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Social Media Training and Consultancy
MiMi Media provides a range of services designed to help you get the most from the social media available on the web, whether you're using it in your personal, everyday life, for a service or event, or as a business owner or employee.
What is social media?
All of the technology available online that allows people to interact, communicate and share things, on a mass scale.
There are hundreds and thousands of social media platforms available, but some of the most popular and widely recognised are the social networking site, Facebook; the professional networking site, LinkedIn; the microblogging service,Twitter and the photo and video sharing platforms, Flickr and YouTube.
For a full description of what social media is and more details on the types listed above (along with a few more), read the MiMi Media blog post "What is Social Media?"
How can MiMi Media help?
- Flexible training on all aspects of social media, from the basics of Facebook to the nitty-gritty of marketing your business through social media.
- Professional and friendly consultancy on social media use and management, from creating a positive personal image on the web to conducting and managing a full blown social media strategy.
- Unique, customised services designed exactly to suit your needs; contact us to discuss your requirements.
See MiMi Media's Services for full details.


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The Bishop's School's annual auction reated a multi-sensory experience on its La Jolla campus that transported guests to the sights, sounds, tastes and colors of Spain on April 28, 2018.
Upon arrival at "Bamboleo," guests were greeted by a picador and treated to sangria from a strolling flamenco table while listening to a melody from a Spanish bagpiper (gaitero).
The silent auction featured live Spanish guitar and passed tapas as attendees moved into the tent on the Quad for the live auction and dinner. A flamenco performance troupe opened and closed the main stage. Spencer Bezy, Hybrid DJ, provided the dancing music and entertainment to cap off the evening in the Club Ibiza after-party.
This annual "party with a purpose" nets approximately $1 million in direct support for Bishop's Student Financial Aid and Faculty Professional Growth Programs.
The live auction was emceed by Mike Hoagland (Class of 2003), and Ben Cooper (2007) was the evening's guest speaker, highlighting the impact Bishop's has had on his life.
The Bishop's School is located at 7607 La Jolla Blvd. in La Jolla. For information about the school, visit bishops.com

subset: commoncrawl


text: What You Should Know About Wood Fencing 6 December 2016 When you are shopping around for fences to put around your property, the first thing you need to decide is what material you want to go with. The fencing material you choose can determine how much you spend, how long the fence will last, and what type of maintenance is required. If you are considering a wood fence, here are some things to think about first. Wood Can Provide More Privacy


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A blog I follow is called Daily Good. You can find it at http://www.dailygood.org. Nearly every morning I start my day reading inspiring stories about good in the world. The posts may be about an individual, a group or an organization. While the stories and people are all amazing, some touch my heart more than others. Today's post was a feature about "giving people a hand up, not a hand out," based in part on The Doe Fund. I encourage you to read this article. Not only does it epitomize the intent of my blog, it is a lovely story of what can grow from one person's efforts.
You can find the article on Twitter @drivingbyzebras or at http://www.dailygood.org.


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by A1F Staff -
Saturday, April 29, 2017
At the NRA Members' Meeting today in Atlanta, NRA-ILA Executive Director Chris W. Cox addressed the crowd, thanking them for their efforts in turning Candidate Trump into President Trump."When we made the earliest presidential endorsement in NRA history, the media said we were 'buying deck chairs on Trump's Titanic,'" Cox said. "There were times when we were the only group in America with the guts to stand and fight for Donald Trump. And when Election Day came, you stormed the voting booths in every corner of the country and, as a result, President Donald Trump joined us here in Atlanta!"Cox recalled last year's Annual Meeting in Lousiville, in which the "corruption, dishonesty and elitism in Washington had truly reached a tipping point." He asked the audience to imagine what this year's meeting would've been like if Trump had lost the presidency. Hillary Clinton and Barack Obama, he said, "would've torn the Second Amendment to shreds in no time."Cox goes on to praise other new leaders in Washington, including Vice President Mike Pence, Attorney General Jeff Sessions, Secretary of the Interior Ryan Zinke and Secretary of Defense General James "Mad Dog" Mattis.Despite the recent political victories, Cox expressed that "Obama's got a legacy that'll live on for generations.""Just look at the 331 federal judges he appointed for life," he said. "Or the thousands of bureaucrats he hired, and the endless rules and regulations they impose on every aspect of our lives. With Washington's bureaucratic machine teaming up to "resist Trump" at every turn, our president's gonna need us to have his back."Turning his attention to national reciprocity, Cox reminds the crowd that 10 states can currently deny Second Amendment freedoms to law-abiding citizens. Unlike driver's licenses, he said, national reciprocity "wouldn't impose federal guidelines, or allow for any federal control at all.""This freedom makes a life-or-death difference in innocent people's lives," he said. "It isn't just illegal for states to deny it, it's downright immoral and it needs to change. For that to happen, it will take the same intensity and moral purpose that we brought to last year's election."Cox applauded Europe for its stance on suppressors, noting that the Europeans understand a person's hearing is "too important to be hidden behind a $200 federal tax, fingerprints and a nine-month paper chase.""As much as we wish it weren't the case, too many people get their firearms facts from The New York Times and MSNBC instead of American Rifleman," he said. "If we don't make it our job to get the truth out, the lies become overwhelming."The NRA-ILA Executive Director ended his speech with a vow: that November was more than a temporary moment."It was a permanent political red line for every would-be holder of power: If you run against the Second Amendment freedom of everyday American citizens, you put your future in direct opposition to the most powerful grassroots force in history," he said.Stay tuned to NRATV for additional coverage from the 2017 NRA Annual Meetings and Exhibits in Atlanta. For a transcript of Cox's full speech, click here.
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Dozens of members of Congress plan to ask the Obama administration to review the planned acquisition of the Chicago Stock Exchange by a Chinese firm, to assess whether it poses a national security risk or a risk to the companies traded on the exchange.
The Chicago Stock Exchange announced this month that it would be sold to a consortium led by the Chongqing Casin Investment Group of China, a move that would inject needed resources into the exchange and give the Chinese firm a foothold in the $22 trillion U.S. equities marketplace. Chinese state media reported that the deal was meant to eventually bring more Chinese firms into the U.S. market and that U.S. technology could be used to open new exchanges in China, a potential win- win for both sides.
But the exchange's CEO, John Kerin, has said that he doesn't know who owns Chongqing Casin and that the Chinese government may be a minority stakeholder, as it is in most large Chinese businesses.
On Wednesday, a group of several dozen U.S. lawmakers plan to formally request that the Obama administration conduct a national security review of the deal through a process known as the Committee on Foreign Investment in the United States, or CFIUS.
"The American market has little information about CCEG, and it shares many of the traditional opaque qualities of a Chinese company," said a letter from 45 Republicans and one Democrat to the members of the CFIUS board, which is led by Treasury Secretary Jack Lew. "While it is unclear the level of influence the state holds over CCEG, the firm is involved in a number of important Chinese sectors that would likely require close ties to the state."
The company was created by the Chinese government in 1997 to absorb state-controlled assets, the lawmakers wrote, and the firm's chairman Shengju Lu still has ties to the government of Chongqing, a city in southwestern China. The letter asks the administration to rigorously investigate the company's ties to the Chinese government.
"Should you determine CCEG maintains a close relationship with the Chinese government — and therefore the Chinese military — we would urge CFIUS to deny this acquisition," the lawmakers wrote.
Rep. Robert Pittenger, R-North Carolina, who initiated the letter, told me in an interview that if the Chinese government had influence over U.S. markets, it could manipulate them to the advantage of Chinese companies or to artificially benefit the Chinese economy.
"It's clearly of a concern they could play upon our own stock exchange," he said. "The financial markets, the stock exchanges, they have a critical impact on our nation's economy."
He also sees risk in giving a Chinese firm access to the exchange, because it could also have access to proprietary information that U.S. companies share with the exchange in order to do business, and he said such access would constitute a "major cybersecurity concern."
Several legal experts who have experience dealing with CFIUS cases told me that the Chinese acquisition of the Chicago Stock Exchange is an obvious choice for a review on national security grounds. Anne Salladin, an attorney who worked on CFIUS cases in the Treasury Department until 2013, told me that any case involving a Chinese acquisition is a likely candidate.
"Chinese companies routinely receive heightened scrutiny. It's also in an area of financial infrastructure that could be viewed as particularly sensitive," she said. "I'd be very surprised if CFIUS didn't have an interest in taking a look at this deal."
Often, parties to a deal that might warrant CFIUS review file papers with the government on their own, pre-emptively. The committee then typically conducts a 30-day review to determine whether an investigation is warranted. That investigation then takes an additional 45 days, after which the committee either approves the deal or recommends the president unwind it.
A Treasury Department spokesperson said the government does not comment on whether a deal is being reviewed in the CFIUS process.
Dozens of deals involving China have undergone CFIUS investigation, and most were approved. The U.S. government approved a Chinese firm's acquisition of Smithfield Foods, the nation's largest pork producer, in 2013 despite congressional objections. That same year, CFIUS approved the Chinese state-owned oil giant CNOOC's $15 billion purchase of Canadian energy behemoth Nexen Inc., which had assets in the U.S. In 2005, IBM was allowed to sell its PC business to Lenovo.
But the committee has rejected several Chinese purchases of U.S. firms when national security risks are front and center. The U.S. government has blocked multiple deals involving Huawei, the Chinese telecom company that has links to the Chinese military, according to the U.S. intelligence community. President Barack Obama also forced the dissolution of the Chinese Sany Group's purchase of a wind farm company in 2012 because the wind farms were located near a Navy training facility in Oregon.
CFIUS has approved foreign acquisitions of U.S. stock exchanges in the past, including the 2007 purchase of the NASDAQ by a group including investors from the United Arab Emirates and the 2011 Deutsche Boerse acquisition of the New York Stock Exchange, although that deal later fell through for other reasons.
There's also the possibility that CFIUS and Chongqing Casin could negotiate a middle ground whereby the Chinese firm agrees to limited access and involvement.
The U.S. has a strategic interest in attracting foreign direct investment, and the political imperative in building economic ties with China is high. The CFIUS process is meant to be apolitical and based solely on national security considerations.
If the U.S. government does look into this case, it will likely find that Chongqing Casin's lack of transparency, combined with the systemic importance of the exchange, make this deal a tough sell.
Josh Rogin is a Bloomberg View columnist writing about national security and foreign affairs.


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Terms & Conditions
ING Unseen Instagram Competition
1 General
1.1 These terms & conditions apply to the Action named 'ING Unseen Instagram Competition'.
1.2 The Action is organised by ING Bank N.V. Bijlmerplein 888, 1102 MG Amsterdam ("ING") and Unseen Photo Fair Herengracht 213 II, 1016 BG Amsterdam ("Unseen").
1.3 The Action runs from Monday the 28th of November through Monday the 12th December 2016 at 9.00AM (CET).
1.4 Through participation in the 'ING Unseen Instagram Competition' participants declare automatically that they have read and agreed to the terms & conditions outlined here.
2 Participation
2.1 The participant enters the 'ING Unseen Instagram Competition' by uploading his/her own photo on Instagram, using the hashtag #INGUnseenFoolforLove. The participant will also provide a short explanation about his/her interpretation of the theme 'Fool for Love'.
2.2 Participants in the 'ING Unseen Instagram Competition' have a chance to win a fully organised and paid trip for two persons to Unseen Photo Fair & Festival 2017, which includes: 1. Return flight within Europe to Amsterdam 2. One night hotel stay in Amsterdam 3. Invitation Award Ceremony including a meet & greet with one of the finalists 4. Official Opening ticket and passe-partout Unseen Photo Fair & Festival 5. Unseen Magazine.
Participants from outside Europe will receive a €1.000 voucher to spend at an online photography store. Participants who live in the Netherlands can choose between the €1.000 voucher and the fully organised and paid trip for two persons to Unseen Photo Fair & Festival 2017.
2.3 ING and Unseen will select the final winner from all participants in the 'ING Unseen Instagram Competition'.
2.4 The prize is non-transferable and not redeemable for cash or other than in 2.2 mentioned alternative products and/or services.
2.5 By participating in the 'ING Unseen Instagram Competition' participants waive/renounce their intellectual property rights, including their portrait rights.
2.6 If a person or persons other than the participant is/are in the photo, the participant shall inform him/her or them when submitting the photo. If the other person or persons have objected to being featured, the participant will send another photo without this person/persons. The participant shall indemnify ING and Unseen against and will not hold ING and Unseen liable for any damages ensuing form any claims made by third parties relating to the person(s) and/or objects depicted on the participating photo.
2.7 By entering the 'ING Unseen Instagram Competition' the participant allows ING and Unseen the permission to use the photographs submitted by the participant (publication and/or duplication) indefinitely, without any compensation in return. In addition, the participant declares that he/she has submitted the photograph itself and that the participant is the copyright owner.
2.8 The content may not be in conflict with the law, good morals or public order. The photo must be in line with the terms & conditions of Instagram. The participant may not use any copyrighted material or trademarks, that are not owned by the participant.
2.9 A participant is allowed to post one photo. When the participant posts multiple photos, he/she will be judged on the first photo.
2.10 If a participant is a resident of a jurisdiction that deems him/ her to be a minor, participant must obtain parental/ legal guardian consent prior to entering the Competition and/or submitting any personally identifiable information.
3 Privacy
3.1. The participant agrees that if his/her photo is selected, it will be published on the Instagram account of ING and Unseen when the winner is announced.
3.2 The participant may derive no rights from the publication of his/her entry.
3.3 The winner will be informed by Unseen through a personal Instagram message. Other participants will not receive a message. The winner must react within 48 hours after receiving such message. If the winner will not respond within this period, ING and Unseen will select a new winner.
3.4 Participants are responsible for providing accurate, current and complete information.
3.5 The winner agrees that ING and Unseen may publish his/her name, date of birth and country. Furthermore, the winner agrees with providing his/ her address details, telephone number and details of his/her fellow traveller to ING and Unseen in order to arrange the prize. This information will not be shared with third parties.
4 Final provisions
4.1 ING and Unseen reserve at all times the right, without prior or further notice: a) To exclude participants from participation in the 'ING Unseen Instagram Competition', if ING and Unseen believe that these abuse the 'ING Unseen Instagram Competition', not act in accordance with the terms & conditions, act fraudulently and/or attempt to influence the Action; b) To terminate the Action prematurely or modify the terms & conditions, to the extent it deems necessary in its sole discretion.
4.2 Dutch law is applicable to all disputes relating to the 'ING Unseen Instagram Competition' and the competent court will be the relevant court in Amsterdam, The Netherlands.
4.3 The outcome may not be discussed with ING and Unseen.
4.4 For questions, please contact firstname.lastname@example.com.
Processing personal data
ING, registered at Bijlmerplein 888, 1102 MG, Amsterdam, and Unseen Photo Fair Herengracht 213 II, 1016 BG Amsterdam, The Netherlands, will include and process the personal data from participants in their administration, in accordance with the Dutch Privacy Act ("Wet bescherming persoonsgegevens"). Participant's data will be used for the purpose or organising the ING Unseen Instagram Competition and communication with the participants and winner. For the purposes of this Competition, participant's personal data will be filed for a period of six months after Unseen Photo Fair & Festival 2017.


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The New Age
Volume 25, Number 4
London: The New Age Press, Ltd., 1919-05-22
Volume 25, Number 4
London: The New Age Press, Ltd., 1919-05-22
The contents of this resource are not copyrighted in the United States. If you live elsewhere, please check the laws of your country before downloading any of these materials. Individuals interested in reproducing this object in a publication, web site or for any commercial purpose must first receive written permission from the Brown University Library.
For further information, please contact:
Modernist Journals Project
Box 1597, Brown University, Providence, RI 02912
- Notes of the Week: 53-56
- Autonomy for the Teaching Profession. (Hyward, F.H., Dr.): 57-58
- A Guildsman's Interpretation of History (Penty, Arthur J.): 58-61
- In School (Coxon, T. R.): 61-63
- The Old Master as Grotesque (Carter, Huntly): 63-64
- London Papers (Kouyoumdjian, Dikran): 64-68
- Music (Atheling, William): 68-69
- Liberty Without Function. (S. G. H.): 69-70
- Mr. Pickthall and Armenia (Kouyoumdjian, Dikran): 70-71
- Letter to the Editor: 70-71
- Song of the Building of Skadar (Rootham, Helen): 71-72


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When it comes to New Year's resolutions, only 8 percent of people actually achieve them and 88 percent of people fail by February. Why is that? Because most people shoot for the moon setting overly ambitious and vague goals – like getting healthy, losing weight or paying off all your debt. The key to setting goals is to think about them in smaller, shorter, incremental goals that will slowly allow you to achieve your bigger goal.
Follow the S.M.A.R.T. technique when setting your New Year's resolutions and you'll be on your way to a brand new you in 2018. It's a very simple framework and one of the best techniques available to creating achievable goals.
Your goal should be as specific as possible. That means it should include what you want to accomplish, what the result would look like, who else would possibly be involved, when you want the goal completed and where you want to accomplish the goal. For example, "I want to earn an extra $500 by December 2018 by selling makeup online."
Define exactly how you will measure progress in reaching your goal. This is easiest when associating a number and a date with your goal. For example, if you plan to lose weight, it might read "I will lose 2 pounds a month for a total of 20 pounds by this time next year." If you don't measure your progress, it will be nearly impossible for you to determine if you've achieved it. Don't want to weigh yourself? Take measurements and work with those numbers.
Is the goal you've decided on for yourself attainable at this point in time in your life? Do you have the resources to achieve this goal? Will you have the energy to focus on your goal? For example, if your goal is to volunteer 5 hours a month on weekends with the homeless shelter, and you have little kids at home, is this goal realistic for you at this point in your life? Attainability is about you and whether you have the energy, focus and time to achieve it.
A realistic goal is one you are able and willing to work toward. For example, walking 5 miles a day may not be realistic for someone who just started adding exercise to their routine. This goal could quickly and easily lead to frustration and cause abandonment. If a goal is too difficult, you won't be able to commit to it in the long term. Your goals shouldn't be easy, but they should be do-able.
Time creates urgency and your goals should be time-based so you have a hard deadline in order to measure your success. For example, "I want to lose 10 pounds by my high school reunion on May 15, 2018."
The Man who moves a mountain begins by carrying small stones" – Confucious. One of the reasons so many people don't achieve their New Year's resolutions is because their goals are too far from their current lifestyle choices and they give up. Making a handful of small, but positive, lasting changes to your life will increase the chances that they stick. Some small goal examples would be to lose one pound a month, to stop drinking soda on weekdays, or to only eat out for dinner twice a week.
If you need a little inspiration, check out the Huffington Post's list of 50 healthy New Year's resolutions.


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Your home away from home
Avi Airport Hotel
Price from: US$ 12Book Room
Located in a nice, peaceful village just 3 km Southwest of Noi Bai International Airport. Avi Airport Hotel is an ideal address for both business people and leisure travellers. Our hotel is equipped with new standard facilities for guests, such as: A/C, TV, Free Wi-Fi internet, hot shower…which surely guarentee you a relaxing and comfortable stay with good value for money. We locate just 5 minutes by taxi from Noibai International airport, Hanoi
Avi Airport Hotel - Cheap hotel near Hanoi Airport
Tel: (+84 24) 388 66 998 - Fax: (+84 24) 388 66 986
Email: email@example.com www.aviairporthotel.com
Address: B22 Cho Phu Cuong, Noibai Airport, Hanoi, Vietnam
Avi Airport Hotel
Why choose us
- Luxurious and convenient design with warmy space
- Personalized services provided by a team of young and friendly staffs
- A smart choice of holidays and short breaks
- Satisfaction Guaranteed
- The nearest Airport Hotel


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Here's the good news about health insurance for young adults: there's affordable insurance out there, and lots of options. The bad news? You may have to do some research to get the best bang for your buck.
This guide will help you understand key health insurance concepts and make informed decisions should you travel abroad, become pregnant or graduate college. It will also help you decide whether, as an adult under 26, you should stay on your parents' plan or take out your own.
Five Myths Young Adults Have About Health Insurance
I don't have to spend money on health insurance if I don't want to
Technically that's true, but let's do a little cost-benefit analysis. Without health insurance, if you're injured or diagnosed with a serious illness, you could face financial catastrophe for years to come. With coverage, you'll have insurance to help pay the cost of your medical services as well as free preventive care.
Plus, you'll pay a stiff penalty if you're uninsured. To avoid fees, you must have what is called Minimum Essential Coverage. Most student health plans offered by colleges and universities qualify (see Myth #2 for more information).
If you don't have Minimum Essential Coverage, your penalty will be calculated one of two ways—either per person or as a percentage of your annual income. You pay whatever amount is greater when you file your federal tax return for the year in which you didn't have coverage.The Per Person Fee Method
For 2017, the fee is $695 per uninsured adult and $347.50 per uninsured child (under age 18). The maximum payment per household is $2,085.The Percentage Fee Method
If you pay using the percentage method, only the part of your household income that's above the yearly tax-filing threshold ($10,350 for individuals; $20,700 for couples filing jointly in 2016, the most recent year available) is counted.
The fee is 2.5 percent of your household income (above the yearly thresholds).
If you DID have coverage for part of the year, the fee is 1/12 the annual amount for each month you (or your tax dependents) don't have coverage.
If you're uncovered for only one or two months, there's no fee at all due to the short gap exemption. Any month in which you have coverage at least one day is considered a month in which you are covered.
The Marketplace may offer a decent health insurance plan for about what you would pay in penalties for not having insurance, so it's worth researching what you can get.
The Marketplace is an online resource that allows people to research their health insurance options, compare plans, and enroll in coverage. The Marketplace also provides information on programs that help make insurance affordable and calculates the tax credits available to you based on your estimated income to help you determine your actual out-of-pocket costs for health care coverage. In some states, the Marketplace is run by the state. In others, it's run by the federal government.
Everyone is required to have insurance, with a few exceptions. Exemptions may be available to you based on income, hardship, some life events, existing health coverage, financial status or membership in some groups. Most notably, if you have Minimum Essential Coverage, you don't have to pay the tax penalty.How to determine if you have Minimum Essential Coverage:
You have Minimum Essential Coverage if you are covered by . . .
Your parent's plan
A plan bought through the Marketplace
An individual plan bought outside the Marketplace that meets the standards for a qualified health plan
Any grandfathered individual insurance plan you've had since March 23, 2010 or earlier
Any job-based plan, including a retiree plan or COBRA coverage
Medicare Part A or Part C
Medicaid (Make sure you don't have a limited coverage plan, which doesn't apply.)
The Children's Health Insurance Program (CHIP)
Most student health plans (Check with your school to ensure that the plan qualifies.)
Peace Corps volunteer plan
Veteran's health coverage through the Department of Veterans Affairs (Check to make sure your Veteran's health coverage qualifies.)
Most TRICARE plans (Check to make sure your TRICARE plan qualifies.)
The Department of Defense Nonappropriated Fund Health Benefits Program
Refugee Medical Assistance
A state high-risk pool for plan or policy years that started on or before December 31, 2014 (Check with your high-risk pool plan to see if it qualifies.)
An insurance policy at my college or university will be enough
Not necessarily. Obtaining coverage at your school can be an easy and affordable way to get basic insurance coverage. It's likely your college or university offers a student health insurance policy (SHIP) and may even require that you participate if you don't have other adequate coverage. But beware of the potential limitations of SHIPs:
While the plan may cover you for health care services provided on campus—at the Student Health Center, for example—it may not pay for all of the services you need. For example, it's not uncommon for a school plan to cover a visit with a physician, but not x-rays.
If you're an athlete and play on your college team, your college plan may not cover you at all.
Even if the plan covers you while you're on campus, what happens when you're home during breaks or the summer? Your plan may not cover services by providers who are off campus, in other states or are otherwise out of the network.
Check with your school's Health Center to get details on what the student policy does and does not cover. It may be that your school offers services from the on-campus Health Center that don't require insurance at all (just a fee), but other services do require insurance. Be sure your choice accommodates all your medical needs.
I'm getting married so I can't stay on my parent's insurance plan
Good news. Once you're on your parent's plan, in most cases you can stay on it until you turn 26—even if you get married.
In fact, you can join a parent's plan and stay on it until you turn 26 even if you:
Get married
Have or adopt a child
Start or leave school
Live in or out of your parent's home
Aren't claimed as a tax dependent by your parents
Turn down an offer of job-based coverage
"Yes, you can be married and still be on your parent's plan until you turn 26,"
says Hector De La Torre, executive director of the nonprofit Transamerica Center for Health Studies.
"You don't even have to be living in the same state or financially dependent upon your parents. The only thing that matters is age."
Even if I did want health insurance, I wouldn't be able to pay for it
Not necessarily. Between tax credits and the expansion of Medicaid in many states, you may be able to find great insurance at a reasonable price.
When you apply for coverage in the Marketplace, you'll see if you qualify for a "premium tax credit" which can lower your premium (the amount you pay each month for your health insurance).
Premium tax credits are based on your state of residence, estimated household income, household size and the level (platinum, gold, silver, bronze) of health insurance plan you choose.
If you're eligible for a premium tax credit, you don't have to wait to file your taxes to get it. You can apply the credit to your monthly premium. The Marketplace will send your tax credit directly to your insurance company to cover part of the premium, so you will actually pay less each month. For more, see "Quick Tip: Advanced Premium Tax Credits Explained," below.
If I get sick, I'll just go to the emergency room
Sure, the emergency room is a safety net, as hospitals are prohibited from denying emergency care to patients—even if they are uninsured. And unfortunately many uninsured individuals use the hospital's emergency room as their only medical care.
But it costs dramatically more to obtain treatment in the emergency room than at a physician's office. And in many cases, the treatment is much more extensive. For example, if you come down with a cold or the flu and you have insurance, you can get treatment from your physician early on. But if you are uninsured and lack access to a physician, you might delay treatment until your illness is more severe—perhaps that cold has turned into pneumonia. By that time, the cost of treatment is substantially higher.
More importantly, by only seeking treatment when it's become serious enough for the emergency room, you would be denying yourself the benefits of preventive care. Failure to obtain preventive care can pave the road to serious illnesses such as heart disease, diabetes and cancer.
What Does the Affordable Care Act Mean for Me?
President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010. But what exactly is the ACA, and what does it mean to you?
Here are some of the key features of the ACA that impact young people:
If your parent's insurance plan offers dependent coverage (some don't), you can now stay on your parent's plan until you turn 26 no matter what state you live in. That applies even if you're in school, employed or married. Former foster youth can stay on Medicaid until they are 26 regardless of their income.
You can no longer be denied coverage or charged more for a pre-existing condition.
Most student health plans are now required to be up to the standard of other private plans.
Health plans are required to provide free preventive care, such as check-ups, vaccines, cancer and blood pressure screenings. Women are entitled to free well woman visits, including pap smears, mammograms and breastfeeding support—all without a copay.
Free prescription contraceptives are available on most plans.
States that have opted to expand Medicaid will cover all low-income individuals.
Discounts in the form of tax credits are available to low- and middle-income adults to help make plans more affordable. According to Health and Human Services, about 85 percent Of Marketplace shoppers were eligible for tax credits in 2016.
There's a penalty for not having health insurance. You may have to pay a fine when you file your tax return.
What about Medicaid?
Most states have expanded their Medicaid programs under the ACA and now cover people with household incomes under 138 percent of the federal poverty level. States that have not expanded Medicaid under the ACA may have higher income eligibility limits and may use a variety of other factors (including household size, disability, and family status) to determine eligibility. This has created what's referred to as the Medicaid Gap. Whether or not you qualify for Medicaid coverage depends on your state's rules. To determine if you qualify for Medicaid, check your state's website or Healthcare.gov.
Should I Stay on My Parent's Plan ?
If your parent has an insurance plan that allows for dependent coverage, then the Affordable Care Act allows you to stay on that plan until you are 26. Many experts say that this is one of the best ways to maintain insurance coverage at a reasonable rate. But, of course, there are pros and cons to staying on your parent's policy.
You can stay on your parent's plan even if you get married, have a child, start or leave school, move out of your parent's home or are working and turn down job-based coverage.
Adding a dependent to a plan is usually inexpensive.
If your parent's plan is a group plan through an employer, it's likely to provide comprehensive coverage.
Your parent's employer may subsidize part of the insurance premium for dependents.
If you go to college away from home or otherwise don't live with your folks, the health care provider you want to use may not be on your plan.
While it's usually affordable to stay on your parent's plan, it's possible that more affordable options might be available elsewhere—particularly if you are in school or opt for a plan in the Marketplace and have tax credits available.
If your parents have limited income, it might be a burden for them to pay for your coverage on their plan.
While your parent's plan will cover you until you turn 26, if you are married it will not cover your spouse or children.
If your income is 100-400% of the poverty level, you might qualify for a premium tax credit. Premium Tax Credits are meant to help people with low to moderate incomes purchase insurance in the Marketplace.
When you apply for coverage from the Marketplace, you'll estimate your household income for the year. If you're eligible for a tax credit, you don't have to wait until you file your tax return to take it. You can "advance" that tax credit and apply it to your monthly insurance premium.
If at the end of the year you find that you have underestimated your income, you'll have to pay back the excess when you file your return. If you have less income than you estimated, you'll get the difference back.
Should I Enroll in my School Health Insurance Plan (SHIP)?
If your school offers a student health plan, it can be an affordable way to get health insurance. Some schools require all students to enroll in their student health plan. But even if you aren't required to join, it's worth investigating. Most student health plans qualify as Minimum Essential Coverage under the Affordable Care Act.
Four-year colleges are more likely to offer their own student health plans than community colleges, according to Hector De La Torre, executive director of the nonprofit Transamerica Center for Health Studies. "Most of them provide medical services right on campus or have a medical school or are affiliated with a medical school, so in some way the coverage is right there," he says. "That doesn't help you if you go home for the summer or for breaks, but obviously it's very convenient if you are in school."
Check with your college or university to see what type of plan it offers, if any, and whether you are required to enroll. But be careful. Often student health plans provide limited coverage for care received on or near the campus. That means when you go home, you won't have a provider who's in-network.
De La Torre faced this problem with his own daughter. She attends Bryn Mawr College in Pennsylvania, where she enrolled in the student health plan. "But I live in California, so she's out of network when she is back here," he says. "So she has a SHIP for when she's in school, and she is also on my insurance for when she's at home."
The network for a health insurance plan is the group of providers or health care facilities that are on the plan's list of approved providers. These providers have negotiated discounted prices with the insurance company.
Student Insurance and International Travel
No one—no matter what age—should travel overseas without making sure they are covered by health insurance. Even if you have adequate coverage in the United States, your policy may not cover you if you travel out of the country. That includes taking a cruise.
Getting ill or injured while abroad is no fun, and having to pay for it out of pocket makes it even worse. In the event of serious illness or injury, you may even have to pay for medical evacuation back to the United States.
Travel insurance is available at relatively reasonable rates, depending on where you are traveling and for how long. And trip insurance typically covers the cost of evacuation.
What if I'm a U.S. Student Going Abroad?
If you are planning to travel abroad—whether for summer vacation or a semester of study—check with your school to see if you'll be covered. Even if you are covered out of the country, you might have to pay for your medical expenses out of pocket and then seek reimbursement when you return.
If your school health insurance plan doesn't cover you abroad, then purchase separate coverage. Some companies selling plans online include Travel Insurance Services, AIG, StudentSecure Insurance and InsureMyTrip. Evaluate each plan to ensure you have the necessary coverage.
the claims process
the out-of-pocket costs on the plan
the deductible.
What Can I Expect as an International Student in the U.S.?
Foreign students attending college in the US do not face the same insurance requirements as American citizens. If you are studying in the US on an F, M or Q visa, you're not required to purchase health insurance under the Affordable Care Act unless you have been in the US for over five years, at which time you will have to go through eligibility screening. If you're in the US on a J visa (for example as a teacher, trainee or intern), you are exempt for your first two years in the country.
However, your school may have their own health insurance requirements for foreign students. Some colleges will require you to have their insurance; others may allow you to waive out of the school health insurance plan if you can prove that you have adequate coverage elsewhere.
Even if insurance isn't required, you should consider purchasing health insurance while in the US through your school or through a private insurance company. Injuries and illnesses do happen, and health care is expensive. People with student visas are also eligible to use the Marketplace, though they may not qualify for tax credits.
What if I'm here for CPT or OPT?
Curricular practical training (CPT) is temporary employment that is an integral part of a school curriculum, such as a required internship, for F-1 visa holders. Optional practical training (OPT) allows students with F-1 visas who have completed or have been pursuing their degrees for more than nine months to work for one year to get practical training to complement their education.
Many universities will require that you have student health insurance during your CPT if you don't already have it. For OPT health insurance is not required, but some allow you to purchase their SHIP. Be sure to check with your school about its specific requirements and options.
What Are My Options if I'm Graduating this Year?
If you are graduating from college this year and don't live abroad, you have several options for coverage:
Go to the Market
If your student health insurance coverage will be ending, you can sign up for private health insurance in the Marketplace if you qualify for a Special Enrollment Period. A Special Enrollment Period is for people experiencing a life change—marriage, divorce, having a baby or, most important for graduating students, losing your health coverage.
Mom & Dad
Your parents can add you to their plan until you turn 26—even if you are married, don't live at home or are not claimed as a dependent on their taxes.
Work for It
If you graduate and begin working, you might be eligible for coverage under your employer's group plan.
Catastrophic plans are an affordable way to protect yourself against high medical expenses from a severe illness or accident. These plans have very low monthly premiums, but very high deductibles. For 2017, the annual deductible is $7,150. If you're under 30, you can buy a catastrophic health plan. This is true whether you're a college graduate or not.
If you meet certain income requirements, you may qualify for free or low-cost coverage through Medicaid or CHIP. You can sign up for Medicaid or the Children's Health Insurance Program (CHIP) any time during the year.
What are My Options if I Become Pregnant?
All qualified plans, including those sold in the Marketplace, cover pregnancy and childbirth because maternity care and childbirth are considered essential health benefits. Even if you are already pregnant when coverage begins, you're covered because pregnancy is considered a pre-existing condition.
Having a baby entitles you to a Special Enrollment Period, which means that you can enroll in coverage on the Marketplace even if it's not an Open Enrollment Period.
You might find that you now qualify for Medicaid if you are pregnant–even if you applied before and were denied. Check with your state agency for more information.
Mental Health Coverage and Student Insurance
Mental health coverage is an essential part of any student health insurance plan—with good reason. According to the National Alliance on Mental Illness, 1 in 5 students has a diagnosable mental health illness. Many more college students report struggling with stress and anxiety.
All Marketplace plans cover mental health and substance abuse services. These services include:
Behavioral Health Treatment (psychotherapy, counseling)
Mental and Behavioral Health Inpatient Services
Substance Use Disorder Treatment
Marketplace plans are prohibited from putting yearly or lifetime dollar limits on mental health and substance use disorder treatment and from discriminating against individuals with pre-existing mental and behavioral health issues.
I want to obtain mental or behavioral health coverage. What's next?
Review the financial aspects of each plan, such as premium, deductible, copayments and out-of-pocket limits.
Look at treatment coverage to see if there is a limit on the number of days or visits covered, as well as whether you need to obtain pre-authorization before obtaining care.
Check out campus treatment options. Mental and behavioral care services might be available at no cost on your campus, particularly if you are part of the school health insurance plan.
Ask for the discount. Even if you are seeking services from a professional who doesn't take your insurance, ask whether he or she will offer a student discount. Many providers do.
Erin Hemlin, the National Training Director for Young Invincibles, talks to MoneyGeek about her work with underserved students.
Tell us about Young Invincibles. What population does the organization serve?
Young Invincibles was founded back in 2009. As the fight about healthcare reform was happening in Congress, our founders were students at the time and wanted to bring a young adult voice to the table. They felt that nobody was really bringing up the concerns of young people even though the law very much affects that population.
When I say "young people," I'm talking about 18 to 34 year olds, who tend to come off their parent's health insurance. But within that population, we're really working to serve the most vulnerable, underserved groups—those who are most disconnected and tend to have bigger awareness gaps of what's happening with the healthcare law or health insurance in general. So a lot of those are in the Medicaid population.
You mentioned awareness gaps. Do you think there is a lack of awareness about health insurance among young people?
Definitely. Lack of awareness has really been the biggest obstacle over the past couple years of doing this work. I think we've made tremendous strides. But throughout the last couple of years, the awareness gap has always been bigger among young people. And within young people there is a bigger awareness gap with young people of color, particularly Latino communities and African-American communities.
Do you think there's an awareness gap because young people tend to think of themselves as invincible and don't pay attention to their health? Because they think, "I'm young and I'm healthy"?
Yes. We named ourselves Young Invincibles because it's a health insurance term referring to young people who think they don't need health insurance. What we found doing work talking to people on the ground, though, is that it's really just not true. People really do value health insurance, and they want it. Previously, they just didn't really have enough options or access to health insurance.
We found that the biggest concern with young people is whether they could afford it—especially young professionals or those just starting their careers at entry-level jobs or still going to school and working part-time because they have lower income and cost is a huge factor. We now see a lot of young people get really excited about the fact that they can afford health insurance due to tax credits that lower monthly premiums.
Why is it important for college students to have health insurance?
Accidents can happen to anyone. Young people tend to end up in the emergency room more so than any other group outside of the elderly—and with one accident or one illness, you can rack up huge medical debt. So it's really important to get covered for your own health and also for your own financial security so you don't get burdened with hundreds to thousands of dollars in medical bills that you weren't prepared for.
What action steps should students take to find a fair insurance plan?
They need to compare what's available to them. It all depends on each person's different situation. For a lot of people, it will be cheaper to stay on their parent's plan if that's an option, but for some lower income families, that might be too much of a burden on the parents, and it might be better for the family as a whole for the student to get his or her own plan either through the university or the Marketplace. And, depending on their income, it's probably going to be cheaper to get a plan through the Marketplace if they're eligible for tax credits. But, again, that varies from student to student.
For those staying on their parent's plan but going away to college, they need to make sure their provider at school is on the plan, right?
That's definitely very important, especially if they are going to school in a different state. They need to make sure the plan covers where they're going to school and that they have access to providers that are in-network there.
Because money is often an issue for students, is it okay for them to just choose the cheapest plan?
The marketplace has bronze, silver, gold and platinum plans. The bronze plans tend to be cheaper, but you'll pay more out of pocket, while the platinum plans are very expensive but will cover almost all of your out-of-pocket costs. So for those who are a little more cost-averse, it might make more sense to get a bronze or silver plan, where you're paying lower monthly payments, if you're not expecting to go to the doctor that often. We've seen many young adults choose silver plans so that they get both a good price but also some good out-of-pocket coverage in case they do get sick or get in an accident.
What is it that young people don't know about insurance that you wish they did?
I think the biggest thing people don't know is that there is really good financial help available to make their plans cheaper. Even if people are aware that there is some sort of a tax credit through the Marketplace, they don't realize that it's meant for a range of incomes, not just very low income but low- to middle-income individuals. So one thing we always try to get across to people when they're thinking about buying coverage on the Marketplace is the fact that a single person making up to $46,000 (since this interview took place, it has risen to $47,080) could be eligible for some tax credits. That's a pretty wide range.


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Secure Shopping
We Make Sure Your Data is Safe
Shopping at CalChrome.com is conducted via secure server connections. This includes the transfer and receipt of your personal information. Our physical location is protected against loss, theft or misuse of information via appropriate security measures as well. In addition, when a secure transmission needs to be made and sensitive information is being transmitted, CalCchrome.com uses SSL Encryption to ensure your credit card information is secure.
Shopping online is a convenient, quick, and easy way to get the products you want. We know that you're concerned about security, and we want to assure you that shopping online is safe. The best way to confirm the safety of your online shopping experience is to make sure the website has an SSL Encryption which ensures secure credit card transactions. At CalChrome.com, we take our responsibilities and obligations to protect the personal information of each and every customer very seriously.


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Theo Fennell Hermitage opening ring in yellow, rose and white gold with a 64.53ct cabochon aquamarine, rubies and diamonds.
We use our own and third party cookies to improve your experience and our services. If you continue, we consider that you accept their use. You can get more information on your website at cookies policy.


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Love Letters
Love letter is the sweetest form of expressing one's love. According to a recent survey, majority people think that the most cherished gift from their beloved would be a handwritten love letter. Giving your beloved love letters for Valentine's Day would be something that he/she would cherish for the rest of his/her life. Love letters never grow old and stay eternally as a sign of your love. At any point of life, you can relive those early days of love through the love letters. Besides, you can feel the impulses and shyness you had felt during the love-making. Try giving a handwritten love letter to your beloved and see his/her face glow up.
Love letters help you put your feelings and emotions in words and make you speak out more candidly than you otherwise can. These letters make the receiver feel special and important. An occasional flattery and praise is required to keep the relation going. The love letters freshen and renew the relation and also make the bond strong. In the following section, we have covered each and every aspect which deals with the love letters. Choose from our romantic love letter ideas and get tips to write a beautiful love letter for your beloved.
Writing effective and heart touching Valentine's Day Love Letters is quite an art in itself. To perfect this art one needs a will to express and lots of love for the recipient of the letter. An added touch of imagination and creativity makes the letter a masterpiece. In case you are new in the field here are some tips to help you write a perfect Valentine's Day Love Letter:
Tips for Writing a Perfect Valentine's Day Love Letter
- Get a beautiful and romantic letter pad with good paper quality.
- Write the letter when you are in a good mood.
- Clear your mind of any distractions and focus on your beloved. You may keep his/her photograph in front of you to set the mood.
- Play your favorite music if it inspires you.
- On a rough sheet of paper jot down the unique qualities in your beloved and your plans for the future with him/her.
- It is good to plan the letter in advance and right in rough first.
- Always hand write the letter to give it a more personal touch.
- Write with a fountain pen instead of ball pen, as it appears more elegant. Your beloved may preserve this letter for years so make sure it looks as beautiful years after.
- Pay special attention to the opening and closing of the letter to leave a greater impact.
- Personalize the love letter depending on the stage of relationship you are at present.
- Write from your heart in simple sentences and in an easy to understand language.
- Avoid underlining the words and do not use all caps as it looks like you are yelling.
- In the body of the love letter you may write the special qualities of your beloved. Ideally emotional, physical and spiritual qualities in a person should be highlighted to make the recipient feel loved.
- In the following paragraphs you may share your hopes and dreams for the future along with your partner.
- Be truthful in your letter and avoid making promises you will not be able to keep and cause a feeling of distrust in your beloved.
- One page is an ideal length for a love letter. You may write more if you are comfortable with your partner but don't make it too long.
- Avoid mentioning anyone else in your love letter. Just talk about your beloved and yourself.
- Give a high-impact closing to your love letter in a way that it sums up your feelings in a beautiful way. For instance, "I will love you always," "Loving you forever," "My heart is yours," are considered to be a romantic closing for a letter.
- Always sign the love letter.
- Go through the letter one or two times to check if you have conveyed your feelings effectively.
- Use thesaurus to choose perfect words for your feelings.
- Check for spelling and grammatical errors as this kind of errors convey carelessness.
- To add more style, you may stick a small photograph of yours to the top of the love letter. This will make your beloved view the photograph and reflect on you with fondness as he/she admires the content of the letter.
- Spray a fragrant perfume on the letter.
- Select a special stamp from the post office.
- Drop the letter in the mailbox and wait for the response.


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KARMA necklace
Simple KARMA necklace made from 9 ct gold.
The pendant measures 3 cm and is attached to the chain with two oversized links.
We make these with either 17''/ 43 cm or 22''/ 55 cm.
What does it mean that the gold is recycled?
We use recycled gold as much as we can. Our golden production is very small and we either recycle old jewellery or buy recycled gold from various suppliers.
Can these be made in Fairtrade Gold?
These necklaces are partially made from Fairtrade Gold and we would like to make them fully traceable by the end of 2019.


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Very smart question strategy – you praise a post near and dear to the Korean's heart (i.e. the reality of Fan Death) and then ask a current events topic. I think my favorite thing about health care in Korea is that, even without insurance, it is still very cheap. However, legislators and their staffs would have had special privileges allowing them to get insurance at the low rate for healthy people even if they were to have pre-existing conditions.
This ongoing leadership development initiative launched in 2014 as a way to equip local public health officers with knowledge and skills to lead in today's changing health care environment. Also, it will give you a hearty dose of Omega-3 fatty acids, which are another must-have for health.
Tap more again and tap Start counting steps.Perform clear cache and force stop S Health app from device Settings – Application manager. While there are many health benefits of doing a detox cleanse, I am going to focus on 5 of the major ones. Main changes from v1.0: no more 24/24 intermittent fasting, no more huge protein-heavy meals.
I heard that there are 3 ways to cover health bills is through private insurance(U.S), the other is from tax(U.K.), the third one is from social insurance(Germany). Of course the rich Korean could pay big money to hospital for excellent services such as luxurious rooms, meals and special care.
To increase insurance participation, let individuals deduct insurance premiums up to $3,600 per head of household, and $2,000 per dependent on their federal taxes. The motives for health tourism are different for patients in different countries. If you are experiencing issue with the S health application, please contact us at 1-855-795-0509 for the help regarding your issue with the S-Health app.


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PJSI Buys Grand Champion Pig @ St Lucie FairMarch 09, 2011
Paul Jacquin & Sons, Inc. purchased the Grand Champion Pig from the St Lucie County fair for the third year in a row. PJSI believes in giving back to the community and what better way than to support the children in our county who are striving for achievement through programs such as 4H. The money spent on these pigs will help our future generations pay for their college education and in the meantime the lessons they learn through the process will stick with them for a lifetime.


text: This year again Bal Vihar led an inter-faith project putting together a large CANstruction. This year's CANstruction was twice as big with a 3-D depiction of harmony and peace. You can read more about this initiative at the link below. Make sure to catch a glimpse in person at the Science Center. The display is put together in an open area near the Planetarium.


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This is for all of you that sit at a desk at work. Let me guess, you get (or are very likely to get, sorry) at least one of the following;
- Neck pain
- Back pain
- Shoulder stiffness
- Pins & Needles in your arms/ hands
- Sciatica/ leg pain
…among others.
So I am sure a lot of you go to the gym a few times a week, if not every week day – right? Well even if you are keen enough and motivated to go every day, it might not be enough to combat the 'harm' you're doing to your body at work! Let me explain…
Lets say you work out for an hour, shower, eat and then head to work. You've passed the sixty minute threshold and your body has absorbed most of the nutrients from your meal, so it starts to regenerate and heal. If you are sitting with rounded shoulders, arched and slumped back, and collapsed hips, your body is actually healing the micro-tears in your worked muscles into this poor position! Therefore, you are healing in a shortened muscular state with this poor static posture and almost un-doing the good you've just done in the gym. The same goes for if you are at your desk all day, work out after work, go home and sit on the sofa all evening!
Did you know that some studies have found that sedentary workers who exercised were at just as high a risk of health issues as those who didn't exercise regularly? Pretty shocking really – so do something about it!
To help, I've created a simple checklist for you to use at work – its attached at the bottom of this blog post.
For the desk worker, what's more important than intermittent exercise (which I do still recommend you doing, by the way!) is regular movement. Here are some simple tips to help you integrate regular movement into your work day and prevent your gym sessions going to waste:
Stand for a few minutes every 30-60 minutes
This is easy, so no excuses. It's also proven to increase your productivity, so give it a go.
Stretch and move while sitting down
Because why not? This will help improve blood flow, which has it's own load of benefits including feeling more awake, alert and positive.
Regular walks throughout the day
Be it up and down the stairs, to the photocopier or coffee machine.. just fit it in. Again, this ties in with increasing productivity, breaking up your day, allowing your eyes some time away from the screen, which all helps keep your focus when you get back to your desk.
Desk posture
This is simple and easy to work on, considering you're sat there all day! Remember, your neck, shoulders and arms are crucial parts of creating good posture habits. See my previous blog – 'Simple Tips for Sitting Smart'.
In addition to these tips, check out the Desk-Excise checklist below!
DOWNLOAD YOUR FREE Desk-ercise Checkist
These are all very easy to do, so get moving a little more and let your hard work in the gym and outside pay off!
Thank you for reading. Keep it simple!


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The General Gau's chicken was among the better General Gau's we've tried. The garlic chicken was tender and flavorful- lots of chicken :), The peking ravioli were tasty but a little doughy for me. My honey loved them! The house special fried rice was very good but it was vegetarian. I had been looking forward to the usual fried rice with egg, chicken, pork, shrimp, beef etc. It was tasty anyway but not quite what I wanted.
Really fresh food and super friendly service. Glad these guys opened up. High end without the high end costs
471 Summer St
Arlington MA, 02474
(781) 648-8866


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It's been a few weeks since I posted art but I've been busy behind the scenes! So many new projects, new work and lots of fun in a year long workshop I signed up for, Life Book 2017 (pretty late, I know!). I'm loving it! I'm not at all used to this sort of workshop with all of the positive art talk. Most of my teachers have been the critical sort, LOL. And don't get me wrong, I totally appreciated that approach since it made it easier for me to see my mistakes and learn from them. But I have to say, all of the love stuff is totally cool too. I can get into it!
Above is a whimsical girl, way outside of my style norm! But it was a lot of fun creating something in this cute style. And I love to say YES to things so we match. This lesson was by Tamara Laporte and it was lots of fun. Some interesting techniques and I'm happy with the result.
Below are my lessons with Effy Wild (branches up, roots down) and Leliani Joy (different art styles). I loved both of these lessons so much and am happy with how they turned out.


text: Serving 2,000 residents in 11 (soon to be 12, with the development of Stevenson Oaks in Fort Worth) senior living communities, MRC can be found in College Station, Bryan, Huntsville, Lufkin, Texarkana, La Porte and League City. Each community is vital, distinct and attractive in its own way. What they share is (1) our commitment to serve adults in a faith-based environment, (2) staff committed to daily demonstrating the principles of ICARE and (3) an abiding, deep-down love of Texas. Consequently, when it comes to retirement communities in Texas, we believe we offer some of the best.


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We maintain a large, full-service real estate practice with year's of experience in commercial real estate leasing and property management. The attorneys in our leasing group devote the majority of their time to commercial leasing matters in office, retail and industrial transactions. We bring value to our clients beyond legal knowledge and our highly qualified and experienced attorneys have extensive experience in the business of real estate. We leverage our familiarity with the leasing market to help our clients in achieving their business goals and objectives.
Our commercial leasing team provides legal representation of institutional and entrepreneurial owners, including Rests, multi-national pension funds, insurance companies, developers and mortgagees. Our mission is to resolve issues efficiently while keeping our client's business goals and objectives in mind. We focus on clarity and brevity in all of our documentation, as well as a fast response time on all drafting assignments.


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CHRISTIE, Miss
Miss Christie, was a daughter of Frank Alexander Christie (1834-1907) and his wife Catherine Henrietta née Matthers (1833-1909), who married at Ipswich in 1864. In 1891, the family were living at 6 Lower Brook Street, Ipswich, Frank a 59 year old coal factor with his 60 year old wife Catherine and their six children, two sons and four daughters, all born at Ipswich, but by 1901 all four daughters had departed from the family home. A Miss Christie was a member of the Ipswich Art Club from 6 Lower Brook Street in 1890 but does not seem to have exhibited. This painter could be any of the four daughters:-
Kate Constance born 1865
Amy Margaret born 1870
Mary Emma born 1871
Lillian May born 1876
Works by This Artist
Manningtree from the Estuary


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The Structural Engineer
Volume 27 (1949)
Issue 1
The Single Storey Factory and the Rigid Frame
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The Single Storey Factory and the Rigid Frame
THE title of this paper, whilst being reasonably brief, suffers from the defect that it does not adequately describe the paper. The original request which was made by the Literature Committee was for a paper on a comparison between ordinary factory construction and modern portal frame construction. In an attempt to compress this into the title something may have been lost, so that it is necessary to explain at once that this paper deals with various forms of construction by means of comparisons with the object of criticising and discussing the advantages of the modern portal frame. In order to effect these comparisons it seemed appropriate to consider the relative merits of the forms of construction applied to a particular factory. Such a comparison might lay itself open to the criticism that the comparison applied to a particular case rather than to the general problem, but it will be seen subsequently that the particular case chosen is quite general in its form and possesses few characteristics peculiar to itself. F.R. Bullen
Author(s): Bullen, F R
Keywords: comparing;portal frames;industrial buildings;long span;low rise;columns;roof trusses;design
The Institution of Structural Engineers, 47-58 Bastwick Street, London, EC1V 3PS, United Kingdom
Tel: +44 (0)20 7235 4535
Fax: +44 (0)20 7235 4294
© Copyright The Institution of Structural Engineers


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Swing voters are key in 8th District battle
Doug Conner hates this the most – starting over again. At 52, he finds himself unemployed, back in school, his health insurance running out and the future uncertain.
"I feel like the trickle-down theory has not worked," says Conner, a lifelong Republican of Kannapolis whose June layoff from Freightliner followed a previous job loss six years ago. "If it's trickling down, it's not trickling down far enough. It's stopping somewhere along the way."
Conner's frustration will be reflected on his election ballot. One of the candidates who will feel his pain is U.S. Rep. Robin Hayes, a Concord Republican who has represented the 8th Congressional District for the past decade and is in a political dogfight with Democrat Larry Kissell, a school teacher who nearly ousted Hayes two years ago.
"I think Hayes has played out," says Conner, who voted for Hayes in the past but won't this time. "If he's done anything, he's done all he could. It's time for a new agenda. I don't think he can produce any more for the working guy in North Carolina."
Folks like Conner, who split their ticket in the past, will make the difference in this hotly contested rematch, one of the most-watched races in the nation because of its 330-vote margin of victory in 2006. Polls and pundits suggest it will be close again this year.
National Democrats view the seat as one of the most hopeful pickups to expand their majority in Congress. They've set aside more than $2million to keep Kissell financially competitive.
Hayes needs to not only keep Republicans, but win the support of Democrats and independents. Registrations offer a glimpse at Hayes' predicament: 190,000 of his constituents are registered Democrats, 118,000 Republicans and 81,000 unaffiliated.
Kissell, a former textile worker from Biscoe, has tried to make this campaign about the working class – and its need for education, health care and jobs in particular. He blames Hayes' trade votes for sending jobs overseas.
"There's almost 62,000 people drawing unemployment right now," Kissell said while greeting voters outside a Charlotte library. "Unemployment has gone up from 3.1 percent to 7.1 percent since he's been in Washington."
Hayes points to statistics that show overall job growth in his district since he went to Congress.
Both men are right: The district, which covers parts of Mecklenburg, Union and Cabarrus counties and stretches east, has added jobs but also added people – and a greater percentage are unemployed. Doug Conner says the new jobs don't pay as well: "All of them are service jobs," he said.
Hayes can tick off employers – in defense and auto safety, as examples – that he says he's helped woo to the district.
"But I don't go around talking about a net gain in jobs because we do have a very tough economy and we do have people not working, and that's extremely troubling to me," he says.
Unlike lawmakers who shy away from "earmarks," Hayes embraces bringing federal dollars home. He ranked second among N.C. members of the U.S. House at getting so-called "pork-barrel" projects, sponsoring about $44 million in 2008 spending bills.
At a church in Oakboro last week, where he was handing out a $1 million agriculture grant, Hayes explained to a small but appreciative crowd that the tax money was always "yours" but funneled back to them where they needed it.
To Gail Vowell, who moved to Harrisburg from Hurricane Katrina-ravaged Mississippi, Hayes embraces her values, truer than ever when he opposed the recent $700 billion bailout for Wall Street.
"When Robin Hayes voted against that last package, I was so proud of him that day," Vowell said at a GOP rally in Harrisburg. "I don't believe government ought to be involved in bailing out mistakes. I saw it after Katrina when people wanted government involved in their lives."
Vowell said she'd never vote for Kissell after hearing he didn't pay Social Security and unemployment taxes for about a dozen campaign workers, one of Hayes' biggest attacks of Kissell. Kissell says his 2006 campaign used contract workers, and that he's paying all required taxes for his full-time employees in this campaign.
One of the reasons independent trucker David Lee of Mount Pleasant will cast his ballot for Hayes is because of gas prices and his support for drilling.
"We can't survive without oil regardless of what other energy we need," says Lee. "We need nuclear power and things like that, and nobody is going to do that except Republicans."
Charlotte teacher Artie Denman differs on who will look out for education and his other interests.
"Overall, the Democrats care more about the middle class," says Denman, who chatted with Kissell at the Charlotte library Thursday.
Sitting on his porch on a tree-lined street in downtown Concord, James Ford is a registered Democrat with an independent streak. Three yard signs are posted in front of his century-old home, for Republicans John McCain for president and Pat McCrory for governor, and for Democrat Kissell for Congress.
"Robin's a hard worker, but he's been there long enough," says Ford, a boiler contractor and nonprofit volunteer. "I've had no luck getting a call back from him. Larry Kissell I called one time. Before the day was over, he was calling personally."
Hayes is part of the well-known Cannon family, known for founding the former Cannon Mills textile plant and supporting the community philanthropically.
When Gail Plott, known to friends as "Curly," is asked why he intends to vote for Hayes, he says simply, "I spent about all my life in Cannon Mills."
Outside Punchys Diner, down the road from Lowe's Motor Speedway and a Philip Morris plant, Plott says he thinks the government might have been able to prevent the textile mill from shutting down in 2003, but he doesn't blame Hayes for his job loss or for the other manufacturing job losses that Kissell pins on him.
"You don't know who to point the fingers at," Plott says.


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Prom is a rite of passage for all teenagers. It's also a chance for girls to dress up in fancy formal dresses, often for the first time. This special night is reason enough to purchase an epic dress. Once the right dress has been found, it's time to accessorize it with a few great pieces of jewelry.
Keep It Simple
If want to make the dress a focal point, it's best to keep the jewelry to a minimum. Adding just a bit of sparkle is perfect. Consider finding crystal earrings to bring a bit of light to your face. If the dress has a low neckline, a long chain with a simple pendant is the perfect option.
A few pieces are all you need to really tie the dress together. If you want to wear larger earrings, for example, consider pairing them with a plain chain. You can even forgo a necklace altogether. If you're wearing a wrist corsage, it may be wise to choose a gemstone ring instead of a bracelet.
Add Some Color
A beautiful, black prom dress needs some color to really make it stand out. Look for costume jewelry pieces that feature gemstones of a certain color. You can even opt for a rainbow of gems if you're feeling especially daring. Be sure to have your date coordinate the color of their tie or boutonniere to match the colors in your jewelry.
If you're already wearing a colorful dress, choose gems that are a similar hue. For example, if you're wearing a navy dress, look for a sapphire pendant. Adding too many contrasting colors may draw attention away from the dress.
Stay on Budget
Most prom dresses are only worn for a single night. The same goes for the jewelry. If you're buying new pieces to match your dress, be sure to set a budget. There are plenty of cost-friendly options that look expensive. Shop around to find the best prices.
You should feel beautiful on prom night no matter what you decide to wear. Once the perfect dress is bought, it's time to pick out coordinating jewelry. Be sure to click here to learn more about jewelry options that will look amazing on this special night.


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So I haven't exactly be on hiatus over the weekend from my creative endeavors. Trust me, this armoire project is looming over my head and I just want to get 'er done. I had my niece and nephew over for the weekend in addition to my two kids (help!). And although I had all good intentions of making an arts & crafts hour (or two) to make Valentine's cards with them, that never quite happened. This is where having a nicely organized craft armoire where all my arts & crafts supplies are neatly organized into perfectly labeled containers <<insert girlie squeal here>> comes in. This weekend my precious tools were scattered around in my bedroom trying to hide behind my reading chair, under my bed and in every kinda concealed corner I could find. And then of course, there's the box that just couldn't be hidden, sitting right in front of my reading chair just waiting (for a year now) for a permanent home. No way, no now, could there be a successful, organized arts & crafts session with the kiddos. I really wanted them to take something away from their weekend with me and what better than their own homemade Valentine's cards.
The kids went home Sunday morning. And after working out for 2 1/2 hours, cooking mom's amazing tostadas (click here for recipe) and hanging out at my girlfriend's for 3 hours in the afternoon, I came home to "relax". And then I walked into my bedroom, where the beast, I mean the armoire, awaited empty and lonely to be covered up from it's nakedness (missing doors) and filled in with all things nice and pretty (arts & crafts supplies). And there I went again. I added the hinges, doors, shelves and put in place the art supplies in the bedroom. Aahhh. What a relief.
Take a look at 'er now.
Speaking of 'er...what shall I name 'er?
But, I'm not quite done yet. Still need to purchase new door knobs, extra plastic bins, and get all the supplies boxed up in the garage out to be sorted and stored into the armoire. I'm thinking vintage style glass drawer knobs like these to add a touch of whimsy. Or, I may just make a trip to Anthropologie to get a few of these cutie knobs, What do you think?
Then and only then, will this project be completely done. You can view the BEFORE picture and the painting process here.


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The 2018 Emergency Services Open Day was held on the 18 November at the Greenwell Point Bowling & Sports Club, Greens Road Greenwell Point between 8am and 2pm (0800hrs & 1400hrs for the nautically knowledged).
Prizes for Open Day supplied by:
Bunnings Warehouse Nowra Transport Heritage Nowra Bakers Delight. Shoalhaven Ex-Servicemans Club Mogo Zoo
Jervis Bay Wild Flipout Nowra Silos Estate. Turfco Nowra Toyota Cambewarra Estate
Solomon Motors Compleat Angler Tuscany Wood Fired Restaurant
Organisations attending:
Pictured above SA-8 taking the public on a river ride during one of the first Open Day events.
Pictured above - photo from a previous Open Day showing the Iroquois helicopter on display.


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Completion of the minor requires twenty-one units of credit, fifteen of which must be upper-division courses, and twelve of which must be completed at CSUSM. Courses must be completed with a grade of C or better to count toward the minor.
One course must be an internship AIS 498, approved by the American Indian studies Coordinator, which brings the student into direct contact with the American Indian community. AIS 380 may also be used as an elective. With consent of the AIS program coordinator; as many as six units of independent Study (AIS 390) may be counted toward the minor.
Select (5) courses from:
Select (1) course from:
Total Units: 21