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Happy Record Release day to the one and only Conor Oberst!!! Another brilliant album!
More of my photos of Conor from over the years: http://www.lindseybest.com/conor-oberst/
All Images Copyright © Lindsey Best. Please do not steal my images without prior consent & proper credit. If you're interested in licensing an image or acquiring a print, please email me.

subset: commoncrawl


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Made in collaboration with Healy Water Operations, this is the ultimate survival bag for the ultimate journey. Designed for a day out on the water but versatile enough for everyday use, the Survival Duffel can be carried as a duffel, a backpack, or a tote. Its frame-style opening offers easy access to gear, while features include an extra-large water bottle/wet pocket, a clear pocket to protect tickets or maps, and backpack straps that tuck away when not in use.
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Vampire Wine Is a Thing Now, Perfect for Halloween
This is almost as perfect as the True Blood cookbook: now you have the perfect wine to pair with that True Blood marathon or spooky Halloween party.
Fox News points out the wines made by none other than Vampire Vineyards, by owner Michael Machat (who says he had the idea to capitalize on vampires and wine in the '80s, way before vampires were cool). What's on the list? Dracula Pinot Noir, Chateau du Vampire, and Trueblood, each ranging from $10 to $30.
Of course, the vineyard also plays up its vampire edge. "Rumor has it that the Vampire Vineyards are actually owned by a circle of vampires, and the company's founder, an entertainment attorney from New York, is actually just a front... We do know however that after satiating themselves for years with their Transylvanian blood of the vine, the powers that be decided to spice things up and migrate westward like so many vampires before them," says the website for Vampire Vineyard. Uh huh....
Those in Los Angeles can stop by the lounge tasting room for a taste; our friends at Snooth have reviewed it as well.


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Dungeon Mastering as a Service
"Remember; the GM is there to be of service―to make players shine. The more they shine, the better and more memorable the game is, and the better a GM you are."― Dan Clark, "Making Players Shine" - Kobold Guide to Gamemastering
This quote is a great one for DM's to keep behind the screen. I think it is a very humbling quote, one that reminds the Dungeon Master that they are at the table to tell a story but also to provide fun for others. The article I pulled this from is a collection of articles composed by Kobold Press, and this issue, in particular, is very interesting, but we will come back to it in a bit.
Let me kick this article off by first describing what I think the Dungeon Master is. In my eyes, a Dungeon Master is a guide, and by that, I mean that they are a facilitator of fun. In my mind, fun should be the DM's end goal; fun for the DM and fun for the players. This importance of fun is so key that I feel if my players are not having an exciting time, not getting the experience they are looking for, then I as a DM am failing my players. This creates interesting problems to solve, and much like the player's characters, the DM probably won't know the "right way" to find fun. The Dungeon Master may zig when they could have zagged for more optimal fun. And that is ok! It is fine for the DM to stumble because as you fail you learn. I personally have had many failed campaigns, and a lot of times the campaign was mostly me trying to learn what is fun for my players.
I can usually tell when my players are having fun, but the harder part is knowing when they are not having fun and are not keyed into the story or their character. Reading your players as a DM will be a future post, so, for now, let's say you caught a cue from a player that for them things are dry. What do you do?
The fact is I am always looking to better my craft, and I am trying to make sure my players feel that the precious time they spend around the table each week is being spent on something fun. So I recently read the Kobold Guide to Gamemastering, in hopes to gain more tips and ideas to start using around the table. What I read in Dan Clark's article was eye-opening to me. I found a new concept, one of those things that are super obvious so you never really thought about them. The idea of providing moments for players to shine at the table.
To high level it, Dan spends the article talking about something he calls "shine moments". These shine moments are moments in which the player interacts with the story or the world and regardless of the outcome, the players are left with a positive experience. This experience does not mean that the interaction itself was positive, but is means that you as a DM have provided a moment to a player that resonates with their personal wants from tabletop role-playing. You could have a player at the table that loves to role-play more than anything in the world. And of the dynamic of the group, that player might not get to role-play as much as they would like. So as a DM, I can set up a situation where that character needs to negotiate a trade deal or talk their way out of legal repercussions. Whatever the case may be, that player got a chance to really flex their role-play muscles and that is what will keep them coming back to the table.
The "shine moment" can literally be anything. The article strongly expresses that it is your job as the Dungeon Master to make these moments shine, it even goes as far as to say that if you implement this properly that then a feedback loop will naturally form. The feedback loop is one of the players start working to do things that they think is cool, and the DM makes the world around that character's actions react in a way that makes the player feel more inclusive and the table can see that and enjoy it. Rinse and repeat. This is a phenomenal mechanism to drive player interaction, keeping meta-thinking levels to a minimum, and keeping people coming back for more.
This, to me, is a pretty cool but obvious concept that I never really thought of. It can create memorable moments, and in some of the more "advanced" ideas of shine moments for players, it can create repercussions in the story. Since reading the article, I have changed my thinking at the table to be more proactive about creating these moments and have come up with a few tricks of my own in order to remember to get each person a shine in each session.
At my table, we use initiative cards, that hang on the DM screen. Throughout each session, if a character has a shine, I put a tick mark on the part of the initiative card on the DM's side of the screen. My goal is to have more shines then the previous week and to ultimately try and make sure that each player gets a shine per session, and never goes more than two sessions without a shine. This way I can make sure that my players are having fun and keep coming back.
That is where I am going to leave it for this week. As always, thank you so much for stopping in and reading. Feel free to comment, I love to read constructive feedback and love discussing topics like these. Check back in next week to see what else I have on my mind or decide to analyze. Remember to follow The DM's Table on Facebook or on Twitter @dmstable for updates and to let me know what is on your mind, or what you might want to read about. Also, go check out Roll with Advantage! It is a Dungeons and Dragons podcast that releases every Monday at 5 pm Eastern Time. We play, laugh, and have a good time playing a game we all love.
― The DM


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Torrey's Topical TextbookPsalm 94:6
They slay the widow and the stranger, and murder the fatherless.
Torrey's Topical Textbook
The Good Samaritan
A Discourse of Mercifulness
Of Civil Government.
Fast-Day Service
Of Evil-Speaking in General.
The Treatise
Little Sins
Rom. xiv. 1, 2
Huss and Jerome.
Huss and Jerome
Fatherless: A Curse on Those Who Oppress
Fatherless: A Type of Zion in Affliction
Fatherless: Blessedness of Taking Care of
Fatherless: Daughters of Zelophehad
Fatherless: God Will: Be a Father of
Fatherless: God Will: Be a Helper of
Fatherless: God Will: Execute the Judgment of
Fatherless: God Will: Hear the Cry of
Fatherless: God Will: Punish Those Who Judge Not
Fatherless: God Will: Punish Those Who Oppress
Fatherless: Let Them Share in Our Blessings
Fatherless: Promises With Respect To
Fatherless: The Wicked: Judge not For
Fatherless: The Wicked: Murder
Fatherless: The Wicked: Oppress
Fatherless: The Wicked: Overwhelm
Fatherless: Visit in Affliction
Fatherless: Wrong Not, in Judgment
LinksBible Concordance • Bible Dictionary • Bible Encyclopedia • Topical Bible • Bible Thesuarus


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Find out why travel insurance should be the first thing you pack for your next holiday – and not just because the government says so*.
When you're getting ready to jet off for an amazing holiday, insurance is probably the last thing you want to think about. And if you've already blown your budget booking flights, accommodation and everything else, why would you want to fork out even more money for travel insurance?
There are plenty of reasons why travel insurance is something every Aussie traveller should consider buying - the biggest of which is that you'll probably spend a lot more out of pocket than you would on insurance if something goes wrong. Let's take a look at some of the reasons you should consider it, and how you can find the right policy for your trip.
*We're not kidding. From the DFAT website: "Sorting out comprehensive travel insurance should be one of the first tasks on a traveller's pre-departure checklist."
Compare travel insurance policies for your next trip
Why do I need travel insurance?
Australian residents took 10,756,890 trips overseas in 2016–17. In a 2016 survey by the Department of Foreign Affairs and Trade and the Insurance Council of Australia, one quarter (24%) of all travellers surveyed experienced a loss on their most recent overseas trip that would be covered by most travel insurance policies. Based on 2016-17 travel numbers, that's a whopping 2.5 million people that could have lodged a claim with their travel insurer.
There are so many reasons why travel insurance is a wise investment, including:
- It covers overseas medical expenses. This is the biggie for most travellers. Once you leave Australia, Medicare doesn't provide any cover. You may be able to access limited subsidised healthcare in a few spots around the world thanks to Reciprocal Health Care Agreements, but for the most part, you're on your own. So if you suffer a serious illness or injury and need medical treatment overseas, you'll need to pay for it out of your own pocket – unless you have travel insurance.
- Those overseas medical expenses can be expensive. And when we say expensive, we mean they could potentially be life-changingly expensive – as you'll see in the case studies below, we're talking tens or even hundreds of thousands of dollars. Even spending a night in a hospital bed overseas can cost almost $900 in some countries, and that's without even thinking about things like expensive surgery or medical repatriation back home to Australia. But cover for overseas emergency medical and hospital expenses is a standard inclusion on nearly every international travel insurance policy.
- You can access 24/7 emergency assistance. When you're in a country on the other side of the world and you need help finding the nearest hospital or maybe an English-speaking doctor, you can phone your travel insurer's emergency assistance line. These hotlines are available 24 hours a day, 7 days a week from anywhere in the world.
- It covers a whole lot of other stuff, too. Even budget travel insurance policies don't just cover medical expenses, with many also covering your personal liability overseas and sometimes trip cancellation. And if you choose a comprehensive policy, you can enjoy cover for an even broader range of benefits – luggage and personal items, travel delay, rental car insurance excess and a whole lot more.
- Accidents and unexpected events can happen at any time. Hopefully your entire trip goes swimmingly and you never need to even think about claiming on your travel insurance policy. But the fact is that no matter where you travel, accidents and unexpected mishaps can always occur. Injury and illness could strike at any time, you could crash your car, thieves could make off with your luggage, you might need to cut short your trip when a relative passes away unexpectedly – any number of unforeseen events can wreak havoc with your travel plans, so it's important to be protected.
- Peace of mind. Rather than worrying about what might go wrong, wouldn't it be great if you could just sit back, relax and enjoy your holiday? Travel insurance gives you the peace of mind you need to do just that, providing a crucial financial safety net for your entire journey.
What should travel insurance cover?
By now you're hopefully convinced that you need travel insurance. The next step is working out what you want your policy to cover.
While the type and level of protection you want is really down to personal preference, there are a few key areas you should remember to focus on:
Overseas medical expenses
Medical costs are one of the most common causes of travel insurance claims. They also usually account for the most expensive claims, as the cost of overseas hospital accommodation and treatment can be significant. And if you require medical evacuation back to Australia, the total cost could run into the hundreds of thousands.
Without travel insurance, you'd need to cover those expenses out of your own pocket. Most of us don't have a spare hundred-grand or more lying around in case of emergency, so the consequences of failing to insure could be catastrophic.
Just how much could travel insurance save you? Let's check out a few real-life examples.
Trip cancellation and disruption
One of the key things you'll need to do when travelling is accept that there are a myriad things that are out of your control. No matter where you are in the world, any number of unexpected events and scenarios can interrupt your trip or even force you to cancel it altogether. These reasons include severe weather, natural disasters, terrorism, the illness or death of a loved one, or a wide range of other incidents.
If your trip is interrupted or delayed, you could potentially face additional accommodation, meals and travelling expenses. If you have to cancel your trip, pre-paid deposits may be lost and many travel providers will also impose their own cancellation fees.
For example, let's say you've booked a 10-day holiday in Paris, spending $2,500 on flights and $1,500 on accommodation. But when you're injured in a car accident three days out from your trip and deemed unfit to travel, you're forced to cancel your holiday – leaving you $4,000 out of pocket.
However, these costs can be covered by your travel insurance policy. Just make sure to purchase a policy as soon as possible after booking your trip, as this means you'll be covered for trip cancellation costs straight away.
Luggage and travel documents
If your luggage or personal items are lost, stolen or damaged overseas, not only is it incredibly inconvenient but it can also be quite expensive. For example, if your brand-new 12.9-inch iPad Pro was stolen from your bag, where would you find the $1,199 needed to replace it?
Without travel insurance, the cost of repairing or replacing those lost or damaged items would fall to you; with travel insurance, your insurer provides the necessary financial assistance to cover your expenses.
Once you have cover in place, you have the peace of mind you need to simply enjoy your holiday and not worry about hotels, airlines or thieves causing a baggage bungle. Be warned, however, that there'll be no cover for theft if you leave your luggage unattended in a public place.
Extreme activities
50% of insured Australian travellers engaged in risky behaviour on their last overseas trip. Of those people:
- 16% did water sports. Of those, 55% were not definitely covered and 51% did not check their policy to find out whether they were covered.
- 10% rode a motorcycle/moped. Of those, 63% were not definitely covered and 47% did not check their policy to find out whether they were covered.
- 10% did adventure sports. Of those, 52% were not definitely covered and 45% did not check their policy to find out whether they were covered.
- 6% did winter sports. Of those, 58% were not definitely covered and 41% did not check their policy to find out whether they were covered.
If you're a thrill seeker and you love nothing more than getting your adrenalin pumping while on holidays, you'll need to make sure those activities are covered by your travel insurer. While many high-risk activities aren't covered as standard, most policies allow you to buy additional cover for things like snow and adventure sports.
It's also worth checking whether your insurer will cover you if you ride a motorbike or scooter. Two-wheeled transport is the easiest way to get around in some popular destinations, and the good news is that travel insurance can cover you for claims resulting from motorcycle accidents. However, you'll need to make sure you satisfy the policy terms and conditions, such as holding a current Australian motorcycle licence or a licence valid in the country you are in.
Car rental excess
Hiring a car provides a simple and convenient way to get around while on holiday. Unfortunately, if you're involved in an accident or if that car is stolen or maliciously damaged, you'll be slugged with a hefty excess charge by the hire company. This amount varies between companies – it usually starts around $3,000 but could be more than $5,000 in some cases.
That's a significant amount of money to have to pay out of your own pocket, so choosing travel insurance that covers car rental excess can provide crucial financial protection for your trip.
If you're responsible for causing bodily injury to someone else or for damaging someone else's property on your holiday, you could find yourself being sued for damages or compensation. Your liability for damages, compensation and legal fees could total hundreds or thousands of dollars, while the cost of an attorney in the United States, for example, could cost you anywhere between $200 and $1,000 per hour.
The vast majority of policies include personal liability cover as standard, often up to $2.5 million or more, which could be a financial lifesaver if you find yourself in trouble overseas.
Case studies: Medical claims made by Aussies overseas
Here are some examples of
Travel Insurance Direct
Where: United States
What: A 23-year old Victorian woman had a really severe case of appendicitis – so bad it had gone gangrenous! This resulted in some serious time in intensive care, surgery and a high level of post-operative care.
How much: $199,721.75
When: 2016
Where: Bali
What: A 75-year-old traveller faced extensive medical bills due to the need for a repatriation to Australia.
How much: $150,000+
Where: Switzerland
What: After being involved in a road accident, an Australian traveller faced significant medical bills and the cost of repatriation to Australia.
How much: $54,000+
Fast Cover
Where: USA
What: Cruise ship accident. Overseas emergency medical treatment, medical evacuation from cruise ship and repatriation back to Australia.
How much: $81,735.95
When: 2015
Where: France
What: Skiing accident. Emergency medical evacuation, overseas medical treatment and hospital expenses, cost of flying parent to be with insured.
How much: $41,215.55
When: 2015
Where: Indonesia
What: Accident. Emergency transport, overseas hospital expenses, repatriation home to Australia and reimbursement for unused prepaid travel arrangements.
How much: $23,684.59
When: 2015
Columbus Direct
Where: USA
What: Premature birth (care of the newborn and mother)
How much: $630,000
When: 2014
Where: Greece
What: Respiratory infection (linked to a pre-existing condition)
How much: $270,000
When: 2014
Where: Japan
What: Skiing injuries
How much: $120,000
When: 2016
Does travel insurance offer value for money?
To decide whether travel insurance is worth the expense, you'll first need to figure out how much it actually costs. Of course, the premium is influenced by a wide range of factors, including:
- Where you travel
- The length of your trip
- The age of travellers
- The level of cover you choose
For example, let's assume you're a 40-year-old planning a 2-week holiday to the United States. Using the finder.com.au travel insurance quote engine we can work out that:
- Fast Cover Basics travel insurance costs $40.70
- Fast Cover Standard Saver travel insurance costs $71.50
- Fast Cover Comprehensive travel insurance costs $84.90
Prices correct as at 15/11/17
Compare that to the cost of a hospital bed for even a single night in the United States, and you'll realise how important it is to cover yourself if something goes wrong.
Since costs vary widely, enter the details of your trip into our quote engine to find out how much your actual premiums will be. You can then compare quotes from a variety of leading insurers and determine the benefits available for the price on offer.
Is it just a rip-off? I've heard about claims being rejected
Most of us have heard one or more horror stories about travel insurers rejecting expensive claims, leaving unfortunate Aussie travellers stranded and significantly out of pocket. As a result, you've probably also heard some people label travel insurance a "rip-off" or a "waste of money".
It's a surprisingly widespread view and may go some of the way towards explaining why in a 2017-18 survey by DFAT and the Insurance Council of Australia, 11% of people surveyed had travelled outside Australia without any insurance in the previous 12 months.
However, in most cases, there are very valid reasons why insurers refuse claims, and those reasons have nothing to do with ripping you off.
So, why does travel insurance have a bad reputation? There are a few factors:
- Some people don't understand how their policy works. Far too many people have unrealistic expectations of what their policy covers. Remember, travel insurance is there to protect you against unexpected mishaps and disasters, not against problems that could've easily been avoided. With this in mind, it's essential to read the PDS to find out what your policy won't cover, such as:
- Claims that arise because you're drunk or under the influence of drugs
- Claims caused by you breaking the law
- If you travel against medical advice
- If you visit a country for which the Department of Foreign Affairs and Trade (DFAT) has issued a "Do Not Travel" advisory
- If you cancel a trip because you change your mind
- Some people pay for cover they don't really need. Are you fully aware of everything your policy covers? For example, are you paying for car rental excess insurance when you don't plan on renting a car? Have you included optional snow sports cover even though you'll just be travelling to the snow, not actually hitting the slopes?
- Some people don't take full advantage of the benefits available. Some travellers are unaware of the range of benefits included in their policy and so don't take full advantage of the cover available. These include free cover for children on family policies, car hire excess cover, 24/7 emergency assistance and cover for pet boarding costs if your return home is delayed by circumstances beyond your control.
- Some people don't understand that travel insurance is there as a safeguard. Travel insurance is there to protect you against a wide range of worst-case scenarios including medical emergencies, rental car accidents and stolen luggage. While it may not provide a high level of cover for smaller claims – for example, if you make a claim when $100 is stolen from your wallet, after paying the $100 excess you won't receive any payout – it can make a huge difference in those situations that could potentially cost you lots of money.
Travel insurance still widely misunderstood by Australians
A 2017 Survey of Australian Travel Insurance Behaviour revealed some alarming details about just how little many Australians know about travel insurance:
- 87% of travellers were uncertain about what countries their travel insurance covered. When buying a policy, be aware that travel insurance policies do not cover all destinations as standard.
- 87% of travellers were uncertain about whether they would be covered to ride a motorcycle overseas. Note that you typically won't be covered if you don't have a valid motorcycle licence or if you are not wearing a helmet.
- 82% of travellers were uncertain about the coverage of mental health conditions. The reality is that many policies exclude mental health conditions.
- 70% of travellers were uncertain about claims for an incident in which alcohol or drug use was involved. Check the list of general exclusions – claims that arise because you were under the influence of alcohol or drugs will not be paid.
What about domestic travel insurance?
One of the main reasons people get travel insurance is because it covers international medical expenses. But if you're only travelling in Australia, your healthcare costs can be covered by Medicare – so do you really need to bother with travel insurance?
The answer really comes down to personal preference. While it's true that you don't need protection for expensive medical costs, the other benefits domestic travel insurance provides shouldn't be sneezed at. These include cover for:
- Cancellation costs
- Theft
- Lost, stolen and damaged luggage
- Luggage delay
- Delayed flights
- Rental car insurance excess
- Personal liability
These risks are just as prevalent in Perth as they are in Peru, Paris or Phuket, so the financial protection domestic travel insurance offers can be crucial. Carefully consider the trip you have planned and the financial consequences should something go wrong before deciding whether you need insurance.
How can I save money on travel insurance (and get value for money)?
Want to make sure your travel insurance is worth every cent? Remember the following tips:
- Don't buy a policy just because it's cheap. Price will also be a consideration when choosing a policy, but it shouldn't be the only factor you take into account. If the cost of cover sounds too good to be true, it may be exactly that.
- Check what's covered and the benefit limits. To determine whether a policy really offers value for money, check the table of benefits to find out what's covered and to what limit.
- Read the list of exclusions. Next, check the list of general exclusions to find out what's not covered, and make sure you're fully aware of the events and circumstances that will cause your claim to be refused.
- Compare your options. Don't just buy the first policy you find; shop around and compare policies from a variety of insurers to lock down the best deal.
- Disclose pre-existing conditions. Declare any pre-existing medical conditions to your insurer if they are not automatically covered. This will allow the insurer to pre-assess you and decide if they can cover your pre-existing medical conditions beforehand. While this may result in a higher premium, it's a much better alternative to having your claim refused altogether.
- Buy extra sports cover. Want to go paragliding, rock climbing, or participate in any other extreme sport? Make sure your policy covers adventure activities.
- Increase valuable item limits. Be aware of any sub-limits that apply to your luggage and personal items – for example, while your insurer may offer $3,000 cover in total, it may limit the maximum it will pay for any individual item to $500. This could be insufficient to replace valuable items like smartphones and tablets, so check to see whether there's an option to increase the limit for specified items.
- Take advantage of discounts. Multi-policy, loyalty and buy online discounts can cut the cost of premiums, while travel insurance coupon codes can also help you save.
- Don't buy from a travel agent or airline. Policies purchased from airlines and travel agents are significantly more expensive than policies purchased direct from the insurer online.
- Consider a multi-trip policy. Buying a single-trip policy for every individual trip you take can become expensive. If you're a frequent traveller, you can save money by purchasing annual multi-trip cover that covers all your journeys for the next 12 months.
- Choose a higher excess. Are you discouraged from buying travel insurance by the fact that you're paying for something you may never use? By increasing the excess payable at claims time, you can enjoy a cheaper premium, meaning you'll only take a bigger financial hit if you actually need to claim.
- Use common sense at claims time. If you need to make a claim, get in touch with your insurer as soon as possible. Time limits apply to when you can claim, and you should also make sure to promptly provide any documentation requested by the insurer to support your claim.
Check out our 10 hot tips to help you save on travel insurance to get more bang for your buck.
Why shouldn't I just stick with my credit card travel insurance?
While credit card travel insurance has the benefit of being free (or at least only cost you what your annual fee does), it does have its shortcomings. They include:
- Lower benefit limits. Credit card travel insurance typically offers lower benefit limits than a standalone travel insurance policy. For example, cover for overseas medical expenses is capped at $500,000 while many standalone policies offer unlimited protection.
- Limited trip duration. Credit card travel insurance often has a maximum trip duration of around 90 days
- Higher excess charges. You excess charges are usually higher when you make a claim on credit card travel insurance.
- Most pre-existing conditions are not usually covered. Credit card travel insurance usually excludes all pre-existing conditions from cover.
- You must pay for the trip with your credit card. In order to activate cover, you'll need to purchase your trip with your credit card.
Taking out a standalone policy is recommended in order to overcome the shortfalls that come with credit card travel insurance. Have a look at our detailed pros and cons of credit card vs standard travel insurance if you're not convinced.
The final word: Is travel insurance worth it?
Whichever way you look at it, buying or going without travel insurance is a gamble. If you buy cover for your trip, there's every chance that you won't actually have to use it. This could make travel insurance seem like an unnecessary extra expense, and the money you put towards your premium could have been better used as holiday spending money.
But what if something did go wrong on your trip? What if you crashed your rental car, had all your luggage stolen, or experienced a medical emergency? Without travel insurance, those events could cost you thousands of dollars and even have life-changing financial consequences. In DFAT and the Insurance Council of Australia's 2017-18 Survey of Australians' Travel Insurance Behaviour, "13% of those without insurance expected the Australian Government would contribute to medical expenses (it does not)."
This is why travel insurance is such a wise investment. While it's impossible to predict what the future holds, travel insurance gives you the peace of mind that comes with knowing you will be protected no matter what life throws at you. Start comparing policies today to make sure you're covered for your next trip.
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This morning, Maxim Koretskyi reached out to let us know that he is sick and will unfortunately not be able to join us at NG-BE 2018.
He is very sorry about the inconvenience and would love to join us at an upcoming edition of NG-BE. We hope Max gets well soon!
As a result, we are very grateful that Kwinten Pisman will replace Maxim with a fabulous talk on Angular in a Microservices World in which he will bring an opinionated view on how Angular can be leveraged to create and promote the use of small reusable pieces of (UI) logic on top of a microservice architecture using Nx from Nrwl!
Thank you, Kwinten!! 🏆


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Pastor Hammond
In Luke 2:16, the Bible says that the shepherds "came with haste" to see Christ at Bethlehem. They must have been hastened by their knowledge that the message of the angel who visited them was perfectly consistent with all the Messianic prophesies of the Hebrew scriptures (our Old Testament). It was possible for them to know that Christ was the prophesied Messiah – and it's just as possible for us to know today!
1. The True Messiah has to have the RIGHT PARENTS
A. First, he had to be born of a woman
Prophesy: Genesis 3:15 And I will put enmity between thee and the woman, and between thy seed and her seed; it shall bruise thy head, and thou shalt bruise his heel.
Fulfillment: Matthew 1:18 18 ¶ Now the birth of Jesus Christ was on this wise: When as his mother Mary was espoused to Joseph, before they came together, she was found with child of the Holy Ghost.
B. He had to be a descendant of King David
Prophesy: Isaiah 11:1 records that the Messiah would be descended from Jesse -- the father of King David. "And there shall come forth a rod out of the stem of Jesse, and a Branch shall grow out of his roots."
Fulfillment: The Bible records the lineage of both Mary and Joseph -- tracing both directly to David! Luke 3 records the lineage of Mary; Matthew 1 records the lineage of Joseph.
Also see Revelation 22:16 I Jesus have sent mine angel to testify unto you these things in thechurches. I am the root and the offspring of David, and the bright and morning star.
C. The messiah's birth had to be a miraculous, virgin birth!
Prophesy: Isaiah 7:14 Therefore the Lord himself shall give you a sign; Behold, a virgin shall conceive, and bear a son, and shall call his name Immanuel.
Fulfillment: Luke 1:34 Then said Mary unto the angel, How shall this be, seeing I know not a man?
2. The true Messiah has to have the right PLACE of birth (Bethlehem)
Prophesy: Micah 5:2 But thou, Bethlehem Ephratah, though thou be little among the thousands ofJudah, yet out of thee shall he come forth unto me that is to be ruler in Israel; whose goings forth have been from of old, from everlasting.
Fulfillment: Matthew 2:1 Now when Jesus was born in Bethlehem of Judaea in the days of Herod the king, behold, there came wise men from the east to Jerusalem,
3. The True Messiah had to born at the right POINT in time
In Daniel 9:25-27, the prophet predicted that 483 years would transpire between the call to rebuild Jerusalem (after the Babylonian captivity) and the cutting off (or crucifixion) of the Messiah. That prophesy yields a date of approximately AD 33 – which is consistent with the crucifixion of my Lord and Savior, Jesus Christ!
At the manager in Jerusalem, we see a Messiah who had the right parents, in the right place at the right time ... exactly as the Hebrew prophets had predicted under the inspiration of the Holy Spirit of God.
But… what about the PURPOSE? Why did he come?
- Romans 3:23 "For all have sinned, and come short of the glory of God."
- Romans 6:23 "For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord."
- Romans 5:8 "But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us."
- Romans 10:9-11 "That if thou shalt confess with thy mouth the Lord Jesus, and shalt believe in thine heart that God hath raised him from the dead, thou shalt be saved. For with the heart man believeth unto righteousness; and with the mouth confession is made unto salvation. For the scripture saith, whosoever believeth on him shall not be ashamed."
- Romans 10:13 "For whosoever shall call upon the name of the Lord shall be saved."
The wise men came to Christ "with haste." Isaiah – the same Hebrew prophet who predicted the virgin birth of Christ also wrote, "Seek ye the LORD while he may be found, call ye upon him while he is near" (Isa. 55:6). Do you know Christ as your personal savior? If not, seek him with haste! Today is the right place and time to receive the One who came at prophesied place and time! Fall upon your knees and turn from your sins and place your faith in Christ alone for forgiveness.
"... unto us a child is born, unto us a son is given: and the government shall be upon his shoulder: and his name shall be called Wonderful, Counsellor, The mighty God, The everlasting Father, The Prince of Peace." Praise God that believers may look forward to the time that Christ will rule from Jerusalem. "Of the increase of his government and peace there shall be no end, upon the throne of David, and upon his kingdom, to order it, and to establish it with judgment and with justice from henceforth even for ever. The zeal of the LORD of hosts will perform this." (Isaiah 9:6-7)
Please see this short article: Why do I need Jesus since I already believe in God?


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"Do you think they're hiding the food on purpose?" my friend Katie whispers as we huddle under twinkling lights. We're both clutching glasses of mediocre rosé.
"Probably. They want everyone to get tipsy before the bidding starts," I smirk, adjusting my dress. Most of the women are wearing floppy hats to fit the Kentucky Derby theme, but our fascinators are undeniably cuter. Katie found them on Amazon for $10, along with matching suspender and bow tie sets for our husbands (who, surprisingly, did not complain).
The alcohol is flowing and there is no food in sight. This is my first PTA auction and it feels like a scene straight out of Big Little Lies. Better steer clear of the staircase.
"Let's go, folks! We're here to support the kids! Bid high and bid often ... " a deep voice booms over the speakers.
I loop my arm through my husband's, and we wander over to the auction table.
"Think we could get anything for twenty bucks?" I ask with a wink.
They save the big items for the live bidding, but the silent auction is pretty legit: braces for your kids, cases of wine, concert tickets, spa baskets, a staycation at a local hotel.
"Should we bid on the hotel?" my husband asks.
"You know we'll lose," I roll my eyes, "... but sure, why not?"
He scribbles $200 on the hotel bidding sheet, but we both know someone will offer 4x that by the end of the night, especially at the current wine to (lack of) food ratio. The next item we pass is a lice removal service, and I scratch my arms reading the description.
"Let's put Luke and Katie's bidding number on that one," I giggle, elbowing my husband in the ribs. I need some bread.
I scoot to the next item, which quickly catches my eye: a $100 gift certificate toward Dream Enrichment Classes. The flyer outlines a series of programs for kids, including one called Little Engineers. My eyes light up. Our son Everett loves to build—marble runs, magna tiles, LEGOS, tunnels out of paper towel rolls—you name it, he'll build it.
I scribble a figure on the form, and at the end of the auction, it's the only thing we win.
"I have something for you," my mom says, disappearing into a closet.
She returns seconds later holding a cardboard box filled with artifacts from my childhood.
"I'm probably just going to throw this all away ..." I caution.
She shrugs at my warning as I toss the box in the trunk of my car. This isn't the first time she's handed me a box of vintage toys and faded school projects. As an aspiring minimalist, I'm usually more concerned with where I am going to put the box than what's inside of it.
Once home, I bring the box inside, place it on the kitchen counter, and dig into the contents while heating up leftovers for lunch.
Underneath the Leonardo DiCaprio book (yes, I said book), rests a small stack of signed posters from Melissa Joan Hart, or—as most of us know her—Sabrina the Teenage Witch. I remember sitting on the floor of my bedroom at nine years old copying addresses out of BOP magazine so I could send fan mail directly to my idols. (That was before you could stalk celebrities on Instagram—it was a different time.)
But the real gem I find in the box is a bunch of tiny pages ripped out of a Hello Kitty notebook.
Dear Diary,
Sorry this is sloppy! Today was great! My friend has the address of J.T.T.! She's going to give it to me! I also went shopping today and got deodorant. I feel so grown up!
Bless. I continue to sort through diary post-its, old photos and class projects. The very last thing I pull from the box is a certificate, placed face down at the bottom. I turn it over and smile at what I've found: a Young Authors' Award.
My maiden name looks foreign for a split second, as I run my fingers across the attached gold ribbon. I silently thank my mom for preserving something so precious: a sliver of proof that I've always loved to write.
I'm sitting on the bed folding a pile of laundry when I hear the cry. I don't even have to look up to know what's wrong.
"It's not working!" Everett wails, running into my room.
Two minutes ago, he was happy as a clam assembling a new LEGO set he got for his birthday.
"What's not working?" I ask.
"The wheels," he sniffles, "They're supposed to turn, but they're not turning!"
I take the monster-truck-in-progress out of his hands and wipe his face as we sit down on the corner of the rug in my bedroom to assess the situation. Sunlight bounces off the floor and makes one lone tear on Everett's cheek look like a piece of glitter. I wonder if he's going to give up. Will this be the point of frustration that drives him to abandon LEGOS once and for all, like the forsaken stack of crumpled drawings he could never get quite right?
Upon closer look, we figure out the wheels are simply on backwards and need to be turned around. Relief washes over his face and 30 seconds later, he is all smiles again. He disappears for the rest of the afternoon, determined to finish building it on his own.
Later that evening, I step on a LEGO piece left on the rug. I curse under my breath and place the extra piece on my vanity table, where it sits for three whole days. By the time I notice it again, I don't have the heart to tell Everett his monster truck is missing a piece.
I quietly slip it into his memory box for safekeeping.
I am sitting on my couch going down a rabbit hole on Instagram. Another popular website has shut down and that makes eight (that I know of) in 2018. The emails keep coming. Some have sold to new owners while others have straight up folded.
One editor confesses to me: We still believe so strongly in the vision for the project, but with big powerful media outlets closing down left and right, it became clear that we could go all in with this and still not achieve the level of success we would need to make a return on our time investment. We were working so hard but we ran out of money to pay writers, and we hated asking people to write for free.
I nod. I understand.
Over the past four years, I have felt pressured—more than once—to turn this space into something I never wanted it to be. Well-meaning people have encouraged me to switch strategies, to be more competitive and aggressive here.
It has not always been easy to say no.
It has cost me more than money.
Every time I see a website fold, I think of what it would feel like to be the person who started the website. I think of the hundreds (thousands?) of hours spent creating that space. I think of what it would feel like to give up a dream. I think of what it would feel like to stand on the sidewalk and watch something you love float into the sky like a helium balloon.
I can barely stand the thought, which is why I'm still standing here with white knuckles around my string.
"Mommy I worked soooooo hard on this," Everett tells me, clicking the last LEGO into place on some kind of dinosaur transformer. The age on the box says 7-12.
"You know," he continues, "just like you and your book."
I smile at the comparison. I think of all the months we spent writing and editing and worrying and praying. I remember the time I cried in the Chick-fil-a drive-thru. I think of all the nights I laid awake at 3 a.m., analyzing every word, every comma, every potential future Amazon review. I think of all the dreaming, all the writing, all the planning, all of the hours upon hours of work that took place before the words "book deal" were ever muttered.
I think of the 20 minutes my five-year-old has been working on that LEGO set, and how sweet it is that he thinks our accomplishments are the same. I think of how much I love chasing my dream right beside him—side by side, word by word, piece by piece.
I wonder if Everett will roll his eyes when I hand him a memory box 30 years from now. I wonder what he'll grow up to be … will the LEGO piece mean anything to him?
Time will tell.
For now, we're just going to sit here, together, and keep building things.


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Northpoint draws bi-partisan support
Northpoint Technology on Thursday got a show of support from four Senators, who sent a letter to FCC Chairman Michael Powell asking him to quickly process Northpoint's application for exclusive national access to satellite spectrum for terrestrial video and data services.
"Our constituents need and deserve the same viewing options and broadband services that are available in more populated regions of the country," wrote Senators Conrad Burns (R-Mont.), Ted Stevens (R-Alaska), John Kerry (D-Mass.) and Daniel Inouye (D-Hawaii). "Northpoint's terrestrial wireless service can meet the unique needs of our constituents by providing much needed competition to cable service as well as high-speed Internet access service."
On the House side, eight additional members of the Congressional Black Caucus sent a similar letter to Powell, following up a letter that 21 members of the caucus signed last week. Powell on Tuesday told a House Appropriations Subcommittee that there were still many issues to sort out with regard to Northpoint and didn't expect a decision on the licenses until this fall at the earliest. - Paige Albiniak


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Bali is easily my favorite place in the world. It's a yoga mecca, has beautiful beaches and surf, amazing jungle hikes, and delicious healthy food. I loved it so much the first time I went, that I ended up going twice in the same year, and ended up spending over a month in Indonesia in 2016. After traveling to Bali, I typed up a travel guide, and over the past few months I've shared this travel guide with so many friends, yogis, family, and coworkers (over 100 people), which inspired this blog. I hope you enjoy my recommendations!
How to plan your trip:
Fly into Denpasar, go straight to Uluwatu/Bingin, spend a few days there, that's where the best surf is (reef break). Then go to Canggu for 2-3 nights, this is a hipster surf and yoga town with an easier beach break. Then taxi to Sanur and take a fast boat (Rocky Fast Boat) to Nusa Lembongan Island (surf) or the Gili Islands (party) for about 2 days. End your trip in Ubud, which is the yoga capital in the rainforest.
Overall tips:
- Don't spend much on places to stay unless you want to stay at nice resorts. You can airbnb a villa for around $80 a night. Most of the places I stayed were only like $20-$50 max and they were perfect!
- Start in Bingin/ Uluwatu (close to airport, go to Canguu after because it's nearby)
- Avoid: Kuta/ Seminyak - both are pretty trashy and touristy
- Get around by scooter, don't let the taxi drivers rip you off. Should never cost more than 25/30 to get from town to town or from the airport to where you are staying. Always make sure to negotiate your rate before getting in the taxi.
- Eat local food from the side of the road. It looks sketchy but it's not and it's so cheap and delicious!
- Fly EVA Air if possible
VIBE: Bali in a nutshell, best surf, surf/ beach-centric area, start trip here, prettiest beaches. You'll rent a scooter and scoot around from Bingin to Uluwatu. Uluwatu has the best surf scene and party scene at Single Fin, and Bingin is the best place to chill on the beach by Kelly's Warung.
MUST GO: Single Fin - Sunday session at sunset time, the best party in Bali. Kelly's Warung is a must-go in Bingin for a chill beach day and a delicious breakkie or lunch.
STAY: Stay in Bingin, Kelly's Warung is a great spot where Jordan and I stayed, right on the beach. I think it was like $19/night. ask for the ocean view room and make sure to email so you can book in advance! it's so amazing, if you look at my instagram (@sanfranciscoyogi) you will see the view from our room. Jordan woke up every morning and just cruised paddled out in front of our room to surf, and I would walk up to the Temple Lodge to practice yoga. Other great and more nice/expensive places to stay are Uluwatu Surf Villas and Temple Lodge.
FOOD: Cashew Tree & Kelly's are my favorite chill spots. You can hang out at Kelly's all day and drink smoothies and hang at the beach. I also love Buddha Soul for a super healthy lunch. Yummm. Go to Cashew Tree on Thursday for dinner and live reggae.
VIBE: Hipster, young beach surf and yoga area, I would live here, cool art, rice paddies. It's a beach break and there's an amazing yoga studio called the Practice. The coffee shops and lunch places are amazing, and there's a huge Australian scene here.
OVERALL AREA: There is a main drag to the beach with cute shops and some organic cafes (Crate Cafe is so amazing and healthy you'll die). Deus has a big shop/cafe which is cool too. You can easily get to Seminyak for a night out (I'd cab there) There is good local food scattered about. It's a beach break, but it's firing! The waves are small in front for beginners or first-timers but there is also a bigger break by Echo Beach.
GOING OUT: Old Mans (MUST GO)- on the beach, tons of cool art, great bands play on Fridays. They have Happy Hour every day (half off drinks) from 4-6pm. Deus Temple (they have a Sunday party with live music - so fun and movies under stars on Thursdays).
STAY: Anywhere on the main street where Old Man's is (the street is called Pantai Batu Bolong). Coconuts Guesthouse was AMAZING! Stay here if possible - it's cheap, beautiful, centrally located, and
EAT: Shady Shack (must), Milk & Madu, Old Man's, Crate Cafe for brekkie
YOGA: Go to The Practice! Beautiful Bamboo studio, honestly the most beautiful yoga studio I've been to in my life. Take a class with Wanda, she is fantastic, and Octavio is the owner - he reminds me of Russell Brand from Forgetting Sarah Marshall.
VIBE: Beautiful island off of Bali with locals everywhere and great surf at a surf break called Shipwrecks
MUST DO: You absolutely must go on the manta ray snorkeling trip. It was about $15 USD for a few hours of snorkeling around the island by boat. We got to swim with massive manta rays and it was easily the coolest thing we did.
TO DO: Rent a scooter and scoot around the ENTIRE island. so many cool places to explore. We went on a soot ride through the jungle and just stopped at local eateries on the side of the road and ate all of the local dishes. there's also a surf break called Playgrounds, you take a boat out to the surf break and theres a floating playground and bar behind the break on the ocean. So if you have a friend or travel companion who doesn't surf, they can hang out there while you surf!
EAT: WARUNG BUMBU for dinner. omg. Get the whole fish... it's right on the beach and all the surfers hang out there and drink beer and eat amazing fresh cooked fish.
STAY: We stayed at a place called Agus Shipwrecks. It was chill, nothing special at all but it was literally right in front of the surf break so it was convenient for Jordan to just paddle out front.
VIBE: Such a magical yoga and jungle place, gorgeous rice paddies, yoga/ spiritual/ soul-searching vibe, tons of organic restaurants and things to do, great shopping and cheap good spas.
MUST DO: YOU MUST go take a class at Ubud Yoga House and then walk to Sari Organik for breakfast or lunch afterwards. MUST!!! It's a beautiful walk through a field of rice paddies, the studio is super cool, and Sari Organik is this amazing restaurant on a farm, and all the food is insane.
TO DO: Look up Cambutal Ridge Walk, it's a great short hike to go on. If you have time, hire Authentik Bali Trekking to go on a day trek into the untouched rice paddie fields and waterfalls. This was one of Jordan's favorite activities, because we trekked with a local through local villages and towns. I also would recommend going on the short nature walk to Karsa Spa... it's a beautiful hike with amazing views, and when the hike is over, you end up at this AMAZING spa that's so cheap, and has a beautiful place to eat a meal on a rice paddy field.
EAT: Kafe, Atman Cafe, Alchemy Cafe
STAY: Sri Bungalows - well priced in the center of a field of rice paddies, clean, free breaky and so central on Hanoman st and also a short walk to Yoga Barn. Also has a beautiful pool! I also stayed AT Yoga Barn for the last part of my trip and had a magical experience there. Met a lot of cool yogis and did yoga every day. You can also stay outside of Ubud in a jungle hut, just make sure you rent a scooter so you can get into the city center easier.
VIBE: Parties, lots of people, beautiful turquoise water, insane beaches, sunsets every night, cocktails
TO DO: Rent bikes and just bike around the island during the day. Lots of cool shops. You must go to Ombok Sunset, or any sunset bars on the sunset side of the island, find the sunset swings and take good sunset swing pics with a cocktail in hand... so fun :) Also I would recommend doing a snorkeling tour of all 3 islands (Gili Air, Gili Meno, and Gili T). Don't go on one of the huge group trips, pay the extra $10 to ask for a private boat... so much better! We swam with turles and saw beautiful fish, it was so fun.
EAT: Go to the night market! Find the main lady in the middle, where you can pick out an entire tray of food and it ends up costing about $2. So yummy.
STAY: Stay at Le Pirate!!!! Seriously so worth it, it's the best place on the entire island. Book in advance. I fell in love with this place, it's so dreamy, and it's on the best side of the island where the sunsets are.
Enjoy and let me know if you have any questions!


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Call our team for more information about our services and costs
0330 024 9910
Cornwall, West and South West of England
Qualifying as an occupational therapist in 1993, Val specialises in housing & equipment and rehabilaition for adults. She is based in Cornwall and will travel across the UK, completing assessments with clients in their own environment. Val is an accredited Best Interests Assessor (BIA), having developed sound knowledge of the legislation to support clients, families and Local Authorities.
Val's experience is in working with adults with a variety of physical and mental health needs, providing equipment and adaptations to homes to promote independence and safe living conditions. This includes completing BIA assessments, where Val requires knowledge of both the Mental Health Act and the Deprivation of Liberty Safeguards assessments and applications. She also carries out Disabled Facilities Grants (DFG) assessments.
To continue her professional development, Val has completed postgraduate training including courses in counselling and therapeutic listening. She also keeps up to date with the current legislation and policies surrounding her work.
Occupational Therapy
Yorkshire and Lincolnshire, West Midlands, East Midlands, West and South West of England, Bristol, Cornwall, Devon, Isles of Scilly, Bristol, Plymouth, Salford
Housing and Equipment, Vocational Rehabilitation, Functional rehabilitation, Neurological rehabilitation
AMPS, BIA, Therapeutic listening
Counselling, DFG Assessments, Fatigue management, Motivational issues, Daily living skills, Community access
Plymouth, Somerset
Suzi qualified as an occupational therapist in 1996 and has spent her career working with adults and children in a variety of clinical settings. She specialises in rehabilitation, assessing her client's functional, neurological and vocational rehabilitation needs. Based in Plymouth, Suzi works in South West England and travels to homes in Barnstaple, Exeter, Dartmouth and Newton Abbott.
Having worked in private practice for many years, Suzi has gained extensive experience working with a range of clients. This includes managing medical conditions such as cerebral palsy, amputation, brain injury and mental health diagnoses. Assessing in the home environment, Suzi provides her client and their family advice and support, including a treatment plan which outlines recommendations and therapeutic intervention required to help the client regain their independence.
Suzi has experience working with clients with complex postural difficulties, identifying pieces of specialist equipment to support postural alignment and offer advice on safe moving & handling within the home and community. She also offers therapeutic support to clients dealing with the frustration that goes along with a life changing event, including clients with anxiety and low mood.
Alongside her clinical OT work, Suzi works as an independent case manager, providing services for adults and children living with complex brain injuries and/or physical disabilities.
Occupational Therapy
West and South West of England, Cornwall, Devon
Paediatrics, Vocational Rehabilitation, Seating and Postural management, Functional rehabilitation, Neurological rehabilitation
Daily living skills, Self care, Postural management, Wheelchair accreditation
Somerset, West and South West of England
William is a highly regarded Occupational Therapist specialising in Neuro Rehab. He is based in the South West of England and experienced in working with clients with acquired brain injury.
William has experience in supporting clients along the whole rehab pathway; from the acute stage of their injury onto slow stream rehabilitation and long-term community rehabilitation.
William uses a range of person-centred approaches and techniques to overcome the cognitive, physical and behavioural difficulties associated with the client's injury. William has extensive experience in training carers, families and therapy staff on individual rehabilitation programmes and therapeutic approaches. He is confident at working with clients' subtle yet significant difficulties and can tailor his approach to maximise their rehabilitation potential.
William is a member of the Royal College of Occupational Therapists including specialist sections for independent practice and neurological practice.
The Vale of Glamorgan, West and South West of England
Qualifying as an occupational therapist in 2001, Ellie has spent her career offering expert care and therapy to clients and their families. She is based in Gloucestershire, travelling to visit clients in Wales and the South West of England. Her areas of expertise focus on housing & equipment, as well as seating & postural management for both adults and children.
Ellie has developed a broad clinical knowledge base, working with clients with complex neurological needs and physical disabilities. She has experience in specifying and prescribing specialist equipment and seating, as well as assessing and recommending home adaptations to benefit the client and encourage independence. She liaises closely with the wider support network of her clients, including families, carers and other professionals.
She has worked on various contracts and cases via The OT Practice, completing Disabled Facilitates Grants (DFG's) and various mobility assessments, including for Blue Badge applicants.
Ellie is committed to keeping up to date of new developments, policy reforms and writes and delivers training to other practitioners. She is passionate about developing her fellow colleagues and has served on the Specialist Section Housing Committee as treasurer.
Occupational Therapy
West and South West of England, Wales, Avon, Bristol, Gloucestershire, Herefordshire, Oxfordshire, Somerset, Wiltshire, Worcestershire, Cardiff, Monmouthshire, Newport, The Vale of Glamorgan
Housing and Equipment, Seating and Postural management, Moving and Handling
DFG Assessments, Blue Badges / Mobility Assessments, Daily living skills, Postural management
Powys, Wales
Alison specialises in hand therapy and rehabilitation, having completed post qualifying training in courses on splinting and hand trauma. She is based in Powys, Wales and travels to Brecon, Montgomery and Newton as well as to Cardiff and Swansea to visit clients at home.
Alison's career has been spent in the NHS and working in acute hospital settings, as well as in the community where she focused on falls assessments, moving and handling and rehabilitation of the elderly. She now provides independent assessments and treatment programmes to adults in their own environment.
With a number of accredited qualifications from the British Association of Hand Therapists, of which she is a member, Alison's expertise lies within hand therapy. She works with clients with needs in the areas of orthopaedics, rheumatology, plastics, burns and trauma.
Assessing her client at home, Alison will develop a personalised treatment plan which aims help improve their functional independence and the use of their hand through rehabilaition, including the use of splinting techniques.
Occupational Therapy
West and South West of England, Wales, Herefordshire, Shropshire, Blaenau Gwent, Bridgend, Caerphilly, Cardiff, Carmarthenshire, Merthyr Tydfil, Monmouthshire, Neath Port Talbot, Newport, Powys, Rhondda Cynon Taff, Swansea, Torfaen, The Vale of Glamorgan
Hand Therapy, Moving and Handling, Neurological rehabilitation
Blue Badges / Mobility Assessments
Worcestershire, West Midlands
Having worked with clients in various health care settings, Anne has gained experience in the areas of rehabilitation and housing & equipment. She works with adult clients in their homes, travelling to areas of Warwickshire and the West Midlands, including Coventry, Birmingham, Solihull and Warwick. Anne is skilled in carrying out Blue Badge and mobility assessments, as well as gaining a Train the Trainer qualification.
Since qualifying in 1989, Anne has worked in various clinical settings, treating clients with neurological, orthopaedic and physical conditions. Currently working as an independent practitioner, she delivers assessments in the home and works closely with her client and their family to create a bespoke treatment plan, aiming to improve their function and quality of life.
Within the treatment plan, Anne recommends assistive equipment and housing adaptations to maximise a persons independence within their home and community. She provides assistance and guidance on the most appropriate seating solutions, including wheelchairs and mobility scooters. Where appropriate, Anne undertakes workplace assessments and will put together a return to work programme for her client, helping them gain skills and make their workplace more accessible.
Anne continues her professional development to enhance her clinical skills, including her membership of the College of Occupational Therapists Specialist Sections in Independent Practice and Work.
Occupational Therapy
West Midlands, East Midlands, West and South West of England, Herefordshire, Leicestershire, Shropshire, Warwickshire, West Midlands, Worcestershire, Birmingham
Housing and Equipment, Vocational Rehabilitation, Functional rehabilitation, Neurological rehabilitation
Train the trainer
Blue Badges / Mobility Assessments, Fatigue management, Daily living skills, Community access, Planning & execution, Self care
The OT Practice provides expert, independent occupational therapy services throughout the Cornwall region as well as nationwide. We have experienced therapists covering every specialism throughout Cornwall including Falmouth, Newquay, Penzance, St Ives and Truro.
Our practice is based on our reputation for building trusted relationships with our clients. Since ethics are at the heart of our vocation as health care professionals, we always recommend alternatives to our own services if we believe they are better suited to a client's particular needs.
Our Cornwall therapists cover all areas of OT, including neurological or functional rehabilitation, seating & postural management, housing & equipment, vocational rehabilitation and paediatrics. Please click on the profiles above to learn more about some of our experienced therapists working in Cornwall, or call one of our dedicated client managers for a free initial consultation as the first step to helping you find the right OT. As independent practitioners there are no waiting lists for our services - we are completely flexible around the needs of our clients, and can arrange weekend or evening appointments as necessary.
If your enquiry relates to children's occupational therapy, you can learn more about our dedicated paediatrics team by visiting the OT Practice Kids section of our site.
Our OT's are helping people throughout Cornwall deal with a variety of difficulties. If you would like to find out more visit our pages dedicated to explaining how our occupational therapists can help with common difficulties, covering adults and children. The most common difficulties we see are shown below, alternatively just call us on 0330 024 9910 for a free over-the-phone consultation.
Purchasing and learning to use specialist equipment and vehicles for reduced mobility due to accident, ill health or old ageRead more
Difficulties with gross motor skills cause clumsy or uncoordinated movement, leading to problems with tasks such as dressing, running or riding a bikeRead more
Practical advice and solutions for seating including wheelchairs and comfy seatingRead more
Solutions for when an accident, illness or age makes access in and out of the home a challengeRead more
A child's ability to process what they see and respond with meaningful movementRead more
A child's ability to organise their body and environment to perform daily activities such as sitting correctly and arranging a deskRead more
Practical support and advice for children with multiple or complex needs such as equipment, seating, splinting or housingRead more
Restoring skills for personal care such as washing and dressing after accident, illness or with advancing ageRead more
As we age or after an illness or accident, it is common for mobility to deteriorate, leading to falls, loss of confidence and reduced independenceRead more
Memory loss following diagnoses of dementia or brain injuries, as well as normal ageing process or during periods of unusual stressRead more
Assisting with standing and self-support following an illness, accident, or with advancing ageRead more
Small movements of the hand and fingers that allow a child to write and draw, as well as manipulate buttons, zips and shoelacesRead more
Addressing the debilitating effect of fatigue to improve motivation, energy and engagement with day-to-day lifeRead more
Planning and performing activities as part of a fulfilling and meaningful daily routineRead more
Practical advice and treatment to improve handwriting and boost confidenceRead more
Children with balance & coordination difficulties can struggle with activities such as dressing, using cutlery, riding a bike, running or playing sportRead more
A child's ability to carry out basic self care tasks such as dressing, teeth cleaning or using cutleryRead more
Practical techniques to maximise independence at home following a medical diagnosis, accident or period of recuperationRead more
Home activities can become a challenge with age or after an accident, illness or diagnosis leading to reduced independence and confidenceRead more
Strategies to address persistently low motivation causing under-performance at work, problems at home or in relationshipsRead more
Addressing barriers to work following an accident or period of illnessRead more
Equipping children struggling with class participation and friendships due to shyness or faltering self-confidence, with the skills & self-belief they need.Read more
The OT Practice has a smooth process from referral through to discharge with outstanding service levels and a quality bank of occupational therapists all over the UK.Kayur Kotecha, Case Manager
The therapist was extremely helpful and informative. I felt totally at east at all time. She is a credit to her profession and to the organisation, thank you.An OT Practice client
The OT Practice has worked with us to clear several hundred best interest assessments. They managed our project excellently with strong communication and an organised approach. I have always found them to be extremely professional and helpful with our project being delivered on time and budget.Plymouth Borough Council
Really impressed with the report, can't believe some of the things that you picked up from spending such a short amount of time with James. The information on what to do now in the report was really helpful and we are going to start trying all the exercises and see what we can do. It is nice to finally know what some of James' problems are and how we can help him. Thank you for all your help.Mother of a private client aged 9
The OT Practice offers a flexible and professional service that has allowed us to react quickly to our changing business needs and achieve our customer outcomes.Papworth Trust


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We are happy to invite you to this 5.th Workshop held by Particle Analytical.
- Why: To learn more about the regulatory requirements on powder/particle analysis.
- When: September 12. 2013. 13.00-16.30.
- Where: Zürich, Schwitzerland, Continental Zurich-Mgallery Collection Hotel, Stampfenbachstrasse 60
Health authorities are becoming increasingly aware of the importance of particle properties for the quality and safety of pharmaceutical products. The primary risk for a patient in relation to intake of a tablet is lack of "release control", leading to either too low or too high plasma levels. Lack of control could be due to variation in particle sizes or to changes in crystallinity (i.e. changes in polymorphic form). This workshop will take you through the regulatory requirements. Further, a practical interpretation will be given: How much experimental work is required to fulfill the guidelines in relation to polymorph screening and particle size control.
Participation €200. Sign up at firstname.lastname@example.com. Please read the abstracts below.
- 13.00-13.45: Welcome and light lunch.
- 13.45-14.15: Patient safety, guidelines and cases from "real life"
- 14.15-14.30: Coffee break
- 14.30-15.00: Polymorph screening – searching for new crystalline structures – which approach to use
- 15.00-15.30: Examples of pitfalls in determination of particle size and shape
- 15.00-15.30: Questions, discussion
- 15.30-16.30: Networking over a cocktail
- Karin Liltorp, Principal Scientist. Ph.D.(physical chemistry). 8 years experience from pharmaceutical industry within the area of physical characterisation.
- Søren Lund Kristensen, CEO at Particle Analytical. +15 years experience in particle characterisation.
- Powder/particle analysis is essential in order to understand and control a compound during development. This analysis includes information about size, shape and crystalline structure. Lack of control of the particles increases the risk of sudden transformations, leading to changes in the stability and properties of the compound. Such changes might have large consequences for the behavior of the compound during manufacturing and -ultimately- in vivo. I.e. the potential risk, if these analyses are not performed, is that the analytical program and the clinical studies have to be repeated, which of course is quite costly. The requirements from the regulatory guidelines will be presented and discussed.
- Most solid materials are capable of forming different crystalline structures, known as polymorphic forms. These polymorphic forms have different physicochemical properties that might have significant impact on the intended use of the material. It is of immense importance to determine the crystalline structure in order to minimize the risk of transformation into other structures during development or, even worse, after introduction to the market. We present a rational approach to meet this risk. Further, methods for determination of the "degree of crystallinity" will be presented,
- Particle size and shape are often critical parameters in the manufacture of many products. The goal of all particle-sizing techniques is to provide a single number that is indicative of the particle size. However, particles are three-dimensional objects for which at least three parameters (length, breadth and height) are required in order to provide a complete description. Thus, measurement of particle size is not an exact technique and a "true" value does not exist. A range of analytical techniques is available; these all have their strengths and weaknesses. Some examples of pitfalls in particle analysis will be given.


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At D23 in Japan this morning, Disney unveiled a brand new world and some gameplay details for Kingdom Hearts 3.
Disney's D23 event in Tokyo, Japan this weekend has already proven to be fantastic as we've had a handful of new details for Kingdom Hearts 3 including the unveiling of another Pixar-themed world: Monsters Inc. World. This news came via a new trailer for the game which also sees Mike and Sully joining in on the action.
The trailer begins with Sora, Donald, and Goofy meeting Marluxia from Kingdom Hearts: Chain of Memories, the first time this character has entered the main Kingdom Hearts series. After this introduction we're then given a glimpse of Mike, Sully, and Boo, and Sora's transformation as a monster-version of himself with furry blue skin and spiky hair.
Even Donald and Goofy have their own monster transformations, which are peculiar, but awesome to see.
The trailer then moves onto some other worlds and characters in the game including Rapunzel who'll be able to use her hair for many different things in the game, according to Square Enix. There's also a mini game which looks similar to a Game & Watch title.
Square Enix also revealed that Gummy Ship segments will return in Kingdom Hearts 3, but will be split into two phases, one being an exploration phase and the other being a combat phase. The developer also revealed that over at the Osaka studio, it's all-hands-on-deck with Kingdom Hearts 3, plus an additional 100 staff from its Tokyo studio.
In terms of progress, Square Enix revealed that development has been split into three sections, Early, Middle, and Late. According to the company, the Early phase worlds are 90 percent complete, while middle section worlds are at 60. It didn't reveal at what stage the Late phase worlds are.
Unfortunately we still have no release date for Kingdom Hearts 3, though it's still apparently pegged for 2018.
If you're looking forward to exploring these new worlds, but aren't quite sure on the history, you can check our our three-part Kingdom Hearts recap.


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Looking for your next challenge? Find out more about our new Associate Editor position, click here.
The Equality Act has been applied in favour of a disabled young person who required an additional year at school, in a novel sheriff court action
Recent experience of medical procedures prompts the author to review the still embryonic law regarding property rights in human body parts
Little research has been done into how the Scots law on financial provision on divorce is used in practice. A new project aims to put that right
A ruling against a party seeking interdict to prevent alleged repeated abuse of the adjudication process poses difficulties for the innocent
The tribunal system is becoming more like the courts, but is that an advantage? This article weighs up the factors
A review of the case law on who meets the "relevant person" test for the purposes of appearing before a children's hearing
This month's selection of leisure reading, chosen by the Journal's book review editor
All with an interest in criminal justice should respond to the consultation by Lord Bonomy's Post-corroboration Safeguards Review, the constructive suggestions in which expose the far-reaching nature of the abolition proposal
Reviews of Dundas & Bartos on the Arbitration (Scotland) Act 2010; The Good Lawyer (Linder and Levit)
Following the non-lawyer's view last month, this time the profile turns to a solicitor member of the Appeals & Reviews Subcommittee, Gordon Ghee
Legal aid in Scotland needs fundamental reform, and the Society has taken the initiative with a wide-ranging discussion paper containing proposals for both criminal and civil funding
Collected news of new appointments and practice changes
Registers of Scotland page: Key points to remember over the last few weeks until the Land Registration etc (Scotland) Act 2012 comes into operation on 8 December 2014
Retiring as Professor of Conveyancing at the University of Glasgow, Robert Rennie reflects for the Journal on the vast changes in law and practice over his working life, many of which he helped to shape
Revenue Scotland page: An update on progress towards the new land and buildings transaction tax regime, including the proposed rates and bands
In what circumstances is a solicitor liable to the party on the other side of a transaction for failing to disclose a client's fraud? The Inner House recently decided a case on this point
Another Update conference dedicated to sole and high street practitioners took place this autumn. We select some of the highlights from a full day
Since he sold his practice, the author's career journey has taught him important lessons about the digital age and the health of the profession
Cloud computing services are well established in the legal market, but data security issues in the news mean that providers have to keep abreast of customer queries
Latest civil procedure cases, including written pleadings and proof; appeals; suspension of diligence; family actions; summary causes
Calculating holiday pay has become a minefield of potential claims. How can employers protect their position?
The emergence of bitcoins poses real challenges for family lawyers seeking full disclosure of the opposing party's assets
A recent report into dispute resolution options in family cases reflects the value of practitioner training in the available methods
Two bills now before Parliament reveal more detail of the pension flexibility reforms
Reports of cases relating to Keith Guy William Armstrong; Alan John Baillie; Stephen Gerard Fagan; Fife Council/Robert Vaughan; Christopher William Hales
The in-house streamed sessions at the Law in Scotland Conference covered issues ranging from the global to the role of mediation at in-house level
As you prepare for your first applications under the Land Registration (Scotland) Act 2012, check out the guidance here – an extract from a longer article – on the information that has to be provided
The full article from which this month's Property briefing is extracted, explaining the new forms of reports, and applications for registration, under the Land Registration (Scotland) Act 2012
Recent work of the Law Reform Department, including devolution; serious crime prevention; recall of MPs; charities; assisted suicide
A survey of people who undertook an alternative route to qualification has provided new insight into their motivations and their career path
The Word of Gold: In search of the right strategy? Embrace your inner risk taker
Against an increasing risk of falling victim to fraud, which some still underestimate, this article considers the profession's exposure, and steps to reduce the risk
Advice column: my boss only seems to reward her favourites, and I'm not one of them
Michelle Hynes, the subject of our latest "legal pioneer" profile, has a remarkable story to tell, demonstrating the kind of spirit that sees problems as opportunities
The Professional Practice column explains the effect of counsel's opinion on the extent of a solicitor's duty of disclosure when it comes to marketing a property
17 November 14
by Stephen Gold
Courage is willingness to take the risk once you know the odds. Optimistic overconfidence means taking the risk because you don't know the odds. It's a big difference." (Daniel Kahneman, Nobel Prize winner and the founder of behavioural economics.)
Colonel Bob Stewart DSO, British Commander of UN forces in Bosnia 1992-93, and now in a marginally less hazardous position as Conservative MP for Beckenham, is one of the most remarkable men I have met.
He arrived in the Balkans armed with a typically decisive briefing from Prime Minister John Major: "Can you do the best job you can, Colonel Stewart?" Bob Stewart's best was inspiring. His outstanding qualities of courage, charisma, warmth and humanity shone through.
But as he says, these would have counted for little had he not allied them to a clear sense of mission and an effective strategy for achieving it. First commissioned into the Cheshire Regiment, no doubt he remembered the dictum of his county's famous cat: "If you don't know where you're going, any road will get you there."
As soon as he landed, he asked three questions: What needs to be achieved? What tasks are crucial to that? What resources/constraints apply? He had the answers on paper (the first was, "to save lives") within four hours. It is interesting to contrast his speed of thought and action with the way law firms typically approach these questions: forming committees, taking soundings, deliberating for months, before producing a paper the weight of a small hatchback, much of which is never referred to again.
The concept of business strategy derives from military strategy, and on this topic the leading US corporate consultant Roger L Martin makes two insightful points. First, the primary purpose of the process I have just described is to eliminate risk. This is a fool's errand. Fundamentally, strategy is a bet. Costs are a matter for us, but revenue is up to the clients, and we cannot control their choices. Risk is ever present, something lawyers find it hard to live with. The typical lawyer is highly intelligent, but tends to be cautious, suspicious, analytical to a fault and terrified of personal failure. These qualities make great advisers, but poor entrepreneurs. They explain why so many of us struggle not with doing the work, but competing effectively in the marketplace.
The second point Martin makes is that strategy and management are not the same, but are often confused. Once we have decided the strategy, effective management is essential to implement it – setting goals, getting buy-in, assigning responsibilities, measuring outcomes and adapting as necessary. This may involve a mountain of detail, but all of it is a means of achieving strategic objectives, not the strategy itself. It is a truth not universally acknowledged, but illustrated dramatically by Bob Stewart, that if a strategy cannot be articulated in a few concise sentences, it is probably not any good.
In a commercial context, his three questions can be reduced to two: "Where do we play?"; and "How do we win?" The first means, "What markets should our firm be in now, and what markets should we aspire to be in?" The second means, "How do we stand out?" What informs clients' buying decisions and to what extent? Is it black-letter competence? Service and client experience? Strength in depth? Price? Geography? Personal chemistry? Sleek hair? (OK, maybe not the hair.)
Risk-free strategy is an oxymoron. Whatever road you choose will have its ambushes. Successful business leaders acknowledge that reality, do all they can to minimise it, but embrace and even relish the angst.


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Your Custom Text Here
The mammoth is a prehistoric relative to the present day elephant, and has been extinct for thousands of years. Mammoth tusks are found in the tundra of Alaska and Siberia, and profits support the native populations of both areas. Because we only use fossil mammoth ivory, NOT elephant tusk, absolutely no elephants were harmed during the making of our beautiful carvings.
The allure of this material is quite understandable, as not only is one purchasing a masterfully crafted piece of art, but also a "dinosaur" fossil possibly millions of years old!