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Foreword: this turned into a rather longer post than I had expected. The importance of language and localization online is one of my pet topics (I've just decided that it would be what I'd talk about at BlogCamp, rather than teenagers and stuff), so I do tend to get carried away a little.
I was surprised last night to realise that this wasn't necessarily obvious — so I think it's probably worth a blog post.
The fact a service is in English only is a showstopper for many non-native speakers, hence a barrier to wider adoption in Europe.
But doesn't everybody speak English, more or less? Isn't it the lingua franca of today that everybody speaks? It isn't. At least not in the French-speaking part of Switzerland, and I'm certain there are many other places in Europe where the situation is similar.
Come and spend a little time in Lausanne, for example, and try communicating in English with the man on the street. Even if many people have done a couple of years of English at school, most have never had any use for it after that and have promptly forgotten it. German is a way more important "foreign language" around here, as it is the linguistic majority in Switzerland, and most administrative centers of big companies (and the government) are in the German-speaking part of the country (which doesn't mean that everybody speaks German, either).
The people who are reasonably comfortable with English around here will most often be those who have taken up higher academic studies, particularly in scientific subjects ("soft" and "hard" science alike).
And if I'm the person who comes to your mind when you think "Swiss", think again — my father is British, I was born in England, went to an English medium school and spoke English at home until I was 8, conversed regularly with English-speaking grandparents during my growing years, and never stopped reading in English: all that gave me enough of a headstart that even though my English had become very rusty at the end of my teens, I dove into the English-speaking internet with a passion, and spent an anglophone year in India. So, no. I'm not your average Lausanne-living French-speaker. I'm a strange bilingual beast.
Imagine somebody whose native language is not English, even though they may theoretically know enough English to get around if you parachuted them into London. (Let's forget about the man on the street who barely understands you when you ask where the station is.) I like to think of my (step-)sister as a good test-case (not that I want to insist on the "step-", but it explains why she isn't bilingual). She took up the "modern languages" path at school, which means she did German, English, and Italian during her teenage years, and ended up being quite proficient in all three (she's pretty good with languages). She went to university after that and used some English during her studies. But since then, she honestly hasn't had much use for the language. She'll read my blog in English, can converse reasonably comfortably, but will tend to watch the TV series I lend her in the dubbed French version.
I'm telling you this to help paint a picture of somebody which you might (legitimately) classify as "speaks English", but for whom it represents an extra effort. And again, I'd like to insist, my sister would be very representative of most people around here who "speak English but don't use it regularly at work". That is already not representative of the general population, who "did a bit of English at school but forgot it all" and can barely communicate with the lost English-speaking tourist. Oh, and forget about the teenagers: they start English at school when they're 13, and by the time they're 15-16 they might (if they are lucky) have enough knowledge of it to converse on everyday topics (again: learning German starts a few years before that, and is more important in the business world). This is the state of "speaking English" around here.
A service or tool which is not available in French faces a barrier to adoption in the Suisse Romande on two levels:
- first of all, there are people who simply don't know enough English to understand what's written on the sign-up page;
- second, there are people who would understand most of what's on the sign-up page, but for whom it represents and extra effort.
Let's concentrate on the second batch. An *extra effort"?! Lazy people! Think of it. All this talk about making applications more usable, about optimizing the sign-up process to make it so painless that people can do it with their eyes closed? Well, throw a page in a foreign language at most normal people and they'll perceive it as an extra difficulty. And it may very well be the one that just makes them navigate away from the page and never come back. Same goes for using the service or application once they have signed up: it makes everything more complicated, and people anticipate that.
Let's look at some examples.
The first example isn't exactly about a web service or application, but it shows how important language is for the adoption of new ideas (this isn't anything groundbreaking if you look at human history, but sometimes the web seems to forget that the world hasn't changed that much…). Thanks for bearing with me while I ramble on.
In February 2001, I briefly mentioned the WaSP Browser Push and realised that the French-speaking web was really "behind" on design and web standards ressources. I also realised that although there was interest for web standards, many French-speaking people couldn't read the original English material. This encouraged me to blog in French about it, translate Zeldman's article, launching the translation site pompage.net in the process. Pompage.net, and the associated mailing-list, followed a year or so later by OpenWeb, eventually became a hub for the budding francophone web standards community, which is still very active to this day.
(What happened with the Swiss Blog Awards is in my opinion another example of how important language issues are.)
Back to web applications proper. Flickr is an application I love, but I have a hard time getting people to sign up and use it, even when I've walked them through the lengthy Yahoo-ID process. WordPress.com, on the other hand, exists in French, and I can now easily persuade my friends and clients to open blogs there. There is a strong French-speaking WordPress community too. A few years ago, when the translation and support were not what they are now, a very nice little blogging tool named DotClear became hugely popular amongst francophone bloggers (and it still is!) in part because it was in French when other major blogging solutions were insufficient in that respect.
Regarding WordPress, I'd like to point out the community-driven translation effort to which everybody can contribute. Such an open way of doing things has its pitfalls (like dreadful, dreadful translations which linger on the home page until somebody comes along to correct them) but overall, I think the benefits outweigh the risks. In almost no time, dozens of localized versions can be made available, maintained by those who know the language best.
Let's look at teenagers. When MySpace was all that was being talked about in the US, French-speaking teenagers were going wild on skyblog. MySpace is catching up a bit now because it also exists in French. Facebook? In English, nobody here has heard of it. Live Messenger aka MSN? Very much in French, unlike ICQ, which is only used here by anglophile early adopters.
Skype and GMail/GTalk are really taking off here now that they are available in French.
Learning to use a new service, or just trying out the latest toy, can be challenging enough an experience for the average user without adding the extra hurdle of having to struggle with an unfamiliar language. Even though a non-localized service like Flickr may be the home to various linguistic groups, it's important to keep in mind that their members will tend to be the more "anglophone" of this language group, and are not representative.
The bottom line is that even with a lot of encouragement, most local people around here are not going to use a service which doesn't talk to them in their language.
9:52 Afterthought credit:
I just realised that this article on why startups condense in America was the little seed planted a few days ago which finally brought me to writing this post. I haven't read all the article, but this little part of it struck me and has been working in the background ever since:
What sustains a startup in the beginning is the prospect of getting their initial product out. The successful ones therefore make the first version as simple as possible. In the US they usually begin by making something just for the local market.
This works in America, because the local market is 300 million people. It wouldn't work so well in Sweden. In a small country, a startup has a harder task: they have to sell internationally from the start.
The EU was designed partly to simulate a single, large domestic market. The problem is that the inhabitants still speak many different languages. So a software startup in Sweden is still at a disadvantage relative to one in the US, because they have to deal with internationalization from the beginning. It's significant that the most famous recent startup in Europe, Skype, worked on a problem that was intrinsically international.


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Imelda Marcos, the First Lady of the Philippines who loved shopping, may have had 2,700 pair of shoes, but it's likely the American Podiatric Medical Association (APMA) wouldn't have approved of any of them!
"In order to obtain and maintain foot health, individuals must understand their foot structure [flat feet vs. high arched feet in the simplest form] and select shoe gear that adequately supports their feet. This means not only choosing the correct size but also selecting the appropriate style of shoe," says APMA spokesperson Dr. Melissa Skratsky.
Indeed, there's a lot resting on your feet. If you're feet aren't healthy and comfortable, it can impact your legs and back, and your ability to exercise or simply move around the house. Here, Dr. Skratsky gives the low down on how to find the right shoes and keep your feet in tip-top condition.
Healthy Feet
Before going shoe shopping, it's important to understand your feet. "A number of systemic conditions, like diabetes, neuropathy and peripheral vascular disease, initially manifest themselves in the feet," Dr. Skratsky says. "Individuals must be cognizant of whether or not they have normal pedal circulation and sensation, and whether or not they suffer from any foot deformities."
She suggests discussing this type of information with your podiatrist, who can also help you determine if an over-the-counter shoe is right for you.
Shoe Shopping
To find the right shoe, Dr. Skratsky offers the following suggestions:
- Talk to your podiatrist about any foot deformities you may have. If not treated surgically, these deformities must be accommodated with various shoe modifications/padding and/or orthotics.
- "I advise my patients to go shoe shopping late in the day when your feet are most swollen," she says.
- You should be measured for shoes standing up and using the Brannock Device.
- If you have a bunion or toe contractures (hammertoes), look for a shoe with a round, wide toe box to avoid toe crowding and blister formation. Avoid shoes whose seaming runs across a bone prominence like a bunion, as this will lead to irritation and pain.
- An oxford-type lace up shoe will be more supportive than a slip-on shoe or a mule/clog.
- Look for shoes constructed of breathable leather with rubber soles.
- Shoes should have sufficient arch padding. If you can easily bend and twist the shoe, the arch padding likely isn't sufficient.
Custom Fit
Over-the-counter shoes won't work for everyone, though. "If an individual is unable to find over-the-counter (non-custom) shoes that accommodate their deformity, they should see a podiatrist," Dr. Skratsky advises. In these cases, specialty shoes or orthotics may be necessary.
"Specialty shoes and orthotics are created and molded from impressions of your feet," she explains. "Therefore, if you have rheumatoid arthritis and suffer from severe hammertoes/bunions and metatarsalgia, the areas of increased pressure/pain can be off-loaded with padding and indentations within the custom, accommodative orthotic."
Specialty shoes can also help support your feet as you age. "You may develop fallen arches and experience pedal pain; specialty shoes/orthotics can be fabricated to support the bones of your feet and make up for the insufficiencies of your soft tissues," Dr. Skratsky says.
With the right shoes as your foundation, your entire body can benefit!
When Comfort Counts – AARP.org
What are Orthotics? – APMA.org

subset: commoncrawl


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AKTIVA Weekend events
Birthday Parties
A football party, ballet party, disco party or simply a multi activity party! Aktiva Camps can organise a birthday party tailored to your needs. We provide the venue, the equipment, the staff and more importantly, we clear up the mess!
We offer personalized parties and will work closely with yourself and you and your child to ensure the party is run in the way your child imagines. We can provide gift lists, personalised pic-nics and goodie bags for the end of the day.
To find out more about our range of parties, please contact the Aktiva Team on 020 3551 8909 or email email@example.com.


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Islamic Test Online Preparation
Isalmic study Test based on complete knowledge of Islam. This test enables the contestant to get fundamental information of Islam. By attempting this test you can check and increase your Islamic knowledge. This test contains questions about Quran, Prophets of Allah, Arkan e Islam, Battles of Islam History and many more. It is more important to prepare Islamic general knowledge because all the entrance test, Pak Army test, Pak Navy Test, Pak Air Force Test, ISSB, PPSC, FPSC, KPKPSC, BPSC, NTS, PTS, OTS, CTS and further more entry test contain Islamic general knowledge test section. Candidates must get this test and attempt the entire quiz till end to be eligible to clear all the tests with high marks.


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Coordinating Minister for Maritime Affairs Luhut Pandjaitan expressed his agreement with President Jokowi pushing to have foreigners taking charge of some of the country's state-owned enterprises.
At a press conference at the State Palace last week, President Joko Widodo roused controversy when he stated that he wanted to have 'bules' leading some of the country's state-owned enterprises, explaining that it will prove advantageous so "our people can learn and be motivated and be able to compete with foreigners."
The Indonesian president's use of the term 'bule' stirred more controversy with BBC Indonesia featuring the word's meaning and background in a recently released piece.
It's no surprise that with the existing paranoia Indonesian nationals have about foreign workers coming to the country illegally to steal local work, Jokowi's statement will not be taken well by many. In fact, both Indonesian politicians and netizens criticized him heavily for suggesting that the archipelago needs foreigners to run SOEs, as it implied that locals and natives were not qualified for the work.
See: The Real Score on the Number of Foreigners Working in Indonesia
Despite the ruckus caused by his statement, however, it seems like Jokowi and his administration are keen to push through with the plan of designating foreigners to take charge of some of the country's biggest and most powerful companies. A plan that maritime affairs coordinating minister Luhut Panjaitan defended to the media early this week.
Panjaitan relayed to reporters that the president explained how it would be no fuss if it were about getting a bule coach for the Football Association of Indonesia, but getting a bule CEO for an SOE is a challenge. Jokowi added that if the Indonesian people cannot do the job, then it should be given to foreigners.
The maritime affairs minister argued that hiring foreign football coaches did not create so much fuss as everyone understands they know more about the science of the sport better than Indonesians.
Panjaitan further explained that hiring bules to run SOEs should be seen in the same manner. He added that Indonesia should learn from other countries like Bahrain, Oman and the UAE where SOEs have grown under the leadership of foreigners, explaining how Arabs focused on making their SOEs world-class, which has contributed to much of their countries' development and globalization.
Image credits: Kabarterpilih, Elshinta


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About Pierre Roy & Associés
Pierre Roy & Associés is a Licensed Insolvency Trustee with offices throughout the Greater Montreal Area. The firm has been helping Quebecers dealing with debt get back on their feet quickly since 1990.
If you are tired of struggling with debt such as credit card debt, personal loans, car loans or mortgage, we have solutions that can be tailored according to your situation.
Our team of Financial Reorganization Advisors can meet with you – free of charge – and will take the time to analyze your financial situation: your budget, your assets, and your debts. This free consultation will give us the chance to discuss the best way for you to get debt free while protecting your assets.
Our firm specializes in consumer insolvency and we have helped thousands of Quebecers to get through this difficult situation you might be in. We know how stressful debt is and that's why we are the professionals you need to contact to regain peace of mind.


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Modo WordPress Theme Main Features
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Parallax Section
Revolution Slider
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Child Theme
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Powerful MODO mega menu:
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MODO powerful options panel (Redux framework)
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Please submit ticket to http://support.useful-pixels.com/ and our support team will help you with the issue related to our theme or WordPress configuration.
Or send email to email@example.com
Update History
Version 2.2 April 27th, 2018
- Visual Composer Update - Revolution Slider Update - Woocomerce Update - Added Free Premium Plugins – SAVE 32$ 360 Panorama Video - Visual Composer Addon 360 Panorama Photo Sphere - Visual Composer Addon
Version 2.1.9 April 8th, 2017
- Visual Composer Update - Revolution Slider Update - Mobile menu icons support - Portfolio Filter Fix - Font Awesome Icons Update
Version 2.1.8 Oct 13th, 2016
- Visual Composer Update - Revolution Slider Update - Redux Update
Version 2.1.7 April 15th, 2016
- Compatibility with WP 4.5 - Visual Composer Update - Revolution Slider Update - Redux Update - IE 11 footer links fix
Version 2.1.6 Feb 16th, 2016
- Visual Composer Update v4.10 - Revolution Slider Update v5.1.6 Please Read Update Instructions Carefully !!!
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- Visual Composer Update v4.8 - Revolution Slider Update v5.1 Please Read Update Instructions Carefully !!!
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- Visual Composer Update v4.7.4 - Revolution Slider Update v5.0.9 - Font Awesome 4.4 Please Read Update Instructions Carefully !!!
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- WP Security Fix - WordPress 4.2 ready - WooCommerce 2.3.8 ready - Visual Composer update v4.4.4 - Revolution Slider Update v3.6.9 - Single Portfolio Full width options - Redux framework update Please Read Update Instructions Carefully !!! For security reason you need to manually install plugins!!!
Version 2.0 January 13th, 2015
- Logo Center Option - Single menu Icons - Revolution Slider Update - Files that have been changed: /modo/assets/css/modo.css /modo/templates/header.php /modo/inc/nav.php
Version 1.5 December 23th, 2014
- WordPress 4.1 ready - Files that have been changed: /modo/assets/css/modo.css Update Visula Composer Plugin 4.3.5 Please Read Update Instructions Carefully !!!
Version 1.4 November 22th, 2014
- WordPress 4.0.1 ready - Update Visula Composer (latest version) - Update Revolution Slider (latest version) - New Custom Google maps element (http://modo.useful-pixels.com/corporate-demo/contact/) - Files that have been changed: /modo/assets/css/modo.css /modo/inc/shortcodes.php /modo/vc_extend/extend-vc.php /modo/vc_extend/vc_up.php Please Read Update Instructions Carefully !!!
Version 1.3.1 October 2th, 2014
- Woocommerce 2.2.4 fix - Anchor javascript fix - Files that have been changed: /modo/assets/js/main.js /modo/inc/custom-woocommerce.php
Version 1.3 September 8th, 2014
- Update Revolution slider - 40 New Icons in 4.2 Font Awesome - Portfolio Multi-category item filter - Single Image URL Fix - Heading Title border fix
Version 1.2 August 20th, 2014
- Added Portfolio Four Columns Wide no space - Added Portfolio Four Columns Wide with space - Update Redux Framework (fixed W3_ObjectCache error) - Fixed one-page search icon problem
Version 1.1 August 12th, 2014
- Added Modo company example site - Added option for custom search,shop and mobile icons color - Fixed responsive behaviour when resizing screen or on mobile devices - chriskv34[ad_2] Source


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Horse Influenza
Equine influenza (Horse flu) is the disease caused by strains of Influenza A that are enzootic in horse species. Equine influenza occurs globally, and is caused by two main strains of virus: equine-1 (H7N7) and equine-2 (H3N8). The disease has a nearly 100% infection rate in an unvaccinated horse population with no prior exposure to the virus. While equine influenza is historically not known to affect humans, the impact of an outbreak would have been devastating. Since people heavily relied upon horses for communication (postal service), military (cavalry) and general transport, the social and economic impact of widespread equine disease would have been devastating. However, in modern times the ramifications of equine influenza are most clear in the modern racing industry.
Equine influenza is characterized by a very high rate of transmission among horses, and has a relatively short incubation time of 1–5 days. Horses with horse flu can run a fever, have a dry hacking cough, have a runny nose, and become depressed and reluctant to eat or drink for several days, but they usually recover in 2 to 3 weeks.
Outbreaks of Equine Influenza
1872 American outbreak
An epizootic outbreak of equine influenza during 1872 in North America became known as "The Great Epizootic of 1872." The outbreak is known as the "most destructive recorded episode of equine influenza in history." The impact of the outbreak is marked as one of the major contributors to the Panic of 1873 in the United States. The first cases of disease in pasture horses were in the townships of Scarborough, York, and Markham in Ontario, Canada. By October 1, 1872, the first case occurred in Toronto. It took only three days before all the street car horses and major livery-stables were affected. By the middle of the month, Montreal, Detroit, and most of the Dominion of Canada and New England reported cases.
By the start of November Ohio, Massachusetts, and South Carolina were reporting cases. So was Chicago, Illinois. The contagion reached Florida and Louisiana by the end of November and Cuba on December 7. The height of the plague was December 14, when the Mexican government had to supply disease-free horses to the stricken United States. One major factor was that cities were not clean back in those days, which meant that germs spread all that much more quickly (especially through contaminated food and water). The rate of infected horses approached 100%, and mortality rates ranged between 1% and 10%. Many horses were unable to stand in their stalls. Those that could stand coughed violently and were too weak to pull any loads or support riders.
The street railway industry ground to a halt in late 1872. Every aspect of American transportation was affected. Locomotives came to a halt as coal could not be delivered to power them, while fires in many major cities raged unchecked. One fire in Boston destroyed over 700 buildings (November 9-10 of that year). Indeed, many a fireman just stood there helpless and horror-stricken, for lack of any equipment to work with. Even the United States Army Cavalry was reduced to fighting on foot against the Apaches, who likewise found their mounts too sick to do battle. The outbreak forced men to pull wagons by hand; while trains and ships full of cargo sat unloaded, tram cars stood idle and deliveries of basic community essentials were no longer being made. The Great Epizootic of 1872 was also a contributor to the Panic of 1873, which lasted six years; hence, it would be about seven years total before things were restored to normal operation.
2007 Australian outbreak
The continent of Australia had remained free of equine influenza until an outbreak in August 2007. While the virus was successfully contained and Australia has returned to its equine influenza-free status, the outbreak had significant effects to the country's racing industry.


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Suzuki All Models Touch Up Paint
Find Touch Up Paint for Suzuki All Models
PaintScratch sells Suzuki All Models touch up paint for the years listed in the table. Click your Suzuki All Models year to see available touch up paint colors.
We guarantee Suzuki All Models touch up paint will match the original factory color chip on Suzuki 's manufactured after 1996.
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Order Suzuki All Models paint pens, brush cap bottles, and spray cans from our secure online store. For small All Models scratches, the paint pen works well. For slightly larger Suzuki All Models scratches and chips, a brush bottle is best. For larger paint repairs, a Suzuki All Models spray paint can will deliver best results.
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- Touch Up Paint Videos - Watch and learn how to apply touch up paint to your Suzuki All Models.
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Find Your All Models Color & Paint CodeOften, you can call Suzuki and see if they can tell you where to look for your Suzuki color code. Ask them if they know the PPG or Dupont paint formula number if there is no color code. If you have any paint information, please fill out our contact form with your Suzuki paint information.
Sometimes the Suzuki color code is well hidden! Some vehicles do not have color codes so contact us with as much information as you can. We often can make these Suzuki colors.


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Although you have undoubtedly heard that we have collected nearly 1,000,000 petitions, we still need petitions in several counties to insure that there are enough verifiable signatures.
If you are in any of the following counties, or know anyone in these counties, or would like to spend a week there, please call Lorianne at 405-921-9623. You can collect as a volunteer, or you can get paid $3 per signature. Collect 100 and you've made $300 in just a couple of days.
St. Johns
Indian River
Time is critical. We have a little more than a week to get this done. Please call
Lorianne at 405-921-9623. She will send them out to you immediately. Let's not lose this chance at reform for lack of just a few petitions.
I live in Lee County and Know a lot of people here, what needs to be done and where do i need to go to get information about stepping up and helping out?
It is too bad the people running the paid program for Sarasota/Manatee made it so hard to work with them. I tried to sign up a month ago and got the feeling they really didn't care if I did it or not. They offered $1 each and not $3, but they just made it difficult. They also made me wonder if I would get paid or not. Lost me and two other people, probably about 3000 sigs they could have had. Too late now.
I know people in Sarasota County and can take care of this area! Will give Lorraine a call to see how I can help 🙂


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America's 10 most dangerous jobs
For some Americans, risking life and limb comes with the job.
Occupations that put workers in harm's way aren't always those obviously risky jobs that are highlighted on reality TV, like History's "Ice Road Truckers." In fact, some of the professions that have the highest rates of injury and death involve providing health or public safety services, according to a new survey from CareerCast.
In 2014, workers suffered almost 3 million nonfatal injuries, while 4,821 lost their lives on the job, according to the U.S. Bureau of Labor Statistics.
Some workers in the most country's most dangerous careers are making annual incomes that barely tip over the poverty line for a family of four, which indicates that bodily risk may not always come with commensurate compensation. The typical annual salary for one of the riskiest jobs is about $45,000.
On the flip side, CareerCast also considered which occupations are the safest. No surprise that many of them involve working at a desk or with computers, such as accountants, computer systems analysts and paralegal assistants. These positions also pay higher wages, with an average annual salary of almost $70,000.
CareerCast based its findings on data from the U.S. Bureau of Labor Statistics, the Center for Disease Control, the Occupational Safety and Health Administration and trade groups.
Read on to learn about the country's 10 most dangerous careers.
Construction laborer: $30,890
Construction laborers, who earn an average annual salary or $30,890, are in a growing field. The BLS projects the number of jobs to grow by 13 percent by 2024.
These workers have a high rate of injuries, however, given the nature of the job. OSHA notes that one in five worker deaths in 2014 took place in the construction field. The top four causes of fatalities were responsible for about six out of 10 construction worker deaths, the agency said. Those "fatal four" are falls, electrocutions, being struck by an object and being caught between objects, equipment or material.
Corrections officer: $40,580
Corrections officers earn an annual average salary of $40,580, and the BLS projects the career will grow by 4 percent through 2024. It's a tough job, given that corrections officers are often stressed and worried about being attacked by an inmate, according to The Marshall Project.
Their rate of injury is 36 times that of the typical American worker, the organization noted.
Emergency medical technician: $31,980
Emergency medical technicians are among the first responders, but they're often in need of care themselves after doing their jobs. The rate of injury for EMTs and paramedics is about three times the national average for all workers, according to a 2013 analysis. Assaults are one issue that EMTs have to contend with, the research found.
EMTs are increasingly needed. The BLS projects the job to grow by 24 percent by 2024, because of accidents, natural disasters and violence.
Farmer: $64,170
Farming might not seem risky to city dwellers, but people who grow up in farming families typically know someone who has been injured on the job. The occupation, which pays about $64,000 annually, is projected to decline by 2 percent through 2024 because of technological innovation that's reducing the need for workers.
The worst farm injuries are usually related to machinery, according to the National Ag Safety Database.
Firefighter: $46,870
Firefighters, who earn an average of $48,870 annually, risk their lives to save people from burning buildings and other dangerous situations. Fewer than half of the 63,000 injuries firefighters suffer each year happen on the "fireground," or the area where firefighting takes place, according to the National Fire Protection Association.
Many of the injuries are sprains or strains, but firefighters are also exposed to hazardous materials such as asbestos or chemicals, according to the group, which notes that sixty-eight firefighters died in 2015. The career is projected to grow by 5 percent through 2024.
Nursing assistant: $25,710
Nursing assistants are the second-lowest paid career on the list, but like all the others the job comes with a high degree of risk. Because nursing assistants are often lifting or moving patients, they're prone to have strains or other injuries.
A 2012 study found that back injuries were the second-most common among nursing assistants, with scratches and open wounds taking the top spot. Other common injuries were black eyes and bruising, strained muscles and human bites.
The career is projected to grow by 17 percent through 2024, mainly because of the aging U.S. population.
Police officer: $60,270
Police officers have one of the highest rates of injury of all U.S. professions, according to the BLS. On average, U.S. police officers suffer from about 57,300 assaults per year, and more than 15,000 of those lead to injuries. From 2004 to 2013, an average of 151 police officers have died on the job each year.
The job is projected to grow by 4 percent through 2024.
Taxi driver: $23,510
Taxi driving, the lowest-paying career on the list, comes with a long list of issues, ranging from stress to injuries and even death. Taxi drivers are 20 times more likely to be murdered while working than other American workers, according to OSHA.
Despite the dangers, the job is projected to grow by 13 percent through 2024, partly as ride-hailing apps like Uber and Lyft lead to increased demand.
Truck driver: $40,260
Truck drivers have higher rates of death and injury than other occupations for one reason: Their job requires them to be on the road, which increases the chance of a crash or accident.
Demand is strong for tractor-trailer truck drivers, but not enough workers are available to fill those roles. With a shortage of about 30,000 qualified drivers, the industry is reaching out to underrepresented groups such as women to join the truck-driving ranks. The job is projected to grow by 5 percent through 2024.
Veterinarian: $88,490
Veterinarian may not seem like a risky job, but it comes with the chance of getting injured by a pet or livestock, noted CareerCast.
"Animals can be unpredictable and sometimes dangerous," Kyle Kensing, online content editor at CareerCast, said in a statement. "Veterinarians working with dogs and cats can face the workplace hazards of bites and scratches, and those who work with livestock and other large animals risk serious injury."
This career, the highest-paid job on the list, is projected to grow by 9 percent through 2024.


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5th December 2013 - 8 min read
Like marriage, buying property can be a long and expensive commitment. Once you have chanced upon a house you could see yourself living in, the very first question you should ask yourself is "Can I afford it?" It's important that you don't go into the property game with rose-tinted glasses.
Usually banks are willing to approve a loan on the condition that the monthly mortgage repayments are no more than one third of your gross monthly income. That's not because they are mean with their money, it's because the bank doesn't want your home loan payments to cripple you so much that you spend the days of your life eating nothing but maggi mee for breakfast, lunch, and dinner.
The common measure of eligibility is known as a Debt Service Ratio or DSR for short. This is the ration of your monthly installments to your monthly income.
DSR = monthly installments/monthly income
It's important to learn a few of these terms before you meet your bank loan officer, as you don't want to sound like you're fresh off the boat.
Most banks in Malaysia can offer borrowings for up to 90% of the purchase price of the property with the balance paid by the borrower as a one off deposit, also known as a down payment. When a bank looks through your home loan application, they're not only looking at your DSR, they also want to see what other financial commitments you are currently handling. The loan officer will look at debts on car loans, education and any other property to determine your credit worthiness.
And yes, they'll be using a credible (pun intended) agency such as CCRIS, to check that you have some kind of credit history, and that you have a good record of making monthly payments on your household bills and loans.
Before we look at the different types of mortgages, let's take a look into the working mechanisms of a home loan.
Financial institutions will act as lenders and will earn a profit from the interest they charge on the borrowed sum. Borrowers will have to pay monthly installments consisting of a portion of the principal plus the interest.
Many banks use floating interest rates to calculate monthly repayments, which changes when the BLR fluctuates, resulting in higher or lower charges. The BLR is determined by Bank Negara from time to time after considering economic conditions.
To offset this scenario, most banks have evolved to allow for excess repayments deposited to a current account linked to the home loan, which lowers interest charges as it is calculated based on the difference between the amount in the current account and the home loan, and can potentially shorten your loan tenure. This method is called a reducing balance and home loans using this method are called flexi loans.
Say you would like to borrow RM200000 from a bank, which has an interest rate of 4.5% and a maximum tenure of 30 years. In the table below, with the help of some simple math, I will show you how much you can save with extra repayments on a fully flexible home loan.
|Monthly Installments (RM)
|Extra Payment (RM)
|Total Paid (RM)
|Interest Savings (RM)
|Tenure (Years)
Surprised by how much you can save with just RM500 extra? I am too! You don't have to do it every month, but only when you think you have enough money lying around and you can already shave off at least a year or two of your tenure.
There are a few exceptions where banks or lenders use fixed interest rates to calculate monthly installments (such as AIA home loans). There are also multi-tiered fixed rate home loans, where different periods of your tenure corresponds to different interest rates determined by the bank, removed from market rates. This can be beneficial for those that have a strict plan for their finances for the foreseeable future as you will be protected from market rate fluctuation. Is there a catch? You will be paying slightly higher interest, and though you are saved from paying more should the BLR rise, you also lose out on a lower rate when the BLR falls
The BLR has been a steady 6.6% as of late. Other banks such as Standard Chartered may use different rates such as KLIBOR, which is usually more risky.
Example of calculations based on BLR: Hong Leong is currently offering an interest rate of -2.2 BLR on their Mortgage Plus home loan which means 6.6 (BLR) – 2.2 = 4.4%.
But the lowest interest rate is not the only thing you should be looking at, because as the saying goes, the devil is in the details. Before singing on the dotted line, one should take a look at the fine print.
It would be to your advantage to also look up product disclosure sheets available on most bank websites, for more in-depth information regarding your potential home loan package before heading to the nearest bank to meet with a mortgage officer. Signing off on a document you have barely understood, or even read is bad news though sadly, very common.
A product disclosure sheet may contain significant information about a certain financial product including any risks and benefits, overall product costs, including but not limited to miscellaneous fees and charges, or whether they are able to finance your insurance. This information isn't usually advertised outright, but you'll be glad you thumbed through the bank website to find it.
Many things can overshadow the benefits of an attractive interest rate, especially accounts which requires regularly servicing such as excess cash withdrawal fees and monthly maintenance fees.
You may be aware that it is possible to finance your mortgage using your EPF account, but how do you actually do it? Savings from your Account II, where 30% of your EPF funds are allocated, can be withdrawn to buy a property whether as an individual or a joint agreement with a partner of family member.
In order to qualify, it is important that you have a Sale and Purchase Agreements which is no more than 3 years from the date of application, and have been approved for a housing loan from a bank certified by the EPF/KWSP, among other things that are listed on their website.
Even if you've already started paying your monthly loan installment; you can use funds from Account II to reduce the sum borrowed or pay your monthly installments in advance.
But do you think it wise to do so? Your EPF is your retirement nest egg and already, it is widely known that most Malaysians won't earn enough EPF contributions to get by in old age. Can you skip reducing it more? Always weigh the opportunity cost of one investment against another and work it out from there.
There are a few things home buyers may need to pay attention to regarding the 2014 budget released by the government recently.
If you are planning to finance a home in the next couple of years, there is reason to be optimistic about house prices despite the exorbitant levels we currently experience, as an estimated 223000 units of affordable houses will be built jointly by the government and the private sector in the next year.
Under the 1Malaysia People's Housing Programme (PR1MA), another 80000 units will be built at strategic places around the country with a budget of RM1 million and priced 20% below market rates, in an effort to provide affordable homes for Malaysians.
The government has also given an incentive to private developers to build medium-cost houses with the introduction of the Private Affordable Ownership Housing Scheme (MyHome). This in essence, is a subsidy of RM30000 to the developers for each unit built.
Perhaps it is time to take a breather and put all that we've talked about and everything else in between in order:
As a parting advice, always be in it for the long run. If you are capable of paying off more of your principal during the early years, please do so.
People often forget that inflation and fluctuating interest rates will in the future change our spending habits and increase our cost of living. You'd want to be ready for such eventuality.
At the end of the day, there is no one-size-fits-all deal. The decision depends on your current and likely future financial position.
Subscribe to our exclusive weekly newsletter and we'll bring you the week's highlights of financial news, expert tips, guides, and the latest credit card and e-wallet deals.
Stay tuned for what's to come next in the personal finance world


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Chest Of Drawers
NFT Hydroponic Store has full hydroponics systems & full hydroponic grow kits at one of
NFT Hydroponic Store has full hydroponics systems & full hydroponic grow kits at one of the best prices online. I service Real Property sales within the following Metrowest MA cities: Ashland, Bellingham, Douglas, Framingham, Franklin, Grafton, Holliston, Hopkinton, Hopedale, Medway, Mendon, Milford, Millbury, Millville, Northborough, Northbridge, Shrewsbury, Southborough, Sutton, Wayland, Westborough, Whitinsville, Worcester, Upton and Uxbridge MA. Drop-in bathtubs are the most typical design alternative for loos at present because of the myriad ways in which you can personalize them to your style and style.
A black vainness supplies a last contact of sophistication to these popular rest room paint colours. House designs are simple to copy in Realtime Landscaping Architect. An expert patrons' agent knows the perfect methods to make use of throughout the bidding process and when negotiating for the very best value. Its Lake Shore Home received the 2017 City of Kingston Livable City Design Awards, Award of Excellence.
A formal cooking area is completed by a mosaic stone backsplash with skilled chrome steel tools, and a white stone kitchen island with plenty of room for entertaining. Prep your bedroom for optimum style and performance with our bedroom storage picks. Your main bedroom furniture ought to illustrate what you love taking a look at and the issues that inspire you.
Exposed ceiling beams and a wooden-burning fire present the open, lodge-like feel on this kitchen designed by Jeff Murphy The island is weathered wooden and the sconces are aged copper. Impress your clients with detailed 2D and 3D landscape designs using Realtime Landscaping Architect. The U coefficient includes the thermal resistances of both surfaces of walls or flooring, in addition to the thermal resistance of particular person layers and air spaces which may be contained throughout the wall or flooring itself.
Here comes one other exterior design that fits householders who favor green and pure vibe round their house. Whereas hydroponic gardens are significantly much less work than their outdoor counterparts (no weeding!) you can't neglect your vegetation completely and still count on them to thrive, Mr. Lubkeman said. Perks include a $15 welcome credit, 4% money back, 10% off select manufacturers and free shipping on every order (phrases and situations apply).
Other than its contributions to the industry in the form of high-performance designs, the firm also focuses on implementing approaches to Net Zero, LEED-licensed, and Zero-Emission buildings. Deed in lieu varieties, additionally referred to as a deed in lieu of foreclosure, are sometimes used in negotiations with mortgage lenders when the owner is going through foreclosure.
Construction undertaking management can work together with a variety of completely different disciplines within the lifetime of a mission as well, from architecture to engineering to public works to city planning. The owner tenant types provided by USLegalforms are state-particular and adjust to the residential landlord tenant act in every state. Hydroponics is the technique of growing vegetation with out implanting it in soil.


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- A fresh dusting of snow on the ground when I got up this morning.
- Hearing Buddy say "Mama" as he lifts his arms wanting to picked up.
- Reading the little stories Sunbeam writes.
- Opening the door and finding a box filled with A New Home for Lily and seeing the children and LV enjoying reading their copy.
- Cardinals outside the kitchen window.
- Rosebud's seemingly endless supply of enthusiasm when it comes to creating things in the kitchen.
Tuesday, January 15, 2013
I Smile Because.....
10 comments:
Those are some wonderful reasons to be smiling..for sure and for certain. Blessings friendReplyDelete
How they grow! Don't look away or buddy will be as tall as big brother and daddy when you look back!ReplyDelete
What handsome guys you have! No wonder they make you smile. I can't believe how big your sons are both getting. I have two 20-something year old daughters, as well as an almost 16-year old daughter and a 9-year-old son. Children seem to grow up in the blink of an eye.ReplyDelete
What great reasons to smile! And how exciting, to get a box of books you have written delivered. My daughter is an aspiring novelist - I can't wait until that happens for her one day soon.ReplyDelete
Your boys are getting so big - I can't believe how big Buddy is already. My "baby" boy is almost 6'3".
Enjoyed your post! You have good-lookin' fellows. Thanks for sharing!!ReplyDelete
Enjoyed your post! You have good-lookin' fellows. Thanks for sharing!!ReplyDelete
That makes me smile because you can see it in their eyes how happy they are. Those aren't fake smiles. Way way cute.ReplyDelete
Can't wait to buy A Home for Lily for my girls!ReplyDelete
I finally got all the way through your blog - now to stay up to date. I have enjoyed it!ReplyDelete
Great reasons to smile!! You have some handsome men in your life with great smiles themselves!ReplyDelete


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Feyerbend Building
201 East Spruce Street
Jerseyville, IL 62052
Amenities: Full Kitchen, Electric Stove, Microwave, Refrigerator (Visitor Must Bring their Own Ice)
Deposit $150
Deposit is due at the time of reservation for holding, any necessary clean-up and possible damages. It will be returned after rental date if the event was held as scheduled, there is no necessary clean-up and no damages to the property.
City Resident $150/Day
Non Resident $200/Day
Please call the Susnig Center to book a rental at 618-498-2222


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10 Steps to Finding Your Happy Place (and Staying There) is a program to help us develop habits to grow a joyful spirit. Many of us sabotage our happiness by habits that we might not even be aware of. Identifying and changing these habits can build a reservoir of well-being to enhance our happy times and sustain us during challenging times.
Wednesday, April 10, 2013
The More You Give, the More You Have
My bounty is as boundless as the sea,
My love as deep; the more I give to thee,
The more I have, for both are infinite.
~Shakespeare, Romeo and Juliet
Juliet was just a teenager when she proclaimed her love for Romeo, but she was wise beyond her years. She knew the truth about love. True love expands and increases when it is given away, increasing for the giver as well as the receiver.
We sometimes think of love as an exchange. I will love you and you will love me back. A quid pro quo which must be traded in equal quantities or one person is left with less. This kind of love is risky business, with potential for loss and pain. A bad bargain.
But love in its purest form is limitless. Like the loaves and fishes that Jesus blessed, love multiplies to feed the spirits of the hungry until all are sated...with more love left over. There is never not enough.
What is love's secret? Please click here to read the rest of this post at The BridgeMaker.
11 comments:
Wise words. Love your posts. Pam xxReplyDeleteReplies
Love your comments, Pam! Thank you!Delete
Thank you for sharing the link to your post. I left a comment there. Have a wonderful day! :-)ReplyDeleteReplies
Thanks, Tina. I have responded there. I appreciate your comment.Delete
No there is never enough love. It is the most beautiful gift we can give one another. I think back when i was dating my hubby. After a really bad marriage he had a problem iwth trusting love. finally one day i told him. I Love you and their is nothing you can do anything about it. It does not matter whether you want to love me back. The love that I have for you is mine to give and it is up to you if you want to receive it or not. I walked away, he thought about it and the rest is history.ReplyDeleteReplies
Debbie, Great story! Thanks for sharing it. I can just imagine you saying that--ha! Thanks for your comment.Delete
Thank you for sharing your inspiration, wisdom and love everywhere you go!
Alex, Thank you so much for inviting me to appear on your wonderful blog!Delete
Wow, I loved this one; it was a powerful post. I loved the sentence; "love in the purest form is limitless.ReplyDelete
Blessings and hugs for this one!Replies
LeAnn, Thank you so much for the kind words! Blessings back to you!Delete
Thanks for sharing your quotes over at Alex's blog Galen. Why is romantic love so much powerful than other loves? If we could love all and everything with the same intensity of Romeo and Juliet :)ReplyDelete
Your comment is valuable and valued. Comment moderation is enabled to block spam, so please excuse the brief delay until your comment appears on the blog.


text: FinanceProcurement Improve your business: PAY ON TIME! Paying on time, something that seems to get harder and harder and more and more neglected. How serious do you take paying on time? Yesterday an article was published by NOS, a Dutch news site, saying that large organizations do not pay their small business and freelance vendors on time. Which causes financial uncertainty for these smaller organizations. Small business organizations are pleading for a 30-day payment term instead of the 60-day term which is upheld in The Netherlands. For, after years of decline, the number of days before an invoice is paid has increased. On average, it now takes 41.5 days. In 2017 it took 40.3 days. Laura Du Ry DPOFinanceP2PPay on time 2019-04-24


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Yes, I'm older than dirt. And yes, this is my sweet little Koda who is always with me if he can manage it.
I have a small cross stitch design business as I feed my cross stitch hobby.
Hope you'll join us on my blog journey. "Ramblings" subject matter will be just that – come travel this path with me.
Phil 4:13
"I can do all things through Christ who strengthens me."
Tag Archives: old friends
What a Special Gift
I shared a post in February about visiting old friends (Pearl & Wallace) and this post is about them – more or less. A couple of months later I received a large box in the mail from them. What in the … Continue reading
Posted in At Home, Blessed, Remembering Tagged gift, home, old friends 6 Comments


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Historical Tours Accommodation Eighth Frontier War The Nine Frontier Wars
Tours & Packages Gallery Books & References About Us Contact Us Maps
The military fort POST RETIEF is the most northerly fort built and
garrisoned by the British to serve as a barrier to Xhosa infiltration into
the Cape Colony and as protection for the farmers of the remote
Designed by The Royal Engineers and built by Pieter Retief later
famous as Voortrekker Leader the stone fort is a reminder of the
Savage War that burst into the area at the close of 1850.
The fort is currently under restoration by Dr. Carl Kritzinger, historian
and descendant of the early Frontier Pioneers. Carl has passionately
archived and researched the rich history of the area since childhood.
Carl sold his Johannesburg Veterinary Clinic in return home to Waylands
ten years ago and has a busy veterinary clinic in Fort Beaufort and a herd
of indigenous Nguni Cattle. Together with his partner Pieter van der
Westhuizen he has sensitively restored the historic buildings of Waylands with great
passion and attention to detail.
The 1100 hectare private estate, site of the Siege of Hartebeestfontein
1851, is located on the Northern Slopes of the majestic Katberg Mountain
and is a National Heritage Site.
It is in the vicinity of Waylands that Elizabeth Salt - heroine of the
Battle of Grahamstown 1819 is reputed to have hidden her fortune.
Its whereabouts remain a mystery.
Thomas Baines famous South African artist lived in the area as official
portrait painter of the 8th Frontier War. The family feature often in his
journal and various of his most famous works pertain to the area and the
The Art Nouveau Manor House built in 1927 by James Edwards
WAYLANDS COUNTRY HOUSE echoes colonial grace at its best and is furnished
with the owners collection of memorabilia and art.
With close ancestral links to the conflict Carl will captivate your imagination and
give you the opportunity to relive the legend.
Historical Tours Accommodation Eighth Frontier War The Nine Frontier Wars
Tours & Packages Gallery Books & References About Us Contact Us Map


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Glenn Kessler of the WaPo looks at the recent (and very suspect) denouement in the Yema leak case and leaps to the absurd and self-refuting conclusion that a lot of Republican critics owe Barck Obama and his 2012 reelection team a big apology.
His gist: retired FBI bomb expert Donald Satchleben leaked to the AP that the FBI was studying a new, enhanced Al Qaeda uinderwear bomb picked up as part of a reent plot. At the Administration's request the AP sat on this for a few days, then broke their story - White House reassurances notwithstanding, Al Qaeda had been hatching a plot to mark the anniversary of Bin Laden's death. Liar, liar, pants on fire? Not so fast! The Administration promptly pushed back - let's cut to Kessler's explanation, in which he quotes fellow WaPo reporter Walter Pincus:
In an effort to counter the misimpression caused by the story, John Brennan, then-White House counterterrorism chief, along with others, held backgrounders with analysts and reporters and disclosed immediately after the AP story appeared that there was no threat to the United States — in effect, no real "al-Qaeda plot" because the whole affair was run by the CIA and was thus under U.S. control.
The CIA use of a Saudi agent to get a bomb device by convincing the terrorists he would blow up an America-bound aircraft was a riveting story. But there were other goals for the operation, including finding the location in Yemen of the bomb builder.
And in the course of explaining that 'no plots against the US' meant 'no plots we didn't know about', Brennan spilled enough beans that reporters picked up on the Saudi and British involvement. Ooops.
And from all this Kessler infers that Republican critics alleged that the first leak, which suggested that the White House was lying, came from the White House. Really? And now we know that the original leak didn't come from there, so they should all apologize.
Let's not hold our breath. Kessler explains the role of John Brennan in the overly expansive briefing and quotes from his later confirmation hearing:
This became an issue in Brennan's confirmation hearing to be CIA director, and so he provided written answers for the record about the briefing (starting on page 18.) Asked if he would have changed his briefing, Brennan said no and added: "Once someone leaked information about interdiction of the IED and that the IED was actually in our possession, it was imperative to inform the American people consistent with Government policy that there was never any danger to the American people associated with this al-Qaeda plot."
Imperative? Said who? Actually, that was asked and answered in the hearing, but Kessler left this bit out:
Q: In retrospect, if you could go back and change what you said in that interview would you, and If so, how? Why was it insufficient to simply say that the U.S. government successfully interdicted or disrupted an al Qaeda plot?
A: No. Once someone leaked information about interdiction of the IED and that the IED was actually in our possession, it was imperative to inform the American people consistent with Government policy that there was never any danger to the American people associated with this al Qa'ida plot.
Q: Who instructed you to conduct the call and how were the participants selected?
A: The White House press office asked me to conduct the call to ensure the American people appropriately understood the current threat environment. The White House press office selected the participants.
They pushed back too hard in the course of sparing themselves a bit of awkwardness during the campaign. Like the critics said.


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These amazingly intricate robot models come to us courtesy of Henry's Robots.
Henry has been amassing a virtual army of miniature metal mecha in his laboratory over the last few years. Each one is lovingly handmade by Henry, and I only wish I could have one sitting on my desktop right now. Be sure to check out the album below to see some of the best models from his collection.
And if you want to see more, head on over to Henry's website for more pics. And if you happen to read Chinese, you might actually know what he's talking about.
[via Mobile01]


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Rodney Hood three gives Jazz lead for first time — in entire series
The Golden State Warriors were not just up 2-0, they had led this series for 1:58:58 seconds in a row. Almost 119 minutes, a complete two-and-a-half games.
But Utah got a phenomenal first half performance from Rudy Gobert on both ends — his passing was impressive — and that put the Jazz on the run to end the first half.
Then it happened: With 1:01 left in the first half Rodney Hood drained this wide-open corner three and the Jazz had the lead.
Rodney Hood drills the corner three to give Utah its first lead of the series!— NBA.com (@NBAcom) May 7, 2017
Jazz lead Warriors 50-49 at halftime#TakeNote #NBAPlayoffs pic.twitter.com/OFxZRvsDPs
It only lasted a few seconds before Kevin Durant hit a shot to put the Warriors back in front (he had 22 in the first half), but later Gobert hit a couple free throws to give the Jazz a 50-49 lead at the half.
The question is can Utah sustain that for another 24 minutes.


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PEN Out Loud: Writing the Future
Monday, October 22, 2018 | 7:00 pm – 8:30 pmMore Information
Join PEN America Today
Defend free expression, support persecuted writers, and promote literary culture.
Get updates on events, literary awards, free expression issues, and global news.
Support for the freedom to read with exclusive designs by Todd Parr, Mike Curato, Art Spiegelman, and more!
Are you an artist at risk or know someone who is?


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In the short days he woke in the dark at exactly half-past four. He started a fire in the bunkhouse stove, and set coffee on."
–Alan LeMay (The Searchers)
Howdy-do, Pard. Glad to have yuh this mornin', yur cup is ready an' I'll be fillin' it shortly. Say, that kinda reminds me of how the Lord wants us to be–we need to have our cup ready to be filled. Methinks that far too often the Lord want to pour us full of the Spirit, but we don't have our cup ready, or can't find it, or maybe stored it away somewhere. We need to have it ready so it can be poured full.
Ahhh, shore does taste mighty good this mornin'. 'Course it taste good all the time, but the cup of coffee in yur hand is the one that tastes the best. I was readin' what ol' LeMay wrote, and it made me think back to my workin' days when I was up at 4:30 puttin' the coffee on, any gettin' my cup ready. My mercy, hard for this ol' fence post to get up at 6:00 any more. Ah, where are the days of youth? Spent too quickly; time has stolen them. But yuh know what? I'm goin' to enjoy today, an' another cup of coffee.
Speakin' of time; another month has sped by. Where did the days and hours go? Do yuh find Him gettin' sweeter as the days go by? This quarantine thing, if'n yuh took advantage of it was a time to be spendin' with the Lord. As much as I enjoy sharin' coffee with yuh every Saturday, I enjoy the days of sittin' with the Lord drinkin' my coffee with Him.
What? Cup's empty; pot's empty. Well, Pard, we shore guzzled that down fast this mornin'. I'll keep a cup here, ready for yuh when yuh stop by. Yuh best be carryin' one in yur gear; I always keep one in the steel mount. Never know when I might need to stop along the trail–always best to be ready. Say, an' as important as that cup is, maybe more important is the fact that yuh need to check yur cinch before mountin'.
Coffee Percs
In the short days he woke in the dark at exactly half-past four. He started a fire in the bunkhouse stove, and set coffee on."


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Good project governance - a strategy for success
There was a time when many in the higher echelons of the corporate world saw project management as a way of running individual schemes, best left to project managers to get on with while the board concentrated on running the organisation.
Times have changed. Today the perceived wisdom is that project management is integral to driving organisations forward and ensuring they operate more effectively and efficiently. It is accepted as so important that many boards now include a director with responsibility for this essential element.
So just as good corporate governance is necessary to conduct and run the business competently and with integrity, it makes total sense to do the same with projects as part and parcel of the overall strategy.
A leading authority on the subject is the Association for Project Management (APM), the largest professional body of its kind in Europe. In its highly regarded publication Directing Change – a guide to governance of project management, now in its second edition, APM identifies four main components:
- Portfolio direction
- Project sponsorship
- Project management capability
- Disclosure and reporting.
The guide states: "Effective governance of project management ensures that an organisation's project portfolio is aligned to business objectives, is delivered efficiently and is sustainable."
Simply put, governance of project management, is about doing the right projects, not necessarily doing all projects right. Consider the potential results of projects that fail or should never have been started and its value is clear. Its very nature also supports the way that the board and other major stakeholders exchange timely, relevant and reliable information.
The approach to delivering the London 2012 Olympic Games showed governance of project management in action. With project management rigour at the heart of the strategy, it demonstrated how focusing at the outset on the details designed to test the suitability of people, processes and structures led to success at every level.
There are no hard and fast rules to governance of project management, but there is definitely best practice. The guide from APM is aimed at those at board level and identifies 13 principles which, when applied, could help to avoid common causes of project failure and the subsequent consequences on an organisation's bottom line, reputation and market confidence.
Directing Change is available to buy
As originally seen in the 'Business Reporter' published by Lyonsdown on Sunday 9th November 2014 in the Sunday Telegraph.


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Demeter Financial Services
Financial Services
Monday through Friday 8:30 am to 5 p.m.
About Us
Helping you understand how to make money work for you. By saving a little when you're young, you can have much more comfortable mid-life and retirement phases. If you haven't saved, what are your options?


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My shape: center-height, forward-facing, very close-set teardrop with tall shallow roots but max lower projection, very wide roots with lots of side fullness, and very firm tissue that pushes push-ups right back
This review is for the black/nude colorway I got from a reddit user who thought she had the Panache Idina Balconnet Bra (6961) , one I've been wanting to try for ages. This is an ok runner-up, though! I love the gores on plunges, even though they're never my shape, and this one is just as wonderful as always. Is there a bra out there that's shaped like a Freya/Fauve half-cup but has a gore ... like a plunge? So far, that answer is no, so I try regular plunges instead! This one is quite tall for a plunge, but it doesn't feel like it when it's on.
The cups are very soft and smooth inside, which is great because I inevitably have problems with inside-cup seams scratching, and the foam lining is about as stiff as padded bras but without the boost in volume, so they're supportive and good for discretion and minimizing stair-bounce. Like most plunges, they are shallow-ish at the wire, causing the bra to ride down fairly quickly while as it tries to find the place with the most depth to accommodate my immediate projection. They also close more quickly on top than other plunges I've tried recently (or perhaps the band is a better size and keeps them more firmly against my chest, making it more obvious), so I get some serious quad boob that doesn't entirely dissipate after swooping and scooping. A 28G might solve all of this, though.
The wires are just on the firm side of the flexy-hard spectrum, which is nice for me. They are too narrow (again, might be solved by a 28G) and the wires are the wrong shape curve (typical, never had one that was right for my Nike Swoosh, not really a problem), but the sides of the cup are tall enough that my feisty side boob is mostly contained within them. The strangest thing, I think, is that there is almost a cm of space in the wire channel, but I can't push the wires out into it, so it's possibly sewn shut? Unless the previous owner did this to adjust her comfort, I've not seen it done by the manufacturer, and this still has the tags on it.
Ladies with long torsos or low-set breasts might need to watch out for the straps: I have them as long as they go, and they are just comfortable. Short ladies may like them, though, because they are fully adjustable. The band has 3 sets of 2 hooks, and is fairly snug on the loosest. It also has fairly tall wings, considering how far it tapers.
There is one spot that's bugging me, and it's where the "Panache" metal label is sewn on (not the tag, kind of on the side; see photos). Something is caught in the threads holding it on and it's scratching me. I'd probably just cut it off if I were keeping it.
Listing this one right away so I can start looking for a 28G!
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black/nude colorway
Updated on Jul 28, 2017 Flag this


text: There's nothing quite like Koyaanisqatsi. Some six or seven years in the making, the mid-1980s arthouse favorite was a genuine screen spectacle that gave audiences a taste of the avant-garde and elevated Philip Glass to the status of popular musician. It's the 1970s brainchild of Godfrey Reggio, a progressive activist and community organizer who lived in New Mexico and took a dim view of industrialization in general and the information revolution in particular. Accordingly, it exalts the natural landscape, recoils from the computer-chip gridwork of the modern city, and wallows piteously in the human condition.


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A black leather purse with studs is rock legend worthy while a brown suede one will appeal to the boho hippy chick. Also look for fringes on shoes and boots.
These wicked shoes are not for schoolgirls anymore. Pair them with wide legged trousers or a sexy pencil skirt.
Glitter has moved from pm to am this fall. Choose from lace, beading, sequins, rhinestones, glitter, and jewels on shoes, purses,
Still going strong it appears that colour blocking is here to stay walking down the runway on purses and shoes.
This print is as popular this fall as leopard used to be showing up on purses, gloves, shoes, and boots. To be fashion foward, wear it in an unexpected colour.
They're baaack and taking fall by storm. Choose from dangerous lace up leather, python, polka dots, lace, faux fur, and the list goes on. While black elbow length seems to be popular, as always there is pretty much every length and colour available.
From delicate to bold, feathers to chains, long earrings are everywhere this fall. To showcase these works of art, keep the rest of your outfit simple with no other accessories.
Don't worry about what your Grandmother has told you - it's okay to wear white after Labour Day! This season designers are making sure you try it out by creating many different styles of purses, shoes, and boots to choose from.
Once again it can be fake! Fur is showing up on purses, shoes, collars, necklaces, belts, hats and more.
I LOVE hats so much and hope more people start wearing them. This fall you can chose from millitary, pillbox, fedora, wide brimmed, beret, and pretty much every other style you can think of. Seen over and over again - any type of hat trimmed with fur.
Zeke the fashion conscious canine will be back tomorrow to let you know of a new style faux paw. I'll see you Monday. Have a good weekend!


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text:
Date Joined: January 14, 2018
Last Online: May 2, 2023
Birthday: October 18
Country: United States
I am a wife and mom of three kids, 23,19 &16. My son has autism and does very well. My kids are amazing and I'm blessed to be their momma. I'm a huge Minnie Mouse fan (red hairbow). ATC are my passion! I have made over 1300 to date (06-07-20) I have participated in countless trades on Facebook and the cards in my traded collection are from all over the world! I also enjoy teaching ATC classes in my area and I am trying to build interest so I can host a swap in my home town. If you would like to see examples of my work just ask and I would be glad to email you.
My favorite craft is Artist Trading Cards! I do all kinds hd, hp, mixed media etc. I also enjoy collecting napkins and I used them for ATC as well. I am an admin for a rock painting group here in my home town, London Ky Rocks #LKYRKS on FB
I love all music!!! My main music choice is Pop but I have also been known to jam out to some Old school rock and a little country here and there. Haha
I don't really watch much television I'm too busy making crafts! Haha even tho I don't watch tv my tv is usually on either The Walking Dead (husbands favorite show) or Bobs Burgers (14 year old's fav show)
Here are some of my likes. I saw this on another profile and I thought it was super cute so I wanted one for myself. 😊
A- ATC, autumn, apples, asparagus, Ariel, Annie (The Musical), America! American Eagle
B- Baths, Bobs Burgers (Tv Show) Bath & Bodyworks, Birthdays, Brownies, biscuits, broccoli, 🐻 bears, banana nut bread
C- cookies, Crocs, cake, Coffee, cupcakes, Cacti 🌵 Cookie Monster
D- DISNEY, doughnuts, Daisies, dreams, doilies, drinks 🍸
E- earrings, eating! Easter, Eagles (music group)
F- Food, Friends, French Fries, Facebook, French Toast, fall, Forrest Gump, friendship bracelets
G- Gold, Glitter! Going places, Gingerbread, green beans, grapes 🍇
H- Hubby, Home, Halloween, Harvest time, Honeynut Cheerios,
I- Icecream! Irises, iridescent, imagination, inch worms 🐛
J- Jam, jewelry, Jesus, Jokes, junk food
K- Kawaii!! Kentucky! Kids, Krispy Kreme, kisses from my husband
L- Love, lunch, laughter, Lowes
M- MINNIE MOUSE, Muffins, Margaritas Mason Jars
N- Nutella, nuts, November, Narwhals, Noodles, Ninjas
O- October, otters, oatmeal, octopi 🐙 The Office
P- Polka Dots, PARIS ( I have an Eiffel Tower tattoo on my ankle!) postcards, potatoes, porcupines, perfume, pretty things
Q- quiet time, Queen of Hearts (Alice in Wonderland)
R- RED! rainbows, rum, Roses, rhinestones, Rummy, roller skates!
S- succulents, sweets, Stamps, sloths, Starbucks
T- Turtles, tomatoes, Twix, treasures, tequila, tulips, sweet tea, teacups
U- Umbrellas, Unicorns,
V- Vacation! Vegetables
W- Watermelon, Walmart, Winnie the Pooh, whales, Water parks,
X- X-rays (I think they're neat! Ha)
Y- yawning, yellow! My teacup YORKIE
Z- Zebras, Zoos, Zulily
Mean people! If your nice to me I'm nice to you.
Racist people. Can't we just all get along?
Drama, cigarettes and smoke, gory art, foam stickers, loose glitter dumped in an envelope ready to go everywhere when the recipient opens their happy mail, planner stickers, super bulky ATC that barely fits in the card holder.
I have a bleach phobia. The smell, the way it ruins clothes by eating away at the fabric. Aghh!
I know how to Clog dance! I have clogged most of my life and have danced at several amusement parks.
I hafta drink milk from a glass glass. Not a plastic cup but I can drink it from a carton. Weird I know. Lol
I have an older brother and a younger sister.
I have a Minnie Mouse tattoo on my foot. I also have a tattoo on my wrist that you can only see under a black light.
Bugs that fly freak me out!!
I have been to Europe. We went to France, Germany and the Chech Republic. I went to Paris!
I swam with dolphins on my honeymoon!
Going to New York City is #1 on my bucket list.
I was the school mascot (horse) for my daughters school for like 4 years.
|Type 1
|Type 2
|Type 3
Hi, I see you like turtles, so I was wondering if you'd be interested in joining my Scales 'n' Tails group? We currently have a turtle ATC swap which sounds perfect for you!
love the dino's!!!!
Thank you, ericabella!! I'm super excited to be here! 😊
Hi Laura! Welcome to Swap Bot.


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Classic Mammoth Charm Clog
Classic Mammoth Charm Clog
Item #207409
The Classic Mammoth Luxe Charm Clog features a cozy faux-fur lining and collars and 4 included Jibbitz™ charms. Wear them inside like slippers, or venture outside to turn those errands into a walk on the wild side. The Croslite™ foam body is light and won't mind getting a little wet, so enjoy Crocs comfort all season in the most luxurious Mammoth yet. Makes a great gift!
Classic Mammoth Charm Clog Details:
- Includes 4 Jibbitz™ charms per pair
- Warm, fluffy lining and collar
- Croslite™ foam construction for comfort and cushioning
- Customizable with Jibbitz™ charms
- Triple Crocs Comfort™: Memory foam pillows on top of a foam footbed, all riding on a Croslite™ foam outsole.


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Think Tank Logistics
A revolutionary fuel-saving and carbon-reducing initiative
Think Tank Logistics has created a combination Internet of Things platform and financial solution that will drastically reduce the 37.5 billion gallons of fuel consumed by, and the 5.4 percent of US greenhouse emissions produced by, the nation's 3.4 million Class 8 trucks.
Think Tank combines the pinpoint accuracy of IoT sensors and data collection with a unique package of upgrades capable of improving fuel efficiency by 25% or more, and capable of being retrofitted onto nearly any truck on the road.
And the platform pays for itself. It's the inevitable path forward for every Class 8 truck on the road.
Class 8 trucks are responsible for:
As part of a much larger overall effort to curb carbon emissions–perhaps the most daunting task our civilization has ever faced–the US government will require all new trucks to be capable of 40 percent better gas mileage than today's requirements mandate.
But that only applies to new trucks.
What about the other 3.4 million trucks on the road today?
At least 7 technologies, can, when combined, improve their fuel efficiency by 25% or more, but the costs of these technology upgrades are simply too high for most truck owners.
You see, 97 percent of America's trucking companies have fewer than 20 trucks, 90 percent have fewer than six!
How can these companies be expected to pay out of pocket to install the necessary upgrades? The trucking industry is a notoriously low-margin business.
Through our cutting-edge technological platform and innovative financing solution,Think Tank's platform would save 11.25 billion gallons of fuel annually, and cut greenhouse gases by 1.7 percent, if every truck bought in
And they will, because the platform not only pays for itself – it actually puts money in the pockets of truck owners, too.
The patent-pending IoT platform and financial model can be applied to every truck on the road, saving fuel and carbon in five steps:
Our Retrofit Package isn't a hard sell. It saves money, increases fuel efficiency, and cuts CO2 emissions.
It's not rocket science.
The technological platform is only half of Think Tank's game-changing new platform. To be truly effective, it has to be installed. And to be installed, it has to be cost-effective.
That's why the package requires only a refundable deposit to cover baseline testing. After that, our innovative financing platform kicks in.
Here's how it works:
Increase fuel efficiency by 25 percent or more
Reduce Class 8 truck freight emissions by 25 percent or more
Reduce total US Greenhouse Gas emissions by 1.7 percent
Reduce insurance risks and rates
In addition to immediate fuel and carbon savings, truck owners can identify, reward and keep their best drivers through our Eco-Driving platform, which automatically monitors driver behavior and analyzes risk factors through a unique algorithm, reporting that information back to the owner.
So add reduced insurance rates and better drivers to the savings pile, too.
Green Freight Index
To incentivize eco-conscious shipping, Think Tank will make available a Green Freight Index of all retrofitted trucks, allowing carbon-conscious shippers to award contracts based on carbon and fuel output.
So add more business to the benefits pile too!
The trucking industry is about to get a massive upgrade.
Our team has previously developed multiple sophisticated geospatial platforms for both public infrastructure management and for environmental monitoring. We've identified the initial sensors to be used, and our programming team is ready to build the platform we've designed.
We've also prepared for the possibility of building on top of an existing telematics platform (talks are underway with several such platforms).
The ball is rolling.
Ready to hear what's next for Think Tank? Click the "business plan" tab at the top of this page to find out what's in store for the trucking revolution!
Clark has been a leader in software and online businesses since 1989, founding or co-founding several companies in the geospatial, health, and educational areas. He has demonstrated in each of these multiple business sectors a natural ability to clearly identify and articulate needed emerging business process unique to that sector, and then to successfully mirror the needed business process in the resultant software designs. Two of his companies became very successful and were bought out. For the last seven years Clark has worked with cloud based geospatial software in several innovative ways – automating infrastructure management for cities, automating and monitoring real time environmental threats, and merging business intelligence data with infrastructure data.
Heather is a strategy and global business operations leader with experience in law, finance, data analytics, technology, and workforce management.
Heather is currently serving as a Director at Target Corporation within the Financial and Retail Services Division. During her nine years at Target, Heather has influenced transportation logistics, international product sourcing, and supply chain management. Heather also created and deployed geospatial and analytics tools that improved profitability through data driven decision making. Finally, Heather was instrumental in building Target's Energy Tax Incentive Program including developing public-private partnerships and leveraging energy tax incentives to make sustainability initiatives financially viable.
Strategic Advisors
Jean Hoffman is a highly capable and results oriented sales professional with 30 years of extensive experience at PepsiCo in high level sales, contract negotiations, financial management, product distribution and bottling operations. A strong leader with the ability to build, train, mentor and motivate successful sales teams, Jean is especially passionate about female retention and team diversity. She is a current Board Member for the Hospitality Minnesota Education Foundation and a member of the Minnesota Restaurant Association.
Walker Evans currently serves as National Account Manager at Landstar. Landstar System, Inc. is a worldwide asset-light provider of integrated transportation management solutions delivering safe, specialized transportation services to a broad range of customers utilizing a network of agents, third-party capacity owners and employees. Prior to joining Landstar, Walker spent 10 years as a banking and finance executive.
Kiera Fernandez currently serves as Director of Human Resources at Target Corporation and has 15 years of experience in sales and human resources management. She has successfully led large-scale organization design initiatives and supported team development across multiple geographic locations. She also has extensive expertise in talent assessment, compensation, strategic workforce initiatives, and employee and labor relations.
Aaron Langevin currently serves as Associate Director of Enterprise Sourcing and Procurement at UnitedHealth Group. Aaron has extensive experience in negotiations, contract management, and service agreements. Prior to joining UnitedHealth Group, Aaron was an executive at Hyrian and Aerotek.
Think Tank combines the pinpoint accuracy of IoT sensors and data collection with a unique package of upgrades capable of improving fuel efficiency by 25% or more, and capable of being retrofitted onto nearly any truck on the road
See Campaign: http://www.fundable.com/think-tank-logistics
Contact Information:
Clark Easter – CEO & Co-Founder
Fundable, English, Crowdfunding, United States, Equity, Civil Society
The post Think Tank Logistics – A revolutionary fuel-saving and carbon-reducing initiative for the nation's 3.4 million Class 8 trucks appeared first on iCrowdNewswire.
Source: icnw


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