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Improvements in pay and conditions won in the public health system will not automatically flow through to nurses in private hospitals. Improvements will not come without pressure.
Our private hospitals pay campaign has stepped up another gear with talks underway with the larger employers and private hospital nurses in facilities across the state.
Ramsay, Healthscope and Healthe – the three biggest players in the NSW private hospital sector – have indicated their willingness to negotiate union collective agreements.
This constructive position is to be welcomed by private hospital nurses while we are still negotiating in an industrial relations environment defined by WorkChoices.
There are still recalcitrant employers ideologically opposed to the involvement of a union representing nurses in private hospitals. They provide us with a challenge.
It is not automatic that improvements in pay and conditions won in the public health system will flow through to nurses in private hospitals. History tells us that improvements do not come without pressure. If we are to achieve an outcome of parity in pay and conditions with public health system nurses we will need the involvement of nurses in private hospitals in the campaign. It is vital that as many nurses as possible participate. You don't have to do a lot. Just sharing information with your colleagues or talking with them about the agreement or getting someone to join the union can help enormously.
We recognise that many private hospital employers provide working environments which are attractive and flexible and enable many nurses to find a balance between work and family life. But these conditions should not be conferred by whim or favour.
Private hospital nurses are entitled to the same conditions and rights as nurses in the public sector, legally enshrined in an agreement and backed up with the security and vigilance of a union representing nurses' interests.
Welcome to the new Health Minister
We welcome the new State Minister for Health John Della Bosca into what is undoubtedly a challenging portfolio. Clearly, the problems in our public health system have had a devastating impact on more than one politician who have taken on the position.
NSW needs a strong advocate within the Government who fights for adequate health funding so the people of NSW get the effective and responsive public health system they deserve.
We hope that John Della Bosca will embrace this role and effectively represent the health portfolio within the government.
He will need to be running from day one. Michael Costa's departure from the Treasury came with the revelation that there is a $300 million blow out in the NSW Health budget.
This dire situation has already started to play out on the ground with one public hospital –- Royal Hospital for Women – forced to 'bring staffing in line with budget' and reduce overtime and the use of casuals. This can only lead to an increase in workloads.
Nurses and midwives across the state will need to be vigilant about the impact of budget savings on workloads and be prepared to take action.
Sponsorship guidelines
Our recent annual conference committed to expand our program for building community links through sponsorship of not-for-profit organisations.
The NSWNA Council has agreed on a set of criteria to be met by applicants, which is published in this issue of The Lamp.
A recent report in a Sunday paper said the final budget for the program will be $100,000. This is incorrect and I expect that the final amount will be significantly less than this. (See page 7 for details of the Annual Conference resolution and the new criteria).
You'll automatically become a member of the Australian Nursing and Midwifery Federation


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I posted this in write_away and thought I'd share it here:
I had a thought about combatting writer's block the other day. It sort of dovetailed with my thoughts regarding the story I'm writing.
The thought was, Make your hero's mission your mission.
If your hero has to save at all costs a princess who is locked up in a tower, you the writer must also burn with the need to save that princess. Not with the desire to, but with the need to.
If you understand why you have to do it, chances are, you'll understand why your hero has to do it, and you'll find ways to make the plot work.
It's a reasonable theory, anyway. Anyone else have ideas about this?

subset: commoncrawl


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Everyone knows that nursing homes and caring for the elderly is a very important task that should be taken care of with the utmost detail. However, most of us fail to plan for this care until a problem presents itself. Reviewing an elder care planning checklist can help you decide if you need to seek out an elder law attorney to help you through the processes. Continue reading "Elder Care Planning: Talking to Your Loved Ones and Finding The Help You Need"
Tag: Elder Law
Elder Law: Asset Protection Before Long-Term Care
Most people will start a 401k when they start working. Some people will wait 10 or so years to do so (Hi!), but for the most part, at some point, people begin to plan for retirement because that's the dream. You work the majority of your life with the idea that you spend the latter half of it enjoying the finer things in life like family, friends, traveling, etc. An afternoon with an elder law attorney can help preserve all that you have worked for.
Sometimes, though, things that aren't in your life plan happen and cause a ripple in the preparations you have made. In almost an instant, everything you have meticulously planned and saved could go up in smoke. You can be left with nothing and worse, be left with nothing to leave. Continue reading "Elder Law: Asset Protection Before Long-Term Care"


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jenny atout ahlzÉn, cfa
I'm a cfa charterholder...
And a Principal at Silicon Badia, one of the leading alternative asset managers in the Arab region with a mission to invest in companies that are developing the next generation of tech-enabled ventures in the Middle East.
Jenny joined Silicon Badia in 2014 and is overseeing the existing portfolio of the Accelerator Technology Fund as well as implementing the investment aspect of Beyond Capital, the USAID's MENA Investment Initiative in partnership with Endeavor Jordan, and is also participating in venture capital investing activities with a focus on the financial technology sector. Jenny has a diverse experience exceeding 10 years within the finance industry and was previously the Head of Asset Management at Awraq Investments, the investment arm of Cairo Amman Bank, covering regional and international equity and fixed income markets, managing mutual funds, discretionary bond portfolios and structured products.
Prior to relocating to Jordan, Jenny worked at the Icelandic Investment Bank Kaupthing, Sweden, as an equity analyst covering Small Caps. She obtained her Master's Degree from the ICMA Centre, in International Securities and Investment Banking and her Bachelor's Degree in Economics and Finance from University of York, United Kingdom. Jenny is a Chartered Financial Analyst, CFA Charterholder, and is a board member of the CFA Society Jordan.


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Paul was an incredible follower and wrote more books than any other disciple/apostle in the entire New Testament. His words are so powerful and the truism of how "hard life can get" even when you do the best you can to follow God really is something worth studying his writings.
This unique follower of Jesus, Paul shared that he was the "least among the apostles" and later in life called himself, "chief of sinners". What was Paul trying to say to all of us. The older you get, the harder it gets to follow God, the more you realize how much you need Jesus, His mercy and His love. No, its not about how life gets easier, but about the more we find out, the more we know, the more we learn when we are surrendered, the more we recognize how important our relationship with Jesus really is.
Our senior pastor when I am in Oklahoma City, Craig Groeschel from Lifechurch is preaching on the Christian Athiest this month. This is a book he wrote several years ago about a real lifestyle of faith. His message on Sunday pointedly talked about how we can know someone, but not really KNOW them. The question for each of us is do we really KNOW Him or just know about Him? I believe if we know and have a relationship with God, talk to God on a regular basis, reach out to Him with our adoration, our petitions and our worship we will live differently.
Paul was tormented wasn't he? He would say, "Why do I do the things I do and not do the things I should do?" Yet, he had gone through a major transformation when he gave his life to God on the Road to Damascus. Because Paul dealt in REALITY. He was real. This week, Coach Hoffman at Mercer shared with me that the WORD for the basketball season next year is REAL. I do believe its time to be real.
Each and every day we can live in truth, in Veritas or we can live life under a mask, not dealing with reality. Christ said, "I am the way, the truth and the life and no man comes to the Father but by me". Our faith in Christ is more than a religion, its a way to live. Jesus didn't say, "Follow Christians", instead He said, "Follow me!" So do we follow Him the way we should? Only you can answer this question.
A final note about THE HARDER IT GETS, I can honestly say THE MORE LOVE YOU WILL FIND IN HIM! I can actually call Jesus MY HEALER because He healed me. Its true, love is the most powerful of all weapons and He loved you and I in a way we never deserved. The more we can understand His love, the more we can lean into the words of truth found in the scripture.
We are happy to report some really wonderful miracles have been happening in the lives of many people our entire team has been praying for and I just want to say "thank you" to all those in the V300 who have been so faithful to undergird each and every prayer request. Don't stop, this is why being a part of an ONLINE prayer team is so important. Thank you V300 churches for being faithful, praying for us every week and being so faithful to remember us all in prayer.
This is an important week in Los Angeles so please remember our team in prayer. We truly believe in the coming months we hope to have some exciting film news. Thank you again for your continued prayers. Please remember to keep our V300 churches in your prayer requests. Our entire V team is praying for you and hope you enjoy our character study online!
In Veritas,


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Pat O'Hara, a three-time Arena Bowl champion, has been hired as the head coach of the L.A. Avengers.
O'Hara signed a three-year deal with an option for a fourth season and becomes the fourth head coach in team history. He succeeds Ed Hodgkiss, who was fired June 24 after seven seasons.
O'Hara, a former USC and Santa Monica High quarterback, served three seasons as the Tampa Bay Storm's offensive coordinator.
O'Hara played 14 seasons of professional football, including two in the NFL. In 11 seasons as an AFL quarterback, O'Hara was 988-for-1,752 for 13,413 yards and 231 touchdowns and played in five Arena Bowls.
ETC.: Arena Football League commissioner David Baker surprisingly resigned, two days before the ArenaBowl. Baker ended his 12 years on the job. Under Baker's leadership, the AFL has become a profitable league.


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Tuesday, June 21, 2011
Lily's 5th Birthday!!!
I can't believe Lily is already 5, although she acts like she's 15. She is the cutest thing ever with the biggest heart in the whole world. I just love her so much! Happy 5th b-day Lil's.
Posted by Heather Tullis Photography at 11:15 AM
Labels: Personal Work
1 comments:
- Becca said...
thank you auntie heather...for always taking such beautiful photos of my kids. so glad you could be there for the magic! :)
- June 23, 2011 at 11:03 PM
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Regional T20 cricket champions Trinidad and Tobago crashed out of the Champions League in South Africa today without even getting the opportunity to take the field in the group competition.
Forced to qualify for the group stage in the lop-sided tournament that favours teams from India, South Africa and Australia, Trinidad and Tobago were beaten by English County Yorkshire by six wickets at Centurion Park.
It was a bitter pill for the Trinbagonians who, after a meaningless second qualifier tomorrow, must return to the Caribbean while Indian Premier League teams Chennai Super Kings, Mumbai Indians and Delhi Daredevils that won no domestic titles this year, have gained automatic qualification for the main tournament. The Perth Scorchers out of Australia also gained automatic entry into the group stage despite not winning their domestic T20 competition. The Lions of South Africa are also into the main draw despite not winning their domestic competition.
The twin-island republic's speedy exit from South Africa comes in the wake of developments that saw them almost not catch the plane to Africa in the first place. The five Trinidadian players on the West Indies team at the just concluded ICC World T20 in Sri Lanka had asked their union, WIPA, to demand more money from their domestic board to make the South Africa trip.
The players demanded that the TTCB give them a share of the transfer fee they got for Indian Premier League players Sunil Narine, Dwayne Bravo and Keiron Pollard. The TTCB got $150,000 for each of the three players.
The board refused the players' demand and they were replaced. The crisis was however averted and the five players in Sri Lanka travelled to South Africa in time for the tournament.
Each player will be paid US$20 000 for the two qualifiers but have lost out on an additional $200 000 if they had advanced to the main draw.
On the field of play, after winning the toss Trinidad and Tobago struggled initially and lost three early wickets in the process in openers Lendl Simmons, William Perkins and the declining Adrian Barath to make it 8 for three. They then recovered through captain Denesh Ramdin and Darren Bravo.
Ramdin needed to redeem himself after some questionable decisions. First he chose to bat on a moist, sticky pitch. Then he came in to bat at No. 5, which seemed quite early. But he responded with a brilliant counterattack and Bravo provided solidity at the other end.
Ryan Sidebottom and Steven Patterson kept the pressure on, but Yorkshire had only three seamers to use. From the moment they brought the spinners on, Bravo and Ramdin batted with freedom.
Adil Rashid opened the floodgates in the 10th over, first staying away from bowling legbreaks, and then dragging them half-way down when he did bowl them. The two legbreaks in his first over went for four and six, and T&T were away. That over started a spell of six overs that went for 63 runs. There were the elegant drives from Bravo, and improvisation from Ramdin, who hardly played any dots.
Rashid brought Yorkshire back, though, as Bravo played a mistimed loft just before he could reach his fifty. Despite two run-outs after that, the T&T lower order kept going, making it 111 in the last 11 overs and an overall 147. Sidebottom starred with 3 for 13.
Early damage
The second part of the match also got off to a familiar start. Samuel Badree got a left-hand batsman grazing the stumps, Ravi Rampaul troubled the top order with some heavy balls, and Yorkshire threatened to disintegrate under the pressure of the chase. However, they had also exhausted seven of their eight overs. At 51 for 4, T&T needed one of their lesser bowlers to step up after the good work.
It wasn't to be.
Rashid started the turnaround with back- to-back fours off medium-pacer Rayad Emrit in the 10th over. The big-hitting Gary Balance then took over, targeting the lesser bowlers ruthlessly. By the time Ramdin was forced to use Lendl Simmons, the game was clearly slipping away. And when Balance hoisted Simmons for two sixes in the 16th over, only 31 were left to get in the last four overs. Rampaul's one remaining over was too few to make a difference.
Balance and Rashid added 103 for the fifth wicket and that was basically Trinidad and Tobago's plane ticket home. Between them Rampaul and Badree went for 44 in eight overs, but Yorkshire plundered 110 of the remaining 10.5.


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The Centre for Textiles in Bandung (CTB) organized with the United Nations Industrial Development Organization (UNIDO) a two day international environmental technology workshop for textile and garment sector on 26-27 September 2016 in Bandung. 70 industries and government representatives learned about available and emerging environmental technologies to address key environmental concerns of chemicals, energy and water use and effluents in subsequent stages of yarn, fabric and garment production and finishing. Industry representatives shared current practices and challenges to move forward to a clean and competitive textile and garment industry in Indonesia. The workshop was organized within the framework of the Indonesian RECP Programme, implemented by UNIDO in cooperation with the Ministry of Environment and Forestry and Ministry of Industry, with funding support from the Government of Switzerland (SECO).
Wed, 09/28/2016 - 16:46


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Mulled Cider- Tis the Season
Fall has arrived a little late this year. We have finished the harvest and begun the wine trails here at the vineyard. For anyone not familiar with the wine trail season, we entertain guests who have purchased tickets through one of our local wine trail groups. Those guests have 2 or 3 weekends to complete their tours and tastings through 9-12 wineries that participate in each of the trail events. The next three weeks are the fall Cornucopia Quest for the Hershey/Harrisburg Wine Country Trail. For $20 each or $35 per couple, you can get a tasting from all of the 12 participating wineries and participate in the fall harvest themed activities. We have decided to mix up warm mulled cider and have our guests judge the pumpkins which have been decorated by our Lower Dauphin High School Art students.
The weekends in November (10-11 & 17,18) are our chance to participate in the Mason Dixon Wine Trail's tour of Wine Just off the Vine. During this event, we will mix more of our spiced, mulled cider and serve it along with our wine tastings and some delicious home prepared soups. This year we plan to serve a Cab Franc French Onion Soup and a Chardonnay Chicken Corn Soup. We really enjoy meeting new people and showcasing our wines, ciders and the beauty of our vineyard to anyone who wants to purchase a ticket and stop in. The mulled cider has already been a big hit so if you want to try some, stop in and enjoy your wine trail experience.


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Committed Action: Developing habits for a valued life
Last year. I began making wild yeast bread. It started from an interest in making whole foods for my family (after reading Michael Pollan's Cooked) and has grown into a weekly habit. On Saturday evenings, I "feed" my wild yeast and measure and soak the grains. On Sundays, my family works together to fold and turn the silky dough during it's slow (7 hours total) fermentation. Our weekly practice of bread nourishes many of my core values: teaching my kids about about where food comes from, collaboration, slowing down, developing gratitude for simple things. I have yet to make the perfect loaf in my over 100 attempts at bread making. Like Buddha Nature, I will never arrive at perfection because the perfection is already here. Bread making helps me to slow down enough to see it.
Recently, I have become more interested in the psychology of developing values-based daily habits and why it is so hard to do them. Why is it so hard to get into bed at 9 when I know that without more sleep I will be irritable, and less effective as a parent and therapist tomorrow? Why is it so hard to take a breath before yelling at my kids when they are fighting? Why is it so hard to walk the the short path to my meditation cushion and just sit down?
About 4 months ago, Dr. Mavis Tsai recommended I look into BJ Fogg's research on formation of tiny habits. I proceeded to do what I usually do when people give me a suggestion for making change--I avoided even Googling the word "habit"...for months.
There is a psychological principle that explains my stagnation: Motivation Wave. When our motivation wave is at its peak, it is easy to do hard things, but when our motivation wave is at its trough, we can only do easy things. In Western culture, we tend to expect ourselves to do hard things all of the time. We expect ourselves to rely on willpower, which is an exhaustible resource. As Charles Duhigg write in The Power of Habit, "Willpower isn't just a skill. It's a muscle, like the muscles in your arms or legs, and it gets tired as it works harder, so there's less power left over for other things." With two young kids, a full practice, and 7 hungry chickens, my willpower is running on fumes.
Creating Tiny Habits
The good news is that BJ Fogg's research shows we can bypass willpower altogether. He proposes that we can make sustainable changes by creating "tiny habits."
Tiny habits are small behaviors that surf motivation the wave and are linked to our greater values. Over the past month, I have been applying the science of tiny habits with my clients, my family, and myself. Follow the simple steps below to establish sustainable, changes that align you with a meaningful life.
STEP 1. Identify the value you want to grow and establish the first tiny step toward your value.
Here are some examples from my clients and personal life (without identifying whom they came from).
Value: Feeling connected with your spouse Tiny Habit: Find your spouse and greet him/her as soon as you walk in the door (before you go pee, before you get a snack, before you...)
Value: Self acceptance and self love Tiny Habit: Focus on one positive thing about yourself every time you go to the bathroom
Value: Self compassion Tiny Habit: Practice soothing rhythm breathing when you have an urge to eat candy at work
Value: Core strength that supports an active lifestyle Tiny Habit: Do 30 seconds of plank before getting into the shower
STEP 2. Design what Duhigg calls a "Habit Loop"
Remember Pavlov's dogs and Skinner's rats? In order for our tiny habits to be maintained it is helpful to anchor them to existing cues (Pavlov's classical conditioning) and reward ourselves once they have occurred (Skinner's operant conditioning).
Step 3. Establish cues
Choose a cue that occurs as the same frequency as the habit you want to create. Getting in the shower, making coffee, going to the bathroom are all great examples of external cues. Cravings, irritation, dysthymia are examples of internal cues. Then write down this statement:
Example: After I put the kids to bed (cue) ---> I will brush my teeth (tiny habit) before going into the kitchen
Example: When the kids start fighting (cue)---> I will take two long breaths (tiny habit)
Step 4. Establish Rewards
Choose a reward that occurs soon after your tiny habit. Then write down this statement:
Example: After I brush my teeth (tiny habit)-->I will smile at myself in the mirror
Example: After I take a breath (tiny habit)--->I will tell myself I am a great mom
STEP 5. Execute Your Plan
Practice your habit for a short time period (e.g., 5 days) then and revise and add to it. Unfortunately, the statement that it takes 21 days to create a new habit is a myth. Research by Lally and colleagues suggests new habits take on average 2 months (66 days). Some habits will take up to 8 months to solidify. So, be patient, compassionate and kind with yourself.
Focus on tiny. Focus on sustainable. Focus on progress not perfection.


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Do you visit the SheFinds blog every day? If not — you may miss out on a find that could change your life. (What? You don't own any life changing shoes?) On our site, you can scope out a different online deal every day, enter to win a fabulous prize each Friday, and test your fashion knowledge trying to spot the bargain buy in two similar items. For even more tips, fashion guides, and great deals, sign up for our weekly newsletter – it's all the good stuff you look for online, right in your inbox. Make sure you're getting your SheFinds.
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Bouquet yellow curtain fabric from the KMI textile collection. *PLEASE NOTE: Based on the window treatments used in this room design, we recommend 18 yards of fabric. The overall fabric yardage is subject to client's needs and the total yardage needed may vary depending on the specific job application and pattern repeat. CHARGES: Your order will be placed with one yard of the recommended fabric, but our Concierge Service will walk through your windows and specific needs once you have placed your order to modify the yardage as needed. Contact our Concierge via Contact Form in our Top Navigation Bar, or on our pink ChatBot in the lower right hand corner of your screen for wallpaper, fabric and window coveri Questions? Email us at [email protected]
Upon submitting your order, you will receive a confirmation via email within 48 business hours. At that time, our concierge service will give you an estimated arrival date and details pertaining to your order. All items will arrive to your door on the same day within 8-10 weeks time. Timelines may be less depending on the product or decor package selected. Standard Shipping charges will apply on all orders. White Glove Delivery available in certain locations throughout the U.S. through The Perfect Room's preferred carrier. Contact our concierge department for one-on-one support at [email protected]


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Two senior members of President Trump's national security team told lawmakers Monday that they believe they have the legal authority to conduct operations against terrorist groups, including the Islamic State, ...Read More »
Monthly Archives: October 2017
Scandal erupts aboard Royal Navy's HMS Vigilant
[ad_1] The Royal Navy is contending with one of its largest scandals in recent memory. About ten percent of the crew of the ballistic missile submarine HMS Vigilant have been removed or have ...Read More »
Trump and Netanyahu share a kiss on West Bank wall mural
[ad_1] The Israeli Prime Minister, Netanyahu and the U.S. President, Trump, are seen kissing in a mural on the Bethlehem wall. The mural was painted by a Melbourne-based artist, Lushsux, ...Read More »
How Fox News covers the Trump campaign's ties to Russia.
The news that Donald Trump's former campaign head had turned himself over to the FBI was just minutes old on Monday morning when "Fox & Friends" co-host Brian Kilmeade posed ...Read More »
Bernie Sanders casting NY mayor as antidote to un-American leadership of Trump
Bernie Sanders, the Vermont U.S. senator who stoked liberal passions nationwide as a Democratic candidate in last year's presidential contest, stepped into New York politics for a day on Monday, ...Read More »
UK parliament Speaker: there must be zero tolerance of sexual harassment
[ad_1] The Speaker of Britain's parliament said on Monday there must be zero tolerance of sexual harassment or bullying among lawmakers, their staff and anyone else within the parliamentary estate ...Read More »
China's ambassador: The United States shouldn't obstruct south china sea talks
The United States shouldn't obstruct efforts by China and its neighbors to agree on a code of conduct in the disputed South China Sea, China's ambassador said Monday as President ...Read More »
Time: Republicans in Congress are not afraid trump will fire Muller
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1 dead in shooting near University of Utah
Police say one person is dead after a shooting near the University of Utah campus at Red Butte Canyon on Monday. The Deseret News reports that the university sent an alert ...Read More »


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Tax-deductible investment expenses.
Due to recent tax law changes, certain investment-related expenses are no longer deductible if you itemize. Prior to the passage of the TCJA, taxpayers were allowed a tax deduction for certain expenses known as "miscellaneous itemized deductions." Miscellaneous itemized deductions included expenses such as fees for investment advice, IRA custodial fees, and accounting costs necessary to produce or collect taxable income. For tax years 2018 to 2025, these deductions have been eliminated. To learn more about these changes check out these articles:
The IRS still lets you deduct certain investment expenses incurred in your taxable brokerage investments. Check with your tax professional to make sure you're taking full advantage of investment interest expenses, and capital losses.
Investment interest expense
If you itemize your deductions, you may be able to claim a deduction for your investment interest expenses. Investment interest expense is the interest paid on money borrowed to purchase taxable investments. This would include margin loans you use to buy stock in your brokerage account. In such cases, you can deduct the interest on the margin loan. (This wouldn't apply if you used the loan to buy tax-advantaged investments such as municipal bonds.)
The amount that you can deduct in a given year is capped at your net taxable investment income for the year. Any leftover interest expense gets carried forward to the next year and potentially can be used to reduce taxes in the future.
To calculate your deductible investment interest expense, you need to know the following:
- Your total investment income for investments taxed at your ordinary income rate
- Your total investment interest expenses (for loans used to purchase taxable investments)
To calculate your deductible investment interest expense, you first need to determine net investment income. This normally includes ordinary dividends and interest income, but does not include investment income taxed at the lower capital gains tax rates, like qualified dividends, or municipal bond interest, which is not taxed. Then, compare your net investment income to your investment interest expenses. If your expenses are less than your net investment income, the entire investment interest expense is deductible. If the interest expenses are more than the net investment income, you can deduct the expenses up to the net investment income amount. The rest of the expenses are carried forward to next year.
Capital losses
Losing money is never fun, but there is a silver lining. Capital losses can be used to offset your capital gains. If your capital losses exceed your capital gains, up to $3,000 of those losses (or $1,500 each for married filing separately) can be used to offset ordinary income and lower your tax bill. Net losses of more than $3,000 can be carried forward to offset gains in future tax years.
For more information about maximizing the tax benefit of capital losses and understanding strategies like tax loss harvesting, see "Reap the Benefits of Tax-Loss Harvesting to Lower Your Tax Bill".
Investment interest expense.
Investment interest expense is the interest on money you borrow to purchase taxable investments. For example, you can deduct the interest on a margin loan you use to purchase stock, but not if you use the margin loan to buy a car or tax-exempt municipal bonds.
There's a cap on deductibility equal to your net investment income, but any leftover interest expense can be carried over for future use, without expiration.
To calculate your net investment income—and therefore how much investment interest expense you can deduct—add up your taxable interest income, ordinary dividends, and even long-term capital gains and qualified dividends (if you make a special election to treat them as ordinary income, more below). Then, subtract any miscellaneous investment-related itemized deductions you actually get to use.
|Taxable investment income:
|Investment-related itemized deductions:
|−$1,000 (deductible at your AGI)
|Net investment income:
|$9,000 (deductible investment interest expense)
Note: The remaining $1,000 of unused investment interest expense can be carried forward and potentially used in future years.
How do the qualified dividend rules impact investment interest expense?
Qualified dividends.
Qualified dividends that receive preferential tax treatment aren't considered investment income for purposes of the investment interest expense deduction.¹ However, you could elect to treat qualified dividends as ordinary income (just as you can with net long-term capital gain income) to boost the amount you can deduct as investment interest expense. The concept here is that it's better to pay 0% tax on qualified dividends than 15% or 20% tax.
Let's go back to the example: If you also have $1,000 of qualified dividends, you could pay 15% (or 20%) tax on them, or you could elect to treat those dividends as ordinary income and boost your net investment income from $9,000 to $10,000—which means you could now deduct up to $10,000 in investment interest expense in the current year.
Payment in lieu of dividends.
If you buy dividend-paying stock on margin and your broker lends out the stock, you don't really receive dividends, you receive payment in lieu of dividends. These payments are treated as ordinary income and aren't eligible for the qualified dividend rate. But all is not lost: The payments are eligible to offset your investment interest expense.
However, if you already have sufficient ordinary investment income from other sources (or more payment in lieu of dividends than can be used), you're stuck with ordinary tax treatment.
Capital losses.
Capital losses can be used to offset capital gains without limit in any given year. If your capital losses exceed your capital gains, up to $3,000 in losses (or $1,500 each for married persons filing separately) could be used to offset ordinary income. Net losses of more than $3,000 can be carried forward to offset gains in the future without expiration during your lifetime.
1. Long-term capital gains and qualified dividends are currently taxed at a rate of 0% for income in the 15% federal marginal tax bracket or lower, 15% for brackets above that level up to the top bracket, and 20% for income that falls in the highest bracket. An additional 3.8% investment income surtax may also apply to taxpayers in higher tax brackets.
Reminder on cost basis reporting rules.
For more information on investment expenses, how to report all kinds of investment income (including mutual funds), and the rules for netting short-term and long-term capital gains, see IRS Publication 550: Investment Income and Expenses.
Be sure to consult your tax professional about your unique situation, preferably well before the end of the year. And no matter the time of year, it's also a good idea to check with your tax advisor before you enter into any transaction that might have significant tax consequences.
We're here to helpLog in to your Schwab account to get access to our tools.
Clients of independent investment advisors: You may also contact your advisor or call Schwab Alliance at 800-515-2157.
Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified tax advisor, CPA, financial planner or investment manager. Schwab does not provide legal or tax advice.
Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.


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I was born the love child of the Wizard of Oz and the Wicked Witch of the West around 1870. Don't know my exact birth date. Do know I have my mother's complexion. I spent my youth either in Oz, my mother's castle, or visiting cousins in Nebraska and Kansas. At a young age the flying monkeys taught me how to hustle at pool, poker, and other games. Tired of all the drama that comes with growing up in celebrity households, around the age of 14, I left to find my place in these worlds.
Eleven years later, on a Mississippi steam boat, a game of cards turned ugly. While swimming to shore I got shot in the keister. While pulling the lead out I had an epiphany. I was going to be a grifter that left each community I visited a better place. To do that I thought I would need a formal education.
Not soon after I crossed paths with a Reverend Joseph Parker in Wichita. He had just established a college for students without much money. A history degree seemed mundane. I decided to pursue a major in Séance Communications with a minor in Zeitgeist Studies.
I studied abroad in the spring of 1898. In Greece, with the help of some gypsies, I managed to communicate with the Goddess Bia. We hit it off. She crossed the portal. We did spring in Athens, summer in Rome, and autumn in Cairo on the Nile. She role played Marc Antony, and me Cleopatra. That year I learned almost as much from her as from the flying monkeys.
The next year we went our separate ways. I tell myself she couldn't handle my big city style and country boy charm. Besides, I just wanted to party like it was 1899. Truth be told I was out of money. She said, "You are no gentleman, and never will be." I said, "A rich man is nothing but a poor man with money." She stormed away.
Confused, I went to Paris, and then elsewhere. I studied further abroad, and another broad. Never got a degree, but I did receive a fizzing great education. I think Mata Hari was my favorite instructor. Later I decided I was going to be a gentleman wander, like Sir Lancelot, the Cowboy Shane, or who 'You Moderns' refer to as Wolverine. Except for me I was going to do it without all the brooding. One thing the Netherworld has over the Earthly Middle Kingdom is there are no brooding adolescents and no brooding adolescent music. "Oh, woe is me. No one understands me because I'm going through hormonal changes." Who needs that flim-flam and fiddle faddle?
After that a lot happened in my life; crossed the portal many times. Then during the Flu Pandemic of 1918 I lost several individuals that were close to me. Until now that is the last time I visited the Earthly Middle Kingdom.
Distraught, I wandered the Netherworld and Oz searching for purpose. Then in 1935 I met up with Lady E Krebs. She is best known in the Earthly Middle Kingdom as the Mother of Modern Halloween. Our connection is that my cousins are the ones who destroyed her flower garden, and from that Trick-or-Treat was invented.
Lady E Krebs has the biggest heart of anyone I've ever met. She loves children. But there aren't many children in the Netherworld. So she started helping misfits and vagabonds. Eventually they travelled from town to town, throwing festivals. Small at first, but they grew and grew. Lady E's biggest strength is instilling a sense of duty and supplying a mission without all the motivational hype and marketing hugger-mugger.
Every festival has a theme: Mysterious Ladies and Gallant Soldiers; Midnight Séance of the Seven Escape Artists and Twelve Angry Females; Fast Cars and Slow You Know (pause) Cooking, and my favorite, High Plains Drifters and Wandering Souls. There would be speakers, workshops, scientific demonstrations, artisans, craftsmen, dancers, street performers, plays, competitions, speed dating, political debates, Tarot readings, and often a good fist fight. Food is always excellent, and we always end the evening as friends with song and dance. I ended up working for Lady E as part roadie, part promoter.
Turns out the Greek Gods and Goddesses don't care much for Lady E. They want to be the center of attention. So they, Bia in particular, started making life difficult: charging fees, imposing taxes, creating complicated permits, licenses, and inventing more and more paperwork. I used my skills as a grifter to help navigate this changing landscape.
I've always prided myself as the greatest grifter of the Netherworld because I excel at turning lose-lose situations into win-win situations. With age you learn money is just pieces of paper, wealth creation is making the world a better place, and morality is doing what's best for the community. That said, the big question is "What community are we talking about?" I got blindsided because I made the grifter's mistake of not looking at the situation through Bia's eyes.
Unfortunately, Bia knows my weaknesses: females and rum. She set me up at the Carnival of Unexplained Happenings and Double Meanings. I don't remember much that night. Something about if I could beat Bia in a dance off then she would leave Lady E alone. I woke up covered in filth in Rochester, NY. There was a note. "Oscar Zoroaster Phadrig Isaac Norman Henkle Emmannuel Ambroise Diggs the Second, you are not allowed through the portal until you accomplish a list of 10 undisclosed menial tasks. Love, Marc Antony." She's such a Bia.
I've accepted that a man does not control his own fate. The women in his life do that for him. I'm not going to brood. I'm going to adopt a Steam Disco attitude and enjoy my time here. My connections are working on uncovering these undisclosed menial tasks. I already know a few: find someone who can beat Bia in a dance off, turn the modern male beast into a gentleman, assist lesser known musicians with their careers, and help couples find true love. My life is about to get interesting.


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Beta-blockers should not be used as 1st-line therapy for uncomplicated hypertension in patients >60 years (Canada) unless there are comorbid conditions which benefit from beta-blockers. (Beta-blockers are highly effective agents in patients with other indications (such as post-myocardial infarction for a time-limited period, or heart failure with reduced ejection fraction).
- Atenolol & Beta-Blockers for Primary Hypertension: Do They Perform Under Pressure? – Alberta College of Family Physicians (ACFP)
- Beta Blocker Use After Acute Myocardial Infarction in the Patient with Normal Systolic Function: When is it "Ok" to Discontinue? – Current Cardiology Reviews, 2012, 8, 77-84
- How Long Should We Continue Beta-Blockers After MI? – American College of Cardiology


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Ed Schultz, former host of "The Ed Show" on MSNBC and a longtime political commentator, has died at 64.
The veteran broadcaster died Thursday of natural causes, according to his former employer WDAY-TV, based in Fargo, N.D.
His passing was later confirmed by the RT America network, where Schultz was employed at the time of his death.
"We at RT America are sad to announce the passing of Edward Andrew Schultz," a statement from RT reads. "Ed Schultz passed quietly early morning on July 5 at his home in Washington, D.C. This announcement comes as a shock to all of us here at RT America."
He is survived by his wife, Wendy, and their six kids.
Schultz broke into the media business during the early 1980s as a sportscaster in North Dakota, but moved into political commentary the following decade and earned a following as a conservative radio host.
He would later change his political support to the Democratic Party. His long-running radio show, "The Ed Schultz Show," which was originally based in Fargo but later moved to New York City, became a national program in 2004 and remained on that platform until 2014.
Schultz garnered even more widespread attention in 2009 when he began hosting "The Ed Show" on MSNBC. The hour-long weekday program centered on Schultz providing his takes on political topics, combating the views of those who he believed had outlandish opinions and hosting discussions with other broadcasters and pundits.
Schultz's tenure at MSNBC ended in 2015 after "The Ed Show" was canceled by the network.
He joined RT America — the United States affiliate of the Russia-based RT network — in early 2016. There, Schultz hosted another commentary show, "The News with Ed Schultz," every Monday through Thursday.
Schultz was mourned Thursday by Keith Olbermann, whom he worked with at MSNBC.
"This is shocking, sad news. No matter how wildly his politics swung, he took up our free health care clinics initiative at MSNBC and ran with it with total dedication, raised millions, helped thousands," Olbermann tweeted. "And it was impossible to stay mad at him and his generous laugh. #RIPEd."


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GREENWICHFREEPRESS | September 9, 2018
A new scoreboard was installed at Greenwich High School's Cardinal stadium on Thursday.
According to Greenwich schools communication director Kim Eves, the gift of the scoreboard was from the Greenwich Athletic Foundation and was approved by the Board of Education at their meeting on June 14.
On June 14, the agenda item, submitted by then GHS headmaster Chris Winters and Greenwich Schools COO Lorianne O'Donnell, explained that the gift would be in the amount of $115,400, and that the package would consist of components designed and manufactured by Fair-Play a Translux company, and would include all structural engineering, contract permitting and installation. The package includes a custom LED base scoreboard, fair play game clock, Sony video camera system and Greenwich rear illuminated logo.
GREENWICHFREEPRESS | July 18, 2017
In a matter of weeks Greenwich Schools will resume session and a new set of bell times will be implemented. Greenwich High School will start an hour later.
While the change of start times reflects the worthy goal of teens getting adequate sleep per recommendations of American Academy of Pediatrics, the American Medical Association, and the Center for Disease Control, it will also mean later dismissal, and therefore fewer hours of daylight for outdoor sports practices and games.
GREENWICHFREEPRESS | June 15, 2017
The Greenwich Athletic Foundation, Inc. (GAF) announced this week that on the RTM approved their gift of a new audio system for Dorothy Hamill Rink.
The gift is the first from the newly formed Greenwich Athletic Foundation, whose goal is to address the town's deteriorating athletic facilities through public-private collaboration.
The gift of the audio system was approved by the RTM on June 12...READ MORE
GREENWICHTIME | July 14, 2017
GREENWICH — Greenwich High School will have new bleachers in its gymnasium this fall, thanks to a gift from the Greenwich Athletic Foundation.
The Greenwich Board of Education voted 7-0 with one member absent on Thursday to accept a $110,000 cash donation to pay for and install the new bleachers.
After that board's vote, the town Board of Estimate and Taxation gave the project the final go ahead by authorizing the school board to spend the money...READ MORE
GREENWICHTIME | July 15, 2017
GREENWICH — Three months ago, the Greenwich Athletic Foundationwas born from the spirit of giving — and a hearty dose of inter-town competitiveness.
"The Darien Athletic Foundation raised over $9 million dollars," said Greenwich Athletic Foundation founding member Richard Fulton, who graduated from Greenwich High in 1985. He described the new fields and stadiums the organization has funded at Darien High School. "Our teams aren't performing the way they were in the past against these smaller towns ... we're not competing like we used to and like we should."...READ MORE
GREENWICHTIME | July 10, 2017
GREENWICH — The Greenwich Board of Estimate and Taxation and Board of Education will consider this week approval of $110,000 for the purchase and installation of new bleachers for the Greenwich High School gymnasium.
"If you compare our facilities to other towns in the area, I think we are well behind," said Robert Burton, president of the Greenwich Athletic Foundation, the newly-formed nonprofit that is donating funds for the bleachers. "This is something I felt we could give back and really improve it for everybody."...READ MORE
Dear fellow member | A letter from our President, Robert Burton, Jr.
Thank you for being a part of our exciting new organization! I wanted to update you on a few important items regarding The Greenwich Athletic Foundation, Inc. (GAF) and our progress to date. Last night, both the Greenwich Board of Education and the Board of Estimation and Taxation approved our gift of new gym bleachers for Greenwich High School...READ MORE


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National Geographic : 1918 May
This Badge of Honor to be given every U. S. Shipyard Volunteer Talk it over with your men The outcome of the war depends upon SHIPS! When we can build ships faster than the U-boats can sink them, the submarine peril will vanish-and America's might will win the war. This is why the Government's call to en roll 250,000 skilled workers for the shipyards is so urgent; so vital. Every employer is asked to help. Will YOU make some sacrifice, so that the Government can get the skilled men required ? Talk it over with your employees; explain the great need to them, and if some of them wish to enroll in the United States Shipyard Volun teers, make it easy for them to help the Government. They will be paid gooa wages, millions are being spent by the Government to give them good homes; they will work at trades for which their experience has fitted them; they will come back to you better, faster workers. Every Volunteer will receive a badge and a certificate, showing that he is doing his bit for America. You can perform no greater patriotic service to your country than by helping to build ships. Greater than the need for money, is the need for men-skilled men. Will you help? Mail the coupon today-get all the facts -and talk it over with your men. For Further Information Mail This Coupon EDWARD N. HURLEY, Chairman I SU.S. Shipping Board,Washington, D.C. I Please tell me how I can help the Government enroll S250,000 Shipyard Volunteers. I Name................ ... ............ I.... ** **** SAddress............................................. Firm Name........................... ....... . U. S. Shipyard Volunteers This page contributed to the Winning of the War by the SAMERICAN TELEPHONE AND TELEGRAPH COMPANY
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You might think of Romeo Aldea (Adrian Titieni) as a helicopter parent, a father whose heavy investment in his daughter's success seems both laudable and a little frightening. For Romeo, a doctor in a provincial Romanian city, Eliza (Maria Dragus) — his only child, in her last year of high school — represents his only basket and all the eggs inside. He clings to the faith that his thwarted ambition, his battered idealism and his dented self-esteem will all be vindicated if Eliza wins a competitive scholarship to study in England. He and his depressive wife, Magda (Lia Bugnar), who lived in exile before their return to Romania after the end of Communism, are not up to leaving again. Eliza's escape would be an antidote to her father's disappointment with the spiritually and morally desolate place his country has become.
"Graduation," Cristian Mungiu's nerve-racking and humane new film, provides plenty of visual and narrative evidence in support of Romeo's pessimism. Mr. Mungiu's camera stalks Romeo through a drab landscape, where ugly old buildings are falling down, and ugly new ones are going up, where gray and brown are the dominant colors, and where nothing quite works. When Eliza is attacked — she injures her arm fighting off an attempted rape — her father's worst intuitions are confirmed. But his plans are also threatened, since the trauma of the assault threatens to affect her performance on a crucial exam. She is also seeing a boy Romeo doesn't much like. His parental anxiety slides toward panic.
And his sense of superiority to his surroundings — the idea that he and Madga uphold values that their compatriots have long since abandoned — is challenged. In order to save Eliza's chances, he ventures into the world of favor-trading and back-scratching that he had always disdained, turning to a high-ranking police officer (Vlad Ivanov, a guarantor of Romanian cinematic authenticity) and a local politician (Petre Ciubotaru) in an effort to rig Eliza's test scores. He tries to convince himself (and his accomplices are happy to assure him) that it's all no big deal, just the way things are done.
Compared with what the characters in Mr. Mungiu's other films have faced — an illegal abortion in "4 Months, 3 Weeks and 2 Days"; a fatal exorcism in "Beyond the Hills" — the predicament of Romeo and his family might seem trivial. But Mr. Mungiu, one of the crucial figures in the post-dictatorship flowering of Romanian cinema, has a gift for infusing daily routines with an almost metaphysical sense of dread. Mr. Titieni, a heavy, serious presence with palpable kindness in his features, makes us believe that nothing less than Romeo's soul is at stake. And Ms. Dragus, who slowly takes possession of the film's moral center, beautifully dramatizes the dilemma of a child who wants to be both obedient and independent. Romeo's dreams for Eliza are rived with contradiction: He wants her to be free, but never imagined that she would want to free herself from him.
"Graduation" is long and intense, a rigorously naturalistic film that at times feels as claustrophobic and suspenseful as a horror movie. Like Mr. Mungiu's other work, it is a thriller of sorts, built around an excruciating ethical problem. He is unstinting in his sympathy and unsparing in his judgment. Romeo is a decent man, but his belief in his own decency is a toxic kind of vanity. His actions don't so much make him a hypocrite as reveal him to be yet another of the clueless, puffed-up patriarchs who afflict Romanian cinema (and not only that, of course). And also, for all his sins, a pretty good dad.


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Style Has No Size / Women of All Sizes Bridal from Rebecca Schoneveld
Today's bridal boss babes come in a myriad of shapes, sizes, ethnicities and body types. Enter Women of All Sizes…a stunning collection from established cool bride designer, Rebecca Schoneveld, who is on the forefront of inclusivity. Inclusive of all identifiers, and for the bridal gowns that she designs, inclusive of all body types that are traditionally seen as either petite or plus size. Rebecca saw that every woman should not feel limited to only a handful of styles because her body is a certain size.
When we read the ethos behind the concept of Women of All Sizes, "the reason we exist is to make you feel like your authentic self and have your wedding gown be a mirror of the beauty inside your soul," it spoke to us! This is a mantra for our shop and truly something that resonates with us at a&bé.
Style has no size, and with that in mind, Women of All Sizes has a comprehensive size chart that covers everyone from a size 00 to 30, and without an extra charge that can sometimes come with the "plus" sizes. Real women have curves, some don't. Real women have tone, some don't. Real women are EVERYTHING... Because you are real, and you should have a bridal look that shows the beauty of YOU.


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Welcome to WebmasterWorld Guest from 126.96.36.199
Forum Moderators: martinibuster
According to SFGate [sfgate.com]:
Shine will feature a stable of editors who will comment on a variety of topics of interest to women and link to articles from magazines and content from other Yahoo properties. Count on seeing headlines like "Shazam! Matt Damon, hot daddy" and "Are your diet foods making you fat?"
They intend to fold user generated content into the portal, as well as their standalone food and astrology areas. Marriage and birthing are perennial topics but right now you have to scroll down a bit to get to those. The content above the fold is currently dominated by celebrity fluff. Should SHINE.YAHOO.COM focus on content that women find useful or should they worry about how to help women kill a few minutes?
Constructive criticism
One thing that bothers me is they're sticking to their subdomain branding strategy by making the URL shine.yahoo.com. AOL had success with TMZ.com, proving that good content can stand on it's own domain. My personal opinion is that Yahoo would be better off to drop the subdomain branding and let it's good content fend for itself without the baggage of having to type or code a subdomain, to allow their properties to stand on their own domain-feet.
Imo, keeping their efforts under a subdomain is like making their kid walk to school and back with grandma. Not only is it uncool and embarassing but to me it undermines the status of the site as a destination. Let it go. Trust your content.
But why the rush now to accomodate women targeted content. Remember the recent ask discussion:
Ask Abandons Search - Becomes a Women's Vertical [webmasterworld.com]
But Yahoo has the clout to take some of their traffic and followers if they keep it fresh and updated... Time will tell...
From an article in CRN [crn.com]:
The new Website will feature nine categories "ranging from Fashion & Beauty to Parenting, and will feature content from many of the most popular lifestyles publishers, including Conde Nast Publications and Hearst Corporation."
How many sites doing the same thing get whacked by Yahoo's quality team?
Would Yahoo's effort have a better chance if they hired engaging writers to produce original content?


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Do you need more information?
or are you ready to book?
Whack a Ball – basketball themed whacking arcade game. This is the second in the sports teamed whacking games series. This is time it is a basketball theme.
We took the original Whac a Mole game that was custom built for us in the factory with custom trim and sound; we replaced the mole characters with the miniature basketball and wrapped the whole game in the custom designed graphics resembling a basketball arena. This games plays just like the original Whac a Mole game, the faster you hit the balls the higher score you get. The graphics were designed by Finest studios and the rest of the work was done here in our studio including miniature custom basketballs.
This is a beautiful fun game and great addition to any sports themed party.
Whack a Ball game is suitable for any age.


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In direct response to an errant post from a male observer, the brand released this piece of advertising - much to the delight of its fan base and marketing admirers worldwide.
A great example of not only how a brand should be paying attention to consumer interactions in social media, but become a part of it towards a total brand experience.
Well done. What's your experience? Jim.
Jim Joseph
President, Cohn & Wolfe NA
Author, The Experience Effect series
Marketing Professor, NYU
|The post from Richard that started it all


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Originally Published in Psychology Today
Subtle marketing techniques influence how we spend our money.
Like many folks, I subscribe to Amazon Prime, although admittedly, it was a piece of cake for them to win me over. The promise of free shipping and the convenience of seeing my favorite pea soup and other sundry goods just waiting for me at my doorstep? Yes, please! And in an effort to win over more people, the company devised one of the most adorable commercials ever. The ad features a precious, lonely mini-horse whose caring owner swiftly installs a pet door so he can come inside for company, courtesy of Amazon Prime (of course). It won't give you specific information about Amazon Prime, and it doesn't need to. The ad pulls viewers in through its delightful, warm-hearted vibe, leaving them amused, attentive, and curious to learn more. Arguably, the intent here is to forge a connection between its brand and humor, warmth, and caretaking in the hope that it will persuade you to buy an Amazon Prime subscription. They wouldn't invest the time, creative energy, and money into this kind of marketing otherwise. But are they onto something? Is it such a cakewalk to sway how we think and behave that darling mini-horses and endearing stories will do the trick? Well, um…yes. Thanks to diligent research, marketers know how to pull our strings while we don't have a clue it's happening. And that's precisely the point. We can't resist what we don't recognize.
We'll address an assortment of persuasive techniques in future articles. In this post, we'll focus on some of the nonverbal strategies that marketers use to airily pull our strings on how we see a product, what we buy, and how much money we're willing to spend.
The Shape of Things
It's not a fluke that logos are everywhere. They offer immediate, smooth brand recognition. Just consider this example:
You can't see a letter on this logo, yet you can probably pair it with the company and the products it represents. But logos have a far more potent and unseen impact than brand recognition. A recent study reveals that the logo's shape alone affects how we see the product it's associated with. Shoes or couches with a rounded logo? We're more inclined to view them as comfy and snug. But simply swap in a sharp-cornered logo and that changes our perception. Then we're more apt to regard them as dependable and well-made. Why would the shape of a logo have such an impact? In all likelihood, because we connect a cushiony feel to round logos and firmness to angular logos and then view the product in the same light.
And the wheels of influence spin again when we pair ads with logos. If the ad's language matches the logo's design, we'll like the product more. For example, if we see an angular logo with an ad highlighting a shoe's sturdiness and reliability, or an ad focusing on how cozy a shoe is alongside a rounded logo, then we'll prefer the shoe and are more willing to dip a little deeper into our pockets to buy it. And for some of us, the shape of a logo can impact how we view customer service, with round logos linked to the impression that we received considerate service.
Think of all the times you walked into a store. What was it like? Was it pleasant and inviting, or vaguely off-putting? Did you find yourself sticking around longer or spending more money in some stores than in others? If you're like most of us, yours truly included, the answer is yes. But do you have any idea why you linger more or hand over a greater fraction of your paycheck in certain establishments?We may think we know why we behave the way we do in stores, and at times we may be right. But we're not fully clued in. One of the primary directives of a business is to make you feel good while you're there. After all, if the environment feels enjoyable, you'll be more inclined to associate this feeling with the products around you. And stores have figured out that the right sort of stimulation at the ideal level is crucial to your comfort and enjoyment. Ultimately, it heightens how much you spend. Let's take a closer look at some of the shrouded yet highly persuasive elements of our shopping world.
What we see: Colors are emotional, and they affect how we feel. They also guide how much money we believe items are worth. Take the color black, for instance. We tend to link it to high-end products. Or consider the lighting in a store. We direct greater attention to products placed under radiant lights–we'll even handle them more. And those of us who prefer intense java will consume more of it in a well-lit coffee shop. However, if we prefer our coffee on the mellow side, then lower lighting fosters more coffee drinking.
What we feel: We're creatures of habit, as the cliché goes, but we're creatures of touch too. And companies know this. When we get to put our hands on an item, we're more inclined to buy it. That's why shrewd clothing companies will arrange their stores in a way that offers you ready access to their clothes. A store's temperature is also often deliberate. The next time you walk into a store with more expensive prices, you might notice that the atmosphere feels cooler than a store with products that have a lower price point. What would be the advantage of a cooler store? In general, we tend to make less practical, reason-based choices when our body feels colder, which might lead us to spend more than if we were a little warmer.
What we smell: The sway of smell is potent, yet its influence can fly right under our noses. When we're in a store with an inviting smell, such as the scent of flowers, we're more prone to linger and feel the urge to buy something. We're even willing to spend extra money. But the scent strategy doesn't always pay off. If the smell of someone's perfume or cologne has ever motivated you to scoot a tad farther away, you're well aware that what qualifies as an appealing scent for one person may not feel so inviting for another. And if a store has a smell that's unattractive to a number of its customers, it can lose profits. It's another example of how even a seemingly mild detail in a store's space mightily influences how we spend our money.
What we hear: Let's think about the music piping through a store. Like some of the other elements we've been talking about, it only seems inconsequential. In reality, it carries a great deal of weight. If the music is set at the proper volume, we're more apt to take a peek inside. And when we're in stores with slower music, we tend to take our time shopping and we'll shell out more money, whereas rabid beats encourage us to increase the pace of our shopping and exit the store sooner. On top of the volume and the beat, the type of music in the background determines how much we spend. For instance, have you ever bought a bottle of wine? If so, the amount you're willing to pay for it is likely to rise with classical music in the background because most people tend to think of classical music and wine as being chic and classy. The music fits the environment. The type of music also influences what kind of wine you'll buy, leaving you more inclined to buy German wine or French wine depending on whether there is German or French music playing. We tailor our purchasing decisions to the music in the background and we're not remotely aware of it.
And if it's humbling to realize that the mere shape of logos and the intricate details of a store's environment can impact your behavior in unforeseen ways, for what it's worth, it means you're human. Thankfully, we also possess the human capacity to shine a light on those unseen spaces where we're more persuadable, where charming mini-horses possess colossal power.


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How to create Affirmations for Breaking through Fear:
Here are the instructions I promised y'all in the Intention Setting Workshop (replay available here)
For this month we are focusing on replacing Fear with Abundance, Hope and Motivation. So here is how you create an Affirmation for each of these emotions.
Step 1:
Think of the Fear for YOU that is opposite Abundance. Then do the same for Hope and Motivation. (Example Abundance/Lack, Hope/Dread, Motivation/Resistance to Change) as you can see in the photo, these aren't the ones I used for my Affirmations, but I wanted to show you there are many options based on your own particular fears.
Step 2:
Create a Positive Phrase that goes with Abundance, Hope, and Motivation AND is opposite to your Fear. (Ex. "I CHOOSE to be grateful for having more than I need." - which is Abundance and the opposite of Lack.)
Step 3:
Now you can say your Affirmations for each of the three Emotions, using their corresponding essential oils. Place a drop of oil in your hand and rub it into your palms. Then place your one hand on your forehead and one on your heart. Go through your Affirmations:
I release the emotion of Lack, which no longer serves me in a positive and productive manner (repeat 3 times to really ingrain it in your brain)
I Choose gratefulness that I have more than I need to be happy. (repeat 3X)
I Believe I have more than I need to be happy. (3x)
I Manifest having more than I need to be happy. (3x)
REPEAT for Hope and Motivation, using the fear and positive sentences you wrote down for these.
Do this each morning and each night until the end of July. You will be amazed at the change you see in yourself!
Any questions? Watch the replay of the Intention Workshop or ask me in the comments below.
And if you enjoy the video, please share it with anyone else you think will benefit! Thanks!


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When I turned thirteen, I catapulted into a consciousness of horror and rage. My bubble of happy imaginary play popped, and I stared aghast at the material world surrounding me. How could adults have allowed our world to become such an atrocious mess? It was 1988, and Ronald Reagan was President; homeless families stood on sidewalks block after block holding cardboard signs asking for help. Veterans, too. How could a soldier who lost his legs defending our country be left on a curb shaking a Styrofoam cup? When Reagan bombed Libya, I burst into tears, horrified by the TV images of children injured and surrounded by rubble. Less dramatic, but disturbing in a far-reaching sense, was our country's endeavors to drill for oil in Antarctica. As I read through various articles documenting damage to the wildlife, I felt such loss, as if this fragile continent were slipping from our world like Atlantis.
One benefit of anger is that – despite it ruining your life – it propels you into action. With my mom's help, I did some research and set up a schedule. I began to volunteer two afternoons a week for Green Peace and one evening a week for a soup van handing out warm meals to men and women standing at designated street corners. I attended marches, wrote letters, and started up a community service organization at my high school. Rage may have stolen my ability to enjoy the world, but it could not diminish my love for it.
I'm forty-six now, and that teenage girl still waves fists and stomps along sidewalks within me. I don't ever want to abandon her – or those she champions. Over the last decade, though, since becoming a mother, I've felt conflicted. I want my children joyful and carefree, not lost to the gritty emotions and anger I felt back then. I doubt I'd even let my teenaged self near my kids. I don't teach them about current atrocities; I censor the news. I spend most of my energy taking them to the woods, playgrounds, their grandparents' homes, birthday parties and sports games. I strive to shield them from the anger I felt and all the demise that incited it.
Helping kids have a good time is fine, but as mine grow older, I have to ask painful questions: Is it okay to cheer them on the soccer field as bombs fall on Aleppo, or another incident of police brutality towards citizens of color hits the news, or a billionaire who doesn't support the idea of free and public education is nominated for Secretary of Education? This world doesn't need more angry people, but as I listen to the news these first weeks of 2017, I have to ask, what is the appropriate response to what's going on right now, other than rage? And how much of this rage do I share with my kids? Are there ways to preserve some of their innocence as they get older exactly as our world darkens?
The morning of Inauguration Day, struggling with these questions, I snuck out of the house a little before dawn to run up the road. The air was still dark, and snow swirled wet and cold against my face. Out of the pre-dawn shadows, a crowd of pretty girls in white dresses appeared before me. Boys in funeral-like attire joined them. I recognized the scene – my high school graduation, that ritual of teens crossing the divide between child and adult. Yet in this vision, the graduates exploded out of their formal attire, more volcano than human, spewing passion, rage, and despair, the very same emotions that, decades ago, flared within me.
Grow up?! Their fiery forms screamed. Venture into the world?! More explosions made their disgust impossible to deny. They didn't create the mess; why must they inherit it?
I had no answer for these raging teens, but I could understand why I have been so protective of my children. Rage – even when justified – ruins your life. It steals your ability to savor and appreciate your own life, and then it hardens you against the lives of others. Unchecked, it kills.
What can I do to help my kids and other kids hold onto their passions without exploding? To keep caring and engaging with our world without getting eaten up by anger and giving up?
My run gave me no answers, but the next day – The Woman's March of January 21 – did. According to reputable news sites, this march was possibly the largest worldwide protest demonstration in history. United was the march's watchword, and people of all backgrounds, political persuasions and ages joined it, rallying together to fight back against hatred and oppression and to chant about reaching out and helping one another. What struck me the most was how many elderly men and women joined the protest. I'm used to seeing lots of babies in Bjorns at marches, people my age and lots of teenagers, but I didn't expect so many octogenarians and even nonagenarians, many of them dependent on canes, walkers or other younger marchers to navigate the snow and ice along the sidewalks. The could have stayed at home, warm and dry. They could have watched the march on the news. Instead, they were here, with us, fighting for a world they would soon be leaving. Their presence told me that I – and all my generation, along with our children – were not alone, that our ancestors were by our side, striving like us and with us to create a fair and just society on the wildly splendid globe we shared.
What can I say to volcanic teens and to my own children about the egregious injustices of our world?
You are not alone! We will approach this mess together, we will heal what's broken together, we will enjoy what's sweet and golden together, we will celebrate together! I am angry, too, and you are not alone!
All my life, I've believed that everyone's lifetime matters, that every thought, word and action affects the people around you and the way the social world evolves minutes by minute. As a teen, I held an elderly man's hand as he coughed blood into a bowl. He had TB, was homeless, and he smelled terrible, and I stood by him and patted his back. Of course, I didn't change his life, but I feel in a very small but real way my being there mattered. Some days back then I'd feel reluctant to get myself to the homeless shelter where I volunteered, but I always knew I needed to do it. Nowadays, I get the same feeling about volunteering in my kids' elementary school. It's a difficult duty in many ways – I need to find someone to watch over my two year old, I lose hours of billable time, my list of undone-items looms!
But really, what's more important than connecting with a kid? What's more important than helping where help is needed? Feeling helpless leads to feeling hopeless, and this downward slide is a terrible experience. Adrenalin courses through the body with no release, and the drama of fight or flight ends in collapse. Too quickly, a passionate heart becomes a diseased one, then a dead one.
I choose to live. And I choose to help my children live – to rage, cry, sing, dance, love and fight. I cannot save their innocence, but I can work with them to save the world we share.


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News stories you may have missed during family separations uproar
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
This week's news in photos: June 18-22, 2018
Interested in this topic? You may also want to view these photo galleries:
After days of intense national scrutiny, President Donald Trump signed an executive order Wednesday halting the separation of children from their families at the border.
There are many questions to be answered, but the move has — for now —dialed back the intensity of a controversy that gripped the nation.
While seemingly everyone was focused on the multifaceted family separation story, other news happened — Mother Nature wreaked havoc, the Supreme Court decided some major cases and Canada relaxed its laws on marijuana.
Here's a rundown of what you might have missed:
Floods hit Midwest, Texas
A "state of disaster" was declared by Michigan Gov. Rick Snyder after flash floods caused widespread destruction.
At least one person died in catastrophic rain and flooding in Michigan's Upper Peninsula and parts of Wisconsin.
The National Weather Service described the damage as "historic." Homes and buildings across the Upper Peninsula were flooded, and thousands of residents were without crucial roadways.
In southeastern Texas, days of torrential rain led to widespread flooding, the state's worst floods since Hurricane Harvey last year.
Since Tuesday, 5 to 10 inches of rain had fallen along the Texas coast from the border to about 125 miles south of Houston, with more than 15 inches in some areas, the National Weather Service said.
Trump placed new tariffs on China
President Donald Trump imposed a 25 percent tariff on hundreds of Chinese products in response to what he described as unfair trading practices and China's "theft of intellectual property."
The tariffs total more than $30 billion and are on a wide range of Chinese goods, including jet engines and dishwasher parts.
China threatened to impose retaliatory tariffs and said that any progress in negotiations with the U.S. were nullified.
The U.S. tariffs follow steep duties Trump imposed on steel and aluminum from Canada, Mexico and the European Union.
Japan and China agree that a trade war will have serious consequences for the world economy, Japanese Foreign Minister Taro Kono said after a high-level economic dialogue between the world's third and second-largest economies. Newslook
U.S. pulled out of U.N. Human Rights Council
The United States announced Tuesday it was pulling out of the United Nations' Human Rights Council.
The White House has accused the council of protecting countries that commit human-rights abuses. The U.S. called the council a "cesspool of political bias" and cited unfair treatment of ally Israel.
Meanwhile, the council called for the Trump administration to halt family separations because the policy ran "counter to human rights standards."
The Trump administration has announced Tuesday its departure from the United Nations' main human rights body in its latest withdrawal from an international institution. (June 19) AP
Supreme Court ruled on sales taxes
States can now collect sales tax from online retailers, the Supreme Court decided Thursday.
The 5-4 decision will increase state revenues while costing customers and sellers who have so far avoided sales taxes.
Previously, online purchases had avoided sales taxes because the retailers did not exist inside the given state. Read more.
Online purchases will likely get more expensive. Time
Redistricting decision handed down
The Supreme Court released its decision Monday on a long-awaited gerrymandering case that could decide how maps will be drawn in the next election.
Democratic voters were challenging the borders of state Assembly districts in Wisconsin, but the case had the potential to block all states from gerrymandering their district lines.
But the justices unanimously sent the case back to lower court for further review. Read more.
The Supreme Court Takes on Wisconsin's Gerrymandering Suit Milwaukee Journal Sentinel
Meghan McCain rips Trump remark
Sen. John McCain's daughter described a remark about her father by Trump as "gross."
During a rally in Minnesota, Trump again blamed McCain for the failure of a Republican effort to repeal the Affordable Care Act, or "Obamcare."
"We had a gentleman way into the morning hours, go thumbs-down," Trump said, according to a CNN report. "He went thumbs-down." The president made the gesture for the crowd, but never mentioned McCain by name.
McCain famously cast a deciding vote last year that stopped the repeal by gesturing with a thumbs-down on the Senate floor.
Canada legalized recreational pot
Canadian lawmakers passed sweeping cannabis legislation that legalizes recreational marijuana for use by adults.
Canada is the second nation in the world to fully legalize marijuana nationwide. Uruguay was the first. However, many nations have decriminalized marijuana use.
Adults will be allowed to possess 30 grams of marijuana and it will become legal nationwide on October 17. Read more.
Trump renewed call for a Space Force
Trump called again on Monday for the addition of a new military branch to be based in space.
"It is not enough merely to have an American presence in space; we must have American dominance in space," Trump said.
The president has called for space combat to be included in the Armed Forces several times before, but Trump would need congressional approval to establish anything like it.
President Donald Trump announces that he is directing the Pentagon to create the "Space Force" as an independent service branch. (June 18) AP
USA Today and the Detroit Free Press contributed to this article.


text: More from Valquiria - a veil dance this time. I must put these up on facebook so she can see what I'm doing with them in terms of crops. She's got all of the raw images, but they contain a lot of extraneous background. I could probably tone the backdrop down quite a bit too.


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Palm Reading $40
The Palm Reading is a Overall characteristic reading that gives you a chance to intrepid the lines of you palm. See what they have to tell you about your spirit self, What life path to follow and who you truly are.
This Reading is suggested for those who have not received a reading in the past. You may also add this reading to our others for a combination reading. Call for special pricing.
$35 for up to 30 minute sessions
Psychic Reading $55
The Psychic Reading will allow you to take a look into all aspects of life. Past, Present and future. Love, career, health, family, Past lifes etc.
This Reading gives you Details depending on aspects that require the most attention & energy. You Also may ask a Handful of questions regarding and subject you may want to know more about or the reading it self!
$55 for up to an hour session.
tarot card reading $65
The Tarot Card Reading can give you insight into the most asked about subjects. Love, Relationships, Career & Finances. The cards allow for a more visual experience and give the client a chance to see and feel the spiritual essence of the reading.
Giving you extreme detail, Answering all of the more important or concerning questions about your life and future. This is our Most popular reading!
$65 for up to an hour session
Spiritual Experience Membership
The gold membership $59.99
The gold package membership allows you to receive a psychic or Tarot card reading once monthly without having to stress about where to go or how to pay. This membership also comes with exclusive discounts and special event alerts when you join become a part of our team. Our goal is to help keep you on the right path, continue to allow you to stay clear from negativity by giving you the clarity and insight you need.
The platinum membership $89.99
The platinum membership gives you the opportunity to receive everything from the gold membership along with an increase in time. There are those who need more attention to detail or who may have more questions that need answering. This membership includes 90 minutes sessions for either the Psychic reading or the Tarot card reading and also includes a Palm Reading as well. Giving you the exciting chance to understand what the lines of your palm are trying to tell you and where you are going in life & Love
Spiritual Renewal Program
the water cleansing program
The cleansing Water program For just $199.00 a month Will give you the chance to book, pay for and receive 2 Spiritual cleansing & meditation sessions along with your choice of any chakra for one balancing monthly.
Add on a Tarot card reading to your sessions at anytime for only 49.99 per reading
The FIRE CLEANSING PROGRAM
The Fire cleansing program for $249.99 gets you all the perks from the water pack but adds on 1 additional spiritual cleansing & meditation session along with a total of 3 chakras for balancing's monthly
Add on an additional to any program chakra for just 59.99 per chakra monthly
The earth cleansing program
The Earth cleansing package for $299.99 gives you the best deal! 4 spiritual cleaning & meditation sessions and the Chakra balancing for all 7 chakras twice monthly.
Add on all 7 chakras to any package for just extra $89.99 when you sign up for the spiritual renewal program
The Witchcraft Packages
Witchcraft & Love Spells
Here is a list of the 3 different spell packages offered & witch craft services. Can we take a minute to appreciate the fabulous names I've given them, some of my favorite crystals to work with. Just so you guys know the names don't include any one particular Crystal in your work. Just a cute spin and play on the package names. Please thoroughly look through each individual package giving yourself a chance to acknowledge the time difference in which the spells will be completed and the difference in pricing as well. We start off with the big mama spell pack and work our way to the more pocket friendly options, Even I know the rose quartz pack is a bit expensive for our everyday working guy or gal but thats why I created different packages. So that everyone has a chance to get the help they'r looking for with our having to break the bank. Each and every individual or combined spell performed by Me & my team is customized for each client. Be aware that by purchasing any service including witchcraft or love spells means that you completely understand & agree to terms of service and rules listed on this website.
In order to receive witchcraft love spell services you first need to call for a full & Complete Meditation analysis so that we can ensure Energy compatibility between you and I as well as to completely ascertain that this is worth my time, your precious time & of course you're hard earned money. I will not work with any client if I do not fully believe I can help them in every way. I am a solid believer in telling the truth, so if there is even a slight chance that after the meditation and analysis is done, that I cannot help you then I will be 100% upfront and straightforward about that with you.
Oh, so that you know there are no hidden fees, extra cost or any of that crap here. what you see (or pay for) is what you get. Period. I know most of you have had the unfortunate encounter with the faux psychic witch or 2 or 8 lol but just keep in mind that there is good and bad in every business and although I am not here to rag on anyone I do make it my point to set a trend in this biz to raise awareness for those of you looking for real genuine spiritual help. Now Just keep in mind that no case is guaranteed, I am not god, the Devine, Allah, Buddha, the higher power or whatever you call the big energy up there so I can't account for every single possibility of action you take in your own life that could change the outcome of our partnership and goals together and I think being up front with you guys out there is extremely important because most faux's won't be.
The outcome of your situation depends on you. Yes, thats right. you read that correctly. You must decide the outcome of our working together. No b/s and no smoke and mirrors, empty promises or guarantees here. Because I can, and have on many occasion, lead the horse to the well but I MOST CERTAINLY cannot make him drink from it. So in the same way, I can bring you to your hearts desires but I CANNOT force you to believe that I can or to believe in me or my work. That part Is up to you guys out there. However, with the right attitude, a positive heart and mind frame and with complete team work, faith & hope between us, theres not a thing we cant accomplish together. Go ahead and scroll down now, Ive explained enough I think… ;-)
The quartz spell package includes 1 daily phone consultation between you & Isabella seven days a week. You will also have the option if necessary, to meet with Isabella once to twice a week for Energy analysis sessions. The meetings if needed, will take place at a location decided by you and Bella. During the time you work together she will be working on your case seven days a week for 3-4 hours at a time on any and all spells that are needed for your case. She will also be communicating with your spiritual guides for step-by-step advice on how to handle your particular situation. This package also includes a once a month Life assessment reading for a fun update to see how things are progressing, The reading is only dreamed necessary by Bella or a member of the team If at anytime we refuse to provide the reading it is for good reason for it is not needed. $799.99 per month.
The amethyst spell pack $499.99
The amethyst spell pack includes communication consultations 5 days a week. Bella will also be working on your case five nights per week 2 hours at a time, casting spells, communicating with the spirit guides, retrieving important guidance as well as information and updates on those included or involved in your case. I.e. Love interests, Coworkers or friends and/or clearing cleansing any energy thats within or around you for your case. This is our most recommended and most popular package. This package includes a possible or optional Bi-weekly meeting in person and includes all materials or as many spells needed. $499.99 per month.
The aquamarine spell pack $299.99
The aquamarine spell package involves Communication between us 2 days per week allows me to work on your case three nights per week including any and all spells that may be needed for your case. Along with this you also are able to receive guided meditations or rituals personalize for you by me. Unfortunately this package doesn't include enough time for Meetings in person. However it's a great package if you're looking to save a bit of money and still get a job well done. The energy time effort and strength that goes into this package is just as potent as any other however the time completion and or result Time frame does it extend out further into the future as opposed to with the other packages. The price includes all materials needed. $299.99 per month


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April 29 + 30, 2017
Doors Open Denver (DOD) is an annual two-day event that provides opportunities for residents and visitors to explore our city, which creates meaningful connections to the built environment. Each spring, the Denver Architectural Foundation (DAF) inspires the community to connect through self-guided or expert-guided (fee-based) tours of our city's unique spaces, including high-profile, historic, and/or artistic feats of architecture and design. Doors Open Denver tells the story of where Denver is, where it has been, and where it's going.
The event will once again be headquartered at Union Station. We are excited to announce that 2017 will continue the involvement of our local arts community with arts and culture activities at many sites. In 2016, we saw many successes from jazz and contemporary dance at Union Station to a pop-up museum in La Alma/Lincoln Park. We're excited that 2017 will host a fresh roster of happenings! Also, the popular family-friendly Box City program will return.
Doors Open Denver is the only public event that celebrates the richness and history of our city's built environment. The program is led by a passionate and skilled Planning Committee and requires eight to twelve months of planning and coordination among multiple stakeholders and partners.
Please check back soon for a printable event guide!


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Make attending
Spring in
For the astronomically inclined you can get as close as it is possible to the moon whilst staying in
Have a hankering to see some of the great buildings of the world but do not have the time or money? Visit Cockington Green and see them in miniature in one afternoon.
Have children that constantly ask why and how? Time at Questacon, the premier hands-on science venue will satisfy the most inquisitive child (and adult as well).
Keen on sport? Take time to tour the Australian Institute of Sport – you just may be shown around by your favourite Olympic athlete.
Or have you ever wondered what it is like to cuddle a cheetah, have your hand licked by a bear or feed a lion? The National Zoo and Aquarium can offer you these and other unique experiences.
Then of course there are those other places of note that should not be missed:
The National Gallery and National Portrait Gallery
The National Library
So come to the conference and stay on to 'see yourself in Canberra'
Registrations are now open


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Professional Coaching: What it IS and IS NOT
Consulting vs Coaching*
Consultants have an agenda and some possible answers and they bring that agenda, and answers, to the client. Coaches have no agenda except to help the client get what he/she wants. The main difference is that the consultant positions themselves as the expert in certain aspects of life, and the coach accepts that the client is the expert and has within him/her the answer to any situation they may face.
Mentoring vs Coaching*
Mentoring involves working with a role model who has "been there and done that" that will "show you how they did it," where as a coach does not use his/her personal experiences as a model for the client. The coach knows the client is the expert on his/her life.
Therapy vs Coaching*+
Therapy is designed to heal the client from something in the past that is affecting them in the present and preventing them from moving forward. Typically therapy examines "why" something occurred. Coaching moves the client from the present to the future by helping the client focus on "how." Therapy's function is to move the client from dysfunctional to functional. Coaching moves the client from functional to optimal.
Sports Coaching v Coaching*
Professional coaching is not based on competition or focused on win-lose scenarios. Coaching focuses on bringing out one's best but not to best someone else. Contrary to sports coaching, professional coaching helps people think and create win-win scenarios for all involved parties.
*iPEC Life & Leadership Potentials Training Workbook Pgs. 9-11
+iPEC Teleclass #4 "Therapy and Coaching"