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US need independent Energy & Environment agency-like the Fed
As Congress attempts to establish viable energy and environmental laws, it is clear that the political fights have diluted the potential final bill to nearly nothing.
The approved House bill and the potential Senate Kerry- Lieberman bills, after consolidation, would do nearly nothing to slow down US contributions to global warming. The price of carbon would barely make impact on energy use, the potential cuts in GHG are insignificant, some 4% from the 1990 level by 2020, while 30% is needed as a minimum. Read: Kerry - Lieberman bill is a sham.
The Federal Reserve System was created a century ago in response to a series of financial crises and its duties expanded noticeably during the Great Depression.
It was clear a century ago that Congress was unable to respond effectively to varying financial situations that require both immediate response and also long range planning. Congress can not do that.
Energy is the blood life of any modern society, and the global environment is in the midst of rapid deterioration. Members of Congress are subjected to a variety of acute pressures that do not allow them to grasp the complexity of the energy and environment dilemmas and also to develop adequate laws to prevent further deterioration.
We must take these issues away from Congress and create a new FED-like system for energy and environment away as possible from the political constrains. An independent agency that can deal both the immediate crises and set national long term directions.
The standard response would be: you can not get Congress to agree on even very mild energy/environment bills, how would it be possible to create this new agency? After all, Congress has to create this new agency.
I hope there is enough love for the country and the survival of humanity in the heart of most members of Congress that would drive members of both parties to get rid of this political hot potato and give it to a responsible Federal agency.
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subset: commoncrawl


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Tue, 02/10/2018 - 14:13
Banks Mill artists Lor Bird, Sara Brighty and John McDonald collabrate to bring you Inspired Reflections, an art exhibition showing at DEDA, Derby from 8 Nov - 12 Jan 2019
Broken… Broke… Cry… Goodbye. Lie, Lay, Laid.
Beautiful Burdens is a collaboration…
…whispered by the strokes of a brush, in the colour of memories… Shaped by emotion.
A room with many views, by a trio without choice, and Art as a voice.
Work steeped in darker moments…
Established Derbyshire artists Lor Bird, Sara Brighty and John McDonald embark on a journey exploring each artist's personal reflections of their lived experience, and what inspires their art.
Why do we do what we do?
Holding up a mirror to life, this intriguing trio take the (highly unusual) step of asking questions of creativity by making new art: observing and exploring each other.
The answer is an exhibition which is diverse and beautiful, with work ranging from large statement paintings, to small works of exquisite delicacy. Déda visitors are also invited to find their own answers, through participation in Life Drawing and Portrait workshops.
Join the artists for a vibrant launch on Thursday 8th November, with live music, a celebration of creativity, and the unveiling of brand new commissioned works.
Lor Bird, a sensuous and sensitive colourist, is known for her glowing landscapes, both figurative and semi-abstract, as well as resonant still life work. We look forward to seeing how this award-winning painter translates her expressive and subconscious responses to her environment, into portraiture.
Sara Brighty's work ranges from ink drawing and painting to sculpture, performance and film, but always with a physicality which imbues forms with emotions. Sara, who has worked with Anthony Gormley, is an artist both poetic and visceral, for whom bodies and objects are inseparable from meaning.
John McDonald, who paints with unashamed passion and pathos, has received international acclaim for Butterfly Cry, a series of portraits of Frida Kahlo. John's background in theatre is evident in his ambitious installation, and paintings where a staged scene is set, and a dramatis personae is created.
Inspired Reflections explores some of the hidden or intuitive aspects of an artist's work, and hopes to shine a light on what can inspire an artist to be creative.


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Mashed parsnips are a delicious accompaniment to a roast dinner, whether at Christmas time or any other time of year. My recipe for creamy mashed parsnips is suitable for vegans and is so moreish.
Are you a fan of parsnips? They're one of my favourite vegetables – and they have been since I was a kid. None of my kids will even try parsnips but I don't really mind that much – all the more for me! I love the flavour of them and enjoy them roasted with carrots or turnips as much as mashed.
Parsnips are also a great ingredient in a nut roast, a korma or in savoury cakes.
How to prepare parsnips
Parsnips are on the whole quite easy to prepare. What you need to do will depend on the size of your parsnips. If you're using tiny baby parsnips you really don't need to do much to them at all – they can even be roasted and eaten whole without being peeled. If you're using them to make this mashed parsnips recipe though it's best to peel them first.
Larger parsnips have quite a thick, woody core, which won't go soft enough to mash. If your parsnips are on the large size you'll need to peel them, then chop down the length of the parsnip, cutting out the core. You're then ready to boil or steam your parsnips and follow the recipe below.
How to use mashed parsnips
I like to eat mashed parsnips as a side dish with a vegan roast dinner. They'd be great as part of a vegan Christmas dinner perhaps alongside my vegan wellington. You can also enjoy them with sausages and green vegetables – and lots of vegan gravy.
It would also be lovely on top of a lentil shepherd's pie for a change.
How to make creamy mashed parsnips
It really is as easy as peeling and chopping, boiling or steaming and then mashing your parsnips. There's not much more to it so there's absolutely no reason not to make these as soon as possible.
Creamy vegan mashed parsnips
- 750 g parsnip peeled and cored if big. Chop and place in a pot of water. Bring to the boil and boil until soft
- 50 ml milk I used almond
- 2 tbsp dairy free butter
- 1 tsp dried thyme
- Pinch nutmeg
- Salt and pepper
- Peel your parsnips. If they are large you will need to cut out the thick woody core - this isn't necessary for young or baby parsnips. Chop into bite sized pieces and place in a pan of water.
- Bring to the boil and cook until soft.
- Drain well and return to the pan. Add the milk, the butter, the thyme and nutmeg. Mash well until smooth.
- Taste and season with salt and pepper.
Pin creamy vegan mashed potatoes for later
If you like this you might like my homemade mint sauce.


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More Reason for Fannie Mae and Freddie Mac Shareholders to Be Afraid
fool.com | February 16, 2014
By Patrick Morris
Fannie Mae (NASDAQOTCBB: FNMA ) and Freddie Mac (NASDAQOTCBB: FMCC ) have seen their stock prices rise by almost 950% over the last year -- but recent congressional action reveals the future may not be so bright.
More potential overhaul
Press wires have been abuzz lately about the possible action from the Senate Banking Committee to introduce a bill in the coming weeks that would bring overhaul to the mortgage financing industry and overhaul the current system entirely.
The chairman and ranking members of the committee, Tim Johnson (D-SD) and Mike Crapo (R-ID), respectively, issued a rare joint statement last week that noted; "With the hearing and information-gathering stage behind us, our hard work continues as we dive deep into the drafting and negotiating phase of Housing Finance Reform. Our goal from the start has been to produce the strongest bipartisan bill possible -- a bill that will strengthen the housing finance system while ensuring a level playing field for all lenders and access to credit for all creditworthy homebuyers, no matter where they live."
There was no guidance on what the bill will entail, but many have speculated it will draw on the Corker-Warner bill, which has called for the winding down of Fannie Mae and Freddie Mac within the next five years and would ultimately provide the common shareholders of the two government sponsored entities with little to nothing in return.
The statement from Johnson and Crapo noted this was the "top priority," for the committee and affirmed it was also a priority for President Obama, who called for "legislation that protects taxpayers from footing the bill for a housing crisis ever again, and keeps the dream of homeownership alive for future generations," in his State of the Union address.
Why it matters
Fannie and Freddie shareholders need to be concerned because this would be the second major bill from the Senate proposing significant change to the underlying structure of the housing market, with the role of the two GSEs being a central focus.
Already, Fannie Mae and Freddie Mac operate with a total disregard for common shareholders by returning all profits to the U.S. Treasury, the two paid back dividends totaling $39 billion in December alone. Fannie Mae also said simply in its annual report, "we are no longer managed with a strategy to maximize shareholder returns," and "every dollar of earnings that Fannie Mae and Freddie Mac generate will be used to benefit taxpayers for their investment in those firms."
With two Congressional bills that cross party lines, the support of the United States president, the director of the body that controls Fannie and Freddie, and even the companies themselves all aligned to ensure the companies don't operate in the interest of shareholders, but instead of U.S. taxpayers, with total overhaul as the ultimate aim, common shareholders of Fannie and Freddie have every reason to be concerned the days of wild speculation and surging stock prices are over.
There's a huge difference between a good stock and a stock that can make you rich. The Motley Fool's chief investment officer has selected his No. 1 stock for 2014, and it's one of those stocks that could make you rich. You can find out which stock it is in the special free report "The Motley Fool's Top Stock for 2014." Just click here to access the report and find out the name of this under-the-radar company.
Back to February 2014 Archive
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William Pickering - Publisher
London: William Pickering, 1852.
First Edition. Printed by John Childs and Sons, Bungay. [ii], xvi, CXLV, [1] pp. 1 vols. Square 8vo. William Pickering - Publisher. Original green cloth; front cover blistered; else very good. With the bookplate of Willis Vickery. Prideax pp. 4-5. Item #4748
First edition of the author's second book. On the front free endpaper, in an unknown hand, is written: "The Editor of The John Bull.".
Price: $250.00 Free Domestic Delivery


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We accept online payment in a secure environment with Visa, Mastercard, American Express credit cards and PayPal.
The Joules online store uses encryption technology (SSL) that establishes an encrypted link between a web server and a browser. This link ensures that all data passed between the web server and browsers remains private. Your browser will show this protection by displaying a padlock or green url depending upon browser.
Once you have confirmed your order and it has been accepted payment is taken, this applies for pre-ordered purchases too.
To protect cardholders, your bank may request that you are screened using 3D Secure (MasterCard SecureCode and Verified by Visa) and by an independent fraud prevention service. We may contact you for additional security purposes should we deem this necessary.
Where have my saved payment methods gone?
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Copyright year: 2005Publisher: Columbia University PressPublication date: 5/18/2005Binding: HardcoverPages: 280Size: 6.25" wide x 9.25" long x 0.75" tall Weight: 1.100Language: English
Mia Bloom is an assistant professor of International Affairs at the University of Georgia in Athens. She is a term member of the Council on Foreign Relations and member of the Council of World Affairs. She has published numerous articles on war, terrorism, and ethnic conflict, and her research investigates atrocities across several regions, contrasting the Middle East with South Asia, Europe, and Africa. She lives in Atlanta, Georgia, and Crail, Scotland.
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Tye Darland | Executive Profile | ATLANTA TREND
The Value of Work
By Robert Green
"I truly believe in the value of work and I learned it at an early age," says Tye Darland, General Counsel of Georgia-Pacific. "I remember helping my mother do inventory at her clothing store every New Year's Day. She couldn't afford to be closed on a regular work day but it helped me to see that in business, as in life, there are often things that you just have to do."
Tye Darland was born in Omaha, Nebraska, and grew up in Charles City, Iowa, a small town of 10,000 in the northeast corner of the state. "It was a small, safe town and everybody knew each other. This was sometimes annoying as a kid, but it was a great upbringing," he says. Darland's father worked as a civil engineer while his mother ran the clothing store. He credits working with his mother with teaching him the most about business. "There is nothing like working in a small business to help a young person learn how free enterprise works – every aspect of big business is in reach. You can't help but get a personal primer on sales, marketing, accounting, customer service, and everything else required by business in general." Darland's father was also involved in his early business education. "I had contracted to remove snow for all the stores on Main Street, but this meant getting up early to shovel. My father got up every winter morning at 4:00 a.m. to take me into town so that I could work. He sat in the car and never got out to help me even once. Now, there were plenty of times when it probably would have been more convenient for him if the snow was removed faster, but he didn't budge – the job was my responsibility and I had to do it."
It wasn't all work for Darland as he took time for the wrestling team in junior high school and on the debate team all four years at Charles City High School. "Debate transformed me," he says. "It really taught me to think on my feet. We also had an excellent team and finished 2nd and 3rd in the entire state over consecutive years. Considering that we were the smallest school in the state with a debate team, this was pretty good." Darland also worked as the manager of the local Dairy Queen while in high school, responsible for all aspects of the concern. "I got fired once for a foolish prank, but was hired back because the owner knew that I was totally trustworthy not just in managing the store, but also in faithfully depositing every nickel that we made."
After high school, Darland went to the University of Iowa and married his high school classmate while an undergraduate. He majored in accounting and sat for the CPA exam, but ultimately decided to go to law school, also at Iowa. "Law school was scary," he said. "A lot of smart people didn't make it, but I did well, fortunately. The main criticism that I received from my professors was that I should speak up more in class." Darland indeed did well, serving as Managing Editor of The Journal of Corporation Law and making Order of the Coif, which is reserved for those graduating in the top ten percent of their class. Then came the recruiting process, of which Darland says he didn't have a clue. "I decided to concentrate on Minneapolis and St. Louis and had 17 or 18 interviews, but at the time I simply had no context for dealing with 'big city' people, so I was a little intimidated," he says.
Ultimately, Darland decided to work for Morrison Hecker in Kansas City because 40% of their partners were from Iowa – he felt that he would feel more at home there. In four years at the firm, he worked on a number of important cases but says the most exciting work he did was to help figure out exactly what went on in Charles Keating's failed Lincoln Savings & Loan. "I spent a lot of time in Phoenix," he says, "and kept analyzing the documents until I could see the patterns of fraud in their many transactions." His other work included a number of merger deals and real estate work. He felt that he was lucky to learn a lot from several mentor attorneys and enjoyed working as a corporate attorney.
In early 1993, Darland received a call to come and interview for a legal position at Koch Industries. Deciding to take the interview, the first question that he was asked was "why do you want to be a litigator?" Being a corporate attorney, Darland naturally said that he didn't want to be a litigator. The interview went forward anyway, with a discussion focused mainly on values and beliefs. Surprisingly to Darland, he was called the next day and asked to join the company. "I was shocked, but they said that they saw me as a good fit for character and values. They asked me to do litigation work for three or four months and said that they would later move me to corporate. I accepted." The interview process was the beginning of Darland understanding the Koch culture where people with the right values, skills and capabilities are hired, retained and developed – a culture that has served the company well. Today, Koch Industries is one of the largest private companies in the U.S. with annual revenues of over $115 billion.
Darland joined Koch and was put on their capital projects team after three months. After three years, he was placed in charge of a team working primarily on merger deals, many of which were valued in the range of $300 to 400 million. "I worked hard and traveled a lot," he says, "and went to New York City for the first time on one deal. I was still an awestruck mid-western boy and remember calling my father to say 'guess what – I'm in New York City!'" His movement up the ranks of the company was governed by three main factors. "Always work hard, always tell the truth and never turn down a project no matter how bad or how hard it is," he says. Darland became co-General Counsel of all of Koch Industries in 2003 at which time the company started looking at the acquisition of a large company in Atlanta called Georgia-Pacific.
Because he led the deal team for the purchase of Georgia-Pacific, Darland became very familiar with the company and in December of 2005, right after closing, became the General Counsel of Georgia-Pacific. He was 41 years old.
Change comes hard to any organization but some people – and companies – do it better than others. The legal team at Georgia-Pacific had 50 attorneys when Darland became General Counsel in 2005. "I could sense the team was concerned that the legal department would be cut so the first thing I told them was that, if anything, the team would grow." He has 60 lawyers on staff today and 9 of the first ten hires were female attorneys. Next, Darland moved his office from the "executive palace," as he calls it, on the 50th floor and into an office on the same floor with the rest of the attorneys. These moves seemed normal to Darland but were also part of the Koch way of doing things. "I just naturally fit into the MarketBased Management® philosophy of Koch – we are all part of a team and you live and work with integrity," he says.
Darland and his family moved permanently to Atlanta along with the families of 6 or 7 other Koch employees, which helped make the transition easier. "We love Atlanta," he says, "and quickly came to understand that Atlanta is a city where people just naturally immerse themselves in the community. While I love that aspect of the city, time can sometimes be a challenge." Obviously, work comes first and there were a number of challenges to meet in transitioning Georgia-Pacific to a Koch-owned company.
Darland recalls, "On the day we closed the purchase of Georgia-Pacific, Charles Koch asked me what I thought our number one issue would be. Without hesitation, I told him that it was culture, that Georgia-Pacific had a command and control culture instead of a team culture. So, we did a couple of things right away to change that." On day one of Koch management, the necessity of men having to wear coats and ties in order to meet with management on the top floor was eliminated. Also on that first day, they closed the dining room exclusively used by senior executives. "In Wichita, Charles Koch goes through a line just like everybody else and pays for his own meals. We can certainly pay for our own meals," Darland says. These moves signaled big changes - and not everyone wanted change. Some people left almost immediately and Darland felt that most who left did so for one of three reasons; first, Georgia-Pacific was now part of a private company and some people wanted to work for a public company; second, the sense of urgency and responsibility that would now be placed on each employee was frightening to some; and third, incentive-based pay was hard for some people to grapple with.
"The alignment of incentives to value produced was a shock, at first," he says. "Many people were used to pay based on the position or title held but, under Koch's management philosophy, you are paid by the value you bring to the firm. That's quite a change for people who have been used to step and level increases. Our goal is always to incent people to be productive and engaged."
The Market Based Management® philosophy of Koch Industries, into which Darland fit so naturally, is applied through these dimensions: 1) Vision: determining where and how the organization can create the greatest long-term value. 2) Virtue and Talents: helping ensure that people with the right values, skills and capabilities are hired, retained and developed. 3) Knowledge Processes: creating, acquiring, sharing and applying relevant knowledge, and measuring and tracking profitability. 4) Decision Rights: ensuring the right people are in the right roles with the right authority to make decisions and holding them accountable. 5) Incentives: rewarding people according to the value they create for the organization.
The success that Koch Industries has enjoyed over decades by using this philosophy speaks for itself – and Georgia-Pacific has certainly benefited. Today's Georgia-Pacific is financially stronger and healthier than ever. Koch historically reinvests 90% of their earnings back into their businesses and this has certainly been true of Georgia-Pacific. Since the beginning of 2006, nearly $11 billion has been invested across Georgia-Pacific businesses for acquisition, organic growth, innovation, cost reduction and to improve environmental, health and safety performance.
And the culture has changed. "In Georgia-Pacific today, it's ok to challenge a leader, to say 'I think you're wrong, and here's why,' but that wasn't the case previously at Georgia-Pacific," says Darland, "and it's also ok to not know the right answer – to say, 'I don't know.'" Employees are encouraged to engage in a practice called "seeking the best knowledge," which usually yields the best response to a problem and has the added benefit of fostering cooperation. "What we want most of all is transparency and a free flow of information," he says, "so that we can make decisions for the long term."
Darland is happy that he found a home so many years ago in a company that values hard work. "It's been rewarding to say the least."
Darland is serious about showing his gratitude for success by giving back. He and his wife fund a full scholarship to the University of Iowa for a graduate of Charles City High School, where they first met. When he attended the announcement ceremony at the school he says that "it was the best feeling I ever had."
He served on the Judicial Nominating Committee for Governor Sonny Perdue and currently serves on the Board of Directors of Zoo Atlanta and the Atlanta Police Foundation Board. Darland recently even gave a commencement speech to graduates of the Atlanta police academy. He is a member of the Georgia State, College of Law Board of Visitors.
Happily married, Darland and his wife will celebrate a 30-year anniversary this August. His eldest son works in Strategy and Development for Koch Industries in Wichita, Kansas, while another son is in college at the University of Mississippi. His daughter is a high school junior at Pace Academy.
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Marawi folk grow impatient over slow pace of city rebuilding
MARAWI CITY—Norodin Lucman, a Muslim leader who lived in one of the villages here flattened by the five-month war between government troops and gunmen loyal to the Islamic State last year, is getting impatient.
Lucman believes residents can start again "and pick up the pieces of our lives, clean up our property and perhaps rebuild" if they will finally be allowed to return to their homes.
"What is happening now is that the more this rehabilitation is being delayed, the more corruption will take place," said Lucman, one of the 70 residents who were trapped at their homes in Barangay Moncado Kadingilan at the start of the military operation in late May last year.
Zia Adiong, an assemblyman of the Autonomous Region in Muslim Mindanao (ARMM), is also tired of waiting.
"If I am feeling impatient because I want to have a comfortable home now, I can't imagine how impatient my relatives are who have been staying in evacuation tents," he said earlier.
Task Force Bangon Marawi (TFBM) said it would have to establish the owners of lots and buildings in a 250-hectare area, where fighting occurred before the actual ground rehabilitation starts at the end of September.
"As of now, we do not know exactly who owns the lots and the buildings. That is the very reason we are organizing a second Kambisita on Sept. 10," Housing Secretary Eduardo del Rosario, TFBM chair, told reporters here on Aug. 24.
Kambisita is coined from "kambalingan," a Maranao term for "to return," and "bisita" (visit). It is a program where Marawi residents are allowed to inspect their properties, escorted by soldiers, local government employees and TFBM members.
The first Kambisita was held in April when 10,835 families (77,700 people) were allowed to visit their houses for three days, from 6 a.m. to 3 p.m., to salvage their properties and to mark the boundaries of their homes.
Some families were unable to identify the boundaries. To prepare for the second Kambisita, the residents would undergo seminars and workshops that would help them in establishing the exact boundaries of their lots as well as determining the damages.
Land survey
Col. Romeo Brawner Jr., deputy commander of the Joint Task Force Ranao, said they were measuring the lots using a drone to draw up the GPS coordinates of each house.
The data would be cross-checked against information collected by social workers from each family.
Brawner said 18 teams would also be organized and trained to help draw up a land survey.
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According to a survey from the Danish National Institute of Public Health (Statens Institut for Folkesundhed), cannabis use has increased significantly amongst teenaged Danes. Since 1996, the number of male high school students who have experimented with cannabis has grown from 26 to 50 percent. Usage amongst girls has gone from 19 to 31 percent over the same time period.
Click here to read the complete article.


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Kettlebell clean + push press/ push jerk:
Using warm-up sets of no more than 2-3 reps per arm, and keeping total number of lifst under 30 (15L, 15R) climb to and find your 1RM clean + push press/ push jerk. Controlled, organized lock-out constitutes a completed rep, and as always, position and execution govern weight. Position considered, goal is matching weights on both sides.
Then, 5 minutes of:
"Burpees from the bottom" simply begin and end with your chest on the floor. Today, trainer will call out a specific number of reps and intersperse varied durations of rest between them, and athletes will remain with chest on the ground ready to go until directed (very similar to our sprint start). In a group, completing the designated number quickly will lead to a few extra breaths of rest between sets. If a set needs to be skipped due to fatigue, perform 20 additional burpees when the drill is over.
And then, with a partner, 2 aggressive rounds of:
Partner drag: 4 trips "Leader" + 4 trips "Follower" @ 20 yd. each
40 Abmat sit-up (each) @ 10lb. W, 15lb. M (Use bumper plate)
(Up to) 1 minute rest
8 total trips (4 leader + 4 follower) + 40 sit-up (each) = 1 round.
Follower: Drape a rope/ belt/ band around your partners hips and make them tow you. Put the brakes on by pulling your shoulders back and pushing your hips forward, keeping your guts tight, and leaving your weight on your heels. Arms are straight. Keep your legs wide so you don't have to scurry around theirs.
Leader: Get low, stay on the balls of your feet, stay postured up, and drive forward with intent.
Abmat sit-up: Today, weight is locked out in front throughout each rep- hands at chest level, arms straight. Concept: As you sit up, pull your shoulders down. Goal is rock-solid upper body position, forcing the guts to do all the work.
And finally, "Time under tension":
Unweighted hinge + 50 Kettlebell kayak @ 25lb. W, 35lb. M
Lock into a hinge position with tension and focus as if it were weighted, and do some work. Work to "True" failure (loss of physical positioning) not "Relative" failure (loss of mental endurance). If time reaches two minutes (in hinge position), you may stop if desired. If time is under two minutes, do it again, and accumulate at least two total minutes.
Our "kayak" is a full-range Russian Twist and involves trunk rotation and a touch of the implement to the ground on both sides of the body.
L + R side touch = 1 rep.


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Peak Leads USA
Peak Leads USA
Sad To announce that Peak Leads USA LLC will not be taking any new orders !! Any out standing order will be finished or refunded, with the closing of the LLC. All creditors and dedtors will be notified via mail. To submit your mailing address email it to email@example.com.
The closing of the LLC could take upto 6 months so have your address submitted by 10/31/19 in order for it to be filled with in the limits of the LLC.
Contact Us!
Email: firstname.lastname@example.com


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Christmas is less than 2 weeks away, and I am in a thick fog of Christmas orders!
No matter how busy I am, I always make time to make some sweet treats to perk up my spirits (and my husband's!) during this very busy time of year for my hand embroidery business.
I wanted to take a quick break and share with you my go-to recipe for homemade hot cocoa! No packets of hot cocoa (gasp!) will ever be found in our home. Plus, the best part of making homemade cocoa is that you can tweak the recipe for dietary restrictions, preferences, and to mix it up with different flavors!
Use my super easy hot cocoa recipe and take a peek into my holiday decor this year, complete with my hand embroidered Nordic ornament set!
Personally, my idea of a good time is a hot chocolate bar! This is a great and easy treat for kids. A great way to get them involved is to have them pick & prep their hot chocolate toppings. This recipe is easily doubled, modified, and can be altered to taste. I prefer a thick, rich hot chocolate, but not everyone does!
Nutella Hot Cocoa
Serves 2
- 16 oz of whole milk (or your favorite non dairy alternative)
- 3 Tablespoons of Nutella (you can always add more to taste)
- 4 Tablespoons of dark unsweetened cocoa powder
- 2-4 Tablespoons of sugar (start off with a little and add to suit your tastes)
Optional Toppings:
- Marshmallows (homemade are best! I will eventually share my own recipe here 🙂 )
- a Ghirardelli chocolate square
- crushed candy canes
- chocolate chips
- a gingerbread cookie!
Heat the milk (or non-dairy alternative) on medium heat so that it does not burn. Once it starts to warm up, whisk in the cocoa powder, making sure all clumps are thoroughly mixed through. Add the sugar and nutella to taste, whisking frequently. As soon as the cocoa is at the desired temperature, remove from heat immediately and pour into mugs. Top with your favorite toppings and enjoy!
I hope you enjoy this recipe! Please pin, tweet, share, and check out my hand embroidered ornaments!
The ornaments featured in these photos were inspired by my trips to Iceland. I made 4 exclusive sets of 3 ornaments, each set having one heart, one tree, and one horse. Every single ornament is one of a kind and different! You can choose from the curated sets I have available and purchase directly here:


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The Community Engagement Partnership advises the CCG on the development, implementation and effectiveness of strategies and practical actions to engage patients, the public and carers in the whole commissioning process. Members discuss how the CCG can evolve services within local communities for local residents.
The CEP meets from 5pm - 7pm.
Dates for 2019:
14 January – The Key, Ipswich
11 March – The Key, Ipswich
08 April – The Key, Ipswich
13 May – The Key, Ipswich
08 July – The Key, Ipswich
15 October – The Key, Ipswich
Venue address: The Key, 15 St Margaret's Plain, Ipswich, Suffolk, UK, IP4 2BB
Meeting of the Community Engagement Partnership
5pm - 7pm, The Key, Ipswich
Meeting of the Community Engagement Partnership (CEP)
5.00pm - 7.00pm
Meeting of the Community Engagement Partnership (CEP).
CEP Agenda
CEP Minutes
CEP Action Log
Digital Priorities
ESNEFT Presentation
Glossary to accompany Suffolk Patient Records
My Care Record
NHS Article of Felixstowe Minor Injuries Unit
SEND Press Release 040319
If you have any queries please contact our communications and engagement team.
CEP Meetings 2016
CEP Meetings 2017
CEP Meetings 2018


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Recent governments have encouraged the development and expansion of Adult Continuing Education.
This is the latest release
It is perceived as the means through which individuals can enhance their lives, improve their employability in a changing labour market and acquire skills essential to the economy and employers.
The aims of the project were to:
- establish a baseline picture of the present position of ACE in Wales
- provide a definition for ACE
- conduct a review of documentation on ACE in Wales, other parts of the UK and beyond
- undertake a best practice review of ACE.
Research into adult and continuing education
file type: PDF, file size: 484 KB


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Ravel Residence takes part at Open Tower Day
On Saturday the 19th of March 2016, the fourth Open Tower Day will take place in Amsterdam. On this day 19 historical and contemporary towers in Amsterdam open their doors to the public between 10:00 am and 16:00 pm. Also the roof of Ravel Residence open her doors for the public.
On top of the student complex Ravel Residence there are sport facilities and city farming takes place. From the roof you have a magnificent view over the skyline of the Zuidas. The roof of Ravel Residence is accessible only to residents, but you can pay a visit during the Open Tower Day to this unique place.
Centrum: Beurs van Berlage, Kalvertoren / Blue Amsterdam, Oudekerkstoren, Posthoornkerk, Westertoren.
Oost: Lloyd Hotel & Cultural Embassy, Mövenpick Hotel Amsterdam City Centre, The Student Hotel Amsterdam City, Rembrandt Tower Boardroom.
Nieuw-West: Ramada Apollo Amsterdam Centre.
West: REM Eiland.
Noord: Ransdorpertower.
Zuid: VondelCS
Zuidas: ABN AMRO Headquarters, Symphony tower / Arcadis NV, Motel One, Ravel Residence, Crowne Plaza Amsterdam – South.
Zuidoost: Fletcher Hotel Amsterdam
More information
To see all participating towers, terms and conditions for visitors and current information go to: www.opentorendag.nl / www.opentowerday.com or Facebook http://wqd.nl/IYFgN
On the main website you can also download the map featuring all the towers and see how you can best reach them.


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Men's 7mm Diamond Wedding Band
7mm wide flat court diamond wedding ring set with a squared arrangement of round brilliant cut diamonds 0.23cts in total.
Men's 7mm Diamond Wedding Band
7mm wide flat court diamond wedding ring set with a squared arrangement of round brilliant cut diamonds 0.23cts in total.
Wide 7 mm Band 0.23ct Diamond Wedding Ring
A masculine Wedding Ring featuring a square design of expertly Pavé set Diamonds. The Wedding Band is a substantial 7mm in width and has a flat court profile. The Round Brilliant cut Diamonds are a total of 0.23 carats, which have been graded G Colour and VS2 Clarity before being expertly set by hand. This precision set ring is as comfortable as it is eye-catching and comes in a choice of finishes, 18 Carat White or Yellow Gold and 950 Palladium or 950 Platinum. This stylish ring is crafted to order so please allow 4 weeks for delivery. It will then arrive to you beautifully packaged ready for your special day.
Diamond Wedding Rings & Eternity Rings
Many buyers ask us the difference between diamond eternity rings and diamond wedding rings. Our collection is divided into both categories to make searching easier. Most of our designs are, however, versatile. They can serve the purpose of either a diamond set wedding ring or a diamond eternity ring depending on the occasion.
View our full collection of diamond eternity rings from Serendipity Diamonds.
Packaging and Delivery
All items are beautifully packaged within luxury Serendipity Diamonds presentation boxes. Within our main outer box (arriving under a plain wrapping) you will find your diamond wedding ring or diamond eternity ring within our inner presentation box, alongside a document wallet with your valuation for insurance. All deliveries across the UK are sent by Royal Mail Special Delivery, arriving next day before 1pm the day after they are sent.
Ask us a question
Our expert diamond wedding ring and eternity ring team are on hand to answer any questions and to provide any support you might require.
Do you need a finger size tool?
Order our handy Multisizer to estimate your correct finger size. All of our Multisizers include UK sizes and are fully refunded once your final order is placed.
For complete peace of mind...
Dedicated diamond wedding ring advice
60 days returns
Free delivery across UK fully insured
Free insurance valuation
Lifetime guarantee on workmanship and materials
Finance subject to conditions
Approximately four weeks timescale


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Fleming Rutledge is a preacher and teacher known throughout the US, Canada, and parts of the UK. She is the author of eight books, all from Eerdmans Publishing. Her most recent book, The Crucifixion: Understanding the Death of Jesus Christ, is the product of the work of a lifetime and is being described as a new classic on the subject.
One of the first women to be ordained to the priesthood of the Episcopal Church, she served for fourteen years on the clergy staff at Grace Church on Lower Broadway at Tenth Street, New York City.
Fleming and her husband celebrated their 50th anniversary in 2009 and have two daughters and two grandchildren. She is a native of Franklin, Virginia.
Discerning God's Work In The World: Tips From The Times For Preachers
Wednesday, September 08, 2010In today's New York Times, Dwight Garner takes the measure of Stephen Hawkings' new book, The Grand Design, which has soared to the top of Amazon's list as a result of publicity trumpeting its anti-God stance. The New Atheists are thrilled, but no one who understands the difference between religious faith and science will be impressed. So Dr. Hawkings has discovered that we don't need a "God hypothesis" to explain the universe? Ho hum. Science is one thing, and faith another, as Mr. Garner perceptively notes in this paragraph:
The arguments in "The Grand Design" — especially those about why God isn't necessary to imagine the beginning of the universe — put me in mind of something [Timothy] Ferris said in his excellent book The Whole Shebang (1997). "Religious systems are inherently conservative, science inherently progressive," Mr. Ferris wrote. Religion and science don't have to be hostile to each other, but we can stop setting them up on blind dates. "This may be an instance," Mr. Ferris added, "where good walls make good neighbors."
Hooray for both Ferris and Garner. I would take exception to the word "conservative" (Christianity is radical, not conservative) but the rest of the quote is going in just the right direction. To be sure, it is important to understand that Christianity can be intellectually defended, but that isn't the same thing as making Christianity dependent on arguments made from a scientific perspective. Biblical faith is revealed, not arrived at by reasonable argumentation. That's why apologetics, even the very best kind, fails to grasp the central affirmations of our creeds.
Mr. Garner's review is witty. He gets in some zingers about Hawkings' cheap tricks designed for the airport bookbuying audience. He calls The Grand Design "tinny," "inelegant," "condescending," "impenetrable," and "packed with grating yuks." He writes,
This book is provocative pop science, an exploration of the latest thinking about the origins of our universe. But the air inside this literary biosphere is not especially pleasant to breathe.
Here's the link to the Garner article:
Permanent Link for this Post: http://tips.generousorthodoxy.org/2010/09/in-todays-new-york-times-dwight-garner.html


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Is it wastefull to give scraps to my dog?
By snoopy04
@snoopy04 (718)
United States
July 10, 2007 2:52pm CST
I had a mommys day out at my house last week and I made lunch for all the moms and kids. Well when we were done eating I collected all the scraps and gave them to my dog Creed. Since Casper ran away we have been trying to make Creed feel better. Well one of the moms that was there couldnt believe that I would actually give my dog scraps and made a big deal about it. I didnt really know her very well but she was a friend of a mom we both knew. She said that with all the hungry people in the world I could have collected all the scraps and gone to a homeless shelter or a church and offered it to people that really needed it not my dog. Well needless to say we didnt become friends but was it so wrong to give the scraps to my dog. I mean I donate my time to the needy and offer my cooking services when needed but I just thought this lady took it to the extreme. What do you think?
2 people like this
7 responses
@lisagayle (394)
• United States
17 Jul 07
We feed our scraps to our animals as well, to me it is a bigger waste of food to throw it in the garbage can or to put it down the garbage disposal. There is nowhere in this country that would accept someones scraps, that I know of, except for a pig farm. So I do not believe it was wasteful for you to do so. Just be careful of what you feed the dog, somethings could make him very ill.
@meljessxena (2317)
• Australia
11 Jul 07
my dogs are just like humans, and they get all the scraps, and they always will, i dont think it is wastefull, theres no homeless shelters around this area, and my mum has done contribution to help raising a poor family that lives in ethopia. like i dont give choclate or anything like that to my dogs, but sandwiches, meat and scraps i give to the dog, and the chooks get the vegie peels
@UnicornDancer (91)
• United States
11 Jul 07
What was she thinking they don't take scraps at shelters. Feeding your dog table scraps is ok as long as you don't over do it. We have always given our dogs scraps. They enjoy it and as long as you don't give them too much it won't hurt them.
@wiccania (3360)
• United States
10 Jul 07
I think this woman's brain was suffering an ID-10-T error. No shelter or soup kitchen or similar organization would accept your scraps. Heck a lot of them won't even except day old or leftover items (whole and untouched) from restaurants. And while there are people who will condemn you for giving your dog "people food," my vet gave me a list of food to avoid giving him (because they're toxic to dogs) and said that in moderation it's ok.
@Debs_place (10524)
• United States
10 Jul 07
There is no where in the US that a shelter or soup kitchen would have served your scraps. The woman is a few french fries shortof a happy meal. Now to make oyur dog feel loved, cuddle it and play with it, table scraps are not good for a dog.
@trk918 (254)
• United States
10 Jul 07
Homeless shelters won't take scraps. Feeding it to your dog is very frugal, just be careful not to feed a lot of sweet stuff. Large dogs can usually handle human food a lot better than small dogs. I throw all of my scrap out to the cats, goats & chickens. Why waste if they will eat? Less feed I have to buy. What they don't eat becomes compost.
@ravinskye (8242)
• United States
10 Jul 07
well i think she did go a little too far. does she really think people would want to eat your sandwich scraps? As for feeding it to your dog, you should watch doing that. Dogs systems aren't made to handle people food, it could make him sick.


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...I've met many students
One thing that often gets overlooked is the position and angle of our picking hand when playing something that moves across several strings.
I've met many students who were able to get a good picking motion going; but, for some reason, it would fall apart when applied to more than one string. When I took a closer look, I could see that they planted their hand in one place and kept it there, regardless of which string they were playing.
If you have a guitar handy, try it now. Plant your hand near the lowest string; when you move your pick from the lowest string toward the highest, your wrist deviates downward in order to let this happen. The side effect is that the angle of the pick is now totally different from its angle when you were on the low strings.
If you keep your hand locked in place, a mild, almost parallel pick angle on the lowest string will turn to an angle that is almost completely on its side on the high E string. So the way the pick connects has changed. Not only that: the angle of your hand also has changed.
On the lower strings, you might've been able to get a smooth, efficient picking action happening. But with your wrist pointed down and no longer in line with your arm, you're having to resort to a different picking action, which resembles more of a swiping, "back to front" motion. So what happens is you're expending energy moving the pick "back to front" while the pick edge struggles to gain purchase on the string. You're clipping the string, producing an audibly different sound as well—a scraping tone that you might or might not be happy with.
The solution is simple. Identify


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I've known Roberta for 8 years. She is the best in the business. Extremely professional and dedicated to her customers. She is always working on creating long term relationships that are based on hard work on honesty. She is extremely experienced in the sales and marketing of new homes. As a Developer, having Roberta as a partner has been instrumental in the successful sales of our new home communities.
Roberta is 100% diligent, honest and thorough. She truly cares about helping buyers make the best decisions for their individual needs. Highly recommended!
When I was buying this condo Roberta was there every step of the way. Very professional. Very knowledgeable of the real estate business. I would highly recommend her when buying a home or a condo.
We purchased our first rental property with Roberta and could not have been happier. She always had our best interest at heart. All of our questions were answered with honesty and patience. Her knowledge of the neighborhood was impressive. We will not hesitate to work with Roberta again. She is simply the best!
Roberta is by far the most knowledgeable top agent I have had the opportunity to work with. She is incredibly insightful about market conditions and always has the 'inside track' on hot properties or neighborhoods. Not only is she a total pleasure to work with, she is a hard worker and extremely detail oriented. She's known around here as the 'Condo Queen' for very good reason – no one sells more condos than her.
Roberta is very knowledgeable about the real estate market and has assisted us in buying investment properties. She is up to date on the latest technologies and makes the real estate process a smooth transaction and experience. We are currently working with Roberta on real estate transactions and plan on working with her in the future. Highly recommended.
Roberta was referred to me by a friend in Phoenix who is employed in banking. She came highly recommended and absolutely delivered. She communicated extremely well, knows the history of properties and projects, negotiated a deal better than I believed possible and helped us locate great contractors. I am an out-of-town buyer, and I felt completely comfortable during the entire transaction. I will absolutely use her in the future.
I cannot provide enough praise for Roberta. She is an example of what the Realtor's standard should be. We had serious challenges with the seller of my home, and her immediate responsiveness and take-action stance was FLAWLESS. Roberta worked closely with me throughout the entire process and kept me abreast of how things progressed. We got an incredible deal on the fixer-upper home we wanted in the area we wanted. For buyers wishing to have someone who can set appropriate expectations and provide a realistic understanding, while maintaining a professional attitude, Roberta is the trend-setter. We will always return to Roberta with Real Estate needs and anyone can call me to get my verbal, first hand reference on Roberta – she sets the standard for excellent customer service! I would be humbled and honored to work under her guidance as I continue through Real Estate School. To Roberta – We'e your biggest fans and just cannot praise you enough and THANK YOU TONS!
Roberta was instrumental in not only finding me exactly what I was looking for with patience, but she was my advocate through the entire process from start to finish. She made sure that my best interests were protected and fought for. Her expertise and experience were invaluable specifically with resolving disputes with the builder and knowing the value of what was being offered. I'm grateful to have found someone that I could trust to guide me into my new home.
Date: 09/16/2016
The home that closed at 2311 E. Sunland Ave was facilitated by Driggs Title Agency; a disinterested 3rd party. We received the following review in Phoenix about real estate agent Roberta Candelaria from the Seller:
|Roberta Candelaria was professional and informative:
|5 Stars
|Roberta Candelaria was very easy to communicate with and get a hold of:
|5 Stars
|I felt that Roberta Candelaria had my best interest:
|5 Stars
|I would recommend Roberta Candelaria:
Review Comments:
Agent Review of Roberta Candelaria – by Todd, 2016-09-16 5
Mark Bartlemus hereby certifies this to be an authentic and actual review of Roberta Candelaria.
Contact Roberta Candelaria – Phone: (602) 791-3292 or Email: [email protected]


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Lemonade Festival & Bluefield Bluesfest
August 25, 2018. Both events organized by The Bluefield Preservation Society. The Lemonade Festival is a free event featuring car show, crafts, food, vendors, lemon cook-off, music and more! Fun for the entire family! The Bluefield Bluesfest is an evening of live blues music, beer and food vendors and lots of great fun - this is a ticketed event. http://www.bluefieldbluesfest.com/home.html


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This event has passed.
Be a Space Explorer in Marlow
February 22 @ 10:00 AM - 11:15 AM
For this session in Marlow we will be Exploring Space. Can you build a rocket in the Construction Zone?? Make a healthy meal to take to Space with you, in the Cafe?? Don't forget to get your Health Check at the hospital before you shoot off to Space?? What can you see in the Glow in the Dark Space Tent?? All this plus much much more Pop Up Play Village fun.
Our pop up cafe will also be there serving a range hot and cold drinks and snacks.
Adults and non-walkers are free with a child's ticket.
Please don't forget socks for both little ones and adults too.
Pre-booking is highly recommended and we look forward to seeing you soon!
If you have any issues booking please contact us on email@example.com


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Accessing designs made using the Canva Button from your Canva account
Any designs created and downloaded on a partner site using the Canva Button remain within the partner site. You can't view these designs from your Canva account.
To view your design, or get a copy, contact the partner site and ask if they will allow this.


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Ela Madej
Impact investor and Entrepreneur in San Francisco, California
Ela Madej
Impact investor and Entrepreneur in San Francisco, California
I'm a serial entrepreneur, impact investor and Y Combinator alum. I invest in purpose+profit businesses with Fifty.vc. I also run the impact.tech community of techies who want to combine purpose with profit - we do monthly meetups in San Francisco.
I have worked in tech since 2006. Most recently, I was a partner at Eastern Europe's leading early stage VC Innovation Nest. Before that I co-founded Base CRM, an amazing Ruby on Rails software house Applicake (acquired by Base in 2013) and European Rails Conference Railsberry. I also started the Polish startup community Hive.
I dance contemporary dance, slackline, run, ski & snowboard. I love velocity and the performing arts. I dream big and I laugh a lot.


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|Peter Mullan ~ Screen Caps ~ The Stone of Destiny
Sel liked this movie! Perhaps because Sel is Scottish (somewhere) - in a far flung branch. Anyway, a bunch of college students in 1950 removes the Stone of Scone (a big piece of red limestone on which the Kings of Scotland were crowned.) The stone is also known Jacob's Pillow Stone and the Tanist Stone, and in Scottish Gaelic clach-na-cinneamhain. (And you thought Sel wasn't educational). Peter portrays Ian's father who thinks his son is a slacker until his son returns the Stone of Scone back to Scotland.
You're a slacker, son! A Slacker!


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Check out my new set of shoes for 2012...
What do you think?
How do they look? (Mrs. Clot Buster does not like them AT ALL...)
Can you guess the brand?
So far, I've only ran a handful of times on these and they feel very comfortable. We will see how fast I get to with them during my training and racing this year.
Speaking of racing, I will be out there again this year doing some local triathlons so be in the lookout for the polka-dots...
In addition to a handfull of triathlons I am toying with the idea of celebrating my entrance into a new age group category with an epic event. Nothing bigger than doing a MARATHON... However, I am only doing it if I can manage to bring my weight down to under 172 by Junior's birthday June 3rd. If I am able to do that I am either racing the Dayton, OH Air Force Marathon (September 15th) or perhaps the Columbus Marathon (October 12th). We will see how it goes... Stay tuned!
Thank you for reading,
The Clot Buster
Friday, January 20, 2012
My new ride...
Posted by Clot Buster at 6:46 PM
No comments:
Subscribe to: Post Comments (Atom)


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This benefit generally extends the manufacturer's warranty an extra year (2 years for American Express). Cars and other motorized items are not covered. You need to charge some portion of the item to your card.
American Express: You can see your coverage based on the card you have.
Fine Print
What is Extended Warranty Protection?
Extended Warranty Protection extends the time period of the original manufacturer's written U.S. repair warranty by one (1) additional year on eligible warranties of three (3) years or less, up to a maximum of ten thousand ($10,000.00) dollars per claim, and a fifty thousand ($50,000.00) dollars maximum per Account.
To be eligible for coverage, you must charge some portion of the item's purchase price to your Account or use reward points earned on your Account toward the purchase. This benefit is secondary to any service contract or Extended Warranty you have purchased or received.
Extended Warranty Protection's registration service
Although registration is not required for Extended Warranty Protection benefits, you are encouraged to consider registration to help you take full advantage of your warranties. When your warranties are registered, you have access to key information about your coverage with a single toll-free call to the Benefit Administrator. And if you send copies of your sales receipts and warranty information to the Benefit Administrator, it will be kept on file. Call the Benefit Administrator for information regarding the security of registering your purchases.
Coverage Information
Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been issued ("Cardholder"), and to whomever receives gifts purchased with your Chase credit card account ("Account").
What is covered?
- Eligible items with a valid original manufacturer-written S. repair warranty of three (3) years or less
- Gifts purchased with your Account and meet the terms and conditions of the benefit
- Items purchased outside the United States are covered as long as they are purchased with your Account and the eligible item has either a valid original manufacturer-written S. repair warranty of three (3) years or less, a store-purchased dealer warranty, or an assembler warranty.
What items are not covered?
- Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle
- Any costs other than those specifically covered under the terms of the original manufacturer- written S. repair warranty, as supplied by the original manufacturer, or other eligible warranty
- Items purchased for resale, professional, or commercial use
- Rented or leased items or items purchased on an installment plan and for which the entire purchase price was not paid in full at the time of the occurrence
- Computer software
- Medical equipment
- Used or pre-owned items
Claim Information How do I file a claim?
- Call the Benefit Administrator as soon as possible upon learning of a product Please note that if you do not notify the Benefit Administrator within ninety (90) days after the product failure, your claim may be denied.
- The Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate repair facility, and send you the appropriate claim
- To file a claim, you need to provide copies of your card receipt, store receipt, the original manufacturer-written S. warranty, and any other applicable warranty unless the purchase is registered. This claim form must be completed, signed, and returned with all the requested documentation within one hundred and twenty (120) days of the product failure. Unless otherwise noted, the date of loss shall be the date you first notified the Benefit Administrator.
Gift recipients of eligible items are also covered by the claims process, if desired. However, a gift recipient must provide all the documents necessary to fully substantiate the claim.
What documents do I need to submit with my claim?
- Your completed and signed claim form
- A copy of your card receipt
- The itemized store receipt (if more than one method of payment was used, documentation linking the purchase back to the Account must be included)
- A copy of the original manufacturer – written S. warranty and any other applicable warranty
- A description and serial number of the item, and any other documentation deemed necessary to substantiate your This includes bills and, if necessary, a copy of the maintenance record and receipts
- The original repair order
Please note that all claims must be fully substantiated.
How will I be reimbursed?
- Once your claim has been verified, the item will be repaired or replaced at the Benefit Administrator's The replacement or repair will be for no more than the original
purchase price of the covered item less shipping and handling fees, up to a maximum of ten thousand ($10,000.00) dollars, as recorded on your card receipt, and fifty thousand ($50,000.00) dollars maximum per Account.
- Extended Warranty Protection will pay the facility directly for repairs, if possible, or you may go to an authorized repair facility and file a claim for Only valid and reasonable repairs made at the manufacturer's authorized repair facility are covered. In either case, the Benefit Administrator's payment, replacement, or repair made in good faith will fulfill the obligation under the benefit.
- You will only be reimbursed up to the amount charged to your Account or the program limit, whichever is Additionally, any purchases made using rewards points associated with the Account are eligible for this benefit and you will only be reimbursed up to the dollar amount to replace or repair the item or the program limit, whichever is less.
Under normal circumstances, reimbursement will take place within five (5) business days of receipt and approval of all required documents.
Extended Warranty Fine Print by Card
What is Covered
We will pay Your Loss up to the actual amount charged to Your Account (including applicable sales tax) for the item for which a Loss is claimed, but not to exceed the original cost of the item or $10,000, whichever is less. If you incur multiple Losses for the same item, the aggregate payments too shall not exceed the lesser of the original cost of the item or $10,000, whichever is less.
Only valid and reasonable repairs up to the purchase amount of the item made at a manufacturer and/or retailer's authorized repair facility are covered.
If You experience more than one Loss in a calendar year, We will pay an amount not to exceed $50,000 for all Losses per Card Member Account in each calendar year. Our benefit payment will not include any product rebates, discounts or money received from the lowest price comparison programs that reduced the original cost of the item.
For Accounts enrolled in the Membership Rewards Points and/or Pay with Points program(s), an item is eligible for coverage under this Plan if it was purchased through the redemption of Membership Rewards Points and/or Pay with Points. Our benefit payment will not exceed the amount of the Membership Reward Points and/or Pay with Points You redeemed to purchase the item. Benefits will not be paid when redemption of Membership Rewards Points and/or Pay with Points have been transferred to a non-eligible card account or non-Card Members.
Our benefit payment will not include payment of expenses or fees related to shipping and handling, installation, assembly, professional advice, maintenance or other service charges related to the repair, replacement or reimbursement of Your product.
Length of Coverage
Where a Loss has occurred during the Extended Warranty Period, We will provide a benefit equal to the coverage of the original manufacturer's warranty on warranties of up to five (5) years.
If the item is also covered by a purchased service contract, the Extended Warranty Period begins at the end of the purchased service contract and extends the original manufacturer's warranty for a period of time equal to the warranty, up to one (1) additional year.
If the combined coverage of the original manufacturer's warranty and the purchased service contract exceed five (5) years, the item purchased is not eligible for benefits under this Plan.
If the Card Member is notified that a warranty has ended for any reason (including, but not limited to, bankruptcy of the manufacturer or other responsible party), this Plan will continue to provide coverage, not to exceed the original manufacturer's warranty up to one (1) year from the date the Card Member is notified of such event. The Card Member may be asked to provide proof of notification in the form of a public announcement or other official documentation.
Only a Card Member has a legal and equitable right to any insurance benefit that may be available under this Plan.
General Exclusions
Benefits are not payable if the Loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:
- war or acts of war (whether declared or undeclared), participation in a felony, riot, civil disturbance, protest or insurrections, service in the armed forces or units auxiliary to it;
- any physical damage, including, but not limited to, damage as a direct result of natural disaster or a power surge, except to the extent the original manufacturer's warranty covers such damage;
- mechanical failure covered under product recall; or
- fraud or abuse or illegal activity of any kind by the Card
Purchases Not Covered
The following purchases are not covered:
- products covered by an unconditional satisfaction guarantee;
- animals or living plants;
- consumable or perishable items with extended or limited life spans (including, but not limited to; food, perfume, light bulbs, batteries);
- motorized vehicles (including, but not limited to, passenger cars, trucks, motorcycles, boats, airplanes) and their parts, subject to high risk, combustion, wear and tear or mileage stipulations (including, but not limited to, batteries, carburetors, pipes, hoses, pistons, brakes, tires, mufflers);
- motorized devices and their parts used for agriculture, landscaping, demolition or construction;
- motorized devices and their parts which are permanent additions or fixtures to a residential or commercial building unless the item can be removed without causing damage to the structure;
- business fixtures, including, but not limited to, air conditioners, refrigerators, heaters and/or any item that cannot be removed without causing damage to the structure;
- land or buildings;
- more than one article in a pair or Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;
- additional service contract or extended warranty coverage for a computer, computer component or part that You buy which already comes with an original United States of America, Puerto Rico or the S. Virgin Islands manufacturer's and/or retailer's warranty, unless such coverage is provided and administered by the original manufacturer; and
- items purchased for use as inventory, resale, professional, or commercial use (including but not limited to professional education, training or skills, or to be used in professional competition).
If You experience a Loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss.
To insure prompt processing of Your claim, report any Loss immediately following the date of the Loss, including for gifts purchased on your Account. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.
We will decide whether to do one of the following: 1) have the product repaired; 2) have the product replaced; or 3) reimburse You up to the amount of the item purchased on Your Account.
Notice of Claim
During the Extended Warranty Period, Notice of Claim should be provided to Us within thirty (30) days of the Loss. You may contact the Company by calling toll-free stateside 1-800-225-3750 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Extended Warranty, PO Box 981553, El Paso TX 79998-9920.
Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that Notice of Claim was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist with completion of the Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable.
Our Plan matches the terms of and extends Your original manufacturer's warranty. Therefore, Notice of Claim requirements within your original manufacturer's warranty may vary with respect to date of report versus date of loss. Please review Your original manufacturer's warranty for further details. No claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice Our rights.
Proof of Loss
If required, a claim form will be sent to You after We receive notice of loss. Written proof of loss, which includes the signed claim form and all other requested documentation, must be received within sixty (60) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim, or Your claim may be denied. The proof of loss must be sent to: Extended Warranty Claims Unit, PO Box 981553, El Paso TX 79998-9920. If the required proof of loss and other documentation is not received within sixty (60) days of Our request (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is the Your responsibility to provide all required documentation.
Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:
- an Extended Warranty claim form;
- the original itemized store receipt with applicable sales tax included;
- a copy of the original manufacturer's warranty and any additional retailer's warranty and/or service contract, if applicable; and
- a repair estimate for the product by an authorized retailer that has been approved by the manufacturer
You may be required to send in the product to Us at Our expense for further evaluation of Your claim. If requested, You must send in the product within sixty (60) days from the date of Our request to remain eligible for coverage.
Payment of Claims
A claim for benefits provided by this Plan will be paid within thirty (30) days upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan.
Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment.
For items purchased under installment billing plans, We will pay the amount that has been billed up to the date of Loss. Once the remaining balance has been paid or fulfilled by You, We will pay the remaining balance to You.
To be eligible for coverage, you must pay for the item at least in part with your Citi card and/or ThankYou® Points. We will only reimburse you up to the actual amount charged on your Citi card and/or ThankYou® Points.
We will extend the manufacturer's warranty for an additional 24 Months. If you purchase an extended warranty, our coverage begins at the expiration of that warranty. In the event of a covered failure we will repair or replace the item or reimburse up to the amount charged on your Citi card and/or ThankYou® Points (excluding shipping and handling) or $10,000, whichever is less. In no event will total coverage exceed 84 Months from the purchase date.
Maximum Coverage Per Item
Coverage is limited to the lesser of the following:
- The cost to repair or replace the it
- The purchase price of the it
- The amount charged to the Citi card (including ThankYou® Points).
- $10,000 per item.
We will decide if a covered failure will be repaired or replaced, or whether you will be reimbursed up to the amount paid with your Citi card and/or ThankYou® Points. Items will be replaced with those of like kind and quality. However, we cannot guarantee to match exact color, material, brand, size, or model.
Coverage only applies to the item that fails, not to any other property that's damaged by it.
Purchases made by you using your Citi card and/or ThankYou® Points.
Coverage does not apply to the following items:
- Boats, cars, aircraft, or any other motorized land, air or water vehicles and their original equipment. Tires are not cover
- Services (such as product installation, repairs, maintenance or diagnostics) unless covered under the manufacturer's warranty.
- Used, antique or pre-owned items.
- Items purchased for resale, professional or commercial us
- Land or buildings; housing properties.
- Plants and live animals.
- Items that do not come with a manufacturer's warranty. Coverage doesn't apply under these circumstances:
- You fail to care for or service the item appropriately as required by the manufacturer.
- The item has a product defect, recall, or experiences normal wear and tear where no failure has occurr
- The item is damaged because of an act of God, such as a flood, hurricane, lightning, wind or earthquake.
Please follow the steps below and pay close attention to the deadlines to make sure you remain eligible for coverage.
- To file a claim, call 1-866-918-4670 as soon as possible after the incident. We will ask you a few questions, send you a claim form and advise you what documents we may need to support your Or you can visit www.cardbenefits.citi.com to download a claim form for submission.
- Return the claim form and all requested documents within 180 days of the date of incident. We will notify you of our decision once we've processed your


text: Some of you are aware that Cindy Dudgeon, our beloved Insideout acupuncturist has been diagnosed with Mast Cell Activation Syndrome. Ten months ago, Cindy had taken a necessary medical leave from her acupuncture practice. Surely you can imagine that not having an income can quickly amount to much debt, stress and strain on her and her family. Please join us to Support Cindy by lowering her ever increasing medical bills and offering financial support to her beautiful family to help pay her monthly household expenses. Read more about her story at Gofundme.com/Cindydudgeon


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- Military Strategy and Project Planning
- Agile Business Conference 2009
- Sir Keith Park - Airbourne Tactics and Agility
- Keep up to date with our news on Twitter
1) Military Strategy and Project Planning
"No plan survives contact with the enemy" is a phrase I've often heard used in a business context as an excuse for not planning properly - or indeed, at all. This last case is especially true on some agile projects I've turned-around, where those on the project initially proceeded without any initial planning at all.
The source of the quotation is from Helmuth von Moltke, the nineteenth-century German general and strategist and who proposed that military action was based on a series of options, of which only the start could be planned in detail in advance. Read more...
2) Agile Business Conference 2009
I recently attended this year's Agile Business Conference in central London. Read more...
3) Sir Keith Park - Airbourne Tactics and Agility
One of the presentations at the Agile Business Conference referred to Sir Keith Park, a senior Royal Air Force commander in the Second World War and drawing parallels with the tactics he used to that of modern business techniques. Keith Park commanded 11 Group Fighter Command which encompassed the squadrons in the south-east of Britain saw the greatest action during the Battle of Britain. Read more...
4) Keep up to date with our news on Twitter
We've started a Twitter feed. Follow us at http://twitter.com/AgileBizChange
All best wishes for the month ahead.
Kind regards,
Marcus Price
This is a free monthly newsletter providing commentary on software and business process industry trends industry trends for the wider business community. To subscribe, unsubscribe or change email address, please contact us.
Please feel free to send comments or forward this to colleagues and friends who will find it valuable. Permission is granted to reprint as long as it is reprinted in its entirety.
Agilier Ltd is an independent consultancy specialising in providing leading-edge business-change and technology services.


text: Building Beautiful Voices - Director's Edition Look Inside Building Beautiful Voices - Director's Edition A concise, yet comprehensive study of vocal technique for the choral rehearsal or private instruction. Composed by Paul Nesheim. Arranged by Weston Noble. Director's score. Roger Dean Publishing #30/1054R. Published by Roger Dean Publishing (LO.30-1054R). Usually leaves our warehouse: Within 24 hours More info Add to Cart { "catalogRefId":"468646", "productId":"prod468646", "quantity":"1" } 1 Review


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Scraptastic Saturdays – Special
Today I'm bringing you another Scraptastic Design by TD. In particular, a wordart freebie. I host the definition challenge at ESS every month, and for November I chose the word "special".
You can download the wordart at http://www.mediafire.com/?m9299vt96tv6y1m. Then, if you feel like playing along, head on over to http://www.enchantedstudioscraps.com/forums/showthread.php?t=11043 to play along. For your layout to count towards the points awarded at ESS at least 40% of your LO (layout) must contain product from ESS designers. But you can always play along without worrying about challenge points too…. in which case, you can upload your LO anywhere, and just share a link here so I can find it and leave you some love. 🙂
Hope you enjoy the word art.
Posted on November 13, 2010, in Scraptastic and tagged challenge, definition, definition challenge, digi-scrapping, digi-stamp, Enchanted Studio Scraps, ESS, freebie, layout, LO, scrapbooking, special, word art, wordart. Bookmark the permalink. Leave a comment.


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Daihatsu is one of Japans oldest internal-combustion engine manufacturing companies. The company was an independent automobile manufacturer until Toyota purchased the company in 2016. Known for building tiny, practical and fuel efficient cars and light trucks, as well as heavy equipment, Daihatsu has a cult like following across the globe. A Daihatsu repair manual instructs the do it yourself mechanic on the steps and procedures necessary to keep these simple machines running.
In Japan, Daihatsu was responsible for the creation of a category of cars know as Kei cars. These vehicles are light, small and simple to repair, making them ideal for the congested roads and expensive fuel and repair parts found in Japan. Kei cars are the smallest automobiles legally allowed on the roads of Japan.
In Japan, Kei cars are restricted for size, weight and horsepower. In 2014, Japan raised taxes on Kei cars, which has negatively impacted sales. Only three companies today build Kei cars, and all three re-badge cars built by different companies, including Daihatsu, which features Toyota badging in Japan.
Daihatsu entered the United States market in 1987, featuring the Charade, a sub-compact model, and followed up with the Rocky in 1988. The Rocky is probably the best known Daihatsu vehicle in the United States. A rugged and efficient sport utility vehicle well ahead of it's time in the US, the Rocky was a popular choice for budget-minded adventurers.
Daihatsu ceased production of US based models in 1992, citing dropping sales and failing to find a way to offset tariffs against a strong Japanese Yen. With Toyota firmly at the helm, many Daihatsu markets are beginning to be eliminated in favor of other products. Toyota has invested significant amounts of money in South East Asian markets and African markets to continue selling low cost, efficient and easy to repair transportation.
As an engine manufacturing company, Daihatsu has provided engines and technology for dozens of companies world-wide. Producing everything from small, efficient gasoline and diesel engines, to massive motors driving heavy equipment, the company continues to leave it's mark on the automotive world.
Repairing and restoring these delightful Kei cars is simple and easy with a Daihatsu service manual. These service manuals provide the information necessary to disassemble, repair and reassemble each of the cars systems. Today's Daihatsu vehicles are interesting and unique cars and trucks, which when properly maintained, provide long, trouble-free service life.


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Anyone that knows me well knows that I'm a big sports fan. Anyone that knows me very well knows that the season of fall is basically my favorite, and for that very reason. Two of my favorite sports are football and basketball – and they are at full speed come September!
I have spent and will spend many , many days and weekends consumed with college football, NFL football, and the beginning of the NBA season. I'm a casual baseball fan, so if the World Series happens to overlap, too, then that's an added bonus! Sorry hockey fans – never could really get into televised hockey (but going in person is some of the most fun I've had at a sporting event!).
So, when I was clicking around the internet today, given my love for the season, I was intrigued when I found this article. It's about how tonight is the first time that the four major sports leagues will have an event on the same night. They don't count college, but that's fair – they aren't "major." Check out the entire listing in the article, it's pretty cool!


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Simple logging to file for wp developers
Snippets tagged: debug
Write to debug.log
Simple function developers can use in their code to write data to debug.log, instead using print_r and die to output to the screen.
List All WordPress Actions Fired
Prints all actions that have fired within a particular request. Useful for debugging.


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Dar ul Sukun Quetta Centre A Home for Socially Displaced Children ( DUSQTA ) is a member of the Micah Network
Monday to Friday
14/09/15 - 18/09/15
Lima, Peru, Casino de Policía - La Molina
6th Micah Triennial Global Consultation
Dates: Monday 14th to Friday 18th September 2015
Pre-Consultation events will be taking place from 12th September
Venue: Casino de Policía, La Molina
Lima, Peru, Latin America
[Do note this venue is updated from former plans to hold the event at Huampaní Convention Centre.]
Host Member Organization: Paz y Esperanza Internacional
Registration is now open: www.micahgc2015.eventbrite.com
Registration process is also available in Spanish, French and Portuguese.
Languages: The consultation will be presented in English, Spanish, French, Portuguese and Russian via simultaneous translation (event details in other languages available by clicking the links).
More details are available on the event flyer [PDF], on Facebook and also by clicking through the links below. Please share the details of this event with your colleagues and networks.
The word "Shalom" conveys a powerful vision of peace. This is not just the absence of conflict, it is an all-encompassing peace:
· Peace with God
· Peace with one another
· Peace with creation
For more details on the Consultation Theme, click here.
A draft version of the programme is now downloadable from this page or by clicking here [pdf].
More detailed information about the week's schedule is available here.
You can read about our plenary speakers by clicking here.
For information regarding accommodation, registration fees, travel arrangements and sponsorship, please see the flyer or click here.
We encourage you to consider how you or your organisation can contribute to the Consultation content and resources by making a submission to our Call for Submissions. We hope to develop a rich collection of diverse wisdom and experience relating to the Consultation theme of Integral Mission and Shalom.
We encourage participants to read through as much of this resource as possible prior to attending the event. See all completed submissions here.
If the cannot find the answer to your question in the above menu or on the event flyer, you can contact us via email.
All enquiries about this event should be sent to: email@example.com
Spanish speakers can also contact Ruth Alvarado: email@example.com.


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You've probably heard entrepreneurs and business owners using the term "operational risk management" in the past, but you might not understand the nature of the concept. If that's the case, the information in this post should help to set the record straight and ensure your company does not fall behind the competition. You need a strong operational risk management strategy in place these days to strengthen the link between your brand's strategic goals and the operational decisions made by your management teams. Follow each of the stages below to ensure you get it right!
Identifying the risks
The first stage of effective operational risk management involves taking the time to understand the nature of the risks your organization faces. The person in charge of the process should spend time reviewing the current situation and the company's long-term strategy against the visible risks the brand might encounter. The most common risk types that entrepreneurs might include in that process are:
- IT risks
- Vendor risks
- Compliance risks
- Process risks
- Financial reporting risks
- And many more
The person or team in charge then creates a list of risks and related items like regulations and licenses, etc.
Creating standard reports
Next up; you'll need to create reports that the management can use to understand the risks they face and plan accordingly. The goal is to show the links across all processes in the list and help managers to take decisive action. For example, let's presume you determine that fraud is a risk the company faces. In that instance, workers would need to be able to compare the level of losses on the last statement. That will help to highlight areas in which predictions were out of line, or you encountered unexpected losses due to the fraud issue.
Using the latest tech
In the modern world, most corporations use technology to deal with operational risk management because it helps to save them a lot of time and effort. Also, you remove the likelihood of human error if you trust calculations to a well-made computer program. Those tools help to bring to life the cyclical nature of identifying, assessing, treating and monitoring risk throughout any organization, and there are plenty of options on the table. If you need to select the best operational risk management software for your company, it makes sense to read reviews and testimonials from other firms before making inquiries. As with anything in this world, some solutions are better than others.
At some point in the future, all successful entrepreneurs will have to think about operational risk management in one way or another. So, now is the best time to learn as much as possible about the concept and give yourself a head start. There is a wealth of free information available online, and there are plenty of software specialists out there if you like the idea of using modern technology to your advantage. Don't make the mistake of overlooking operational risk management because it could mean the difference between failure and prosperity.


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|The courgette-marrow spectrum
|Layering veg for a crustless quiche
|Half an hour later
|Spot the yellow flecks of courgette
|Young courgettes, ideal for the BBQ
|And then there's the flowers to eat as well
First piece of advice: pick 'em small. I like to pick ours at roughly half the typical supermarket size (as at the far end of the courgette spectrum on the right). At that stage, the courgettes are so tender and tasty that they can be chopped raw into salads. It's a lot easier to deal with 20 small courgettes than with 20 marrows. This typically means daily picking, so if you're only visiting your courgette patch on the weekends, it's marrows for you! If you grow yellow varieties the fruit are a lot easier to spot and you won't get as many hiding and making it to marrow size.
If you do end up with marrows, my favourite recipe is spicy fried marrow rings:
Cut the marrow into 1cm-thick discs and press out the seeds with your fingers, making rings. Mix 3tbsp of flour with 1tsp coriander, 1tsp chilli powder and 1/2tsp salt. Dip the marrow rings into the flour mixture on both sides and fry in vegetable oil until the flesh is soft and the outside crispy on both sides. Serve with yoghurt or creme fraiche.
Other marrow options include stuffing with mince, making marrow jam (surprisingly tasty though not quite a substitute for a good berry jam) or using it as part of a piccallili pickle mix.
However, I do prefer courgettes before they get to marrow stage. Then my currently preferred recipe is to turn them into a crustless quiche, which is a simple and super tasty way of using up whatever you've happen to have in the garden:
Butter a pie dish and layer with vegetables. Start with a layer of onion slices, followed by sliced courgettes (peas, broad beans, chard and broocoli are also very good in this) and some chives. Mix 250ml cream with 4 eggs, season with salt and pepper. Pour over the layered vegetables and top with grated cheese. Bake for 30 minutes at 170°C. Serve hot or cold.
Courgette cake is a fun way to use courgettes, though not necessarily a good glut coping strategy, since you only need one or two per cake. Here's an easy courgette bran loaf, which is our standard elevenses bite. It's not very sweet and best served with butter and homemade jam. If you make it often enough (we get through one every two days) you'll eliminate a fair number of courgettes.
Mix together 1 cup wheat bran, 1 cup sultanas, 1/4 cup brown sugar and 1 cup milk. Leave to stand for an hour. Then add 1 cup wholemeal flour, 1tsp bicarbonate of soda, 1/2 cup grated courgette and 1 egg. Mix and spoon into a greased loaf tin. Bake for 45 minutes at 150°C. This is a very flexible cake. You can use grated carrot or beetroot instead of courgette or 1 cup of berries such as currants, blueberries or raspberries.
Another good way of eating young courgettes is as the original vegetarian sausage. Rub with vegetable oil, salt, pepper and herbs, wrap in foil and toss on the barbecue. Or dip in beer batter (100g flour, 1tsp ground fennel seeds, 1tsp chilli powder, 1/2tsp salt and enough ale to make up to double cream consistency) and pop into the deep-fat fryer.
Then, of course, there are all the usual Mediterranean recipes that you can throw courgettes into: risotto, lasagne, ratatouille, bolognese sauce, carbonara sauce etc. And you can even make a tasty sandwich spread from courgettes.
Possibly the best way to use up a lot of courgettes in one go is to make relish. This is very useful stuff and keeps well, too.
Whatever you do, don't freeze your courgettes, raw or blanched (though cooked, in a dish such as ratatouille is fine). The texture goes all rubbery. Some people dry their courgettes in thin slices - I tried this once but didn't find the result particularly appetising or useful. However, I'm willing to try again if someone suggests a good way of using the dried courgette slices.
If you still have any courgettes left over, give them to friends, family and passers by. People are usually delighted to receive them - unless they have a glut of their own to deal with!


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Free of charge
Visit the exhibition and see the most innovative solutions for the healthcare industry
17-18 March 2021, ExCeL London, UK.
Free of charge
Places are available free of charge for qualified buyers from government/public and private healthcare bodies. All Hosted Buyers agree to meet with mutually interested exhibitors and sponsors that provide a possible solution.