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Buying your boat through Boatmatch.com
Boatmatch charges the lowest brokerage fees in the industry on the fairest terms. Buyers and sellers using boatmatch are able to agree the best deals because our brokerage fees are so low. Our experienced brokers will closely monitor sales, provide qualified advice to buyer and seller, manage contracts and see every transaction through to a safe, secure and successful conclusion.
Buying your new boat with Boatmatch.com should be an enjoyable experience, we want to ensure the transaction takes place smoothly and safely with the minimum of fuss. In order to safeguard both buyers and sellers boatmatch closely monitors the sales process providing expert advice when necessary. If you require help or information at any time please contact boatmatch for assistance.
If you have purchased a boat before you will appreciate that certain criteria must be met before you proceed with the purchase; you must have proof of ownership, knowledge of any charges against the boat and we recommend you commission a full survey.
Boatmatch.com has linked up with the leading marine finance and insurance companies to provide the best terms for clients wishing to finance their new boat. Please talk to us in the first instance.
Why I should use a British Marine accredited broker
Proof of ownership
Sellers are required to provide Boatmatch.com with proof of ownership as part of the registration process. As part of the contractual process, the buyer or his representative will need to establish who has title and to establish whether there are any charges against the boat, such as a marine mortgage.
Boatmatch.com recommend that all boat buyers instruct a professional surveyor to provide a written report on the boat and its condition. Please ensure that your surveyor is a member of a recognised professional body and has appropriate insurance.
English law applies to all transactions.
Boatmatch.com uses a sale contract based on the International recognised British Marine Federation contract for the sale or purchase of a second hand vessel.
Recreational Craft Directive 94/25/EC, European Economic Area
A boat does not need to comply with the RCD if:
- It is one of the exclusions - principally craft intended solely for racing plus other minor categories.
- It was built in the EEA prior to 16th June 1998.
- It was in use in the EEA prior to 16th June 1998.
- It is only visiting the EEA for reasons of tourism or in transit.
A boat does need to comply with the RCD if it is not one of the above and if:
- It was first placed on the EEA market after 16th June 1998.
- It was put into service in the EEA after 16th June 1998.
- It is a home built boat placed on the market within five years of completion.
- It is an experimental or racing boat being redesigned for compliance with the RCD.
The EEA includes all EU States, their overseas territories and dependencies and Iceland and Norway.
Value Added Tax - guidance notes - a summary
The details below indicate the VAT rulings within the EC. While Boatmatch.com will assist on VAT matters it is the responsibility of the seller to confirm any VAT liability with their local VAT office.
Value Added Tax - Private transactions
What is this notice about?
This notice explains customs arrival/departure requirements for private individuals who sail their pleasure craft to and from the United Kingdom and within EU waters.
For the purpose of this notice, a pleasure craft is defined as a vessel which at the time of its arrival in the UK, or at the time of its departure from a port in the UK, is being used for private recreational purposes.
What documents will be required to provide proof of the VAT status on a used vessel?
EU residents should only use a vessel in the Community if it is VAT paid or 'deemed' VAT paid. Documentary evidence supporting this should be carried at all times as you may be asked by customs officials to provide evidence of your vessel's VAT status, either in the UK or in other Member States. Documentary evidence might include:
- original invoice or receipt
- evidence that VAT was paid at importation, and/or
- invoices for materials used in the construction of a 'Home-Built' vessel.
A registration document on its own does not prove the VAT status of the vessel, as there is no link in the UK between the registry of the vessel and the payment of VAT. If you have difficulty in providing the information, you should contact the VAT, Excise & Customs helpline on 0845 010 9000
Certain vessels that were in use as private pleasure craft prior to 1 January 1985 and were in the EU on 31 December 1992, may be deemed VAT paid under the Single Market transitional arrangements. As Austria, Finland and Sweden joined the EU later, the relevant dates for vessels in these countries are 'in use' before 1 January 1987 and moored in EU on 31 December 1994.
After this date there were no further transitional arrangements agreed by the EU Commission for subsequent EU expansions.
The following documents are useful to prove the age and location of the vessel:
|For Age
|For Location
|Marine survey
|Receipt for mooring
|Part 1 Registration
|Receipt for harbour dues
|Insurance documents
|Dry dock records
|Builders certificate
If you are unable to provide any of the above for used vessels kept in the UK you should, whilst cruising within the EU, carry a Bill of Sale (if applicable and between two private individuals in the UK). Whilst this is not conclusive proof that VAT has been paid, it does indicate that the tax status is the responsibility of UK customs authorities. It is also advisable to contact the relevant authorities in the Member State you intend to visit, or their Embassy in the UK, to confirm what documentation will be required in advance of your voyage.
When buying a used pleasure craft from any VAT registered business in the EU, you should make sure that the invoice shows separately any VAT which that business has charged to you on supply of the pleasure craft. If the invoice does not show VAT separately you may have difficulty in demonstrating that VAT has been paid. If you are buying from a business that does not charge VAT on the transaction or from a private individual in the EU and the seller states that VAT has previously been paid on the vessel, you should obtain evidence from the seller that VAT has previously been accounted for.
Will I have to pay taxes or duties on my pleasure craft?
Vessels less than 12 metres long are potentially liable to customs duty when imported from outside the EU and all vessels designed or adapted for recreation or pleasure use are potentially liable to VAT.
If you are temporarily importing your boat from outside the EU, it may qualify for relief from these charges as described in Section 5.
If you are permanently importing the boat on transfer of your residence from outside the EU, it may qualify for the relief described in sub-section 3.15.
A boat previously VAT paid and exported from the EU may also qualify for relief on return if:
- imported normally within 3 years of its export from the EU, and
- imported by the person who exported it from the EU, and
- it has undergone no more than running repairs outside the EU that did not increase its value.
For more information refer to Notice 236 Customs: Importing returned goods free of duty and tax.
If, after reading this notice, you are still in any doubt about whether customs charges are due, you should contact the VAT, Excise & Customs helpline on 0845 010 9000
Can a vessel lose its VAT paid status?
VAT is due on the importation of any vessel from outside the EU. However, there are provisions for this VAT to be relieved when an EU VAT paid vessel returns to the EU, refer to sub-section 3.4. If an EU VAT paid vessel leaves the EU, and whilst outside the EU it is sold, the new owner will, unless eligible for one of the reliefs described in this Notice, be liable to pay VAT if the vessel is brought back into the EU.
Do I have to pay VAT on a vessel intended to be kept outside the EU?
If you are planning to buy a pleasure craft in the UK but intend to keep it permanently outside the Community, you may be eligible to purchase it VAT-free using the Sailaway Boat Scheme. The scheme does not apply to vessels which are for business use or which are exported in the normal way as cargo.
To obtain relief under this scheme, you will need to complete form VAT 436 which must be certified at the last point of departure from the EU. VAT Notice 703/2 Sailaway Boats explains the scheme in more detail and describes the additional procedures that you will need to follow.
In all cases, the UKBA require prior notice of departure.
VAT Avoidance Schemes
HMRC are aware that VAT avoidance schemes are marketed in the pleasure craft sector. The schemes typically involve artificial leasing or chartering arrangements under which the user acquires a new pleasure craft which is claimed to have 'VAT paid' status while, in reality, paying no VAT (or a minimal amount of VAT).
If there is evidence to suggest a vessel has been purchased through such a scheme, HMRC may investigate with a view to recovering any unpaid VAT. It is also possible that interest and penalties may be charged in relation to any unpaid VAT.
If you are purchasing a used pleasure craft which has previously been subject to a leasing or chartering arrangement you should be alert to the possibility that it might have been supplied through a VAT avoidance scheme.
If you are concerned that a vessel may have been supplied through a VAT avoidance scheme you should, in the first instance, contact our VAT, Excise & Customs helpline on 0845 010 9000
Value Added Tax - Company owned boats
Where a company owned boat, on which VAT has been reclaimed, is sold, VAT must be charged on the full value of the sale.


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Nothing says Christmas better than good ol' Santa Claus.
And just like regular people, some celebs enjoy getting into the holiday mood by dressing up, if not as saint nick himself than as his beloved Ms.Claus, but unfortunately, these celebs wear Ms. Claus's clothes just a little better than she does.
1.Pamela Anderson
2.Lacey Chabert, Lindsay Lohan, Rachel McAdams And Amanda Seyfried
3.Selena Gomez
4.Scarlett Johansson
5.Tyra Banks
6.Katy Perry
7.Mariah Carey
8.Michelle Monaghan
9.Allison Brie
10.Alessandra Ambrosio
Page 1 of 5

subset: commoncrawl


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How do I know what is right from wrong? Answer
|Chazz Palminteri, Christine Lahti, Tom Guiry, Michael Lerner, Linus Roache, Michael Rispoli, Roma Maffia, Frank John Hughes, Arthur J. Nascarella, Saverio Guerra, Chad McKnight, Lauri Johnson, Dean Marrazzo, John "Fastjack" Farrell, Bill Allison, Steven Christopher Parker, Charlie Talbert, Heather Sullivan, Rusty Meyers, Nate Bynum, Charlie DiPinto, Tom Cassell, Michael A. Rizza
|Robert Celestino
|GO Productions, Trent Othick Productions, Kerry Barden, Jim Click, Fred David, Richard DiPatri, John Gaughan, J. Todd Harris, Phil Ivey, Robert H. Moretti, Matt Othick, Trent Othick, Chazz Palminteri, Vincent Schettler, Illya Trincher, Joey Whitacre, Bill Wortman
|Magnolia Pictures
Here's what the distributor says about their film: "A scam artist has his plans suddenly interrupted when he must take over the care of his son who suffers from Downs' Syndrome.
YONKERS JOE is an exciting, high-stakes con film and moving family drama written and directed by Robert Celestino, and starring Academy Award-nominee Chazz Palminteri, Academy Award-winner Christine Lahti, Tom Guiry (THE BLACK DONNELLYS), Golden Globe-nominee Linus Roache, and Academy Award-nominee Michael Lerner. An ode to old time gamblers, now outdated in an age of powerful upscale casinos, YONKERS JOE tells the story of a dice hustler (Palminteri) whose determination to make one last grab for a big score in Vegas is complicated by the reappearance of his estranged, mentally challenged son into his life."
See list of Relevant Issues—questions-and-answers.
PLEASE share your observations and insights to be posted here.


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Elevator – Designed with Compassion, Suggested by a Horse
Many say that the simple ideas are the best ideas, and this core philosophy has really been the foundation of the exceptional success that Elevator enjoys the world over today.
Elevator started with the revolutionary bridle designed by Lorraine Green – the original comfort bridle that has gone on to set the standard for many bridle designs today. Elevator has since evolved to include a range of exceptionally high quality, innovatively designed products making it one of the most 'aspirational' equestrian brands for both professional and recreational riders.
For the Love of Elevator ….
The Elevator Performance Bridle was born out of inspiration by Lorraine's chestnut mare 'Elevator'. Lorraine, a SMS saddle-fitter and has ridden all her life and successfully competed in affiliated show jumping, eventing and dressage. It was while competing in dressage, that Lorraine started experiencing problems with her beloved – and very sensitive –chestnut friend. She sought advice from respected trainers, vets, dentists and chiropractors, none of whom could find anything physically wrong with Elevator.
Coming to the conclusion that Elevator was trying to tell her something, Lorraine was determined to establish the root cause of some of her behavioural issues. It was a thought-provoking statement made by Kyra Kyrkland who said "A horse can feel a fly so why do we need so much kit to control him?"
This was a turning point for Lorraine and she started to ride Elevator in a simple padded headcollar. While of course not being perfect, the improvements were noticeable. This set Lorraine on a path of discovery as she researched in greater depth the associated physiology. It soon became apparent just how sensitive the poll area (otherwise known as the nerve centre) is on a horse.
Development of the Elevator Performance Bridle …
Following considerable trials and development, Lorraine designed a bridle that provided the ultimate in comfort to the horse to alleviate pressure behind the ears and to the sensitive poll area. While the bridle design was of course imperative, Lorraine also realised that the softest, most comfortable of leathers was required. She set about sourcing the finest quality English leather that would be sumptuously soft for the horse's comfort, yet durable for a long lifespan.
This marked the start of the first ever Elevator Performance Bridle handcrafted as it is in its present form today using the softest, best quality English leather by skilled British craftsmen. In fact, such is the durability of the leather, Lorraine still uses her original Elevator bridle on a daily basis which remains lovely and soft, thanks to the divine smelling Elevator bridle cleaner.
The Elevator 'comfort' bridle, designed to give control with just the lightest touch, soon became a talking point for many leading equestrian professionals across all disciplines from which the words "amazing", "a complete transformation" and "the best investment I've ever made" have since become synonymous. The rest, as they say "is history"!
Elevator today, so much more than just a Bridle!
The Elevator Bridle & Saddle Co Ltd offers an entire collection of premium quality equestrian products ranging from the amazing symmetrical dressage saddle to sumptuously soft headcollars, girths, reins and beautifully crafted leatherwork. Elevator also offers a bespoke design service to guarantee you stand out from the crowd.


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Qlusters Brief:
Qlusters provides openQRM - Data center Management software.
Qlusters Inc, started its operations on Nov. 1, 2001, and was initiated as Israel Seed Partners first Entrepreneur in Residence (EIR) investment.
Qlusters produces openQRM an open source data center management and automation software. openQRM improves the reliability of commodity servers data center and reduce the total cost of operation.
Israel Seed Partner's first Entrepreneur in Residence (EIR) company. Israel Seed Partners is joined by Benchmark Capital, Duff Ackerman & Goodrich LLC and Charles River Ventures.
Ofer Shoshan, Founder and CEO: Ofer Shoshan has over 16 years of experience in starting and managing high-tech companies and projects in Israel, Europe and the United States. Prior to founding Qlusters, Ofer was Entrepreneur in Residence at Israel Seed Partners, founder and CEO of Coretech, a company that developed a life-saving cardiological device, VP Business Development at RichFX, an Internet technology company, and VP Marketing and Business Development of Comsec Information Security (TASE: CMSC). Ofer had also been retained as a strategic consultant by many major corporations including CheckPoint (CHKP) and others. Ofer is member of the board of the MIT Enterprise forum of Israel. He also served in multiple command roles as an officer in the Israel Defense Forces (IDF).
Ofer holds an MBA from INSEAD, Fontainebleau , France.
| Headquarters:
1841 Page Mill Road
Palo Alto, CA 94304
Tel: (650) 812-3207
Fax (650) 812-3202
1 Azrieli Center
Round Tower
Tel-Aviv, 67021
Tel: +972 3 6081977
Fax: +972 3 6081841


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Physicochemical and Environmental Plant Physiology, Fourth Edition
Language: English
Pages: 604
Format: PDF / Kindle (mobi) / ePub
This is the fourth edition of an established and successful reference for plant scientists. The author has taken into consideration extensive reviews performed by colleagues and students who have touted this book as the ultimate reference for research and learning. The original structure and philosophy of the book continue in this new edition, providing a genuine synthesis of modern physicochemical and physiological thinking, while entirely updating the detailed content. Key concepts in plant physiology are developed with the use of chemistry, physics, and mathematics fundamentals.
The figures and illustrations have been improved and the list of references has been expanded to reflect the author's continuing commitment to providing the most valuable learning tool in the field. This revision will ensure the reputation of Park Nobel's work as a leader in the field.
* More than 40% new coverage
* Incorporates student-recommended changes from the previous edition
* Five brand new equations and four new tables, with updates to 24 equations and six tables
* 30 new figures added with more than three-quarters of figures and legends improved
* Organized so that a student has easy access to locate any biophysical phenomenon in which he or she is interested
* Per-chapter key equation tables
* Problems with solutions presented in the back of the book
* Appendices with conversion factors, constants/coefficients, abbreviations and symbols
Plants at the Margin: Ecological Limits and Climate Change
Tropical Fire Ecology: Climate Change, Land Use and Ecosystem Dynamics (Springer Praxis Books / Environmental Sciences)
Trees for Gardens, Orchards, and Permaculture
Ecological Intelligence: How Knowing the Hidden Impacts of What We Buy Can Change Everything
Tropical Forest Community Ecology
Locust: The Devastating Rise and Mysterious Disappearance of the Insect that Shaped the American Frontier


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loved the প্রদর্শনী but after killing off marissa i হারিয়ে গেছে a lot of প্রণয় for it man, taylor was a terrible প্রণয় interest replacement and marissa was bae. পোষ্ট হয়েছে বছরখানেক আগে
|আরো দ্যা ও.সি. মতামত >>
|আরো দ্যা ও.সি. উত্তর >>
It's been nearly 7 years since "The O.C." ended on FOX, but what would have become of the characters after the প্রদর্শনী ended? Thanks to Adam Brody, there is now a possible answer for one of them.
In an interview with Nylon magazine, the actor says his character, Seth Cohen, would likely be dead দ্বারা now. Hold your horses, "O.C." fans, that doesn't necessarily make it canon. Still, Brody says, "I think he'd be going down to Mexico and probably had a bad car accident. It wasn't any fault of his own, but yeah, knowing what I know now about Seth and his poor decision-making, that's my...
[Seth and Summer Cohen went into their limo and drove out of the large Cohen house, headed to the Airport. Their wedding was perfect all they could ever imagine. আপনি see them in the back of the limo waving to their family and বন্ধু saying goodbye till they come back.]
"I am so excited for Tahiti, Cohen!!" ব্যক্ত summer with a gleaming smile on her face.
Seth rubbed her cheek. "It's where I've always wanted to bring আপনি with me. I প্রণয় আপনি so much."
♥Seth: So what's the GP,RA?
Seth: I didn't know they had মিউজিক্যাল in Chino. I didn't even know they had dancing অথবা laughter.
Seth: Over-exposure, its a major উৎস of conflict in a relationship. Summerith, Sethimer? আপনি understand what I'm saying?
Ryan: No no, but that's normal.
Seth: What happens in Mexico stays in Mexico.
Ryan: What happens in Mexico?
Seth: I don't know because it stays there! That's why we must go.
Summer: Besides, Marissa is happy now.
Ryan and Seth are brothers according to O.c series.Seth is is the Biological son while Ryan is the adopted one but what are similarities and differences Similarities 1 They are both males 2 They প্রণয় their chicks 3 They keep entering girl drama issues 4 They প্রণয় to hang out 5 They both have the nack for trouble 6 They both প্রণয় their family...
"What are আপনি going to L.A. for Marissa?" Anna asked suspiciously
"Um, shopping." Marissa lied
"So you're taking two cars?" Seth asked
"No...in fact, if আপনি would be so kind as to drive my car home?" Marissa asked
"Sure...I guess." Seth ব্যক্ত as he ran a hand through his hair.
"Oh really, so you're not going to visit a certain someone." Anna persisted
"Uh..no. What are আপনি talking about? I don't even know anybody who's in L.A.-
"Why not?
Marissa was abruptly interrupted দ্বারা someone behind her.
"Because she hung up."
"Anna?" Caitlin ব্যক্ত surprised
"Anna? What are আপনি doing here? And Seth?" Marissa added as Seth came running up behind Anna
"We came to find আপনি since আপনি didn't প্রদর্শনী up for school." Anna ব্যক্ত worriedly
"What are you? My mother?" Marissa ব্যক্ত bitterly
"Caitlin, I didn't know আপনি were in town. How's boarding school treatin ya?" Seth smiled
Marissa pulled into the trailer park, her rims still spinning long after the car was parked. Marissa opened the door, and flinched as it creaked open, hoping her mom wasn't home. She stepped into the small, cramped kitchen. Marissa placed her cell phone on the রান্নাঘর counter just as something moved behind her.
"Marissa?" a female voice called from the even smaller and আরো cramped living room.
Marissa turned around, dreading the inevitable
"Skipping school?" Caitlin grinned
Chapter 8: Thursday: The Rebellion
Marissa laid sprawled out with Volchek on his mattress when there was a knock on the door. Volchek sat up lazily and glanced in the general direction of where the knock had come from as Marissa began to stir from her sleep beside him.
"Yo Volchek!" the voice yelled through the door.
Volchek got up, running a hand over his head and opened the door. Revealing a group of dingy looking guys, holding a couple packs of বিয়ার and cigarettes.
|আরো দ্যা ও.সি. প্রবন্ধ >>
It's been ten years since the end of the প্রদর্শনী that changed টেলিভিশন forever.
|আরো দ্যা ও.সি. লিঙ্ক >>


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Espresso Zarcino, Chatswood Chase
If you are after a sweet gluten free treat in Chatswood you have quite a few choices, one being Espresso Zarcino in Chatswood Chase.
Espresso Zarcino has a huge range of hot and cold drinks, sweet treats and savory items, however unfortunately they do not have any savory gluten free choices.
As I try and avoid buying sweet treats too often I have only tried the orange and almond cake at Zarcino. The cake, which is dairy and gluten free, is very moist and, well, tastes delicious!
Other gluten free options include: lemon polenta cake, japonaise cake (hazelnut and chocolate meringue), peach & passionfruit cheesecake and chocolate almond fingers. The pear & walnut and apple & rhubarb cakes are also gluten and dairy free.
What is your favourite sweet treat?


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Day 13: Diabetes meet ups
Some days diabetes means meeting up with some of the best people.
Life, liberty, and the pursuit of happiness as seen through the prism of type 2 diabetes
Some days diabetes means meeting up with some of the best people.
Life, an unalienable Right
Today's Diabetes Blog Week prompt:
Share an interest, hobby, passion, something that is YOU. If you want to explore how it relates to or helps with diabetes you can. Or let it be a part of you that is completely separate from diabetes, because there is more to life than just diabetes!
+ + +
I feel like I've been writing outside the lines all week. So, I guess I won't stop now.
I'm a policy wonk.
I believe that politics matter because government can do good for the people—or it can do bad.
My voice and my vote is how I influence my government to do good.
Politics and government are difficult subjects to bring up in polite company. Especially these days when the country if so polarized and seems to be experiencing collective PTSD over the legitimacy of those in power.
When health becomes the target of judgement
Today's Diabetes Blog Week prompt:
Having diabetes often makes a visit to the doctor a dreaded experience, as there is invariably bad news of one kind or another. And sometimes the way the doctor talks to you can leave you feeling like you're at fault. Or maybe you have a fantastic healthcare team, but have experienced blame and judgement from someone else in your life – friend, loved one, complete stranger. Think about a particularly bad instance, how that person talked to you, the words they used and the conversation you had. Now, the game part. Let's turn this around. If you could turn that person into a puppet, what would you have them say that would leave you feeling empowered and good about yourself? Let's help teach people how to support us, rather than blame us!
+ + +
There is plenty of talk about how people with diabetes feel the sting of blame from comments and assumptions made by people outside the diabetes community.
Only this past week the internet blew up when federal budget director Mick Mulvaney in commenting on healthcare reform said, "It doesn't mean we should be required to take care of the person who sits home, drinks sugary drinks, doesn't exercise, eats poorly, and gets diabetes."
Ouch. That hurt.
Also, it's ignorant.
Where the DOC has unexpectedly led me
We're at the beginning for Diabetes Blog Week and I'm already coloring outside the lines.
Today's prompt is called diabetes and the the unexpected. Here's the description:
Diabetes can sometimes seem to play by a rule book that makes no sense, tossing out unexpected challenges at random. What are your best tips for being prepared when the unexpected happens? Or, take this topic another way and tell us about some good things diabetes has brought into your, or your loved one's, life that you never could have expected?
Rule book? Random challenges? Yeah, none of that is really resonates with me. What could I have never expected from diabetes?
What I didn't expect to find after my diagnosis was vibrant and varied diabetes online community, a.k.a. the DOC.


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The Fed is NOT the Government! Wall Street Financiers, NY FED, International Central Bankers are to Blame.
Bailout Boil-over
Anger, confusion, outrage, misinformation, disinformation, cover-ups, responsibility avoidance, finger-pointing, political posturing, buck passing, ignorance and outright lies – that is what I'm hearing in all the hoop-la over AIG bonuses.
It's all a dog and pony show, and the real culprits go unnoticed and the main issues are not even being discussed.
After listening all week and all day today to the angry comments about the AIG retainment bonuses, I've just about abandoned all hope of saving our republic. There is just too much ignorance about the real causes of the financial meltdown. There has been a corporate feeding frenzy at the public taxpayer trough since the S&L collapse of 1989, and the Enron scandal and throughout the last several decades. It has grown into a Frankenstein Monster in the past decade, but it has taken far too long for the public to become outraged over the criminal excesses coming from Washington and Wall Street. What we are now seeing is the drama over whether the tail is wagging the dog, and which one is Wall Street and which one is Washington, and our real government.
The vast majority of the news MSM TV commentators apparently know little more about the way the Federal Reserve runs the country than the average citizen. Even more appalling is the sad fact that our senators and congressmen seem so ignorant of the nebulous relationship between the Fed and the Government. Reporters are using the terms "Fed" and "government" interchangeably, and this continues to obscure or hide the fact that the "Federal Reserve" is not part of the federal government. The name is deliberately deceptive to give that impression, when the reality is that it a private for profit banking corporation. It is independent of the federal government, even though there is supposed to be some congressional oversight.
Everybody is outraged about the hundreds of millions in bonuses AIG contracted to the key traders in its Financial Services division. What people should be outraged over is the larger issue of who made the decisions to bail out AIG in the first place. It was the Fed's sole decision, unilaterally, with no approval or oversight from congress to give the first 80 Billion to keep the company from defaulting on its credit default swaps, the worst and riskiest kind of derivatives.
Too Big to Fail? Or Too big to Exist?
Most of that money went out to other counterparties like Goldman Sachs, JP Morgan, Bank of American and so on, all the "too big to fail" financial institutions. IMO, too big to fail is too big to exist. We should have anti-trust and anti-monopoly laws to protect the American people from the kind of financial rape that is now occurring. And financial rape is exactly what it is, and I am not just talking about just $160 million in bonuses. That is just the tip of the iceberg. The entire financial bailout package was a criminal enterprise designed to rape the US taxpayer out of $Trillions. Not that it hadn't already been going on for 80 years, but the crooks apparently just decided compound interest on the US Dollars they loan to the US was too slow, so they went for the goose what was laying the golden eggs.
It starts with the Federal Reserve Act of 1913, and the handing over of America's sovereign right to create and manage our nation's currency to the Federal Reserve System, and all private banks that indulge in the practice of fractional reserve banking. The details are too complex to cover here. See my website for further information. NEXT: Here's what is wrong with our system:
Here's what is wrong with our system:
1. Privately rather than publicly created & controlled money systems.
2. Global-International money monopolies. BIS, IMF, WB, Central Banks, Fed, etc.
3. Laissez-faire, unregulated, unchecked, uncontrolled, monopolistic finance capitalism.
4. Private economic usurpation of control of our government. Democracy has been replace by plutarchy and corporate oligarchy.
5. Private economic usurpation of supposedly "free markets" in collusion with the Federal Reserve System and the Treasury, and the "Plunge Protection Team".
6. Banks, financial institutions and corporations that are "too big to fail"; "Too Big to Fail" is "To Big to Exist".
7. Mainstream media that are all owned by corporations that are too big to fail.
8. MSM news anchors that are too young, handsome or pretty to be wise enough to see the real issues or ask all the right questions. This is particularly true on economic and political issues. They do well enough reading scripts written for them by the station owners and managers.
How did we get to this place? What happened? Why are the people, the taxpayers, getting skewered for $Trillions to bail out financial institutions that are too big to be allowed to fail? What happened to anti-trust acts? What happened to the laws that are supposed to protect us from monopoly power?
Who has the "POWER"?
Increasingly, ever since the founding of the USA, the money powers have been in direct competition with the people for control over the US governments, federal, state and local. The battle has been about whether government should be from the bottom up, or the top down. This is really the same eternal class struggle and warfare that has been going on since our first recorded histories, and back into the oral traditions beyond writing. It is the struggle over the distribution of the land, resources and wealth of our planet. In other words:
Who owns the earth?
Did God create the earth, or did man? Who gave certain men title to the lands they claim are "theirs"? Do certain men own all the resources that come from the earth? Do men own their own labor or the fruits thereof? What are natural rights? What are social or group rights? How do we determine who gets what and how much? What are social contracts? Where do governments get their authority? The ages-long struggle for power has involved these questions, and they have not yet been settled. It is an ongoing process that is continuing today.
There has always been "class warfare".
Class warfare has been the one constant throughout all human history, right up there with the struggle for survival itself. There has always been an aristocracy or power group or class – kings, warlords, priests, governors, nobles, lords or landlords – that have wielded power over the masses of people, and a struggle by the masses to free themselves of some form of dictatorial tyranny and replace it with a degree of self-rule, or constitutional republican democracy.
We have been led to believe that struggle was won with the winning of the American Revolution and the establishment of the USA.
The Class Struggle Continues Today
We have gravely misunderstood the real situation. By revolutionary times in America, financial powers (FP) had already replaced the British Monarchy as the supreme sovereign authority. The Bank of England had finally gained the money-monopoly from the British crown in 1694, in return for financing William's wars against France. The Rothschild Brothers had established the major five (5) central banks in Europe with the Bank of England as the centerpiece. The international bankers control over the western governments was thus launched. This marked the start of the fall of the power of monarchies, and the rise of the power of the financiers, money-changers, money-lenders or money-masters.
This is a fascinating history in and of itself, but you won't find it in approved history texts. Nonetheless, the records are there. It has not yet been totally obliterated, although not through lack of effort.
The wild card was the New World – North, Central and South America – and how to keep control of both their wealth and people. They did it by gaining and increasing their power and control over land, resources, labor, governments, and most of all, money and economic power through the rise of corporations and corporate law. They finally established corporations as entities with the powers of natural persons, and that, of course, made them super-persons. Super-persons tend to replace natural persons as the basis for democracy, and that is exactly what has happened. But we are getting ahead of our story.
What the people who tried to establish democracy in the new world failed to realize was that winning the Revolutionary War and gaining control over the executive, legislative and judicial branches of government and the military was not enough, in and of itself. The greatest power, or sovereignty, is economic. And until there is some measure of economic sovereignty, there can be no lasting political sovereignty. Let me repeat: Democracy cannot long continue without a fair measure of economic democracy.
Political Democracy is Dependent on Economic Democracy
The former cannot be long held without the latter. Until a person is able to establish a degree of economic self-sufficiency there can be no political freedom. As long as a person must depend on another for food, shelter, basic needs, employment, or "money", that person is not "sovereign", or in control of his or her own political will. All that that entails would be the subject of other volumes, but it involves having legal access to land or "space" and "resources" on or in which to employ "labor" in sufficient degree to meet the needs of that person or his family. Unless a person has a "space" to call his or here own, and work his craft or trade, or grow crops, that person is not "free" in the economic sense, and cannot be "free" in the political sense. If that person is dependant on a company or corporation for work, then that person is subject to the political and economic influences of that "culture", and is not completely independent.
So we are all tied to economics for our well-being and existence, and money is at the heart of economics. It is also at the heart of modern problems, even the imminent world-wide financial collapse that now threatens to throw us into chaos. This brings us back to "class warfare".
Class Warfare- then and now
The easy availability of land in North America made it seem for a while like the class struggle had been resolved. Free land meant wealth and prosperity, and the early settlers and colonies were largely free of the class struggles Europe was experiencing. If one leader or governor tried to "lord it" over the people, they would just leave and go somewhere else and start over. That freedom of land and movement made government less oppressive and more democratic. But these conditions did not exist universally or long. Crowded cities offered greater opportunities for wealth and prosperity, but also created more poverty and discontent to go along with it. There was an economic stranglehold on the colonies by Great Britain, that is too complex to briefly explain, but it revolved around "Free Trade" issues, and even more importantly, the right to create and control colonial currencies, or money. Although the fact has been suppressed in latter years, the two wars the US fought with Britain were over economics, and economic freedoms. They were the main reasons for the wars, even if history books tend to distort or obscure that fact.
"Taxation without representation" was only one slogan over one aspect of that economic struggle, and the economic struggle was part of a larger one of "class warfare", the nobles of England (and their bankers) versus the serfs of America. The colonies were not allowed to manufacture their finished goods, but were supposed to export the raw materials to England for them to finish and then import the finished goods at much higher prices from England than they could be made for domestically. While doing all this, the "colonies" were to use British money, and were generally forbidden to coin their own money or issue their own bills of credit or currency. It was this economic and monetary tyranny over which the wars were fought and independence supposedly gained. There is the fly in the ointment. Economic sovereignty was only temporary without money sovereignty, and the private bankers retained the money sovereignty, and kept it apart from government control, at least in part – if not in law, at least in fact.
The US Constitution gives congress control over the "coining of money" and the regulation of the value thereof. Yet private banks create and control nearly all of the nation's currency and electronic money, and electronic debits and credits make up 97% of all US money in existence.
Many volumes of books could be devoted to this subject, and indeed already have, although mostly from the bankers perspective. Carl Marx was a notable exception. Others were Paine, Franklin, Jefferson, Edward Kellogg, Henry George, and others who had a broader, more general, or "populist" point of view. I have studied these, and more, and have arrived at the conclusions stated herein after extensive reading in history, politics, and political economics. My perspective is a mixture of these and many other philosophies, but primarily one of, I think, essential human fairness. It is a simple matter of trying to get it right.
Here is the way the game is now played: The Wall Street Financial Powers (WSFP) have greatly influenced the writing of American constitution and our laws, especially the laws dealing with money, commerce, land, trade, and markets. They provide financial backing of those candidates that will best represent their views, often against the best interests of the people.
But more, they provide the power of the presses, and the informational, educational and news media of the day. These are used in several ways to advance their financial powers:
- They promote a general economic philosophy and economic climate that favors them; they establish economic schools that teach their economic theories;
- They promote their hand-picked candidates for political office; they "tap" or select identified "persons of great promise" or charisma to sponsor in various ways that serve them;
- They send enough legislators, lobbyists, and "other incentives" to congress to write the laws that allow them the freedom to multiply their money and wealth, generally at public expense;
- They keep financial and business regulation to a minimum, and when they can't prevent regulation they use different methods to influence it, or limit is regulatory efficiency (revolving doors between government and businesses they regulate);
- They use every known tactic of trickery, deceit, influence, rhetoric, and intimidation in order to either promote or prevent legislation, and these more reprehensible devices do not exclude luring officials into compromising situations and then threatening to release evidence if compliance is withheld. Of course this is blackmail, but the intimidation can and often does extend to threats of harm or death of themselves or of others, and if all else fails — well, mysterious plane crashes, assassinations, and other accidents simply happen.
- Finally, they can and do use their extensive financial power to create boom and bust cycles over supposedly "free markets" and then the general economy. They buy up failed assets for pennies on the dollar during the busts, and multiply their wealth many times over during the recovery efforts and cycles. Wash, rinse and repeat.
So here is the situation we have now. The financial powers (FP) control the misnamed private Federal Reserve System that controls our money and then uses our money to hold us hostage to their policies that further enrich them at public expense. The FRS or "Fed" is not a part of the government, but the Financial Powers (FP) use the powers of the media they own to deceive the people into thinking that the Fed and the USGovt are one and the same. That leads us to the following reality:
The FP stole our US Government. They now largely control it, and the legislation it writes, at least as long as public sentiment does not reach the outrage level. The FP get the laws they want from congress and use them to bilk the people out of trillion in wealth.
When the people catch on, or it gets out of hand, or exposed, the financiers then blame the government, and the "people" who elected them. So "big government" becomes the enemy of the people, or the scapegoat, in reality. The bankers control the government who write the laws the bankers want in order to bilk the people out of their wealth and then use the wealth to buy more government power to pass more laws so that they can make more Ponzi scheme swindles, and so on ad infinitum.
The government is supposed to be of, by and for the people, but instead the bankers have turned it into one of, by and for the bankers and their corporations. Owning and controlling all the money and the media, it is easy to convince the people that "big government is to blame" for all the problems that the bankers and corporations are actually causing.
So for over 200 years we, the American people, have been told that big government is the main threat and greatest evil, when much or most of the time it was the financial and banking powers that was the real culprit. Big government can indeed be a threat to the people, and to democracy. It can only be so only if the government is not truly representing "the people", and is in fact representing other commercial, corporate or financial interests. When that "out of balance" condition exists, then government is indeed the threat, and should be viewed as such.
So the entire market crash and subsequent economic collapse and taxpayer bailout was all cause and orchestrated by the bankers, but they are blaming it on the government, and various govt agencies like the Fannie Mae, Freddie Mac, and present or past Democratic presidents and their policies, and so on.
Fox and CNBC are the worst offenders spreading the financier's propaganda. CBS and ABC aren't far behind. MSNBC is telling some of the truth, but certainly not all. They don't know it all, and if they did, and told it…. well, let's just say that Keith Olbermann and Rachael Maddow are about as close to the truth as anyone in the mainstream media is allowed to get.
The drumbeat of adjectives the FP use to silence their critics goes something like this: They are "un-American, communists, traitors, socialists, leftists, radical revolutionaries, anti-Americans, populists, terrorists, atheists, anti-Christians, and the unsavory list goes on. It is far easier for them to use labels that to refute the facts and issues. It is far easier to trash the messenger or impugn one's patriotism than to refute the message. Most of the people who throw these socialist and communist epithets around don't even have a clue about their definitions.
Communism and socialism are not viable threats to US democracy. Totalitarianism is the real threat, and that includes economic totalitarianism. In the USA we have the luxury of being relatively isolated from foreign invasion. We have an overwhelming military and technological superiority over the rest of the world. Our only real threat is and has always been from within. A government run amok is a real threat. An attack on the public's money and banking system is a real threat. Economic domination and inequality of wealth distribution is a real threat.
Big government is not the enemy; bigness is an enemy, including big banking and big business.
Government power is not the enemy; excessive, unregulated power is an enemy, including money power.
Money is not the enemy; improper creation, regulation and control of money is an enemy.
I want to conclude with the most crucial and important words I can muster:
There is a massive propaganda campaign to direct the anger at government, when it should be directed at those banking and financial interests who are responsible for the derivatives and default swaps Ponzi Schemes. Our biggest threat is from ourselves – misdirecting our anger at the wrong targets is a very real threat. Money, banking, trusts, cartels, syndicates, and other forms of monopoly powers are the real and imminent menace to the people everywhere. Governments are being controlled, manipulated and influenced by those powers in many ways that are not beneficial to the people. The money powers are preventing checks and balances to their financial power in every way they can. It is the financial-military-industrial complex that has grown far too powerful and lacks accountability to the public in any real and effective way. We have become a corporatocracy, and in doing so have lost our democracy and our most basic constitutional rights. We must do something to regain our basic rights. We have to find ways to reduce the size and power of supposedly "private enterprises" that are too big to fail" and too big to regulate, oversee, or even understand. Too big to fail is too big to exist.
The people of America (and all nations) desperately need to reclaim its lost ownership of our representative government. The people need to return to working toward the ideal of a truly democratic government that is representative of the will of the people under the supremacy of law. This means changing the ways people relate to governments and governments respond to the will and the interests of the people. This must start at the grassroots levels, and work its way up. It can not come from the top down.
It is time for a truly populist uprising to reclaim our sovereign rights as citizens of a constitutional democratic republic.
Filed under: bailout, economic crisis, monetary policy, Money Crisis, Socio-Economic Commentary, solutions | Tagged: AIG, ANTITRUST, bailout, banking, economic crisis, FED, Federal Reserve, financial crisis, meltdown, money, MONOPOLY, OUTRAGE, Ponzi, POWER, solutions, TREASURY |


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Often I get asked by other environmental health and safety (EHS) professionals and conference organizers, "What are the top trends in potent compound safety that I need to watch out for in the coming year?" While predicting trends is often a futile effort and because of the "Gradually, then suddenly" effect, things can change overnight, I will give it a shot.Read more
Here at Affygility Solutions we often get asked, "When do I need an occupational exposure band (OEB) or occupational hazard categorization (OHC) report vs. an occupational exposure limit (OEL) monograph?" Well, let me explain.
Occupational exposure band reports are intended for early stage compounds with limited or no human data. The objective of an OEB report is to assign an early stage compound to a control band, without providing a specific numerical occupational exposure limit (OEL) or numerical acceptable daily exposure (ADE) (aka permitted daily exposure (PDE) value). And while the expert occupational toxicologist may perform some "back of the envelope" calculations to determine the appropriate control band assignment, it is unwise to present these calculations in the OEB report since the numbers will significantly change as the compound moves through development. In addition, the expert occupational toxicologist authoring the OEB report may also employ a "read-across" or professional judgement approach to similar compounds based on the compound of interest's specific molecular structure.Read more
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On July 1st, 2018, the Pharmaceutical Inspection Convention Scheme (PIC/S) on Cross-contamination in Shared Facilities Guidance goes into force. This includes the additional guidance on establishing health-based exposure limits (HBELs) for shared facilities. These Chapters of the PIC/S GMP Guide have now been aligned with principles of Quality Risk Management. Chapter 3 and 5 of the PIC/S GMP Guide have been revised to include requirements to prevent cross-contamination, and the HBEL guidance discuss the requirement for PDEs (aka ADEs) in shared facilities. At first review, these guidance documents appear to almost mirror the EMA's guidance on similar topics.Read more
OEB 5 compounds are active pharmaceutical ingredients that have been assigned to an occupational exposure band (OEB) rating of 5, or the most severe rating in a 5-band occupational exposure banding system. A rating of OEB 5 represents those APIs that may have any of the following properties:
Depending on the company's specific banding system, OEB 5 compounds typically would have numerical occupational exposure limits (OEL) less than 1 μg/m3.Read more
Back in the spring of 1986, I was in Kellyville, OK attending the Dowell-Schlumberger (DS) field engineers training school. I remember it quite well because I was there when the Space Shuttle Challenger exploded and we also got to spin doughnuts with 18-wheel tractor units.
However, besides rooming with a bunch of Texans and picking up a Texan accent in a matter of weeks, one of the important things that I experienced in training school was how to manage roughnecks and how to delegate (BTW - roughnecks could come up with swear words that I couldn't even imagine).
One of our readings and discussions on delegating was about "Who's Got the Monkey?" This was based an article written in 1974 in the Harvard Business Review (HBR), but then republished in 1999. The gist of the article is how employees attempt to put the next move on the back of their managers, so when something gets held up or doesn't turn out right it's the manager's fault and not theirs.Read more
In the field of occupational toxicology for the pharmaceutical industry, it is quite common to see the numerical value for an occupational exposure limit (OEL) or OHC assignment change over the course of product development. New data, longer studies, and more human experience with the compound all have the potential to cause the OEL or OHC to change. In addition, once the product is on the market, there may be adverse events reported that were not observed in the clinical development of the product.
In most cases, as the data gets more comprehensive, the numerical OEL value goes higher in value and the exposure control band assignment goes down (i.e. from an exposure control band 3 to an exposure control band 2); however, while rare, occasionally the numerical OEL will decrease in value such that the OHC goes up (i.e. OHC from 2 to 3). In these cases it is often a challenging risk communication issue for the EHS professional because employees will be asking questions such as "Was I over-exposed?" or "Will I be harmed?" This is where it is important that an environmental, health and safety professional in the pharmaceutical industry have a strong understanding of the underlying concepts and assumptions behind occupational exposure limits. These concepts include the following:Read more
If you're an EHS professional for a multi-facility company, conference calls can be an unfortunate way of life. These calls are often frustrating and seem like a complete waste of precious time; however, there are certain things you can personally do to make them more productive. Here's ten suggestions…Read more
One of the most frequently asked questions that we receive at Affygility Solutions is "Do I need a dedicated facility or equipment for my highly potent active pharmaceutical ingredient?" While this seems like a fairly simply question, the answer is actually quite complex; and, in order to answer this question, someone would need to know a lot more about your specific operation. So, let's walk through the basic thought process on how we would answer this question.
One of the key concepts when making the determination for a dedicated facility, is the concept of risk assessment, and, the first question we would ask you is "What does your risk assessment process say?" As indicated in the EU Guidelines for Good Manufacturing Practice for Medicinal Products for Human and Veterinary Use - Part 1 Chapter 3: Premises and Equipment and shown in Image 1 below, Quality Risk Management principles must be used in making the determination whether a dedicated facility is required.Read more
As we near the end of 2017, it becomes that time of year where we start to think about how we can do better in 2018. From a professional standpoint, often these plans take the form of establishing goals and objectives for the year.
However, just as important as the goals and objectives are for the company, it is equally important that you establish a few personal (and private) goals that will make you a better (and happier) EHS Manager.
Based on over 31 years of professional experience, here are five things, that while they might make you feel uncomfortable, it will go a long way to making you a better, happier, and more effective manager.Read more
Historically, the pharmaceutical space has been widely considered to be "Amazon-proof"—complex healthcare systems, high regulatory hurdles, stringent warehousing requirements, and a complicated billing system are all solid reasons for Amazon (AMZN) to not make the move into such a challenging industry vertical. However, a recent search for the query "Life Sciences" on the amazon.jobs site revealed over 1500 job openings. So clearly, Amazon does have interest in the healthcare and life sciences space.
Amazon is not a stranger to selling pharmaceuticals online. For instance, according to the Japan Times, in April of this year, Amazon announced same-day delivery service for both food and medicine. In addition, Amazon already sells beauty care, personal care products, vitamins, diet supplements, over-the-counter pharmaceuticals, and some medical supplies online. Amazon could easily leverage the above experiences to ease the transition into the prescription pharmaceutical industry.
From a technology standpoint, Prime Now, Alexa Echo and Dot, Dash buttons, and their AI-driven recommendation system are additional leverage points where Amazon could reduce customer friction, lower costs, and increase revenue for the company. You can also expect, due to the large scale that they would be operating, that Amazon would use its innovation expertise to automate as much of the fulfillment process as possible.Read more
Under the Occupational Safety and Health Administration's (OSHA) Respiratory Protection Standard (29 CFR 1910.134), APFs and MUCs are used in the proper selection of respiratory protection equipment for non-IDLH (immediately dangerous to life and health) atmospheres.
Employers must select respirators using Table 1.0: Assigned Protection Factors. They also must consider MUC's before respirator selection. Selection of respirators should be based on the actual airborne contaminant level found in the workplace. Determining the actual airborne contaminant level typically requires industrial hygiene monitoring.
In addition, for the APFs and MUCs to be properly applied, all respirators must be fit-tested and used in accordance with all local and federal regulations. The APF/MUC will not be accurate for employees that are not clean shaven, have hair that interferes with the fit of a tight-fitting respirator, have a poor fitting respirator, or an improperly selected cartridge. Employees wearing tight-fitting respirators with facial hair that interferes with the fit is a common deficiency found during potent compound safety gap assessments.Read more
Here at Affygility Solutions, we often get asked the question, "I'm being told that I need to find out the OELs for all my active pharmaceutical ingredients, but I don't even know why I need them. Can you help?"
So let me explain: Occupational exposure limits (OELs) are defined as the time-weighted average concentration of a contaminant, measured in the employee's breathing zone, that is considered to be safe for the majority of healthy workers, for an eight-hour work shift and a forty-hour work week, and entire working lifetime.
OELs are health-based values that are established by expert toxicologists reviewing existing published, peer-reviewed literature, and scientific databases. In addition, for new chemical entities (NCEs), it may be necessary to review pre-clinical and clinical data to determine the OEL. Based on the currently available information, the expert toxicologists formulate a conclusion on the level of exposure that the average worker can experience without adverse health effects.Read more
We're excited to announce and welcome you, readers, to the newest Affygility (virtual) publication: Potent Comound Corner.
We'll invigorate your mind, help keep you clued in to the latest EHS topics and ideas, and hopefully amuse you once in awhile.
Stay tuned to this space and you can expect to find…Read more
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Friday, February 17, 2012
it's been a while since i've posted! what else is new! i'm a little/very tired of hearing me say that in my head, and typing it out everytime i post something new on my blog.
but seriously, i really need to whip my ass into gear and post more often.
i have creative ADD tho. it's not an excuse or anything, but i'll think of something i want to do, and then get distracted and think of something else... and it's a never ending cycle... that never began. how sad. anyway. if i ever made a new years resolution.. it should be that i should stick to an idea and work at it.
here's martin sokol, paul watling and sam bradley. a coupla cool dudes i work with. :)
have a SPECTACULAR and CHILLED OUT LONG WEEKENDS FRIENDS!
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The March ASPects is available now, for ASP members. This month's articles cover productivity, social media marketing, and writing skills for mISVs
Welcome, Educational Software Cooperative Members!
by Gianfranco Berardi
Members of the Educational Software Cooperative, a non-profit trade association dedicated to the educational software ecosystem, recently voted at a special meeting to dissolve the organization. As part of the decision, they also voted to provide all ESC members with one-year memberships in the ASP… (page 1)
How Important Is the ASP to You?
by Gianfranco Berardi
When you became an ASP member, you joined for 52 weeks worth of access to the discussion groups with like-minded business owners, developers, and publishers. You signed up for12 months worth of access to ASPects, exclusive discounts and offerings, and a number of other benefits, all of which are available to you for less than $2 per week. But do you get the most out of your membership? (page 1)
Trade Show Calendar
ISVCon, September 27-29, 2013 (page 2)
Increasing Your Personal Productivity as a mISV
by Jiri Novotny
If you run a business, there is a direct correlation between your productivity and the success of your business. I define productivity as creating valuable output, which grows your business. And since "valuable output" is always a subjective thing, the value is ultimately decided by your customers. Your effort is either valuable to them and they give you money, or it is not–and they won't… (page 4)
Book Review: The Social Media Marketing Book
by Gianfranco Berardi
While I am on Twitter (@GBGames), Facebook, and Google+, and use these accounts regularly, I could stand to figure out how to better leverage these services to grow an audience and sell more. I find that no matter how well versed you might be with a particular tool, it's entirely possible you are muddling through using some aspect of it. You could always learn about better and more effective ways to use it. So when I saw The Social Media Marketing Book by Dan Zarrella on a bookshelf, I picked it up. (page 6)
Writers: Know Your Audience
by Al Harberg
"Write as though you were addressing someone whose opinion you value," said Patricia T. O'Conner in her book Words Fail Me – What Everyone Who Writes Should Know About Writing. O'Conner urges writers to know the people whom we want to read their sales presentation. Identify your audience. Determine the correct vocabulary, tone, sentence structure, and imagery that you'll need to use to communicate effectively with your audience. Learn their level of sophistication, their likes and dislikes, and their demographic and psychographic attributes. (page 7)
ISVCon 2013: Call for Speakers
(page 9)
PAD 4 Frequently-Asked Questions, Part II
(page 10)
News & Press Corner
HS Launches National Initiative for Cybersecurity Careers and Studies (page 11)
ASP Member News
Why Rent a Cloud Server When You Can Own One? (page 11)
Healthy Computing with Stretch Break Ergonomic Software (page 11)


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The Voice Australia
Delta has been a coach on The Voice Australia for seven seasons. She is the reigning winning coach for back-to-back seasons and winning coach for The Voice Kids. She will return as a coach for the 2018 season. Delta has starred as coach alongside Keith Urban, Ricky Martin, Jessie J, Seal, Joel & Benji Madden, Ronan Keating, Kelly Rowland, Boy George and Joe Jonas.


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I was a newly-minted university graduate…
Ready to take on the world and get a place of my own.
I had high hopes of finding somewhere that hit ALL of my criteria for a place to live, including the following:
- Walking distance to my new job in a central, trendy neighbourhood
- Within a five minute walk of groceries, Starbucks, restaurants and a major transit station
- Close enough to everything that I wouldn't need a car
- Big enough to fit my queen-sized bed, dresser and a desk
Seems reasonable, right?
Here's the kicker: my budget was $500. Tops.
So I set out to Kijiji with my must-haves in hand. Apartment hunting can seem like the world is your oyster… until you skim past the price on that dream listing a block away from work with the granite countertops.
Hello dreams, prepared for a crushing trip back to reality.
Against all odds - seriously, all of them - I found an apartment that fit all of my criteria, gave me the lifestyle I had been hoping for, and helped me stick to my new grad budget. So I know what I'm talking about when I say it's possible to find a rental that fits both your lifestyle and your budget.
To get the same results, you'll need to look at 3 main factors before you sign on the dotted line.
Each one will have a few different factors that will influence your dream-apartment wishlist, so let's get started!
Step 1. Location, Location, Location
First things first…
Where do you want to live?
That seems like an easy question, and while it can be, there are a lot of factors to take into account. The two main questions you'll want to look at are...
- How much of a commute are you willing to tolerate to your job?
- Where else do you go on a regular, non-negotiable basis?
I put job first, because as much as I'd love to organize my life around my dog's favourite dog park, it's not exactly a pleasant commute to and from the office every day. Sadly for the puppers, I prioritized a shorter daily commute in exchange for longer travel time. And every time it takes me ten minutes to get to work, I'm happy I did.
Don't Forget Transportation
Outside of your rent, one of your biggest budget line items is going to be transportation - especially if that transportation happens to be a car.
If you're on a strict budget, "How am I going to get from point A to point B most of the time?" needs to be on your rental-research checklist.
If you can find a place that will let you manage almost all of your transportation on foot or on public transportation, you'll be able to stretch your budget much further than if you need a car.
Public transportation, plus the occasional Uber (I'm NOT the budget police, you can still totally take Uber) likely won't run you more than $200 a month. Whereas in some places, that might be the cost of your car insurance alone.
One Key Question: Where Am I Going to Find Food?
Now that you've got your location situation figured out, and you know how you're going to be getting around on a regular basis…
It's time to scope out the food options in your rental radius.
If you've decided a car is in the cards, you can look as far as Costco and big-box stores, but if you're a dedicated walker, you'll want to evaluate every rental based on the proximity of your number-one errand:
Sure, there are other necessities you'll need, like cleaning supplies, pharmacy items and a really good takeout place…
But if you can't get to and from a grocery store easily - whatever the easily-bar is for you - you're going to start HATE eating FAST.
And no one wants to hate eating.
What Does Everyone Else Think?
Now, depending on your situation in life, you might have to consider a whole range of other living beings as part of your apartment hunt.
And you might be thinking this is the classic "roommates or no roommates?" question. But since renting can be a good choice for a whole bunch of different family setups, the other-humans question goes so far beyond that. For example...
If you have a partner, are they moving with you? If not, how much do you need to consider travel time to their place as part of your frequently-visited destinations?
If you've got a whole family in tow, they'll have their own needs, requirements and preferences going into this whole process. You'll want to get those on the table sooner rather than later, and take things like school districts, any other jobs held in the household and family activities into consideration.
Step 2. The Amenities
Remember way back when, in the introduction, where I told you that I found this perfect apartment, in this trendy neighbourhood, that was walkable to everything including work?
Well, I left out a crucial piece of information.
Sure, this apartment had all of my must-haves… but that's all it had.
It was a true student special - with creaky, cracked, slanted floors, a stove with only two working burners out of four, and not a single wall that wasn't painted the most depressing shade of olive green you've ever seen in your life.
When you're heading into a rental search, you need to be very clear on what - beyond location - is going to make or break your experience living somewhere.
What's On Your Must-Have List?
If you're a hardcore baker, a functional oven might be high up on your list.
Or maybe if you're a pet owner, a rental that accepts your furry friends would make it onto your must-have list.
However, when adding something as a must-have, make sure you really, truly mean it's a must-have.
A good way to make sure is to ask yourself the following.
"If I found an apartment that had everything else on my list, but didn't have this one thing, would I walk away?"
If the answer is YES, the apartment could be perfect but you'd give it up without this one key item, then keep it on your must-have list.
What Are You Willing to Give Up?
Your true must-have list might be short, but it's perfectly acceptable. And entirely unavoidable to have a nice-to-have list as well.
This might be anything from on-site laundry, to all-inclusive rent, to a nice kitchen, and it's likely the stuff that, added together, constitutes your dream rental.
That said, maintaining a clear line between a must-have and a nice-to-have is going to be key. Especially when you add in the final non-negotiable item to your list…
Your rental budget.
Related: How To Save Money on Moving Expenses
Step 3. Your Budget
This is the real kicker.
Because while most of your location and amenities dreams could be adjusted when the rubber hits the road…
Your budget is going to be the one guiding light you have in finding a rental that's realistic for your life.
A key rule of thumb is to spend no more than 30% of your income on your housing situation.
So if you're renting, that means that your total housing budget should only ever represent 30% of your paycheque.
You can get an even better idea of how housing costs will work with the rest of your budget...
Download the HowToSaveMoney budget tracking spreadsheet. It'll take you beyond that 30% rule and let you check in on how much you can comfortably afford in real life.
If you're renting, whatever your total housing budget is needs to cover a few main things:
- rent (obviously),
- any utilities you need to pay for,
- and renter's insurance.
Make sure to actually take the last two into consideration before you get stars in your eyes over a rental that would eat your whole budget in rent payments alone.
And speaking from experience, being strict with yourself on price during your rental search will pay off every single month that you live there, when you have money to do things like explore your new neighbourhood, and buy things you like to eat at that nearby grocery store.
What About You?
Got some rental tips? Share them in the comments below.
Disclosure: Some links in this article may be affiliate links. We're letting you know because it's the right thing to do. Here's a more detailed disclosure on how HTS makes money.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity.
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This apt. is either 1/3 of a basement, next to a prison, outside of Canada, or the landlord has spy cams all over the place.
LMAO ;-) I will bet that the year, what shape the place is in and location has a lot to do with it It was about 6 years ago but my daughter was looking for a place near down town Toronto for $600/ month. She did find one, the neighbor hood was OK . it was in a basement, amounted to one room including kitchen area and a small bathroom, it was definitely NOT pretty and the people renting it and living upstairs were OK. It was safe, served her purpose and budget.
My first apartment was a 1 bedroom in a smaller city. It had a green bathroom that looked like it was straight out of the 80s. The location wasn't amazing but it was still closer to the central part of city than many because there is a lot of sprawl in maritime cities.
I paid $400/mth when I first got the place including heat. I've always preferred a newer look and feel but making that choice early in my adult life certainly helped me save a lot of money.
Hello Stephen,
I enjoy reading all your articles. My spouse and I rent a 1 nice (although not new) 1 bed room apartment near the University area in our city. We pay 950 dollars and have everyhing mentinoed in this article. Also, the wallls are clean and we have a fully functional stove and oven. For now, we enjoy being renters in a trendy part of our city!
Sounds like you found the right place for you Anita. This article was written by Desirae, one of our other writers, but I'm glad to hear that other renters are following a similar process and getting good results.
Come to greater Victoria BC where vacancy rate is .01%. Even with a good job, the rental costs are outrageous due to huge amount of "renovictions" and lack of any kind of affordable housing. Illegal suiteas run the gambit here with building code/bylaw/safety infractions but unless there is a written complaint received by the municipalities, they continue to turn a blind eye to these known suites, regardless.
The suite ive lived in for the past 4 years has been run illegally as ive just found out courtesy of an eviction notice received. I had absolutely no idea! Apparently a prospwctive tenant needs to find out if a suite is legal by asking for a copy of an OCCUPANCY PERMIT issued by the mu ncipality....thia provws that the suite is legal, up meets vuilding codes & bylaws. Did anyone else know, as a potential renter, to ask for this?????!!!!!
In the meantime, 8 tenants with pets are being turfed out of this side-by-side duplex that was split into 4 suites over 20 years ago (according to longtime neighbours on my street) as of March 31st 2017.
Who loses? It aint the Landlord or the Mu icipality...its the tenants. Im disgusted and very worried as to where im gonna find a decent affordable LEGAL suite here in the Victoria , BC area.


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fonts & related stuff
sixpack medium a Unicode font, for developers of globalised code
2011 Dec 17 sees the addition of polytonic Greek, filling a rather large gap in 20th and 21st century usage, some more symbols and some unfinished stuff on English Phonological Alphabets in the PUA. The last eighteen months have seen a rather remarkable succession of hardware and software failures, so it seemed prudent to make this unfinished work available while everything is in working order.
the new version (ver 1.005, 2010 May 07) incorporates a few more glyphs, plus SIL PUA 5.2 , which gives those of you working with minority languages a couple of dozen new characters, plus a host of duplicate codepoints which should not be used for new work
download sixpack_medium.ttf (1,094 kB)
download sixpack_medium.zip (450 kB)
notes on sixpack_medium.ttf May 2009 (unfinished)
shapes comments on Unicode Technical Report 25
Shapes I Jan 2006
Shapes II Feb 2008
slightly_small_(revised) Jan 2012
size_9_centered Jan 2012
N4115_an_alternative_encoding Jan 2012
SImPL a TTF font, tailored for the display of APL code
download SImPL.ttf (471 kB)
download SImPL.zip (198 kB)
APL fonts are different Jun 2010
bouquets and brickbats,
comments and requests,
offers of work
proposals of marriage,
please email →
as a first level of defence against address harvesters,
please type the email address into the software of your choice
one day, this will be replaced by something more exciting,
but there are rather more important things to do first


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Hunting Guide Service
K & G Fishing Resort & LodgingK & G Fishing Resort & Lodging
Biographical Info
You will be greeted with warm and hearty hellos, our guarantee is that we are totally focused on assuring your stay is a memorable one. Whether you are looking for a relaxing vacation or the fishing adventure of a life time, K&G Lodge should be your final destination.
One of the most premiere fishing destinations in the world. K&G was founded in 1984 and is completely family owned and operated. It was built to what it is today around the world class fishing on Lake Ontario. With only a quick 5 minute drive to the center of town it sits close enough to any activity Oswego has to offer but once you arrive on the property you're totally secluded in the privacy of woods and picturesque landscaping. Upon arriving at K&G Lodge you are warmly greeted by Kris and staff in the main office. Here, you may purchase NYS Fishing licenses and LOC Derby tickets.
Camping open April – Nov. Lodge open year round. 70 sites all with electricity and sewer, showers, restrooms. Two Bedroom Housekeeping Cabin, Hotel style Lodge Rooms,Handicap Accessible, Pets Allowed, Pool Outside, Private Bath, Cabin Rentals, Fishing, Laundry.
Hunting Preserves
Outdoor Sports Shops
Sport Associations & Clubs
View Sport Associations & Clubs »
Hunting Dogs: Breeding & Training
View Hunting Dogs: Breeding & Training »


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BRANSIST safire VF17 was developed for optimal support of interventional procedures with excellent visibility of fine blood vessels and devices over the entire field of view range.
Shimadzu's direct-conversion FPDs and advanced image processor SUREengine provide clear images for optimum visibility during PCI procedures. Multiprocessors allow for dynamic reference imaging for PCI support. Slender C-arms, together with an ultra-compact design, ensure easy bi-plane positioning


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Monday, October 21st 2013
American Academy of Pediatrics Study Unwittingly Validates "Four Pillars of Safe Breastmilk Sharing"
Maria Armstrong and Shell Walker
***Eats on Feets is referenced this week in a study published by the American Academy of Pediatrics (AAP) entitled "Microbial Contamination of Human Milk Purchased Via the Internet". The authors purchased milk from two websites which sell breastmilk to explore the potential for contamination. Results showed of the 101 purchased samples from the internet and shipped in various ways and distances, compared to 20 rejected milk bank samples, two classes of bacteria had statistically higher growth. The viral content was not significant. The following is an elaboration on the response requested by media outlets.***
Eats On Feets is uniquely dedicated to safe, ethical, and informed breastmilk sharing between families. Eats On Feets also fervently opposes the selling of breastmilk. It is our firm belief that the selling and buying of breastmilk carries undue medical and ethical risks.
In order to provide the breastmilk sharing community with current research and information, Eats On Feets created and maintains the "Resource for Informed Breastmilk Sharing" and "The Four Pillars of Safe Breast Milk Sharing." We consider the latter to be fundamental for all individuals and entities involved in the safe use of donor milk. These resources are under regular scrutiny from members of the medical and research community, and concerns are immediately addressed (and welcomed!) to ensure the accuracy of this resource. The AAP's publication validated the Resource and Four Pillars, while providing opportunity to clarify the third pillar, "Safe Handling," to more precisely impart the need for the cleaning of equipment and the use of impeccable shipping methods.
Three important notes should be made about this study: 1) The authors specifically excluded potential donors attempting to engage in informed practices, such as "Know Thy Source", to avoid seeking approval of their study by an ethics committee. 2) The authors themselves state that the presence of bacteria is not predictive of infant health risk. Only two of the four screened microbial groups were statistically significantly higher than samples obtained from a milk bank (because their pre-screened donors had failed their own quality measures). Specific pathogenic species were not isolated, making the results rather ambiguous. 3) When necessary, proper home pasteurization is, contrary to the authors' assertions, possible in most homes in the United States by Holder method on stove-top or by single bottle pasteurizer.
The methodology, analysis, context, and ethics of this study are questionable. The study attempts to implicate all non-milk bank use of donor milk. In fact, it only addresses the use of donor milk obtained in a deceitful and unethical manner on behalf of the recipient (the researchers), and shoddy methods (the donors). These practices do not apply to the breastmilk sharing community.
Eats On Feets remains committed to the altruistic sharing of breastmilk between families, and asserts that it can be done safely and ethically. Until the Human Milk Banking Association of North America, the AAP, and social policy makers are willing to commit to practical and feasible means of meeting the needs of their communities, there will remain a need for community based milk sharing. Eats On Feets will continue to do its part in contributing to safety through reasoned and ethical research, distribution of educational materials, and advocacy.
The AAP Article detailing the study can be found here: Microbial Contamination of Human Milk Purchased Via the Internet
Q: Are you worried about safety?
A: Of course we are concerned about safety! Which is exactly why we created the Four Pillars of Safe Breast Milk Sharing. And, if like was practiced in this study, we would also be concerned if babies were being fed cow's milk that was shipped across the country, in unstable conditions, and left sitting thawed in a P.O box.
Q: But how do you know that families are doing this safely?
A: Doing what safely? Sharing breast milk? Humans have been sharing breast milk since the beginning of time. This study does not address milk sharing, it addresses milk selling. Milk selling increases the risks of using donor milk. If someone is attempting to make money by selling breast milk, how do we even know that what they are selling is actually 100% breast milk? How do the researchers of this study even know if what they bought was 100% breast milk? It certainly wouldn't be the first time that someone tried to increase profits by diluting their product. And if the milk was diluted with something else, like cows milk or formula, how would that skew the findings?
We frequently poll the users of our network, we constantly provide them with updated guidelines and information. The consistent feedback and analysis of the polls is that breast milk sharing is happening safely. We cannot say the same for breast milk selling and purchasing, which is why we do not allow the selling of breast milk through our network.
Q: What do you think about this study?
A: We have a lot of thoughts about this study. We are wondering if anybody has looked into where the money for this study came from and if the funder collaborated with Grant Medical Center to initiate the use of donor milk and the formation of the Mother's Milk Bank of Ohio. If the answer is "yes" we wonder if there should be some red flags raised. We are also wondering if any of the researchers who designed this study are also associated with the milk banks.
Q: What are your concerns about this study?
A: We are concerned that the research seems to have been funded by one of the founders of the Ohio Milk Bank and that the methods of the study are questionable and that the actual conclusion of the study does not match the sensational title of the article. We are concerned that this study is purposefully intended to attack safe community based breast milk sharing.
Q: Who regulates breast milk sharing?
A: Since breast milk is considered to be essentially safe, neither milk banks nor individuals are regulated by the government.
Q: What about sick babies? Are you concerned that some of this milk will go to them?
A: Sick babies really need access to free breast milk! We encourage all users of donor milk to follow the Four Pillars of Safe Breast Milk Sharing. This may be why there have been zero reports of negative outcomes from milk shared on our network.
Q: What do you think about this report?
A: Though it is clear that the report does not apply to normal community based milk sharing we think that it proves the importance of our Four Pillars of Safe Breast Milk Sharing.
Q: How do you think this will impact milk sharing?
A: Except for the fact that we will even more emphatically caution against the selling of breast milk and continue to endorse the Four Pillars of Safe Breastmilk Sharing, it will be milk matching as usual.
Q: Are you worried that they found bacteria in the breast milk?
A: It is normal and even beneficial for bacteria to be in breast milk. By following the Four Pillars of Safe Breast Milk Sharing, parents can ensure that it stays at acceptable levels.
About Eats On Feets
Eats On Feets is uniquely dedicated to safe and ethical breast milk sharing. By designing the original working model for running a Facebook based milk sharing network, authoring original documents and making accessible extensive research, they have influenced milk sharing policy and have become known as the go-to organization for information regarding the safety and mechanisms of breast milk sharing. Their network has facilitated the sharing of tens of thousands of ounces of donor breast milk with zero negative outcomes.
To learn more about the latest breast milk controversy, please contact
Eats On Feets Global Breast Milk Sharing Network
Shell (Walker) Luttrell 602-242-4446
Maria Armstrong 503-804-5640
Website: http://www.eatsonfeets.org
forum: http://www.facebook.com/EatsOnFeetsHome
email: firstname.lastname@example.com
**To find a local administrator from your community to speak with, find your local EOF page**