret. The first of these was the Merlyn who dropped off a tower with a graphics card better than mine as if it were a broken-down car with no love in it left. "It isn't Excalibur," he said. "It has no magic in it." This seemed matter-of-fact when uttered, but when taking it apart, gently hoovering its insides, squinting at the enraged fan on the PSU and earthing my fingers for static by stroking the copper pipe of a radiator, it was like an ancient ritual. I had journeyed over a threshold and I could see a glimmer of love. I was earning the right to occupy that space. Look at all these parts, I despaired. Screws and cables and metal boxes were a banquet across the floor. But I was thirsty.
DOTA 2 is 50% complete
You need 'wingmen', and like a winged creature she alighted on my doorstep, a soigné grin on her face, chipped nail polish and punk hair. "Teach me," I said. She nodded and asked only for tea, no milk. Later, we would go on a quest to find a Phillips screwdriver. We trekked metres from my flat to the local Costcutter. "What do I get again?" I said, uncertain. "Where would it be?" I stood looking at a rack labelled "Household Items" for what seemed like an hour whilst people either rudely shoved past me or told me to move. Each object seemed occult in its way - there was a sewing kit with a rainbow of different threads, a hairbrush like a wand, is that Guinsoo's Scythe? I lift it dreamily, and underneath, there is the Phillips, for 1 gold 89. Player 2 and I squeal in delight; the rest of the shop grumbles and carries on down the aisles of the shop as if automated.
DOTA 2 is 60% complete
By the light of the wolf-waking moon, I wrapped myself in a blanket and stretched my fingers whilst my instructor talked me through RAM and where it goes and which mythic places Merlyn had probably picked up his collection from. It felt like we were looking through his record collection as we laid it out in dust motes. We were archaeologists at work, blowing powder from hieroglyphs and coughing. At one point I produced a paintbrush to clean out the case. We smiled at each other whilst we worked in the city of dust. I think at one point I said, "I'm so excited," though now that seems odd because the feelings are only remembered. It's just a thing. It's just a thing of many parts, and in many ways I still don't know how it works. It is more doing than understanding. And yet my hands can feel what connection is right and what is not now. They understand, if anything. They just know. Fuck, I love you.
DOTA 2 is 70% complete
A computer is made of so many parts. The component parts are computers in themselves. There are many selections to be made, and many ways to put them together. Their complexity is staggering, and to previous generations, that can seem daunting, terrifying, prohibitive sometimes. But that complexity, ever increasing at every iteration, allows for the most beautiful things to be made or shown to us, be it music, visual art, scientific research. The unique flair on show can be breathtaking. The combination of this with the sprawling grace of the internet makes the personal computer the most powerful tool for communication we have ever made. Within a PC is an incredible orchestra of sounds, graphics, words, numbers and interactions that can have someone across the world connect headlong with you. To be able to reach across the heaving mass of the world and make someone who is alone smile, laugh, or feel their own value is something that has become of the utmost importance to me. It is in a small box under my desk.
DOTA 2 is 80% complete
The most important thing about DOTA 2 is the complexity of it. You could spend hours and hours devouring the literature and still never understand. It is so complex that even the greatest, most learned players still feel that there is more to the game that they could know. From afar, it is the tangled gut of a PC. But there is room for you to learn, and a slice of life will be hidden from you if you don't. Many people have been here before. Those people will become important to you. Keep them close.
No, the most important thing is the history DOTA 2 is built on. Like computers, it has been engineered and tweaked through hundreds of fixes and balances and features, years of agonising and people complaining and testing. DOTA 2 is a strong and ancient behemoth: built on medieval foundations and rebuilt and fortified into a handsome castle so all encompassing and fancy you can see it for miles away.
It is constantly changing, fortifications are added, it is updated with the latest military equipment, always changing. It is tended by both professional and amateur staff, who know its odd quirks and winding corridors and ornaments and trap doors and workarounds and who talk of 'jungling' and 'ganking' and 'denying' as if everyone knew their secret language. They know the flair and showmanship that is available. They know about the new heroes approaching. They have seen everyone at their most vulnerable 1 health and that is why they are there. They know.
No, more important still is the capacity for ten players. It is a place for listening and for advice, particularly amongst players you know. It is a place to get the news. It is an important place to strengthen friendships and learn about yourself. Once you are in the machine, you are within the bosom of others who understand you and what your task is.
The task is hard, but it doesn't negate the everyday. It is a game that becomes second nature through practice, but you can add your own hum and your own sentimentality to theirs. You add your own meaning to the tower you have just demolished. You can pretend it was that last problem you were solving at work that tomorrow you will have to tackle, and others will help you do it.
DOTA 2 is 90% complete
No. No no. The most important thing about DOTA 2 is the complexity of it, the ability to create moments and invest in them and talk about it with other people. When I opened up that PC, I did not care for it. I didn't know what was in there, and I didn't understand what it would enable me to do. But pull it apart, converse over it, talk about its foibles and how your first PSU can't swap out the second broken one because of this dumb reason, go on a journey, participate in great raging triumphs - invest in its parts and how they fit together, the new iterations and the updates and downloads and ever changing surge of improvements to the topology. You can fall in love with your conduit to the world outside. Technology presents all of these possibilities for new shared moments. There never stops being something you can discover through others. Now I cannot stop thinking about how I will improve how my PC runs, about the next innovation. I think about improving myself. I think about improving my knowledge, my ties to the outside world. About knowing by doing.
DOTA 2 extends the PC's reach. Only a PC could host a machine as complex and interesting and wonderful as DOTA 2. DOTA 2 is why the PC is great. It is the PC.
DOTA 2 is 100% complete
Seduced by possibility, I put my headset on and straighten my spine. I touch the unfamiliar keys: laptop keys - what are these flattened cubes? Who are you, I wonder, frowning at the dark, handsome, flimsy stranger. You feel strange to the touch. You are different. You are an electric current to nine other people's hands, and four other people's voices. Let's go again. Let's go. I'll do it again.
Steam kicks me into a game, Skype yells ecstatic in my ears, and I smile because I am not alone. Neither are you.
Merry Christmas, RPS.


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Dirk Koehlmann
Dow BSL Olefinverbund GmbH
Congratulations to Ottmar Brandau for the online courses in PET-Technology he delivers. The courses offer an excellent introduction for newcomers of all levels as well as a useful re-visitation for people with a long experience."
I would like to take this opportunity to thank-you for your time and assistance during the [course] "Introduction to Two-Stage Stretch Blow Molding Technology" you instructed us on last month. Although I have 22 years experience in this trade I found information in your training I was not aware of before this time. I still would like to learn more from your training and are also looking at some of our more advanced employees to receive this type of instructional information.
Craig Gillis
Maintenance Manager
Westbridge PET Containers Corp


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Oyster, 28 mm, Everose gold and diamonds
Reference 279135RBR
Graceful elegance
This Oyster Perpetual Lady-Datejust in 18 kt Everose gold features an olive-green, diamond-set dial and a President bracelet.
Olive-Green Dial
A watchmaking technique
This dial features diamonds in 18 kt gold settings. The sunray finish creates delicate light reflections on many dials in the Oyster Perpetual collection. It is obtained using masterful brushing techniques that create grooves running outwards from the centre of the dial.
Light is diffused consistently along each engraving, creating a characteristic subtle glow that moves depending on the position of the wrist. Once the sunray finish has been completed, the dial colour is applied using Physical Vapour Deposition or electroplating. A light coat of varnish gives the dial its final look.
Diamond-set bezel
A sparkling symphony
Gem-setters, like sculptors, finely carve the precious metal to hand-shape the seat in which each gemstone will be perfectly lodged. With the art and craft of a jeweller, the stone is placed and meticulously aligned with the others, then firmly secured in its gold or platinum setting.
Besides the intrinsic quality of the stones, several other criteria contribute to the beauty of Rolex gem-setting: the precise alignment of the height of the gems, their orientation and position, the regularity, strength and proportions of the setting as well as the intricate finishing of the metalwork. A sparkling symphony to enhance the watch and enchant the wearer.
18 kt Everose gold
An exclusive patent
To preserve the beauty of its pink gold watches, Rolex created and patented an exclusive 18 kt pink gold alloy cast in its own foundry: Everose gold.
Introduced in 2005, 18 kt Everose is used on all Rolex Oyster models in pink gold.
The President bracelet
The ultimate refinement
This Lady-Datejust is offered on a prestigious President bracelet. Always in solid gold or platinum, the bracelets benefit from a concealed attachment beneath the bezel which ensures seamless visual continuity between the bracelet and case.
A new-generation concealed Crownclasp, opened with a hinged Rolex crown, adds the final aesthetic and functional touch to these sumptuous bracelets.
More Lady-Datejust technical details
Reference 279135RBR
Model case
Oyster, 28 mm, Everose gold and diamonds
Oyster architecture
Monobloc middle case, screw-down case back and winding crown
28 mm
18 kt Everose gold
Set with diamonds
Winding crown
Screw-down, Twinlock double waterproofness system
Scratch-resistant sapphire, Cyclops lens over the date
Water resistance
Waterproof to 100 metres / 330 feet
Perpetual, mechanical, self-winding
2236, Manufacture Rolex
-2/+2 sec/day, after casing
Centre hour, minute and seconds hands. Instantaneous date with rapid setting. Stop-seconds for precise time setting
Syloxi hairspring in silicon with patented geometry. High-performance Paraflex shock absorbers
Bidirectional self-winding via Perpetual rotor
Power reserve
Approximately 55 hours
President, semi-circular three-piece links
18 kt Everose gold
Concealed folding Crownclasp
Olive green set with diamonds
Gem settings
Diamonds in 18 kt gold settings
Superlative Chronometer (COSC + Rolex certification after casing)
Learn how to set the time and other functions of your Rolex watch by consulting our user guides.
Contact an Official Rolex Jeweler
Only official Rolex jewelers are allowed to sell and maintain a Rolex watch. With the necessary skills, technical know-how and special equipment, they guarantee the authenticity of each and every part of your Rolex and help you make the choice that will last a lifetime.
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Being a mom is great for your brain — here's the science behind it
Mother's Day is no doubt a reminder to appreciate our moms, who are often expected to make sacrifices for their children. And it's arguably those expectations that paved the way for the phrase "mommy brain" — when a mother's brain is so mired by the responsibilities of parenting that it supposedly turns to mush.
The truth is, Mother's Day honors women for the very same thing that the phrase "mommy brain" can sometimes blast them for. Yes, mothers are often stressed with trying to keep their children happy, healthy and safe, but that's not necessarily biological fate, nor a weakness. Traditional gender roles often bestow these responsibilities on mothers to deal with alone, and science actually suggests that juggling them is quite frankly an art — something that re-arranges the architecture of the human brain for the better. "Mommy brain" is not, it turns out, a syndrome or a devastating biological trade-off. It's a cognitive strength.
"It's kind of an amazing story of neuroscience," Henry W. Mahncke, a neuroscientist and the CEO of Posit Science in San Francisco, said in a phone interview. "The brain is not fogged or slowed down by being a mom. The brain is optimizing itself to take care of the baby."
Mothers have to learn quickly, and that strengthens the brain
Learning is one of the best things we can do for the brain — it re-introduces plasticity (flexibility) to it, making our minds more resilient to serious conditions such as Alzheimer's or Dementia, Mahncke said. When humans pick up new skills, they're changing the connections in their neurons and reshaping how the brain works.
Motherhood is an extreme example of that. When a baby comes along, the mother's brain "changes resources from things it used to work on to new areas — this new project of parenthood," Mahncke said. That doesn't mean that mothers forget everything they used to know. Instead, they're exercising their mind in new ways.
"[The brain] is like play dough. As the play dough is kneaded by the experience of life, the brain literally physically and functionally changes itself to be good at whatever we need it to do," he said. "A new mom's brain re-organizes itself to use more processing power on keeping this baby alive and keeping it growing."
Mahncke says it's the same thing that happens when a kid learns how to ride a bike or someone learns how to play the violin.
"When someone learns to pay the violin, we know that the brain devotes more processing power. Literally more area in the brain becomes devoted to controlling and manipulating those fingers," he said.
The only difference is that most people don't ask a violinist or a cyclist why what they do is valuable to the brain, or why it's a meaningful skill.
Many people still believe motherhood makes you less competent at work
The term "motherhood penalty" — coined by sociologists to explain disadvantages working mothers often experience — shows how widespread our society's misunderstanding of mothers' brains can be. One 2007 study, for example, asked participants to read fake job applications. Resumes that listed "Parent-Teacher Association coordinator" as a hobby instead of "Fundraiser for neighbor association" were favored less overall, while working mothers' competence was rated 10% lower than equal non-mothering candidates.
Experiments from the same study also suggest that mothers were six times less likely to be recommended for hire than non-mothering women, and non-mothering women were about eight times more likely to be recommended for a promotion. Another report looked at several studies and concluded that working mothers face a 4% wage penalty on average for every child they have, and this penalty is larger for low-wage working moms (meanwhile, working moms with incomes in the top 10% didn't experience a wage penalty).
In reality, motherhood's changes to the brain aren't inherently female; the benefits a mother's brain reaps from parenting could be enjoyed by fathers, too. Though mothers do undergo hormonal changes while pregnant, "once a baby is born, it really just depends on what the person does," Mahncke said.
A 1994 study examined how the experience of nurturing offspring affected the brains of mother rats. Skin-to-skin contact with the baby rats significantly reorganized the brain, suggesting that much of this rewiring occurs because of social interactions — not biology or hormones specific to females.
"The thing is, rat dads don't spend a lot of time with their pups," Mahncke said. "But modern dads who carry their babies around, feed them with bottles — all of that physical contact with the baby and all that directed attention for it will reorganize the dad's brain, as well."
The takeaway: We should appreciate our moms. No matter what era they're from, they've navigated sexist double standards and came out of like a champion with remarkable brains.


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As if the Indians needed another rotation injury question mark, ace Corey Kluber left yesterday's contest with a groin strain. Fortunately, the matter does not appear to be of major concern, as MLB.com's Jordan Bastian reports. Kluber was pulled mostly for precautionary reasons — with the division already in hand, Cleveland has little reason to push him. Instead, manager Terry Francona suggested, the aim is "to get him healthy" with the postseason beckoning.
Here's more from the American League:
- Angels righty Garrett Richards will test his stem-cell-bolstered elbow out against live batters for the first time tomorrow, as Jeff Fletcher of the Orange County Register reports. Richards is brimming with confidence in a joint that once seemed certain to cost him all of the 2017 season after already taking most of 2016. Now, he says, "I feel like I could go pitch in a game right now." Assuming the one-inning simulated game goes well, Richards will throw two instructional league innings and begin ramping up his innings before shutting things back down for what he hopes will largely be a normal winter.
- While a postseason return to the Red Sox for Pablo Sandoval seems rather implausible, manager John Farrell said it isn't off the table entirely in an appearance on MLB Network on Sirius XM (Twitter link). "He's done a very good job in rehab," Farrell said of Sandoval. "In the event of an injury he could be part of the conversation." Turning to the 30-year-old third baseman, who has only appeared in three games this year and struggled badly ever since coming to Boston, would obviously be something of a last-ditch move. But it's also quite promising to see that Sandoval is even drawing this kind of consideration, as it suggests that the team is optimistic in his progress — and could perhaps yet receive from value from his sizable contract.
- Tigers third baseman Nick Castellanos is ready for an intrasquad game as he continues to work back from a broken bone in his hand, as MLB.com's Kyle Beery reports. The 24-year-old may yet make it back by the end of the regular season, skipper Brad Ausmus said, which would represent a nice addition if the team is still pushing for a Wild Card spot. Castellanos has broken out this year with a .286/.331/.500 batting line and 18 home runs over 432 plate appearances, which has not only firmly planted him in the team's plans for the coming seasons but has also set him up nicely for his first season of arbitration eligibility.


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Greetings on Akshay Tritiya 2020:
Akshaya Tritiya, is an annual spring time festival that falls on the third Tithi (lunar day) of Bright Half (Shukla Paksha) of Vaisakha month.
The festival date varies and is set according to the lunisolar and falls in April or May of every year in the Gregorian calendar. This year it is on Sunday 26th April 2020.
In Sanskrit, the word "Akshayya" means " non-perishable, never endingness ". There are many legends and stories attached to this date, and it is considered a good day to start something that one wants to last forever.
In the third decade of the 21st century, the most rapidly diminishing asset is your knowledge because of the exponential rate of change around us. It is therefore a good thought to dedicate this day to pursue the tasks of learning, unlearning and relearning, as advised by Alvin Toffler.
I am sharing below a list of courses that I offer, that can be accessed through WhatsApp on a mobile phone itself. This list is very amusing and quite different from those that promise to make you employable very quickly ( followed by unemployability for the larger part of your life). These are like vaccines that make you future proof over a longer period.
One of the courses is on " avoiding natural stupidity". Now whether we learn Artificial Intelligence or not, we could do well to be aware of our inherent stupidity. Or realise that we should pursue learning first, specific topics can wait. Or on the ultimate reality " Death" for which no one is adequately prepared. As you peruse the list of courses below, you will appreciate its uniqueness. For more you may visit " Prof MM Pant's Whatsapp VishwaGurukul" at mmpant.com
Seven of these courses are on offer every day of the week, and you may choose to pick up one just on impulse to get started with your lifelong learning journey. Then there are 12 weeklong courses, as well as 12 weeklong courses.
List of daily courses : ( Monday to Sunday)
- WhaT01: Learning first! AI next!
- WhaT02: Learning Quantum Mechanics at School?
- WhaT03: Avoiding natural stupidity
- WhaT04: Ideas: their creation and spread
- WhaT05: Inspiring humans
- WhaT06: Pre-school learning ( for parents)
- WhaT07: Developing Foresight
List of weekend courses: ( Saturday and Sunday)
- WEL01: Complex Problem Solving
- WEL02: Critical Thinking
- WEL03: Creative Thinking
- WEL04: People Management
- WEL05: Co-ordinating with others
- WEL06: Emotional Intelligence
- WEL07: Effective Decision making
- WEL08: Service Orientation
- WEL09: Negotiation
- WEL10: Cognitive Flexibility
- WEL11: Overcoming Maths Phobia
- WEL12: First Principles
List of weeklong courses: ( Monday to Friday)
- WLL01:Learning with WhatsApp, other mobile Apps and MOOCs
- WLL02: WhatsApp for Educators
- WLL03: Learning Agility
- WLL04:Computational Thinking
- WLL05: Financial Acumen
- WLL06: Health Literacy
- WLL07: Preparing for a 100 year life
- WLL08: Death? Understanding it is critical to living well
- WLL09: Evolution and Extinctions
- WLL10: Humour: a must have skill
- WLL11: The pursuit of Happiness
- WLL12: Finding Meaning Making Sense
List of monthlong courses: ( fresh cohorts begin on the first Monday of every month)
- QT01: Understanding the Quantum World
- QT02: Quantum Biology
- QT03: Quantum Computing
To register for any of the above courses, please send a WhatsApp message to Prof MM Pant at +919810073724
The schedule of fees is as follows:
A: For each of the courses WhaT01 to WhaT07 it is Rs 750/-.
B: For each of the courses WEL01 to WEL12 it is Rs 1000/-.
C: For each of the courses WLL01 to WLL12 it is Rs 2500/-
D: For each of the courses QT01 to QT03 it is Rs 5000/-
The course fee can be easily remitted by PayTM to +919810073724
For those who would rather pay into a Bank account, the relevant information is :
Madan Mohan Pant
HDFC Bank, Unitech Cyber Park, Sector 39, Gurgaon
A/c 26451000000301
(The account number is 26451 followed by six zeroes followed by 301)


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FLEXIGATE is designed to allow tipper operators to be more flexible in their range of work duties by combining the benefits of a typical top hinged tipper tailgate with a side opening 'barn door' tailgate, all in one easy to use unit.
The FLEXIGATE offers new levels of versatility to operators of tipper bodies. The specially designed tailgate utilises a unique fastening system which enables the operator to interchange between a standard top hinged 'tipper' tailgate and a fully opening to one side 'barn door'.
This unique system has been designed and developed exclusively by Boweld and is now the subject of a patent application.


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If you have housing, personal services, help with clean-up or the like, I personally recommend you to our local CERT chapter:Big Sur Cert and list them there. This site is tried and true, having been set up during the Basin Fire 5 years ago, and re-activated during any and all emergencies. If you wish to donate money, I recommend our local Coast Property Association again, they are tried and true and their Board of Directors has always worked tirelessly to help our own. They are efficient, organized, and help all deserving individuals and families. 100% of the money they raise goes to the sur-vivers. Beware of organizations or even the occasional individual with their own agenda. (Neither of the organizations listed below are included in that warning. The organization of the,efforts of both organizations Re spearheaded by highly respected locals, Sharen Carey and Ken Wright, respectively.)
About relief funds: Posted by Sharen Carey
I have seen a number of postings regarding different funds for different individuals affected by the Big Sur Fire. While our hearts and prayers go out to each and every one of these people/families, I find it counter-productive to have multiple funds popping up. We ALL want to help those affected by the fire – and there are many, each with a personal and heart-wrenching story.
CPOA (Coast Property Owners Association) is collecting donations which will be pooled and distributed in the form of grants to those in need of assistance in the rebuilding effort. This organization has the list of ALL affected by the fire and will be distributing funds where needed.
Mom end our
For those who prefer to personally drop off donations of cash or checks, Big Sur Health Center will collect and pass funds on to CPOA.
Having one organization collect and distribute funds will consolidate donation efforts and enable the distribution of funds in an equitable manner to all those in need. Certainly, you can request that your donation be used in support of a specific person or family, if you wish, but, in my humble opinion, we are all in this together and we need to coordinate our efforts in the best interest of all.
On behalf of everyone at Big Sur Health Center, I applaud the generosity of this community and I hope that effort, in some small way, will give comfort to those who have experienced loss in this fire. Our hearts go out to you all.
Donations can be made to http://www.cfmco.org/bigsurfirefund
Monterey County, California — The Community Foundation for Monterey County (CFMC) has created The Big Sur Fire Fund to assist the Big Sur community in recovery efforts from the 2013 Pfeiffer Ridge Fire. Donations to this fund will provide support in the aftermath of the fire. Grants from the fund will be distributed to nonprofit agencies assisting individuals and organizations to meet needs as they arise.
"This is one of the most significant events to impact Monterey County in recent years. The fund at the CFMC will provide support to the Big Sur community," said Dan Baldwin, CFMC President/CEO.
The CFMC has seeded the fund with a $10,000 grant and has waived all administrative fees so 100% of donations will be used for grantmaking. The funds will be used to make grants to agencies providing emergency assistance, health and wellness, and equipment, among other needs. The fund will provide a trusted repository for philanthropic assets to be directed specifically for this purpose.
Those wishing to contribute to the fund can visit http://www.cfmco.org/bigsurfirefund, mail a check to the Community Foundation for Monterey County, 2354 Garden Road, Monterey, CA, 93940 "Attention: Big Sur Fire Fund," or call 831.375.9712 Monday through Friday from 8:30 to 5:00 PM.


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Bitcoin is up 52% this month (so far today). This reminds me of the bull run during late 2017 where checking the blockfolio app on my phone was as addictive as cocaine.
Currently we are seeing bitcoin dominate; compared to 2017, when bitcoin, altcoins and ICO's all increased in significant value on daily basis.
We have outlined below fundamental cryptocurrency tax consequences to be aware of which some taxpayers learnt after the 2017 bull run.
Have a strategy
Understand why you are buying cryptocurrency; your intention and purpose. Most situations we see are speculative investments with a purpose to make money.
Part of this strategy may be to buy and hold long term; what we classify as 'an investor'. Or, as a trader; in the business of trading cryptocurrency. Other strategies could be holding a specific type of token to earn rewards. Or provide a cryptocurrency token as security for asset backed lending to earn interest.
Perhaps you're involved in multiple activities.
A non-cryptocurrency example: You wouldn't buy a house without having a strategy. That strategy could be to buy the house and then; rent out (long term residential rental), renovate and sell (in business of dealing in housing), or subdivide – build on the back to sell the new house while renting out the existing front house (combined development and rental).
Prior to buying the house, a prudent purchaser would make sure the numbers stack up (do their research), assess the risks involved and get tax advice on the best way to structure the deal (from both a debt and ownership perspective).
Cryptocurrency strategy for a savvy investor should be no different.
Understand how your strategy and cryptocurrency activity will be taxed
Different cryptocurrency activities have different tax treatments.
A trader and an investor have different closing stock valuation methods and can claim different expenses; one is in business and the other is not.
Cryptocurrency backed loans are financial arrangements and taxed differently from traders and investors. Financial arrangements may result in paying tax on unrealised gains or losses. They also have a cash basis person exemption, which means you can elect not to apply the financial arrangement rules if you qualify.
Staking or earning reward tokens is different; holding coins on capital account may result in potential tax-free capital gains.
Returning to the non-crypto example outlined above, the different strategy and intention of the taxpayer (renting, renovate to sell, subdividing) all have a different tax treatment. Furthermore, the tax payer could rent the house, renovate and sell the same house, or subdivide the same land. In these situations, the house is the same, but the tax treatment depends on the activity of the tax payer.
When applied to cryptocurrency; two different tax payers could own the same cryptocurrency token but have a different tax treatment because their underlying activities are different.
Understand when your tax payments are due (including provisional tax payments), the risks involved and when IRD interest or late payment penalties apply
For most taxpayer, tax liabilities from the 2020 financial year (ending 31 March 2020) will be due for payment on 7 April 2021 (or 7 February 2021 if you're not registered with a tax agent). This is nearly 12 months after the end of the financial year.
Your tax liability is due in cash (fiat) to IRD. Should you choose to keep the $NZD equivalent of your tax liability in cryptocurrency, the value of your cryptocurrency portfolio will fluctuate with cryptocurrency price volatility, but your tax liability will remain the same.
For the year ending 31 March 2018, some tax payers had significant tax liabilities due to large profits. Their tax liability was subsequently due on 7 April 2019, but between 31 March 2018 and 7 April 2019, cryptocurrency prices decreased significantly. In some situations, the tax amount owed to IRD was more than the tax payers entire cryptocurrency portfolio. Understand this risk and manage accordingly.
If you tax liability is more than $60k, IRD use of money interest (UOMI) will apply. If this applies to you, we recommend you contact us immediately to discuss purchasing back dated tax from services such as tax management New Zealand (TMNZ). Or, pay tax in advance directly to IRD or TMNZ throughout the year.
For those tax payers already in the provisional tax regime, consider how your cryptocurrency profits may affect these tax payments.
Each individual tax payer will have a unique situation depending on their other income (PAYE or self-employed), their cryptocurrency activity, tokens held, initial investment and overall profit.
Plan to pay your tax (cashflow management)
Cryptocurrency is unique in that a trade between tokens can result in a taxable profit and subsequent tax liability, however you will not receive any cash to physically pay the tax.
By way of a non-crypto example; a tax payer purchases land for $100k. They sell the land for $200k (therefore making $100k taxable profit). They receive the $200k cash, but immediately purchase two new blocks for $100k each. In this example, they have a $100k taxable profit, but have no cash. The cash has been spent on the new land.
The same occurs in cryptocurrency; the sale proceeds from one token are automatically 'reinvested' into a new token. This results in a taxable profit, but no cash to pay the tax.
Therefore, it is important to prepare for how to pay your tax. This depends on each tax payers overall strategy, how their tax is calculated (depending on their specific activity), and their risk profile for price fluctuations.
Some strategies we have discussed with clients include:
- Cashing out the tax amount into fiat on regular occasions and paying direct to TMNZ to earn interest before the tax is due
- Reinvesting the tax amount into cryptocurrency with appropriate stop losses as a back-up
- Funding tax payments from outside cryptocurrency (wages or savings) to prevent further taxable events occurring. This is because the disposal of crypto (to fiat) is a taxable event itself.
Each individual's unique situation needs to be considered.
Contact us for a no obligation phone call or meeting to discuss any questions about your cryptocurrency strategy, tax treatment, tax payments and cashflow management.
Phone 07 823 4980 or email Tim.
This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.