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A chat is an exchange of instant messages. You can chat with one person or a group of people.
Starting a chat
You can start a chat with people in your One Net contact list or your organisation's phone book, or from the History window. You can have a group chat by inviting more people to join an existing chat, or you can select several people first and invite them to join a group chat.
If you can't select the chat option when you have selected a person, they are not configured for chatting.
- Select and select a person you want to chat with.
To start a group chat
- Select and move other people into the chat window to add them to the chat.
Select the people you want to include in the chat and select Chat.
Group chat requests are automatically sent to the people you selected. When someone accepts the invitation, their name appears in the chat window.
- Select .
- Select and the phone book you want to use.
- Select the person you want to chat with.
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Daz Dillinger's Retaliation, Revenge And Get Back | Album Review
After Dr. Dre left Death Row to form Aftermath in 1996, Dat Nigga Daz became more and more important for the label as a producer. Daz would even become head of the label in 1997 when Suge Knight was sentenced to nine years in prison. After producing tracks on the Gridlock'd Soundtrack, Lady of Rage's Necessary Roughness and Nate Dogg's G-Funk Classics Vol. 1 it was time for him to release his first solo album. He would change his name, for obvious reasons, to Daz Dillinger and release Retaliation, Revenge and Get Back on March 31, 1998.
The album marks not only the end of Death Row as a powerhouse label, but also the end of the G-Funk sound which Daz was a part of molding. For fans of the era, it's an interesting listen as it features many of the legends from the infamous label including 2Pac on "Initiated", and Snoop Dogg and Nate Dogg on "O.G.". It also features many other MC's such as Tha Dogg Pound's Kurupt, the Outlawz, Too $hort, and Compton's Most Wanted's MC Eiht. The standout track musically is the feel-good song "In California" featuring great vocals from Lady V (Val Young).
At the time of its release, Snoop had a beef with Daz, because he thought that Daz was "brainwashed" by Suge Knight. In fact, Daz was put in charge of Death Row by Suge Knight, becoming the head of the label while Suge was in prison. Snoop was mad that Daz "went against him" by staying on Death Row while Snoop and most of the other artists left the label. Daz supposedly disses Snoop on this album and Snoop supposedly had a Daz diss track that he did with Mack 10 that "would have ended Daz's career" but it wasn't released.
In 1999 Daz would leave Death Row and form his own label D.P.G. Recordz where he would release more solo records as well as reuniting with Kurupt and releasing records as D.P.G.

subset: commoncrawl


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The Essential Items That You Need for Your New Dog
Dogs are precious pets that are loved by many. These animals can make your home lovely and fun being in. It is necessary to have in mind that many people like these canines and will make efforts to see them happy. One should know that the pets are just like human beings and therefore they should be treated with love and care. You are advised to know that having the pets coming to your place for the first time requires adequate preparation so that they don't lack anything. One of the things that you are required to do is prepare a homely environment so that they feel good when they arrive. One is required to provide additional things apart from a proper home so that they can feel happy and be comfortable. Here are some of the essentials that you ought to have in place.
One of the things that you are supposed to have for the dog is a comfortable bed. One is supposed to have in mind that the pets should have enough sleep. Good rest is necessary for the growth and development of the canines. For this reason, it is advisable to have a place for them to rest at night. It is required that you ensure the place is warm and fit for the dog. Ensure that the bedding is scented since the dogs are sensitive to smells because this is a way of having them to settle in the bed when it is time to sleep.
Because you may desire to take your pet out for a walk once in a while, it is essential to have a collar and a leash. Being that the dog never sit at one place, you will need to have these items to have them in one place when you are away. One is required to understand that food is also a necessity. The food must contain all the required nutrients. Being that the pets like biting things, you are advised to have foods containing bones for the development of the teeth.
It is required that you buy the canines some toys. You need to study the dog and understand what they like so that you buy the toys that they will enjoy playing with. One is required to know the things that can be risky and avoid them. It is essential to have grooming kits for the pet. You will find that clean dogs are fun to play with. The hair must be kept neat and clean at all times. It is required that you have the pets insured as well. You are supposed to realize that anything can happen after bringing the pet home and that is why this idea is crucial.


text: I've got a ventricosa red from pft - and it has the same problem. Very small lids, though the pitchers grow normally. A trick Pyro told me about is to mist the plant everyday. I still have smaller lids than normal, but they're looking better as the plant matures. You can see a typical messed-up pitcher on the bottom left of this pic.


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Team DSSF is getting ready for the Twin Cities Marathon weekend on October 6th and 7th!
Can't be there, but want to support the effort?
DSSF is going to celebrate all weekend!
Come walk, run, and hangout with us in the Medtronic 5K on Saturday, October 6! The run/walk starts at 8:45 a.m. at the Capitol, and we will have a team gathering spot with coffee and beverages before the race. We want everyone to join us and help us fundraise!
After you register, make sure to give us your information so we can keep you updated before race day and we will send out information about race shirts as well!
Share on your social media, so your friends can support this effort!
And since it's DSSF, the party will continue after the run. Join the marathoners and 10-milers for pasta, beer and other treats on Saturday, October 6, starting at 3 p.m. at Mary Bolkcom's house. Details will follow to all registrants!


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ShopMania provides the best offers for Hisense FUV126D4AW1. Find the most secure online stores that deliver in London, Birmingham, Glasgow, Liverpool, Manchester and all over the UK and buy Hisense FUV126D4AW1 chest freezer at discount prices. Choose from hundreds of retailers and find the best deals, compare chest freezers offers and find the best Hisense FUV126D4AW1 prices available. Read user comments and product reviews, see our Hisense FUV126D4AW1 photo gallery, find all its details and features only on ShopMania.
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text: On Tue, 2009-05-12 at 21:16 +0200, Kevin Kofler wrote: > It's true that inconsistency is bad, and that's the problem with the current > policy, but there's no better solution. At best, we can give more hints to > the maintainers, but there's no policy which works for all packages. > Hardcoded bureaucracy doesn't really work, in particular, the 2 "all or > nothing" solutions you propose: > > > This is why I say the only two policies that can really work optimally > > are "minimal necessary changes to fix strictly identified bugs and > > security flaws" or "update whatever you like". Either is valid, but both > > have distinct implications for the user experience, so we need to pick > > based on what user experience we want, and message that consistently so > > that users know what to expect. > > are both completely broken. The first turns Fedora into yet another "Debian > stable type" distribution: this seems to be what you're advocating, but > there are already several of those and Fedora would lose one of the main > things it is about (being always up to date) by endorsing such a policy. > The second basically turns all releases into Rawhide, which is > unfortunately unsuitable for daily use. A middle ground is needed, and > that's where the maintainer has to make a call. And this is why the policy > is as it is now. I'm not advocating either. I'm perfectly happy with either. I don't have a personal opinion on whether we should be an Aunt Flo-supporting distro or not. I can work happily with either choice, I just want to know which we are, so I can tailor my approach appropriately. :) Let's make it clear: what we're talking about as 'the second' above is basically where I think we are now. Leaving it to the maintainer's discretion is equivalent to 'ship whatever you like', because that's exactly what some maintainers do already, there's all sorts of stuff shipped out as updates for stable releases. As I said, if we actually actively want to be there, that's fine. But we have to be consistent with that, both in our approach to other things, and to messaging. We need to be telling potential and actual users, prominently, that we're *not* a Mandriva/Ubuntu/Debian stable-type distribution, and that they shouldn't use Fedora if that's what they're expecting. At present, we don't really do this. -- Adam Williamson Fedora QA Community Monkey IRC: adamw | Fedora Talk: adamwill AT fedoraproject DOT org http://www.happyassassin.net


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Middle ear test
What is a middle ear test? The middle ear test shows how the ear drum reacts to varying air pressure in the ear canal.
A small probe is inserted into the ear, and while listening to different sounds the air pressure inside your ear is increased or decreased.
Your hearing ability depends on the degree of your ear drum sensitivity, and this test, in conjunction with the pure tone test and the speech test, helps the examiner to determine the extent of your hearing loss.
Read more:
Read more:
Please use our articles
You are very welcome to quote or use our articles. The only condition is that you provide a direct link to the specific article you use on the page where you quote us.
Unfortunately you cannot use our pictures, as we do not have the copyright, but only have the right to use them on our website.


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So you've launched your beautiful website and now... crickets.
Part of the problem could be that your website is not getting found organically on Google.
While Squarespace already does a lot behind the scenes to optimize your website, there's a lot more that needs to be done on your end in order for your site to rank higher on search engines.
If you've never studied SEO, this stuff can give you a headache the size of Texas.
But you don't need to go there. Stop stressing and say no to overwhelm.
I can help!
Introducing the SEO Pro Service...
Outside of the basic SEO that Squarespace provides, what you need is the SEO Pro service, which includes the following:
Optimized site title and description with your top keywords
Optimized titles and descriptions on all individual pages
Keyword input on all images
Custom 404 error page
Google Search Console and Bing Webmaster Tools indexing
Total Investment: $347
Confused by what all of this means?
Simply put, your website without the SEO Pro service will not score very high on search engines. Meaning, chances of it getting found organically are very slim. Say you're a yoga teacher and someone is searching for one on Google. The search results will populate but your site will not come up. That's because Google gives priority to those who've done their work and properly optimized their site. So the only way people will come to your website is if you actually give them your web address.
However, with the SEO Pro service, your website has much higher chances of coming up higher on those search results. So you'll get a lot more organic visitors to your site, giving you more opportunities to convert browsers into buyers.
It means your website can potentially make you money while you sleep!
"Website without visitors is like a ship lost in the horizon."
***Please keep in mind that results will not happen overnight. Inputting all of the above actions in this service will be like setting up the right foundation for your site. You'll also receive from me a list of researched keywords related to your industry. The more you use these keywords in your regularly published blog posts, the more reasons you'll give for Google to prioritize your site in search engines.
Have I convinced you yet?
Got more questions?
Reach out to me by email at email@example.com and I'll answer all of them for you.
I look forward to working with you and getting your site up to speed :)


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Hilltop Community Resources has received a $60,000 Daniels Fund grant to support its domestic violence emergency shelters in Mesa, Delta, Montrose and Ouray counties. This grant also funds Hilltop's Senior Daybreak program, located in Grand Junction.
In 2015, Hilltop's domestic violence programs provided emergency shelter nights to nearly 451 women and children, responded to 8,310 calls to the 24-hour crisis lines, and offered community services to 428 adults and children affected by domestic violence.
Additionally, the Daniels Fund grant provides funds to Hilltop's Senior Daybreak, an adult day care program that provides a safe and stimulating environment for seniors dealing with memory loss, confusion and medical frailty.
Hilltop Community Resources' 24 programs provide services and activities that are comprehensive, family-focused and supported by community collaborations in Mesa, Delta, Montrose and Ouray counties. For more information, visit www.htop.org.


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Ribs are not the easiest thing to photograph, but trust me they tasted absolutely amazing! We are lucky to live near a really good quality suppler of pork ribs, (thank you Ravens Creek Farm), and I think this makes all the difference. The meat was falling of the bone in a delicious sticky mess and there was nothing left after handing these out except a big dish of bones! Now I must say ribs are not really my thing, but they are my husbands and my brothers for that fact. And I must confess that I did not invent the miso rib it came from a recipe I found in a great magazine called Mindfood. I saw it and though, ok my husband would love that! And it turns out he really did. So for all you rib lovers out there, here is a really easy recipe that is sure to turn some heads in the rib direction!
2 racks baby back ribs
½ cup dashi miso
2 tbsp mirin
1 tbsp mushroom soy sauce
100 g brown sugar
1 tsp sesame oil
toasted sesame seeds and fried shallots, to serve
1. Place ribs in a large saucepan of cold, salted water over high heat and bring to the boil.
2. Reduce heat to medium-low and simmer for 1 hour until tender. Drain and place on a rack to cool and dry.
3. Preheat oven to 200°C. Meanwhile, place miso, mirin, soy, brown sugar, and 1 cup water in a saucepan and bring to a simmer, stirring to dissolve sugar and miso. Remove from heat and stir through sesame oil.
4. Place ribs on a lined baking tray and baste liberally with miso mixture. Cook, basting every 5 minutes, for 40 minutes until sticky and lightly charred.
Scatter with sesame seeds and shallots to serve.


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Someone asked me if I'd ever seen a wallpaper screensaver for Microsoft Windows that shows a clock with a countdown to your expected retirement date. I haven't. Has anyone else?intercst
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text: This is a programme created to support the design, management, monitoring and evaluation of Participatory Budget (PB) practice. The system does not provide a methodology or try to standardize the processes of PB. The purpose of this application is to give people elements of reflection that help to structure the processes of PB, based on criteria of the quality of the dynamics of participation.


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the walls that once provided . . .
When I am dealing with too much than I can handle, I turn to old habits like building walls; emotional walls, like electric fences and barbwire's! Those walls served a great purpose in the past. It kept people out, and kept me from leaning in. It kept people at bay from me, and kept my emotions caved in.
It provided me a soft cusion, and kept me safe. It pushed even the good people away; while I survived it alone, day after day! The walls were the only thing I had my whole life.
Years of therapy has helped me take down all those walls! Many many walls have been taken down, and sometimes it can be scary.
I have now learned to think before building walls. My therapist always tells me "lean in" "reach out", "connect" "you have support". I have learned to turn to those things before building walls, but not without work and a lot of trust.
When things become too much inside like it has in the past couple of weeks; like things being thrown at me left and right - those are the times that old habits kick in, and I kick into survival mode, and I start slowly building!
I start building walls to not only protect myself from having emotions around it, but I also do it so that I don't put burden onto others with all that I am holding inside that feels too much.
When it becomes too much inside for me at once, I start to think it's too much for others; therefor I build walls.
When you have carried things your whole life on your own; you feel you have to do it alone. To hand it over to anyone else - it's just too much for them, and then my self worth is on the line - and the rolling ball effect begins!
5 years of therapy, this technique of building walls is not working as well as it once did. Today was one of those moments that it just didn't work, and for the first time, I noticed it, and started to "un-build" the walls as fast as I started to build them.
I went into session today with the walls already starting to be built just little. I have been holding a lot about my mom and other things that have been thrown at me that were least expected.
At first I felt myself becoming quiet, which is the start of the wall building. Then I started to get uncomfortable and that is the 2nd stage of wall building (giving myself a reason to build). Then I start to get defensive, which is the pushing away part of the wall building - and slowly I actually felt myself doing it, and realized what it was I was doing!
I then got up, told Andy I needed a few moments alone, and went into the bathroom. I knew deep inside, I needed that space for a moment, and that it meant something.
I went into the bathroom, splashed cold water on my face, looked in the mirror and said "stop!" "no walls" "no silence" "lean in". - "I am supported, I am cared for, and I dont need to do this alone! stop building the walls".
I went back into the room, sat next to my therapist, and started talking, and talking and talking and talking and letting go for over 90 minutes straight! I broke down and let all my feelings, worries, concerns, burdens, grief, fears, and even some joys be let out into the room!
My therapist looked at me and said "do you know what you just did? You just stopped those walls from building, took control over it, and you right now, look as connected as I have seen you in weeks!
I realized today that those walls that once provided me relief, no longer provide me relief, but provide me more pain. If I had not broken down and talked about what I was carrying inside; my blog would be a whole different story today.
My blog would be about "holding" and "swallowing" what I have had inside since the weekend. I would have built walls and carried the grief about my mom alone. I would have tried to be strong and say "I can do this" when in real I CANNOT DO THIS ALONE! and I don't have to!
Those old walls, made me do it alone, and slowly I am learning that I don't have to do it alone! Each time I go through this little by little, I am learning that this is a journey filled with support, care and love - no walls are needed!
I don't have to live behind the walls anymore, not even to protect others. Leaning in and reaching out for support when I need it is healing. I have said this before, but I am realizing that being weak, is almost powerful sometimes.
Much like Sunday, I am breathing today. I lifted the weight, I talked about it, I broke down, I had support, I had comfort, I had supporting words, and the best thing? I was told "you will get through this, and not alone", and we figured it out!
I have a plan - we have a plan. I have ways to work around what is going on now. Things are slowly falling into place. I didn't have to run home and retreat to figuring it out by myself, and there is no way that could have happened with walls.
I am grateful that today I saw what was happening. Just a year ago, I would have built those walls sky high to avoid the truth called emotions, and to protect others.
I am healing even when it hurts like hell, and that is good, because I know I will get through this - I don't need any walls for me to see that.
I know that tonight, tomorrow, the next day and the days after that - no matter what - I have support to help me through this hump I am going through right now, and that is more powerful than ANY wall I can build.


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In 2012, I made a goal...
That goal = make a living producing video content while traveling the world...
I want you to know that if you are reading this and have some kind of aspiration or goal... you can do it. You really can.
The question is how dedicated and focused are you?
If you truly want to grow your skills as a creative (or whatever it is you do) it requires discipline.
As a self-taught videographer/editor here are a few rules/beliefs I live by...
I hope they help you think about how to crush your own goals...
Be aggressively humble.
After publishing a video I always think about ways I could improve it... and then apply that knowledge to the next project. Remaining humble about your work enables you to continue looking for ways grow your ability. You won't become stagnant.
Be disciplined.
Do work when you don't feel like it. There are plenty of times I didn't want to films or edit... but I did it anyway knowing that it will help me grow my abilities and train the creative muscle. If you are a creative do you consider yourself a "disciplined creative?"
Done, not perfect.
Perfection prevents anything from getting done. I post things all the time even if it's not "perfect." A lot of the videos I share on Instagram are an example of this.
There's someone out there working harder than you.
Stay hungry and don't be complacent because it'll stunt your growth. Just writing this belief lights a fire under my ass... and it's true. No matter what you do, someone is trying to be better than you. That thought alone should force you to think of ways to continuously get ahead. I like to think of it as healthy stress and it forces me to constantly push myself.
Learn from others, but don't lose sight of who you are.
I get my inspiration from other creatives, but also make sure not to lose sight of myself in the process. Theres a difference between copying someone's work and getting inspired by someone's work
Operate with the big picture in mind.
Everything serves a purpose... My big goal I'm working towards is owning a digital media agency that has editors, filmmakers and writers. We serve purpose-driven companies and produce work quickly and high-quality. We also have an internal culture that fosters growth and where everyone clearly understands their role. We encourage ideas and support each other as team. We work with clients that we consider friends and are producing content the world needs.
That said, I know that everything I'm doing now from filming interviews, interacting with executives, and spending crazy hours in the editing room all serve a purpose to help me accomplish that big picture goal. I also know that I need to continue to work on my mentality / habits to own my media agency that will soon manifest itself.
Have people hold you accountable.
After writing down your goals, you need to share them with a group of people who will keep you in line.
I attribute my growth to the accountability groups that I'm a part of. I'm currently in 3 and check in with them every single week.


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Paris (AFP) - Andy Murray continued his march towards the world No. 1 slot by winning the Vienna Open on Sunday.
The 29-year-old Scot swept past Frenchman Jo-Wilfried Tsonga 6-3, 7-6 (8-6) in the final to earn his seventh title of the year.
The Olympic and Wimbledon champion can take over the top ranking from Novak Djokovic if he wins next week's Paris Masters and the Serb fails to reach the final.


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(Reuters) - A U.S. Navy serviceman pleaded not guilty on Wednesday to charges alleging he drove his pickup truck while drunk off a ramp leading to San Diego's Coronado Bridge, killing four people and injuring others.
Richard Sepolio, 24, is facing six felony counts of gross vehicular manslaughter while intoxicated and other drunk driving-related charges, San Diego County District Attorney's Office spokeswoman Tanya Sierra said in an email.
Sepolio entered his plea from his hospital room at the UC San Diego Medical Center, where he is recovering from injuries suffered during the crash, which occurred on Saturday afternoon.
Sepolio's attorney, Paul Pfingst, said the crash was caused by another car, that section of the bridge was dangerous, and that his client's blood alcohol level has not been verified.
"He was avoiding another car that drove him into the side of the bridge," Pfingst said in a telephone interview.
Police said the truck was traveling northbound on Interstate 5 when Sepolio lost control while exiting the freeway and crashed into a guardrail, sending the vehicle plummeting onto a motorcycle rally and festival in a park below.
The four victims were in a vendor's booth when the truck plunged off the bridge's ramp and fell 60 feet (18 m) into Chicano Park, according to police and local media.
In addition to the four fatalities, nine people, including Sepolio, were injured. A spokeswoman for the hospital declined on Wednesday to disclose any information about Sepolio's current condition.
Sepolio, a third-class petty officer, is stationed with a helicopter sea combat squadron at Naval Air Station North Island, Navy Lieutenant Leslie Hubbell said in an email on Wednesday. He enlisted in September 2014 and previously worked as an aviation electronics technician, she said.
The air station, one of several large naval installations in the Southern California city, lies across San Diego Bay from the downtown. It is about 4 miles (6.4 km) from the crash site.
If convicted on all charges, Sepolio faces 23 years and eight months in prison, Sierra said.
Reporting by Curtis Skinner in San Francisco; Editing by Matthew Lewis


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World of Warcraft Ugly Holiday Greench Sweater€45.00 *
What is Winter Veil without the ever-important ugly sweater? Now featuring Greench, this new and improved World of Warcraft ugly sweater is sure to be the talk of the tavern… well, some kind of talk anyway.
Available in unisex sizes XS–4XL and made of 52% cotton and 48% acrylic.


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Thursdays at 9:00 pm
Encore: Sunday at 1:00 pm
PBS Hawai'i Presents offers independent documentaries, dramas, music showcases and special event programming about Hawai'i, by Hawai'i producers.
Air date: Wed., Dec. 5, 9:00 pm
Journey Home to the USS Arizona
One of the few crew members from the USS Arizona who survived the Pearl Harbor attack, Raymond Haerry Sr., passed away at the age of 94 on September 27, 2016. This documentary follows Haerry's family as they travel from New Jersey to O'ahu to place his ashes aboard the sunken battleship.
Keep the Programs You Love Going
Become a sustaining supporter of PBS Hawai'i with a monthly gift.


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The Eliana Suite - Invitations
The Eliana Suite - Invitations
Eliana is an vibrant and sophisticated woman! Eliana is perfect for the couple who wants to set the tone for their whimsical evening under the stars! Let your guests know right from the start that they are in for a fun evening! She is shown here on #120 White Paper. All colors can be completely customized for this Suite.
All invitation suites include an Invitation at 5 x 7, an RSVP Card at either 4.25 x 5.5 or 3.5 x 5 size, and 2 matching blank envelopes. Additional insert cards that correspond with your suite can be purchased separately.
Invitation Suites come on our most popular luxe 120# eggshell slight textured paper. This card stock comes in bright white, but can be switched to soft white by request. We also offer 110# textured felt card stock and #110 smooth card stock as equivalent options. Upgrades to #240 double thick card stock are also available at an additional fee.
Customization is available for most suites, including print colors, text colors, and envelope colors. You can add envelope liners and other customizations in my shop. Please contact me if there is something you do not see that you would like to customize or add.
After ordering, you will receive a form to fill out with your wording and event details. After the form is completed you will be sent your proof within 1 week. To maintain our timeline, please respond within 2 business days with any changes or printing approval. Up to 3 proofs are included at no charge (the initial proof and 2 subsequent revisions if needed). Any additional proofs will be charged at $25 each. Once you approve your proofs for printing any additional changes will result in reprinting fees as well as any rush fees to keep your production on timeline.
As outlined above the first proof will be created within 1 week of receiving your invitation details. Subsequent revisions will be made within 1 week of receiving your change requests. Orders will be shipped within 2-3 weeks of your final printing approval. If you have a rush timeline please let me know up front - rush orders may be accommodated depending on availability, and rush fees may apply.
Envelope addressing print options are available in the shop. We are also happy to ship your envelopes to a calligrapher for you if you plan to have your envelopes hand addressed.
Shipping is a flat rate of $15 for all invitation orders for orders within the United States. International shipping available, please inquire for shipping quotes before purchasing.


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Hot From the Oven....9th July 2016
Lise Spence-Parsons
Only one week to go until Maple Grove Art Fair. I have my usual space outside of Chico's on Main Street, Maple Grove! Great sunny space, so come and watch the sunshine sparkle on the gems and feel the heat! You can try anything on!
Here are this week's new pieces


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Refinance with Low Closing CostsNovember 25th, 2009
Some lenders have offered existing mortgage loan customers the chance to refinance with low closing costs. Does that mean you should jump at the chance to do a mortgage refinance if your bank offers such a deal?
Saving Thousands in Mortgage Closing Costs
Depending upon your mortgage loan and the interest rate being offered, there could be the potential to save a lot of money upfront when refinancing. For example, Valley National Bank, based in New Jersey, has been advertising for months a mortgage refinance for a flat fee of $499. Refinancing doesn't require an appraisal or various other fees common to mortgage closings. The bank says you can save up to $2,000 in fees by refinancing.
Consider Other Factors Before Refinancing
If you're thinking of refinancing through a similar mortgage program, it's important to look beyond the closing costs, however. You should factor in how long you have to pay off your current mortgage. Most of the monthly payments go toward interest during the early years of a mortgage. If you've been paying on a mortgage loan for many years, it's important to look at how much money gets put toward interest on a refinanced loan.
Are You Planning to Move?
It may not make sense to refinance if you plan to move soon. Sure the housing market isn't doing so hot right now, but that doesn't mean you won't be able to sell your property in a couple years. It won't take as long to break even on lower closing costs for a refinance, but getting a new mortgage loan seem like a wise move at this point?
Lower Your Mortgage Payments
Talk to several mortgage lenders to compare deals, even if they involve higher closing costs. Begin searching for mortgage refinance quotes here.
In some cases, refinancings that involve low closing costs may have higher mortgage rates than loans that involve more fees. But if you can significantly lower your monthly payments and are happy with other terms of a mortgage refinance deal, why not go for it? Refinancing into a fixed-rate loan also can give you more financial stability.
Low Mortgage Rates
Current mortgage rates are very competitive overall. Refinancing could be one way to cut your monthly expenses and save more money in this tough economy. Just make sure you consider a mortgage refinance from all possible angles to avoid any problems later.


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Last week started out as good as it could get! Sunday was family day on the aircraft carrier so we went underway for the day to experience life on the ship. My spouse is a shooter; he launches and recovers aircraft on the flight deck. This video gives you a glimpse of his job (Hint, shooters are in the yellow vests. Gotta have fun on the boat somehow!). Best part of the day was the air show at sea. It. Was. AWESOME. Helicopters, fast roping, catching and launching aircraft, and hearing a sonic boom. To be so close to the jets on the flight deck and get even a partial experience of what his job is like was incredible.
Fast forwarding two days, I woke up with an itchy feeling in my throat. I had been on a ship all day, touching every handrail in sight and in close quarters with lots of people. Singers, you know this feeling; the dread that it's not going to go away with more water, that you're doomed to a cold. All of my best efforts to stave it off were in vain and by the evening, I was just miserable. I had an audition scheduled over the weekend and unfortunately had to cancel. I couldn't phonate even halfway up the staff and was attached to a box of tissues. Since the audition was during his pre-deployment leave, we had booked an AirBnb for the weekend to be able to travel together and experience the city. It was already paid for and too late for a refund so we decided to go anyway. The trip was physically exhausting (sick person keeping up with healthy person), but what a difference it makes to take an actual vacation instead of a working vacation.
Almost all of the times I travel, it's for a gig or an audition. Most times my spouse travels, he's taking a class or completing training for his job. It has sadly been six years since we've traveled together to only spend time with each other and not have work brought along! Even when I'm not gigging, there are many things on my plate. Translating, memorizing, emailing, updating materials and website, practicing, learning that new aria for my audition package, planning social media posts, etc. Because I work for myself, I have no limits to my day and rarely have a cutoff for when work is done and it's time to be off the clock. This makes me feel like I have never-ending lists and am not accomplishing anything. I didn't realize how much I need to make a change in my routine until this trip to NYC. I came home still not feeling well in body, but being recharged in mind. I had finally taken a true vacation to enjoy food, performances, and spend time with my spouse.
As I had written here in January, I left audition season feeling very burned out and have been using this spring to recover. Realizing that my at-home routine isn't working for me was a lightbulb moment and something I need to take action on. I'm still trying to narrow down exactly what changes I'm going to make but know this is a key to staying motivated and feeling creative.
What is your daily routine like? Do you take time each day for yourself? How do you self-manage if you work at home? Would love to hear about how you structure your work life to make room for your personal life.


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Haematococcus pluvialis cultivation/
I have been growing cultures of H. pluvialis for several years and still haven't figured out what exactly they like to grow optimally. I make have tried a media called "Optimized Haematococcus Medium" with mixed results. I also grow it at the temperature and light recommendations suggested for the best growth. However, this algae is still quite slow growing and never reaches high cell densities. This slow growth can lead to issues, namely contamination by other algae species. I recently had an issue of contamination which may have came in undetectable quantities in the original culture and only now reached noticeable density. This requires a re-isolation of the original H. pluvialis culture, a process that can take several months.
On the upside of my slow growing HP cultures, is high astaxanthin production. In my cultures I notice cells that are not quite in the full red/resting phase but still seem to be dividing and growing. The motile phase is barely present. Most other cultures of algae are much more straight forward to grow, but I feel it is worth my time to work on perfecting HP cultivation.


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Evaluación del Programa de Cooperación de la FAO en Nicaragua
30 April 2018
El objetivo de la evaluación fue el de valorar el posicionamiento estratégico y contribución de FAO a los resultados obtenidos en el periodo 2013-2016 en Nicaragua basándose el Marco de Programación País (MPP) vigente. La evaluación tomo en cuenta la reducción presupuestaria notable que sufrió el programa debido a los cambios en la dinámica de la cooperación al desarrollo y la naturaleza del acompañamiento requerido para contextualizar los hallazgos y formular recomendaciones.El modelo de asistencia técnica de la FAO en [...]
Final Evaluation of the Institutional Level Component of the Project "Support for Livestock-based Livelihoods of Vulnerable Populations in the Occupied Palestinian Territory"
27 April 2018
Palestinians in the WBGS face a protracted crisis; durable and sustainable solutions are needed to protect and promote their livelihoods beyond short-term responses. In an effort to link relief, rehabilitation and development, this project represents the institutional component of a larger programme funded by the European Union to provide "Support for Livestock-based Livelihoods of Vulnerable Populations in the Occupied Territories". Under this project, FAO successfully led the coordination of all developmental activities to enhance public capacities of the Ministry of [...]
Evaluation of the Project "Voices of the Hungry"
30 March 2018
Assessing the levels of hunger and food insecurity is essential for alerting decision makers, ensuring accountability, and developing and monitoring policies aimed at addressing hunger. The "Voices of the Hungry" Project is an effort to develop a global Food and Nutrition Security indicator based on people's own perceptions of hunger. Building on prior experiences of partners, FAO developed the Food Insecurity Experience Scale (FIES), an experience-based measurement tool consisting of a set of questions about people's access to adequate food. [...]
Final Evaluation of the Project "Capacity Development of the Irrigation Department of the Ministry of Agriculture, Irrigation and Livestock of the Islamic Republic of Afghanistan"
06 March 2018
The FAO and JICA-funded project "Capacity Development of the Irrigation Departmentof the Ministry of Agriculture, Irrigation and Livestock of the Islamic Republic of Afghanistan" was designed to improve the capacity of the Irrigation Department to formulate, implement, monitor and evaluate agriculture irrigation development projects. The results of this Final Evaluation set a sound foundation for the management of the irrigation sector as it contributed to enhance Irrigation Department's staff skills, knowledge and awareness, as well as to develop an Irrigation [...]
Final Evaluation of the Project "Strengthening Climate Change Resilience and Disaster Risk Reduction in Agriculture to Improve Food Security in Haiti After the Earthquake"
28 February 2018
Over the past decade, the country of Haiti located in the Caribbean has been subjected to numerous natural disasters, including Hurricanes Isaac and Sandy in 2010. Implemented by FAO and funded by the LDF, the agricultural and livelihoods resilience project "Strengthening Climate Change Resilience and Disaster Risk Reduction in Agriculture to Improve Food Security in Haiti After the Earthquake" sought to restore livelihoods, introduce climate-smart agriculture techniques and rehabilitate damaged land and livelihoods. The final evaluation found solid gains made [...]
Final Evaluation of the Project "Integrating Climate Resilience into Agricultural Production for Food Security in Rural Areas of Mali"
28 February 2018
The agricultural sector in Mali is adapting to climate change while continuing the struggle to alleviate poverty and improve rural livelihoods in a conflict-affected environment. Thanks to the project "Integrating climate resilience into agricultural production for food security in rural areas of Mali" FAO supports the Malian Government and a large number of development partners on the ground by integrating climate resilience in the policies and practices of the agricultural sector. Farmer Field Schools (FFS) have proven to be the [...]
Evaluation of FAO's contribution to the Myanmar Country Programme
20 February 2018
Myanmar has been undergoing a rapid political transition and started the development path experienced by other countries in the region. Yet, the majority of its population lives in rural communities, and nearly three-quarters of them remain in poverty. Natural disasters and prolonged conflicts affected livelihoods and food security of the poor and the displaced. With FAO support, marginalized fishing communities learned to safeguard their fishing rights and become economically viable. Community forest producers established an effective national organization, leading to [...]
Final Evaluation of the project "Forestry and Protected Area Management in Fiji, Samoa, Vanuatu and Niue (GEFPAS-FPAM)"
15 February 2018
Fiji, Samoa, Vanuatu and Niue are located within two of the World's 34 "Biodiversity Hotspots" where the richest reservoirs of plant and animal life are found. The GEF-funded project, "Forestry and Protected Area Management in Fiji, Samoa, Vanuatu and Niue", sought to overcome the many threats affecting biodiversity in the four countries. The results of this Final Evaluation set a sound foundation for the management of protected areas as it contributed to a substantial increase in their coverage, to improved [...]
对支持执行《土地、渔业和森林权属负责 任治理志愿准则(2012-2016年)》全球计 划的最终评价
04 January 2018
Evaluation of FAO's Contribution to Bangladesh
29 December 2017
FAO's programme in Bangladesh is one of the largest among member countries in terms of number and volume of projects. In consultation with the Regional Office for Asia and the Pacific (RAP) and the FAO Country Office in Bangladesh, the Office of Evaluation (OED) conducted an evaluation of the Bangladesh country programme to provide input into the preparation of the next CPF. This evaluation covers FAO's work between 2011 and 2015 in order to align with the start of Bangladesh's Sixth [...]


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Urbn Timber utilizes strategic relationships with Columbus, Ohio arborists who allow our business to locally source hardwoods. Each tree we salvage is felled by arborists due to natural causes, then delivered to our log yard and milled into live edge slabs. The wood slabs are stacked and air-dry for 12 to 24 months to preserve their vibrant colors and rich character. Completing the drying process, each live edge slab is kiln-dried for three months resulting in a single digit moisture content to ensure stability and longevity for your furniture.
Urbn Timber collaborates with designers, architects, homeowners and businesses to create sustainable, handmade furniture for both residential and commercial spaces. Our passion is to support the community by crafting the highest quality handmade products with a local spirit worthy of sharing. Urbn Timber and our makers are dedicated to each project and guide clients during each step of the process. By controlling the product from Tree to Table, we can ensure each piece of furniture is carefully crafted with our quality standards.


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The Aam Aadmi Party has slammed Prime Minister Narendra Modi's direction to BJP functionaries, asking them to submit details of bank transactions made between November 8 and December 31 to Amit Shah, as being a farce.
The party alleged BJP leaders were "aware" of demonetisation much before November 8 and had "settled their unaccounted cash" by the time Modi made the announcement.
PM Modi also said that the disclosures should be made public and transactions six months prior to announcement of demonetisation need to be examined.
Addressing a press conference, senior AAP leader Ashutosh also questioned Shah's authority in this regard, saying the details should rather be given to the Income Tax department. "He (Modi) is a very good event manager. It is a farce. "What authority does Amit Shah hold? IT department should be given the details. The disclosures should be made public," he said.
"BJP leaders had all the information before November 8 itself. The real picture will come to light if their transactions six months prior to November 8 are looked into," Ashutosh told reporters.
He said the Prime Minister's direction to BJP MPs and MLAs to submit their bank account statements of transaction to Shah was "another drama" meant to "hoodwink" the public, who are in "distress" due to demonetisation.
He also dared the BJP to disclose the source of "80 per cent of its funding", which he claimed was unknown. BJP should also answer as to why it is "opposed" to coming under the RTI Act, he said.
AAP's Delhi Convener Dilip Pandey said proposed amendment to the tax law "turns demonetisation into another voluntary disclosure scheme".
He said the situation on the ground would turn worse once money reaches the accounts of the salaried class in the beginning of next month.
"I don't know why the government is trying to hide the real picture. The fact is government is short of cash. Nothing has normalised on ground. The proposed amendment to the tax law turns demonetisation into another voluntary disclosure scheme," Pandey said.


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Family Art Studio 2016- Family Portraits
A visual storytelling class with parents and students of Escalante Elementary. Salt Lake City is home to vibrant immigrant and refugee populations, presenting opportunities in our neighborhoods and schools for diverse storytelling in a variety of forms. This multi-week course engaged parents to create art alongside their children to explore their personal family narratives around immigration and movement, and family and cultural traditions. The work from this program was on display at Art Access as part of their Dreamers program in Fall 2016.
Claim It! Photography Project
OurSLC: Claim it! was a multi-year civic arts project with the Sorenson Unity Center and Salt Lake City Corp. Working through a variety of civic engagement activities and programs, youth groups and neighborhood residents explored what it means to claim their neighborhood, its rich history, diverse cultures, and current vitality. Participants rendered this exploration visible through site-specific public art installations and through anon-going social practice in order to increase the community's sense of connectivity and visibility. The Claim it! Film and Photography project was led by Megan Hallett and Kerri Hopkins, but was community generated.
Claim it! Film
The Claim it! Filmproject was led by Megan Hallett and Kerri Hopkins, but was community generated.


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IMPORTANT: Always call the business before going to take the factory tour. We try and keep our data s up-to-date as possible but you should always check first.
Wimberley Glass Works
6469 Ranch Road 12, San Marcos, TX 78666
Latitude: 29.917225 Longitude: -98.044128
Email Address:
[email protected]
Tim de Jong established Wimberley Glass Works in 1992. Since then, it has grown into one of the most premier glass studios in the region. Our goal is to educate, entertain and inform the public by offering free glassblowing demonstrations in a relaxed environment. The gallery is conveniently located next door, where the work is both original and affordable. Let us entice you with a brilliant exhibition of colorful glass. Whether your style reflects traditional, contemporary or whimsical, Wimberley Glass Works has something for everyone. Come see us soon for an enjoyable experience!
After a tour of the studio, stroll next door to the gallery where you'll find an assortment of decorative and functional hand blown glass. We have a large selection of tasteful items ranging from tumblers and ornaments to unique sculptural vases. Each piece of glass is a handcrafted original with a style all of it's own.
We invite you to visit our studio and observe the amazing process of glass blowing.
The glassblowers are currently working Wednesday thru Saturday from approximately 10:30 to 12:30 and 1:30 to 4:30. There is no fee for watching the glassblowing demonstrations during these times, you can come and go at your convenience. Please check the website for current glassblowing schedules or call 800-929-6686 to verify demonstration availability.
If you would like to schedule a demonstration for a group, we do set appointments so you can enjoy watching a piece made from start to finish. There is a $2 fee per person for set times.
Please call 1-800-929-6686 or 512-393-3316 for more information or to schedule a group demonstration


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Business insurance is a complex animal. The list of potential risks is long and fairly nuanced, depending on the type of business at hand. Without an industry expert in your corner, it can be easy to overlook certain "what-if?" scenarios that aren't expressly covered by your business owner's policy. Having the right agent on your team, to anticipate and explain hidden gaps, is essential.
In the world of microbreweries, utility service interruptionis a perfect case in point. Utility service interruption is a specific type of loss event—an event not typically covered by standard commercial property terms, nor equipment coverage (a.k.a. "inland marine"), nor basic business interruption, despite its similar-sounding name. Meanwhile, utility service interruption is a very real and very costly exposure.
So here's what you need to know:
What is utility service interruption insurance?
Also known as "off-premises power coverage," utility service interruption (USI) is an endorsement that can beaddedto basic business interruption and/or commercial property coverage. USI typically covers disruptions to the following:
· Your Water Supply (pumping stations, water mains, sewer mains)
· Your Power Supply (utility generating plants, switching stations, substations)
· Your Communications Supply (optic fiber transmission lines, coaxial cables, microwave radio relays, overhead transmission lines)
USI endorsements vary widely, in terms of which utility services are included, whether both "Direct Damage" and "Time Element" losses are covered, whether transmission lines are covered, and other variables. Your brewery insuranceteam should help you define which elements within these categories are covered on your policy.
What's the difference between Direct Damage and Time Element Losses?
There are two ways to extend your basic insurance program by adding USI coverage: a direct damage endorsement and/or a time element losses endorsement.
A Direct Damage endorsement acts as an extension of your propertyinsurance, offering protection against damage to tangible property, resulting from a utility interruption. So if, for example, a power line down the street is struck by lightning, and a surging electrical current flows back into your building, the burst can overwhelm your surge protectors—damaging your computers, appliances, breakers, switches and receptacles. A Direct Damage endorsement would kick in to cover any new wiring needed or equipment replacement.
Time Element Losses, on the other hand, are associated with stalled operations and lost income. After a utility disruption, lacking electricity or water would likely prevent you from opening your doors—costing you money. Similarly, if a prolonged power outage affected your ability to control fermentation temperatures, you might lose valuable batches of beer: more lost income. A USI Time Element endorsement would extend your business interruption coverage to help you recoup these losses, up to a predetermined time limit or until utility service was restored.
But I already have business interruption coverage? Isn't this the same thing?
Not necessarily. Basic business interruption insurance covers your costs if an unexpected event (e.g. a fire or a flood) damages your propertyand forces you to close shop for a short time. In some cases, basic business interruption may also cover certain types of utility disruptions while excluding other types; overhead transmission lines are a prime example. Be sure to ask your agent which utility disruptions, if any, are included in your current BI policy.
How common are utility service interruption events?
In the past 10 years we've all been affected by at least one severe weather event. Following the October snowstorm of 2011, thousands of New England customers lost power—many for more than a week. Hurricane Sandy caused nearly 400,000 power outages in Massachusetts alone, dragging out over a five-day span.
Lightning is another common concern. According to electro-mechanical consultants, direct and indirect lightning strikes happen every day, causing a variety of business interruptions. "…All business machines and various equipment types can be electrically shorted and mechanical components become fused, resulting in premature failure, if not instant total loss. Water pumps, blower motors, alarm systems and machinery can be compromised. Building plumbing, HVAC air handlers, heaters and wiring can have extensive damage affecting the operation and control." In fact, in 2015, nine percent of all reported claims involving HVAC systemswere caused by lightning strikes.
What does utility service interruption insurance cost?
Costs and ideal coverage limits vary, depending on your operation. The cost may also be a function of your carrier's property rating algorithm. To provide a ballpark figure, our craft brewery insurance team was able to add $25,000 in utility service coverage—including overhead transmission lines—for a mid-sized brewery/tap room, for less than $200 per year. Well worth it, when you consider the cost of new equipment or multiple days of downtime.
What do I need to ask my agent about USI coverage?
We recommend having a conversation with your brewery insurance agent as soon as possible—especially now that we're officially into hurricane season. He or she can explain the conditions under which your insurance company offers USI coverage, as well as advise you on what makes sense for your microbrewery. Talking points should include:
- The types of utility power or service to be listed on your policy
- The specific waiting period (often 24 or 48 hours) that must elapse before coverage is triggered. (Instead of a flat deductible, there is typically a waiting period for coverage to kick-in. Because of this, you will want to consider how much your business could absorb before you would need to be reimbursed, factoring in peak and low periods of business.)
- Whether or not your USI coverage applies to contingent third-party locations (suppliers and receivers)
In addition to utility service interruption, there are many other niche coverages and endorsements that craft brewers should at least consider adding to their policies. If you're not sure what your current program covers (and what it doesn't), please don't hesitate to contact our knowledgeable brewery insurance team.
In addition to being a craft brewery insurance expert, Ben Cavallo is the owner and principal of C&S Insurance, a proud member of the Mass Brewers Guild. He holds degrees from Emory University and Boston College, as well as CIC, AAI, and CISR insurance designations. He can be reached at 508.339.2951 or email@example.com.


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VATICAN CITY (CNS) — Pope Francis offered prayers for the families of the victims of the mass shooting in Orlando, Florida, and expressed hope that people would find ways to identify and uproot "the causes of such terrible and absurd violence."
A lone gunman, pledging allegiance to the Islamic State terrorist group, killed 49 people early June 12 at Pulse, a gay nightclub in Orlando. Another 53 people were injured before the gunman, identified as 29-year-old Omar Mir Seddique Mateen, was killed by members of a police SWAT team.
Police said Mateen, a private security guard, legally purchased the two guns he used in the shooting, which is the deadliest mass shooting in U.S. history.
In Philadelphia, Archbishop Charles Chaput issued a statement Sunday afternoon, June 12, regarding the tragedy.
"The recent violent acts committed in Orlando are horrific and they fill all of us with an unspeakable sadness," he said. "Innocent and precious lives were lost in a senseless and evil way. The family and friends of those who perished now shoulder a heavy burden of grief and suffering.
"As Christians, our duty is to pray for those whose lives were ended by the inexcusable cruelty of others and to ask God to pour his comforting grace upon all those who are in mourning."
A Vatican statement also released June 12 described the shooting as an expression of "homicidal folly and senseless hatred."
"The terrible massacre that has taken place in Orlando, with its dreadfully high number of innocent victims, has caused in Pope Francis, and in all of us, the deepest feelings of horror and condemnation, of pain and turmoil."
"Pope Francis joins the families of the victims and all of the injured in prayer and in compassion. Sharing in their indescribable suffering he entrusts them to the Lord so they may find comfort.
"We all hope that ways may be found, as soon as possible, to effectively identify and contrast the causes of such terrible and absurd violence which so deeply upsets the desire for peace of the American people and of the whole of humanity," the statement concluded.
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Item Type: Shirts
Sport Type: Golf
Sleeve Length(cm): Full
Gender: Women
Brand Name: pgm
Material: Cotton
Listing time: Summer 2017
Do you have the same type of store?: yes
Color classification: YF075 playing cards short T, rose red [photographed 5 days shipped] YF
No.: YF075
Up classification: t-shirt
Applicable object: female
Size: S M L XL
Item Type: Shirts


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In over 50 years of performing, one of the most common requests Bill Robinson has gotten is, "Do you have an album with just dulcimer music?" This recording is a response to that request; It is simply hammered dulcimer. Accompanying Bill is his cousin Marvin Robinson (bass), and his long time musical partner, Greg Ferguson (guitar). All 16 tunes are original compositions by Bill. Many of them have never been recorded by him and several are all-time crowd favorites that haven't ever been heard quite like this!
To order your copy today contact Bill through this website:
Listen to a few of the tracks below!
Track List
- Festival Rag
- Steppin' Out With George
- St. Charles Dulcimer Blues
- Okey Dokey
- Chuckles
- Jim Whitehead Special
- Spread the Joy
- Lone Star
- Katie did the Blues
- Knee Deep in Snow
- Old Saw Mill Road
- Road to Hana
- Louie's Back in Town
- Ann E
- Cold Winter Night
- Grace


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What Is A Business Pulse And How To Use It To Grow Your Business/
Change is constant! Change is opportunity! Change is happening!
Make your business pulse the one that adapts – 'If you avoid change, you will not recapture your past or hold onto your present; you will only lose your future'


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Fête Chinoise is a BizBash Event Style Awards WINNER!
It takes a village. As we prepare for the upcoming Fête Chinoise 2019 showcase, we have big news!! Earlier this week in New York City, Fête Chinoise was awarded the 2018 BizBash Event Style Award for Best Non-Profit Event Concept in its category. We are honoured to be amongst some of the top events internationally. We want to take this opportunity to recognize our partners and exhibitors for the team effort in creating such an amazing and curated event together!! Last year's event was in support of @mshospital and @fugentheatre. Thank you to our committee who is so passionate about culture, design and the community. ❤ Special thanks to our 2017 sponsors @hsbc @holtrenfrew @shangrilato @maisonbirks @remymartin @louisxiiicognac and event partners @contemporaryfurniturerentals Firedog Creative @eventgraffiti @reznickeventcarpets @timchin @jamescorreia @yyzevents @ikonicaimages @georgepimentel1 @monoclebooth @portraitsonwhite @djflohback


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Audit Trails
ASTRA and DYNAMICS provide two levels of audit trail to independently record all operator actions that create, modify, or delete electronic records. Each entry in the audit trail is time-stamped, and records the operator performing the actions, as well as the computer where the actions are performed. In the screen shot on the right, the general view of the system log is displayed, along with an experiment log.
System log
The system log is always associated with the database where the data is stored. This audit trail cannot be separated from the data associated with it. The system log records actions such as:
- Logins, login attempts, and logouts
- Data creation, modification, and deletion
- Database connections and disconnections
- Import and export of data from the database
Experiment log
Each experiment has a separate log that records all actions within the experiment that affect the data. The experiment log is always with the experiment, and cannot be reset. The experiment log records actions such as:
- Changes to instrument configuration settings
- Changes to analysis methods
- Collection of data
- Electronic signatures executed to the experiment
- Changes in presentation methods


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October has come and gone, and the thirty days prior to this are in the bag, and I've written so much that I'm not sure was relevant or helpful or even that made sense.
But I am glad I have written it all the same.
I don't know that writing this series has illuminated anything new for me or for my concepts of calling. Really, I've just written my journey. But it was so timely to write this series, especially as I am about to head off to graduate school.
Because, at long last, I am finally going. Praise the Name.
Writing these posts in October has shown me some of the hand of God on my Road. It's clarified some of what I actually think about these things. And it's shown me that it all really is one big adventure, like I've always said. Like I'll keep saying.
To those of you who read along, thank you for coming with me. It's an honor to have you read my words.
I really know not what to say for this last post. I thought I might try to write my version of blank-verse poetry, but as I type I am so tired. Like. SO tired. I'm kind of tilted sideways in my chair, leaning on my left elbow, with my head tilted back to the right. My spine is probably some weirdly convoluted S-shape. S is for Sara and soprano and Shakespeare and, for that matter, spine.
I know not what to say except for hallelujah, I'm done with this series.
Following calling takes it out of you, friends. And writing is part of calling for me, and this has not been easy to write. We are never ever promised an easy road. So many days I haven't wanted to practice.
But while it take sit out of you, it also fills you up, and you are exhausted but overflowing with joy. And it is worth it.
Today, at the end of this series, I want to encourage you in faithfulness. I am incapable of continuing with perseverance and hope and faith in and of myself -- but Jesus works in me and sings through my high voice and speaks in my little words and helps me to be faithful to the work He has given me to do.
He will always do the same for you, too.
Today, lean back into Him (last night my voice teacher told me to lean back into my sound) and rest in Him and let Him move your hands.
He will help us to be faithful.
Friends, do not give up. You were made for this. Do not give up.
Always, ever, we begin again.
Fall down on your bed and be exhausted, dive in deep and submerge your whole body in it. Sometimes it will be like pulling teeth. Other times it will be like the overflow of Niagara Falls.
All you have to do is show up and not give up, and just take the next right step, even (especially) if it's small.
You are loved, and you have been made for this.
Always we begin again? Indeed, and we begin again today.
You are made for this.


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Well, we made it! The calendar clicked over to the New Year which is the traditional time to look back on your accomplishments of the past year and reevaluate areas that need help. Why do we need such an arbitrary date to make us take stock of things? It seems like we should be doing this all the time, but sometimes it takes a new year to wake us up and see the things that we need to work on. Maybe all the reasons to procrastinate are over (the holidays ARE such a busy time!) and everyone is talking about goals and resolutions for the new year.
If your finances are on the list of areas that you feel needs attention, you should consult with an Investment Advisory Representative that is associated with a Registered Investment Adviser. Investment Advisers registered with the SEC or a state securities regulator are fiduciaries and are subject to the duty of loyalty and due care with their clients. They must place the client's best interests above their own and are typically compensated by asset management fees. While a host of professionals call themselves "financial advisors" including insurance agents/representatives and stock brokers, they do not operate under the fiduciary standards and are generally compensated on a transactional basis. It is important to find a Financial Advisor that has the knowledge and philosophy that matches you and your family's needs.
As we start the New Year, here are some ideas that most of us should consider.
New Year's Checklist
Check your 401-k contributions. The annual amounts have increased to $19,000 and, if you are 50 or older, to $24,000.
Are you earning interest on your cash? Most banks are still paying miniscule amounts of interest on savings accounts. With the Fed having raised interest rates 9 times (cue Ferris Bueller), you have better options like money-market accounts or CDs.
Review your IRAs to make sure beneficiaries are listed and accurate.
Review your will (you have one, right?) and ensure your beneficiaries and choice of executor are up-to-date.
And in the words of Ferris – "Life moves pretty fast. If you don't stop and look around once in a while, you could miss it.
Hope you and your families have a healthy and prosperous 2019!
Advisory services offered through APG Capital Asset Management, a Member of Advisory Services Network, LLC.
Phone: 713-446-3233 Website: www.apgcap.com
All views/opinions expressed in this newsletter are solely those of the author and do not reflect the views/opinions held by Advisory Services Network, LLC. Indexes are unmanaged and do not incur management fees, costs, or expenses. It is not possible to invest directly in an index. The information and material contained herein is of a general nature and is intended for educational purposes only. This material does not constitute a recommendation or a solicitation or offer of the purchase or sale of securities. The future performance of an investment or strategy cannot be deduced from past performance. As with any investment or investment strategy, the outcome depends upon many factors including: investment objectives, income, net worth, tax bracket, risk tolerance, as well as economic and market factors. All economic and performance data is historical and not indicative of future results. All information contained herein is derived from sources deemed to be reliable but cannot be guaranteed.


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Property Reference: M548311
Traditional thatched cottage | Open fire | Pet-friendly
2 nights - mostly start on Fri or Sat
3 nights - must start on Fri
4 nights - must start on Mon
5 nights - 22nd or 29th Dec 2012 only.
"Set within its very own idyllic hamlet oozing with charm and character this delightful chocolate box cottage is a hidden gem. It beholds its very own piece of design theatre mixing the traditional with a touch of the contemporary.\nTake a hop skip and a jump through the uber cool glass atrium to enjoy the ultimate entertaining space. With its indoor-outdoor vibe this open plan kitchen diner is the perfect space for friends and family to gather and enjoy a sumptuous dinner and some fun board games. The little ones of the family won't be disappointed either directly attached to the hub of the kitchen is the playroom adorned with toys books and a rather delightful Victorian dolls house of epic proportion for them to enjoy.\nPerfectly positioned within the 'gateway to the Cotswolds' adventure awaits. Sitting on the edge of a sleepy hamlet this rural escape is just a 5-minute drive from the delights of the historic town Burford. You might decide to spend the day meandering amongst its antique shops purchase some country casuals at one of the boutique fashion houses or indulge in afternoon tea with a few bubbles. Those seeking a thrilling day out won't be disappointed just a short trip along the road you will find Cotswold Wildlife Park and Gardens where you can spend the day getting wild on a safari.\nAfter a day of exploring let yourself be drawn back into the snug of Betty's Cottage kick off your shoes and Barbour grab a blanket and cosy up by the open fire."
Betty's Cottage: sleeps 6 in 3 bedrooms and 2 bathrooms. One designated parking space directly outside and additional street parking.
Ground FloorSitting room: Entrance door, flat screen TV with Freeview, DVD player, coffee table, open fire, window seat, 2 sofas, 1 armchairBedroom 1 (Sleeps 2): Located on the ground floor, double bedShower room: Walk in double showerCloakroom: Coat hooks and shoe storageKitchen Diner: Fridge/ Freezer, dishwasher, washing machine, electric hob, Bosch oven and grill, TV, dining table and 6 chairsPlayroom/Utility: Tumble dryer, toys, games and large dolls house
First FloorMaster Bedroom (Sleeps 2): Kingsize bed, TV and window seatBedroom Two (Sleeps 2): Twin bedsBathroom: Bath with shower overhead
OutsideThe rear garden is partially enclosed, bistro table and 2 chairs
Pet friendly There is ample street parking 1 cot, highchair and stairgate available Please note that WIFI may be limited as the bandwidth may not permit the streaming of films
Activities nearby: Horse riding, Golf, clay-pigeon shooting, cycling and walking and Cotswold Wildlife ParkIdeally located for exploring: Stow-on-the-Wold, Burford, Bourton-on-the-Water and Cheltenham.Great local pubs, restaurants and cafes only 3 miles away


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A team of 6 boys from Years 5 and 6 went to the Gallagher Stadium to play in a football tournament.
Our first cricket competition for Year 2, in a mini tournament at Senacre.
Read on to find out what we were awarded for our commitment to sport at Senacre!
On 8th October, a team of Year 5 and 6 girls travelled to the K Sports ground to take part in their first competitive opportunity of the year.
An exciting afternoon at Maplesden Noakes.


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Ginger Cookie
Our version of a gingerbread cookie. It's soft, fluffy & contains no milk, eggs, or butter.*
makes ~15 cookies
140 g olive oil
225 g sugar
140 g pumpkin purée, canned
85 g molasses
30 g ginger purée or grated ginger, squeezed dry
450 g AP flour
55 g cornmeal
1 Tbsp cocoa powder
½ Tbsp ginger, ground
½ Tbsp cinnamon, ground
¾ tsp clove, ground
¾ tsp salt
¾ tsp baking soda
½ Tbsp baking powder
- Preheat oven to 350F.
- In a stand mixer using a paddle mix the oil, sugar, pumpkin purée, molasses, and ginger purée.
- Combine the dry ingredients in a separate bowl, then add to the wet mixture & stir until evenly combined.
- Line a 9x13 sheet pan with plastic wrap and press dough evenly into each pan. Cover with plastic wrap and chill for at least 4 hrs.
- Using the rim of a drinking glass, cut circular cookies & place on a parchment paper line baking sheet.
- Bake for 10-12 minutes. They won't look completely done, but they will still cook a bit once out of the oven. Careful not to over bake, these dry out easily.
*Don't be intimidated by the use of grams. Scales are actually the easiest (& best) way to bake. You can buy yourself one for $15 bucks and watch a whole world of baking open up to you.
ideas / variations
- Press raw or candied cashew pieces into the top before baking.
- Use your favorite cookie cut out (we like clouds or hearts!) to make them more festive.
india1948 team


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The US Department of Education has had a belated epiphany. After years of using waivers to beat down educators, they've realized it was counter productive and has only served to destroy morale within the profession. USA today reports:
In his first major speech, the acting U.S. Secretary of Education John King apologized to the nation's teachers.
Speaking to a small group of teachers, students and local politicians here last month, just three weeks after taking over the post, King admitted the USA's education debate over the past few years has been "characterized by more heat than light," and that despite reformers' best intentions, "teachers and principals, at times, have felt attacked and unfairly blamed for the challenges our nation faces."
King acknowledged the attacks had come from as high up as his own federal agency in Washington, D.C., where he'd served as a top advisor to former Education Secretary Arne Duncan for more than a year.
"All of us — at the local, state, and federal level, the Education Department included — have to take responsibility for the climate that exists," he said. "There is no question that the contentious tone has made it harder to have productive conversations."
This new outlook is likely less a real epiphany and more a reaction to the removal of dictatorial powers the US Department of Education was wielding when the Every Student Succeeds Act was signed into law.
ESSA radically reduces the U.S. Department of Education's authority over state curriculum, standards and testing and curtails the secretary of education's authority over state and local policy making. The law states:
Nothing in this title shall be construed to authorize the Secretary or any other officer or employee of the Federal Government to mandate, direct, or control a State, local educational agency, or school's instructional content or materials, curriculum, program of instruction, academic standards, or academic assessments; teacher, principal, or other school leader evaluation system; specific definition of teacher, principal, or other school leader effectiveness; or teacher, principal, or other school leader professional standards, certification, or licensing.
King has so little influence now that all he is left with is to show respect and do some listening. Something the Department of Education should have been doing all along - instead of listening to the whims of billionaire corporate reformers.


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Posted on August 3, 2011 by Cause Effect Agency
We are happy to report that Pass on the Gift, produced by Cause Effect Agency with client Heifer International and Food Network host Alton Brown, was featured last week as "excellent cause video" of the day by Daily Do-Gooder. As DDG points out, this short, simple video outlines Heifer's innovative approach to solving world hunger, making use of Brown's unique talent for presenting information in an engaging way.
Click below to watch the video, and thanks again to Alton Brown for his loyal support for Heifer International!


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On April 7, 2017, the 193rd Diet of Japan passed a legislation regarding clinical researches – this "Law on Clinical Research (rinsho kenkyu hou)" will come into effect within one year. Discussions on a new regulation on clinical research had been underway, for the purpose of regaining credibility of Japanese clinical researches, which had substantially deteriorated after the recent series of scandals involving them.1
This Law on Clinical Research (the "Law") aimed to secure the quality of, and to protect the subjects in, certain types of clinical researches, which play critical roles in the advancement of medicine but, nevertheless, have only been conducted pursuant to ethical standards, and to prevent any further inappropriate behaviors, through strengthening the regulatory power of the authorities, while avoiding excessive burdens on researchers and without breaching their freedom over research.
Below, you will find a summary of the Law2, followed by "key points to consider" from the perspective of marketing authorization holders (the "MAH") of Drugs and Medical Devices3.
1. Scope of Law
In general terms, "clinical research" encompasses a wide variety of researches; however, the "clinical researches" that would be subject to the certain obligations set forth in this Law are those that fall under the definition of "Specified Clinical Research."
"Specified Clinical Research" is a Clinical Research that falls under either of the followings:
- Clinical Research (i) conducted by using certain MAH's Drugs and Medical Devices, currently marketed or planned to market, and at the same time, (ii) that receives Research Grants4 from such MAH5 (Article 2, Paragraph 2, Item 1).
- Clinical Research (i) conducted by using Drugs and Medical Devices not approved under the Pharmaceutical and Medical Device Law or (ii) involving off-label use6 of the Drugs and Medical Devices (Article 2, Paragraph 2, Item 2).
The term "Clinical Research" is also defined under this Law7, and this definition excludes "clinical trials and other matters prescribed in the MHLW Ordinance (the "Clinical Trials")8; accordingly, the scope of the Specified Clinical Research, regulated under this Law, would be: (i) Clinical Research (excluding, by definition, the Clinical Trials) that (ii) either (a) involves receiving Research Grants from a MAH, when the Drugs and Medical Devices of such MAH are being used, or (b) involves non-approved Drugs and Medical Devices or off-label use thereon.
It is important to understand the scope of the Specified Clinical Researches, and to accurately analyze the ongoing clinical researches to see whether any researches fall under such definition.
2. Obligation of Clinical Researcher
The persons/institutions conducting the Specified Clinical Research (the "Specified Clinical Researcher") have the following obligations under this Law, in conducting the Specified Clinical Research. They can be broadly categorized into three categories: (i) obligation to comply with standards set by MHLW, (ii) obligation to submit research plans and request for review by the Certified Clinical Research Review Committee9 and (iii) other obligations. The aim here shall be to secure credibility of the outcomes of the clinical research – similar to that of clinical trials under GCP regulations10 – by upgrading the rules from ethical standards to regulations that has legal binding power and penalties.
(1) Compliance of Clinical Research Standards
MHLW would need to establish "standards for conducting clinical researches" (the "Clinical Research Standards"; Article 3, Paragraph 1), and the Specified Clinical Researcher is required to comply with the Clinical Research Standards in conducting its Specified Clinical Research (Articles 4, Paragraph 2).11 The details of the Clinical Research Standards are not yet clear, but the following items will be stipulated accordingly to the Law (Article 3, Paragraph 2), and therefore, it is anticipated to have standards on, among other matters, (i) conflict of interests between the MAH and the Specified Clinical Researcher and (ii) monitoring of the adequacy of the clinical research.
- Matters concerning implementation structure (Item 1)
- Matters concerning structure and equipment of facilities (Item 2)
- Matters concerning monitoring of status (Item 3)
- Matters concerning compensation and provision of medical services, in case of occurrence of health hazards (Item 4)
- Matters concerning involvement of MAH (and persons with special relationships) (Item 5)
- Other matters necessary for the clinical research (Item 6)
(2) Submission of Specified Clinical Research Plans and Review by Certified Clinical Research Review Committee
Specified Clinical Researcher is required to prepare and submit an execution plan (the "Plan") with respect to the Specified Clinical Research to the MHLW (Article 5, Paragraph 1). The Plan needs to describe matters set forth in the Clinical Research Standard, and also as an attachment to the Plan, the opinion, regarding adequacy of that certain Specified Clinical Research as well as other relevant points, from the Certified Clinical Research Review Committee12 is required (Article 5, Paragraph 2, Item 1).
Specified Clinical Researchers shall conduct the Specified Clinical Research in accordance with the Plan (Article 7), and appropriate reporting to the MHLW is required in case of amendments to the Plan or the termination of the Specified Clinical Research (Articles 6, 8). As such, in summary, the Specified Clinical Researcher would need to submit the Plan, which should comply with the Clinical Research Standards, to the MHLW in advance, and further, the adequacy of such Plan would need to be reviewed beforehand by the Certified Clinical Research Review Committee consisting of persons who have professional knowledge and experience on clinical researches.13
(3) Other Obligations
As other obligations, Specified Clinical Researchers shall, among others, (i) obtain informed consent from the subjects of the Specified Clinical Research (the "Subjects") (Article 9), (ii) protect the personal information and confidential information of the Subjects (Articles 10, 11), (iii) prepare and maintain records of the Specified Clinical Research (Article 12) and (iv) report adverse events to the MHLW and the Certified Clinical Research Review Committee.
In addition, Specified Clinical Researchers are required to regularly report the status of the Specified Clinical Research to the MHLW and the Certified Clinical Research Review Committee, in accordance with the MHLW Ordinances (Articles 17, 18).
3. Obligation of Marketing Authorization Holders of Drugs and Medical Devices
Under this Law, the MAHs are recognized as the grantor of Research Grants to the Specified Clinical Researches. The provision of Research Grants by the MAH would contribute to the advancement of clinical researches; however, at the same time, it may lead to conflicts of interests issues if the clinical research involves the Drugs and Medical Devices of such MAH (the "Own Products") as the grantor.
In response to such conflict of interests that may arise, this Law imposes the following obligations to the MAH:
(1) Obligation to execute Contracts for Research Grants
The MAH providing the Research Grants without any clear grounds/documents would make the relationships between the two parties unclear. Accordingly, the Law mandated the MAH to execute a contract when providing Research Grants to a Specified Clinical Research involving its Own Products, setting forth the (i) amount and content of the Research Grant, (ii) content of the Specified Clinical Research and (iii) any other matter prescribed in the MHLW Ordinance (Article 32). While it is still not clear on how extensive such contracts would need to be, it would at least likely need to specify the rights and obligation of the parties, with respect to the Specified Clinical Research in question, so that the parties would have a clear base for the actions they take.
(2) Disclosure Obligation regarding Provision of Research Grants
In order to gain credibility of the Specified Clinical Researches, it is important to appropriately manage conflicts of interests, and to secure transparency by disclosing such conflicts of interests arising from the provision of the Research Grants from the MAH to the Specified Clinical Researchers. Given such perspective, as it is widely known, the pharmaceutical and medical devices industry associations have established "transparency guidelines" as its voluntary controls, on which the member companies have created its own policies, for the disclosure of information, relevant to the provision of funds and other goods, through its website or other appropriate means.
Similarly, but as a legal obligation, this Law requires the MAH to disclose information on (i) the provision of Research Grants to Specified Clinical Researches involving its Own Products and (ii) while the scope is still subject to the MHLW Ordinance, other provisions of monetary and other benefits to the Specified Clinical Researchers14 (Article 33). The detailed differences between this disclosure and the disclosure based on the industry associations' transparency guidelines should become clear, once the MHLW Ordinance is issued.
4. Supervisory Authorities of MHLW and Penalty Provisions
In addition to having rights to issue reporting orders and inspection rights (Article 35) as necessary to implement this Law, MHLW may issue emergency orders (Article 19) or improvement/suspension orders (Article 20) to the Specified Clinical Researchers, under certain circumstances such as health hazards or a violation of this Law. Also, in case the MAH violates the obligations to execute contracts or to make disclosures, as mentioned above, MHLW can issue warnings or publicly announce such violation (Articles 34, 35). One thing also worth highlighting is the fact that the MHLW has the right to issue improvement orders or revoke certification of the Certified Clinical Research Review Committee, as reviewers of the Plans (Articles 30, 31).
Note the violations of this Law may be subject to criminal charges (Article 39 ~).
5. Points to keep in Mind for Marketing Authorization Holders of Drugs and Medical Devices
Given the contemplated implementation of this Law, MAH of Drugs and Medical Devices may want to basically keep in mind the following matters:
(1) Clear Standards for Classification of Specified Clinical Researches
Each company shall establish clear classification standards on whether a particular clinical research falls under the Specified Clinical Research, as defined in the Law. These classification processes and the final decision-maker shall be made explicit in the SOPs, and trainings shall be conducted for the relevant employees. Failure to complete required procedures of this Law for the Specified Clinical Research, due to errors/misunderstandings must be avoided.
(2) In case classified as Specified Clinical Research, following points should be confirmed:
- Has the Contract been
As mentioned above, MAH must execute contracts with Specified Clinical Researchers, in certain circumstances pursuant to the Law. If the provision of Research Grants to Specified Clinical Researches involving its Own Products is anticipated, it may be worthwhile to prepare in advance a contact template that reflects the elements required by this Law and the MHLW Ordinance.
- Has Specified Clinical
Researchers completed its Required Procedures?
Procedures such as the submission of the Plan and the request for review by the Certified Clinical Research Review Committee are Specified Clinical Researchers' obligations. However, as the MAH providing the Research Grants, it can be blamed by the authorities if the Research Grant is made "recklessly" without conducting any checks on whether those required procedures have been completed. Accordingly, when Research Grants are provided in relation to a Specified Clinical Research, the MAH should confirm, pursuant to its own SOPs, that the Specified Clinical Researchers have completed all procedures required by laws and regulations, and the contracts to be executed by and between the MAH and the Specified Clinical Researcher shall make such confirmation as a condition to the provision of the Research Grant.
- Risk of Inappropriate
Provision of Labor?
With the enactment of this Law, it is probably true that the burden on the Specified Clinical Researcher in conducting a clinical research has increased. Even if that is the case, if the medical representatives, or other employees of the MAH, assist the Specified Clinical Researcher's obligations/procedures under this Law, that would trigger issues from the perspective of the Specified Clinical Researcher's independence, and also could become an inappropriate provision of labor as prohibited under the fair competition codes. It should be important for the MAH to conduct thorough trainings in this respect.
(3) Appropriate Disclosures regarding Specified Clinical Research
As mentioned previously, MAH of Drugs and Medical Devices are required by this Law to disclose necessary information pertaining to the provision of funds/benefits. Therefore, while each company may already have implemented disclosure policies based on the industry association's transparency guidelines, review should take place to ensure that the current disclosure is sufficient also from the viewpoint of this Law and the MHLW Ordinances. For example, considerations shall be made as to whether the current disclosure format is sufficient, whether the disclosed items are enough and whether the disclosure methods (e.g., the two step disclosures and the consolidated disclosures of group companies) are appropriate.
[1] "Committee for Reconsidering the Clinical Research System" established by the Minister of Health, Labour and Welfare (the "MHLW") initiated discussion in April 2016.
[2] The Article numbers set forth herein are those of the Law, unless specified otherwise. The MHLW ordinances (the "MHLW Ordinance"), delegated by the Law to prescribe detailed rules are not issued yet.
[3] Article 2, Paragraph 3. Collectively include, Drugs, Medical Devices and Regenerative Medicine Products defined under The Law on Securing Quality, Efficacy and Safety of Products Including Pharmaceuticals and Medical devices (the "Pharmaceutical and Medical Device Law").
[4] This is defined as funds for the Clinical Research; this will include benefits to be prescribed in the MHLW Ordinance.
[5] To be precise, provision of Research Grants from persons who have special relationship, as prescribed in the MHLW Ordinance, with the MAH is within the scope here. The same hereafter under the same context.
[6] For Drugs / Regenerative Medicine Products, using it differently from the quantity, dosage and other matters prescribed in the MHLW Ordinances, described under the approval; and for Medical Devices, using it differently from the method of use or other matters prescribed in the MHLW Ordinances, described under the approval, certification or filings.
[7] Defined as, research aimed to analyze the efficacy and safety of Drugs and Medical Devices, through use on humans.
[8] Awaiting the MHLW Ordinance, but aside from clinical trials defined in Article 80-2, Paragraph 2 of the Pharmaceutical and Medical Device Law, clinical researches such as those sponsored by companies or regulated by other laws and regulations may be the exclusions.
[9] Clinical Research Review Committee certified pursuant to Article 23, Paragraph 4.
[10] Good Clinical Practices, set forth by MHLW Ordinances.
[11] The Law stipulates that persons/institutions conducting Clinical Researches, other than Specified Clinical Researches, need to make efforts to comply with the Clinical Research Standards (Article 4, Paragraph 1).
[12] Reviews and issues opinions on the Specified Clinical Researches. Specific Functions are listed in Article 23, Paragraph 1.
[13] The Law stipulates that persons/institutions conducting Clinical Researches, other than Specified Clinical Researches, need to make efforts to request review of the Certified Clinical Research Review Committee, in formulating the Plan and modifying it (Article 21).
[14] Note persons with special relationships, as set forth in the MHLW Ordinance, to the Specified Clinical Researcher are also included here.
Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
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