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Our soon to be issued and available publication. Following is the dust jacket cover sure to tempt all lovers of the Chicago Transit Authority and Chicago Surface Lines Green Hornet streetcars.
KANSAS CITY and St. Louis are the two Missouri cities with streetcar line construction projects underway but they differ because one is a modern streetcar and the other a heritage trolley, the "re journals dot com" site reports. The real estate industry publication says economic development is taking place along the car lines even though neither is in operation yet:
*http://tinyurl.com/k9ntxo5 <http://tinyurl.com/k9ntxo5>>"*Clang! Clang!
The trolley — and streetcar — are coming to provide a boost to Midwest
< http://www.rejournals.com/2015/05/15/clang-clang-the-trolley-and-streetcar-are-coming-to-provide-a-boost-to-midwest-cities/>
May 15, 2015
< http://www.rejournals.com/2015/05/15/clang-clang-the-trolley-and-streetcar-are-coming-to-provide-a-boost-to-midwest-cities/>
Dan Rafter
< http://www.rejournals.com/2015/05/15/clang-clang-the-trolley-and-streetcar-are-coming-to-provide-a-boost-to-midwest-cities/>
[image: kansas city streetcar image]
< http://www.rejournals.com/wp-content/uploads/2015/05/kansas-city-streetcar-image.jpg>
A rendering of the Kansas City streetcar in action.
Husch Blackwell attorneys Doug Stone and David Richardson have learned a
lot about streetcars and trolleys.
They can tell you why a streetcar isn't the same thing as a cable car and
why a trolley isn't the same thing as a trolley coach.
Richardson and Stone aren't trolley buffs. The attorneys learned their
streetcar trivia through hard work.
Stone and Richardson have each played key roles in guiding streetcar and
trolley projects to the construction phase in the St. Louis and Kansas
City, Missouri, areas, with Stone providing key legal advice to city
officials in Kansas City and Richardson doing the same in St. Louis.
It's not easy to guide urban public-transportation projects from the
planning to the construction phases.
But the projects in the St. Louis and Kansas City markets have cleared the
legal hurdles that could have scuttled each of them.
That's good news. Both Stone and Richardson say that these
public-transportation projects will provide an economic boost to the cities
through which they will travel.
"Frankly, I think that most of the economic development community in Kansas
City will tell you that the streetcar is a game-changer," Stone said.
"Kansas City has been flirting with a variety of light-rail, streetcar-type
projects since the mid-1990s but has not been able to get the citywide
support necessary. Now it is becoming a reality, and it is going to make a
major impact."
And in St. Louis?
"The hope is that this will be an economic development engine," Richardson
said. "We are already seeing signs of that."
*The power of light-rail*
St. Louis and Kansas City aren't the only Midwest cities to turn to
light-rail public-transportation projects for an economic boost.
In Detroit, construction crews are building the M-1 RAIL streetcar project
that city officials hope will speed economic recovery efforts in the city.
And in Minneapolis, the city's new light-rail system is earning praise for
creating jobs and bringing new development to previously under-served
The hope is that the Kansas City and St. Louis pojects will drive new
development — encouraging new retailers, restaurants and offices — along
their lines.
[image: Here's what the St. Louis Loop Trolley will look like.]
< http://www.rejournals.com/wp-content/uploads/2015/05/st.-louis-loop-trolley-image-2.jpg>
Here's what the St. Louis Loop Trolley will look like.
Stone said that since the announcement of the Kansas City streetcar
project, the city has seen $100 million in development that is solely or
partly attributable to the new streetcar line.
Stone said that new residential developments are already under
construction. New enterainment venues are opening, and hotels are being
built, all in downtown Kansas City.
"When I first moved to Kansas City in 1993, the downtown was a ghost town,"
Stone said.
"There's been a steady drive to rejuvenate the downtown since, and it's
paying off. This is building upon itself with the advent of the streetcar
"There is a huge buzz surrounding the downtown. Developers are coming to us
from other cities. Just 10 years ago, that never would have happened."
Richardson said that the Loop Trolley project in St. Louis is causing some
of the excitement in both St. Louis and neighboring University City, the
two metropolises in which the trolley line runs.
Construction on the St. Louis line started in late March.
But since the announcement of the new line, Washington University has
finished construction on a new student-housing project with a first-floor
grocery store and restaurant, and other restaurants are popping up along
the trolley's route.
Developers and investors have been buying up real estate in the areas
served by the trolley, Richardson said, and have plans for their own new
"We had a period in which we had a lot of historic rehab projects going on
with loft spaces," Richardson said.
"We had a good run of eight years or so for that. Then 2008 and the
recession slowed us down. Now we are seeing downtown rehab projects
starting up again. It's good to see this activity."
*On schedule*
Both the Kansas City and St. Louis projects are moving along on schedule.
In Kansas City as of May 1, 71 percent of the track for the streetcar
project is built, with 15,430 feet complete out of 21,771 total feet needed
for the project.
The city has announced, too, that 96 percent of water and sewer
replacements and upgrades are complete, while more than 100 power poles
have been installed.
Construction crews have buld the line's first streetcar stop at 16th and
Main streets.
All construction is scheduled to wrap in the fall of 2015.
The streetcar system will then go through a run of testing. City officials
say that the line will open to the public in 2016.
Construction on St. Louis' Loop Trolley project is in the earlier phases.
But the work is proceeding on schedule.
Once complete, the new trolleys — designed to look like historic trolley
cars — will travel a 2.2-mile fixed-route line linking University City and
Forest Park in St. Louis.
The line will include 10 stops, including a big one at the Missouri History
Construction of this line began March 23 with the installation of a
permanent roundabout on Delmar Blvd. in University City.
Trolley track construction was scheduled to begin late in May. City
officials say that the line will begin service in late 2016.
Gaining approval for each of the projects was not an easy task.
Stone and Richardson helped in this process, assisting the city on a wide
range of financial and planning matters.
In Kansas City, the streetcar project is funded through a sales tax paid by
consumers and special assessments paid by the property owners and
commercial tenants in a limited special district.
Earning the support of the property and business owners in this district
took time, with Stone saying that planners and city officials went through
almost a year's worth of meetings with the business community.
The meetings were necesssary to convince the business community that the
streetcar project would provide them with a significant economic boost.
"We had some convincing to do," Stone said.
"Luckily, we were right about the positive impact that the streetcar
project would have.
"At this point there is some sentiment among the business community that
perhaps we should expand the line. I think if you spoke to the business
owners who were at first wary of the plan, you'd find almost unanimously
that they now think this was the right decision."
In St. Louis, gaining the funding for the project was a challenge,
Richardson said. The Loop Trolley is a $48 million project. The federal
government provided some small grants to get the project started, providing
about $25 million. The city created a TIF district for the St. Louis
portion of the route that added an additional $4 million of funding.
Then project officials turned to the New Markets Tax Credit program to
provide yet more funding, Richardson said. This program, created in 2000 to
spur reinvestment in low-income or struggling communities, was created as
part of the Community Renewal Tax Relief Act of 2000. There weren't
examples, though, of this program being used to fund public-transportation
But in St. Louis, the New Markets Tax Credit program provided millions of
needed dollars for the trolley project.
"That was a very innovative and unconventional approach," Richardson said.
Today, both Richardson and Stone are waiting to see the full impact that
the cities' new public-transportation projects will have.
But already, the attorneys are seeing benefits.
The time is right for new public transportation because so many people
today want to move into the hearts of cities.
Already, there is more activity — and more residents moving in — in the
middle of St. Louis and Kansas City.
"I went to downtown Kansas City the other night and it was like New York
City," Stone said.
"The streetcar project will only help spread that activity throughout the
center of the city."
*[end text]------*
*Edward B. Havens*
*Tucson, Ariz
Sue Pischke, AP
Operators of a 63-year-old coal-fired passenger ferry that carries people and cars across Lake Michigan between Wisconsin and Michigan have made the necessary environmental improvements to keep the vintage vessel in service, U.S. regulators announced Thursday.
The 410-foot SS Badger launched in 1952 can carry 600 passengers and 180 vehicles. It's the last coal-fired steamship operating on the Great Lakes and normally runs from May to October. It is scheduled to resume service Friday between Ludington, Michigan, and Manitowoc, Wisconsin.
SS Badger, last of coal-fired steamships in U.S. waters, gets new lease on life
The U.S. Environmental Protection Agency said inspectors this week confirmed that Lake Michigan Carferry Service Inc. "has taken all the steps necessary to permanently stop the discharge of coal ash" into the lake.
Used with permission of Frank Hicks from the April 9, 2015 Hicks Car Works Blog.
History of Chicago Surface Lines 2843
Our Next Program:
Friday, March 27, 2015
1900 hrs / 7:00pm
University Center (Map)
525 S State St Fl 2
Chicago, Illinois
One block north of Harrison Street Red Line station
Celebrating the Centennial of George Krambles
My Uncle George
By Art Peterson
Come join us for an evening with Art Peterson as we celebrate the centennial of the birth of his uncle,George Krambles. We'll take an intimate biographical look and celebrate the life of one of CERA's founders and former CTA executive director.
BY EDITOR on MARCH 13, 2015 • ( 0 )
Eric Bronsky shared these photos taken at 56th Street and 1st Avenue in Kenosha during a Skokie Park District Seniors outing on March 11. Having helped to plan the trip to the Kenosha Public Museum and the nearby Jelly Belly warehouse, Eric ensured that a streetcar ride would be one of the day's highlights.
The "Pittsburgh" PCC car (ex-TTC 4609, built by Canada Car & Foundry in 1951) was operating that day. The ride definitely scored points with the group. For some, this was perhaps their first streetcar ride in decades. Overheard: "I remember riding this streetcar in Chicago!"
Coincidentally, only the day before, Jelly Belly publicly announced plans to close their Wisconsin facility and relocate to Tennessee.
PS- CERA is a strong supporter of the Kenosha streetcar and we have featured it in several previous posts. You can find these here.
Originally posted on The Trolley Dodger:
Originally posted on The Trolley Dodger:
This is the second installment in our ongoing series featuring color pictures of Chicago streetcars. (You can read our earlier post here.)
As always, half the fun is trying to guess some of the locations where we do not have the information. I am always surprised at how knowledgeable and clever some of our readers are.
CTA 7216 southbound on route 22.
If you can help us out with some of the missing facts, please let us know. Each picture has an image number (for example, the first picture is #585) so please refer to the image numbers when discussing individual photographs. As always, you can bring up a larger version of each picture in your browser by clicking on it.
Unfortunately, we don't know the names of the shutterbugs who took these pictures. When we do know who pushed the button, rest assured we will always give proper…
View original 480 more words
It's August 28, 1936 on north Ashland Avenue, and time for a parade. One week earlier, streetcar service had been extended north of Cortland in one of the final extensions under CSL. Prior to this time, this portion of the route had run on Southport, two blocks to the east. North Chicago Street Railroad "Bombay roof" horsecar 8 is ahead of the experimental 1934 Brill pre-PCC car 7001. Ironically, the older car survives at the Illinois Railway Museum, while 7001 was scrapped in 1959. Check out the barber stripes on the 7001's trolley pole.
Our earlier feature Chicago Streetcars in Black-and-White has been very popular, so here is another heaping helping of classic photos by some of the greatest railfan photographers of all time. As always, clicking on each picture will bring up a larger version in your browser.
If you can share some interesting tidbits of information about these…
View original 732 more words
In 2001 Piet Schreuders wrote to me from his home in Amsterdam postulating (correctly) about the tunnel appearing at the conclusion of Laurel and Hardy's 1930 comedy short Another Fine Mess. Apart from being an internationally acclaimed graphic designer, and creator of Furore Magazine, Piet's amazing list of accomplishments include writing The Beatles' London, a guide to The Beatles' shooting and filming locations; co-founding The Beau Hunks music ensemble, which recreates the LeRoy Shield musical scores played during the Hal Roach Studio comedies; and creating a virtual reality computer model of downtown Culver City as it appeared when Laurel and Hardy filmed there so frequently in the 1930s. Piet has also…
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Click to enlarge each image. 1930 vs. 1958. Stan and Ollie (well, their stunt doubles) ride south down Sunset Blvd. from Grand at the conclusion of Another Fine Mess. Palmer Conner Collection.
We will visit and view traction operations in the Pittsburgh area. Electric traction in Pennsylvania proved to be an enduring institution, with many lines surviving into the 1950s. Even today, we can still ride electric cars in the Pittsburgh and Philadelphia areas.
Pittsburgh Railways PCC 1467, built in 1941 by St. Louis Car Company, is preserved at the Pennsylvania Trolley Museum in Washington, PA.
Two DVDs will be shows, with footage transferred from movies.Pittsburgh Railways 16 mm color footage from 1951 to 1963, features interurbans, suburban, and city lines back in a time when it seemed that streetcars could be found everywhere in Pittsburgh. A combination of PCC cars and older equipment will make this trip back into the past an enjoyable experience.
West Penn Railways features Greensburg to Uniontown main line and the branch to Latrobe. Tight curves, spectacular bridges, and steep grades were all part of the West Penn experience that made is so memorable.
Our Annual Meeting will take place between showing of the two DVDs. Three candidates will be elected to the CERA Board of Directors, and administrative reports will be presented.
PS- CERA Bulletin 145, published in 2012, covers the Pittsburgh Railways story in great detail:
Transit in the Triangle Volume 1
A Century Look at Pittsburgh Public Transit
by Blaine S. Hays and James A. Toman
You can purchase a copy here.
Pittsburgh Railways had a very attractive logo, as seen on PCC 1711 at the Pennsylvania Trolley Museum.
West Penn Railways car 739, now preserved at the Pennsylvania Trolley Museum.
Copyright 2018 Central Electric Railfans' Association. All Right Reserved
Central Electric Railfans' Association is a 501(c)3 non-profit organization. P.O. Box 503, Chicago, IL 60690


text:
I own 1 public IP with a NAT configuration, a domain with 3 subdomains and I would like to run 3 servers behind this IP and use certs.
Example :
Server 1 - HTTP port : 10080 - HTTPS port : 10443 - serv1.domain.com
Server 2 - HTTP port : 10081 - HTTPS port : 10444 - serv2.domain.com
Server 3 - HTTP port : 10082 - HTTPS port : 10445 - serv3.domain.com
Is it possible to generate a cert on each server, even if port 80 or 443 is not available ?
Or perhaps I can run a 4th server on 80/443 to generate certs then transfer each cert to each server ?
Thank you !
Hi @NicCo83
no, that's not possible.
http validation -> port 80 is required.
Thank you.
And what about the DNS-01 challenge ? It also uses the port 80 or 443 ? Or it doesn't care how port is used ?
Thank you.
Hi Nic,
Its sounds possible if you use the 10080 port and redirect to port 80 and the same with 10443 to port 443 in your router.
space invader one on youtube has an example to what is almost what your trying to do
Thank you but he uses a reverse proxy, and I would like to connect directly to my servers.
Is it possible to generate a certificate on a server A then copy files needed (fullchain.pem, privkey.pem, chain.pem, other?) to the server B ? And if yes, is it necessary to install certbot to the server B ?
Thank you.
This topic was automatically closed 30 days after the last reply. New replies are no longer allowed.

subset: commoncrawl


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- This event has passed.
Thursday MTB – North Table and Cannonball
September 19, 2019 @ 6:00 pm - 8:00 pm
This week: North Table with Cannonball Brewery. Meet at the lot off 93. Ride. Go to Cannonball and drink a few beers. Done.
This is a SHOW AND GO ride. Meet up at the trailhead and go have fun. This is a BYOB and food ride! So if you want to have a beer and eat something, bring it.
When we return from the ride, please take a minute to police the parking lot area for garbage left by others. Let's give back to the parks and leave them a little cleaner than when we arrived!
How we roll! We will break into a few different groups. Race pace group will ride out ahead of the rest (No Angry Strava Nazis!). Fun group will roll out and regroup at the intersections. Social group will ride at their own pace and may decide to change routes due to time restraints. Try to ride with someone new, or someone slow, or someone who has never been here before, or someone new to Mt. Biking. It's getting dark around 7:30 so you will want to Bring Lights just in case of a mechanical, in fact, go grab your lights and put them in the charger now so you don't forget. Remember to practice trail etiquette and be nice to others. We may have grills in the parking lot for the after ride festivities. Bring your Brats, Burgers, and Beers, and jackets and chairs, or refreshments for enjoying after the ride. If the ride gets rained out we will visit a local brewery for libations.
We love our Thursday night tradition and want to keep it going for years to come. So we need to make sure we observe some common sense guidelines so that we don't become a source of complaints to park officials. We don't know of any complaints to date so let's keep it that way!
– We are guests at the park. Even though we're sometimes a big group, we don't own the place.
– Share the trail and observe good trail etiquette. If you are new to riding, ask the ride leader for a quick primer!
– Don't block traffic in the parking lot.
– Ride leaders will provide trash bags, so be sure to use them. Please do not place trash on the ground even if you intend to pick it up later!
– To avoid attracting wildlife, throw peanut shells away in the trash bags and not on the ground.
– Be careful with glass containers (like your beer bottles).
– Leave the park cleaner than when we arrived!
– Be welcoming and inclusive to strangers, and be respectful to other trail users (yes, even runners, hikers, fisherman and equestrians).
Thanks everybody. See you at the trailhead!


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These may not be the usual blockbuster hits or Grammy-award-winning releases. Nevertheless, they have captured the attention of many in YouTube. Watching a stranger going through the motions of daily life has fascinated millions of people around the world. Lifelogging is all the craze as people turn to a detached artificial memory to record their life history. Vicon has now licensed the technology developed by Microsoft, Sensecam, to allow one to capture the nondescript daily activities of one's life.
The life-logging Vicon camera uses accelerators and sensors to detect light or heat to take potentially significant shots every 30 seconds if necessary. For Alzheimer's sufferers who face the threat of losing moments of their life even as they live them, this camera can help to capture some of these memories. Reviewing the daily activities is also thought to be useful for dementia patients to delay or mitigate memory decay. Worn around the neck, the camera is user-friendly and costs $820. It has 1 GB memory which can store up to 30,000 images.
While the camera will be initially targeted at researchers, it is expected to retail in 2010 for the consumer market. The potential is huge as children studying away from home can send their parents their daily life log while lovebirds in long-distance relationships can get a boost from this technology.


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Under Vanity Double Level Spinning Storage Rack Champagne (Beige) - 88 Main
$14.24 $14.99
Find Utility Shelving at Target.com! • Steel with a champagne finish • Upper level has a railing • Lower level accommodates most hair products and cleaning products • Spinning action • Easy to assemble The Under-Vanity Double-Level Spinning Storage Rack from 88 Main offers convenient bathroom storage with a chic look. It easily holds toiletries or cleaning supplies to help keep your cabinet tidy.
Browse all deals at Target
See more in Home Organization
* This offer may contain time-sensitive information and offers. Please check with Target to confirm actual price & availability.
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1235 Point Mallard Parkway Se
1235 Point Mallard Parkway Se
Decatur, AL 35601


text: Welcome Ashley Heck To The Mortgage TeamAshley HeckMortgage Loan OfficerTelhio Credit UnionAshley Heck joined Telhio Credit Union in 2019 with 16 years of experience in the mortgage and sales industries. Prior to joining Telhio, she served as a Senior Real Estate Lending Agent at Nationwide Bank.As a Telhio Residential Mortgage Loan Officer, Ashley is responsible for finding the best fit for our members when purchasing or refinancing a home and providing the best service available. She also handles incoming leads from Telhio's website, call center, and branch referrals.When she isn't helping members find the right mortgage, Ashley enjoys traveling, spending time with family, and volunteering. She regularly volunteers for the Ronald McDonald House Charities of Central Ohio, Mid-Ohio Food Bank, Westerville Area Resource Ministry (W.A.R.M), the Memorial Golf Tournament, and Central Ohio Hunger Relief.Ashley and her husband live in Westerville with their two children. Return to the news archive


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Each season we always endeavour to deliver new styles that we think our customers will love. Drawing on the popularity and versatility of our hand-knitted ear-warmers we decided for AW19 we needed to expand our range and options for this category. We're so thrilled to say we have two new styles – the knotted ear-warmer and the cable knit headband. Both styles come in a variety of colours and have a snug fit. They're knitted in 100% pure cashmere.
We hope you love the versatile cosy colours we've chosen, if you have any questions or colour suggestions that you'd like to see please do email us firstname.lastname@example.com.
We love this gorgeous classic ear-warmer in cosy Ivory (below). So chic and perfect with all skin tones.
Below is our new knot ear-warmer, it is made from 100% cashmere and has a snug fit to ensure your ears are kept toasty during the colder Winter months!
Below you'll see our cable headband, we especially love the gorgeous cable texture and stitch detail. So cute for winter and great if you're looking for something you can just slip on and off during busy days indoors and outdoors.
Photography by Anette Schive & David N Anderson


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President Muhammadu Buhari on Thursday stated that the Federal Government would no longer handle agriculture as a development program but rather as a serious business.
This is in a bid to diversify the economy.
Alhaji Umar Farouk the Permanent Secretary, Federal Ministry of Mines and Steel Development who spoke on behalf of the President in Calabar, saying the government will focus on helping the private sector agricultural endevours.
"Agriculture must cease from being treated as development programme; Agriculture must be treated as business."
"Our goal will be to pursue government supported private sector agriculture value chain to make agriculture more productive, efficient and competitive.
"To provide enough food for domestic supply and create jobs through agriculture value chain."


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Border Patrol agents seize over 200 pounds of marijuana at a checkpointPosted on May 12, 2009
On May 12, 2009 Border Patrol agents performing checkpoint operations on Interstate 8 in Pine Valley seized over 200 pounds of marijuana hidden inside three vehicles.
The largest seizure took place at about 10:15 a.m., when Border Patrol agents at the checkpoint stopped a Dodge Dakota pickup truck with license plates from Baja California. A Border Patrol canine team was summoned and alerted agents to the presence of contraband. A search of the inside of the truck led to the discovery of 40 bundles of marijuana stuffed into the dashboard area. An additional 16 bundles were discovered inside all four tires of the truck. The 56 bundles of marijuana had a combined weight of approximately 154.6 pounds.
Other drug seizures at the Interstate 8 checkpoint included a 9 a.m. vehicle stop that involved the discovery of 23 bundles of marijuana hidden inside a compartment under the floorboard of a Mercury Cougar driven by a 20-year-old male resident of Calexico, Calif. Also around 1:30 p.m., agents stopped a Volkswagen Jetta driven by a 23-year-old male Mexican national and seized 19 bundles of marijuana crammed inside the vehicle's spare tire.The total weight of marijuana from these three seizures was 203.2.
The drivers and the illicit narcotics were turned over to a multi-agency drug task force.
Source: US Customs and Border Protection


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People caught up in the working world must all pay close attention to the topic of retirement. While most people are thinking about how they will retire comfortably, many of them don't know how to start planning. This article will go over some of the important things you must know about it.
Consider taking up a class or studying a foreign language in your retirement years, to keep your mind sharp. While relaxing is all well and good, the old saying "use it or lose it" applies in your golden years. Keep your mind active and focused, or you may risk becoming forgetful during the most fun years of living!
If you take a lot of medications and are living on a fixed income in retirement, consider a mail order drug plan. These plans can help you to get a three to six month supply of maintenance medications for less than the drug store charges. You also get the convenience of home delivery.
If your employer offers a retirement plan, invest in it. Many employers offer a matching plan which increases your savings, so make sure you invest at least up to the matching amount. In addition to saving for retirement, a 401k plan will help lower your income taxes every year.
Consider paying off your mortgage when you cash out any retirement funds. For most people, the mortgage is the biggest bill each month. If you can pay it off, you can substantially reduce your monthly debt, making it easier to live on a fixed income. You will also have substantial equity in your home to pull from in an emergency.
Learn some interesting hobbies that you can continue when you retire. You will have a lot of time on your hands during your golden years. Hobbies and classes will keep your mind sharp and energy going. Something like art and photography are popular choices because they are not too physically demanding.
Consider downsizing in retirement. When it's just you and your spouse, you no longer need a large home and two car payments. When you downsize, you can reduce your monthly debt which makes it easier to enjoy retirement more. Consider an apartment, town home or even a small single family home that will adequately meet your needs without breaking the bank.
If your employer does not offer a retirement plan, ask if they would be willing to start them. There are several easy to operate a retirement plan. One of the easiest plans to begin is a 401k plan. If your employer decides to offer a 401k plan, see if the employer will offer a matching plan.
Make as many contributions to your 401K as possible. First, of course, you need to find out if your company offers a 401K plan. If they do, then this should be your primary saving concern. Not only will they offer smaller taxes, but they often match your investments if they meet the requirements.
Do the math and figure out how much money you need to live. If you ever hope to live without working, then you'll need to have that money saved ahead of time in your retirement plan. Figure out how much it costs you to live comfortably and this will give you some form of saving goal.
Diversify your retirement savings. Do not put all of it into bonds or stocks alone. Always keep some in bonds, but do slant more towards stocks the younger you are. Even within stocks, there are further options ranging from conservative dividend producing stocks to more risky but growth oriented value stocks.
Think about reverse mortgages. In this way, you can stay in your existing home and use funds built up in your home equity. The money doesn't need to be repaid while you are living; the money will be returned from your estate once you die. This is just one easy way to get much needed money to tide you over during retirement for necessities.
Talk with those that have retired recently about the pitfalls that they experienced. You can learn a lot from others and what caught them by surprise. It may seem simple to just retire, but there are definitely issues that may surprise you. Your friends and family members can help lead you through it.
Find out what your benefits from the Social Security Administration will be. Though they will mail you an update each year, you can also go online to obtain this information at any time. This will give you a good idea of how much you will receive when you do retire.
Make sure that your portfolio is well balanced. How you break up your money and invest it is often more important than what you invest it in. If you don't know much about investing ask for help! You can find a broker who will manage your assets for you.
Don't feel bad if everyone you know doesn't suddenly have time for you after retirement. It may look like you're being left out, when in fact people are still running the old rat race. Those who retire often fell lonesome or isolated, but it's up to you to find things to do and people to do them with!
Have your papers in a row, including your will and power of attorney. Those people will make health and financial decisions for you if you cannot do it yourself. Naming them can mean that they care for your home and pay your bills to keep you from financial ruin.
Work your retirement budget down to the dollar. You are going to have finite funds at your fingertips, so it's important to know how much you can spend. Spending too much can put future years in jeopardy. It may become too costly for you a decade down the line.
Retirement planning is a crucial part of life. You may think that you have lots of time to plan, so you put it off. The tips here can show you the truth. Starting right now, think about it and get started!


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Board honours memory of Ruth Thompson
The Peel board honoured the memory of Ruth Thompson, former trustee and vice-chair of the board who passed away on April 30. Thompson served as trustee for 36 year, including 13 years as vice-chair. After a moment of silence, trustees spoke of Thompson's commitment to students and how she mentored fellow trustees, while providing extraordinary service to students, staff and the community.
Peel board recognizes Asian Heritage Month
Peel board schools are holding events throughout May in honour of Asian Heritage Month. In addition, more than 500 students participated in the Spotlight on Asian Heritage events at the HJA Brown Education Centre on May 7 and 8.
Humberview Secondary School students, Anushree Joshi and Iain Wong, along with Pradeep Shenthur-Rajah, vice-principal of Humberview, provided trustees with an overview of the month and its significance in the Peel board as it relates to the goals of diversity, equity and inclusion. Students from Lancaster Public School, under the direction of teacher Satwinder Osahan, performed a bhangra dance.
"As Canadians, we're grateful for the contributions from various cultures that have made significant contributions to our country's rich history," says Tony Pontes, director of education. "Our schools will take part in numerous activities throughout the month to help celebrate the achievements and contributions of Asian Canadians."
Board recognizes 2012 Excellence in Eloquence Winners
The board congratulated Christian Giggey from Sir William Gage Public School and Jayde Lavois from Caledon Central Public School for winning the 2012 Excellence in Eloquence speaking competition. Giggey performed his winning speech for trustees.
Board receives update on work of Mississauga Library Board
Mississauga Public Library Board Chair Brad Hutchinson updated the board on the library's activities and initiatives.
Peel board celebrates partnership with Big Brothers/Big Sisters of Peel
Peel District School Board Chief Social Worker Jim Van Buskirk, Shari Lynn Landanchuk, executive director of Big Brothers/Big Sisters of Peel provided information to the board to update trustees on the partnership withBig Brothers/Big Sisters of Peel.
Peel board teachers receive OSSTF Excellence in Education Award
The board congratulated the following teachers for receiving the 2012 Ontario Secondary School Teachers' Federation Excellence in Education Award:
Xiaoping Chen, Glenforest Secondary School
Sean Coroza, Central Peel Secondary School
Helen Dea, Judith Nyman Secondary School
Albert Fong, Glenforest Secondary School
Karen Haley, Judith Nyman Secondary School
Dennis McWhinney, Judith Nyman Secondary School
Marlon Sherland, Sandalwood Heights Secondary School
Schools honour police officers during Police Appreciation Week
The Peel board is paying tribute to police officers during Police Appreciation Week from May 6 to 12. Peel students and staff will show their appreciation for the work done by police to protect schools, homes and communities.
Board approves funding for Truck and Coach program
The board approved a $200,000 budget for the purchase of tools
for the Bramalea Secondary School Truck and Coach Program. The funding will come from the board's general reserves.
Board approves expropriation of land for replacement of Alloa Public School
The board approved the expropriation of a 10.08 acre parcel of land in the Town of Caledon for the construction of a replacement of Alloa Public School.
IBM Canada Inc. undertakes Active Directory project
The board awarded the Classroom Management System, Imaging Solution and Active Directory Design and Implementation Project to IBM Canada Inc. This project is part of the board's Vision for Learning and Instructional Technology and will help schools to transition to a new educational environment.
Trustees elected to OPSBA Board of Directors
Trustees David Green and Rick Williams were elected to serve on the Board of Directors of the Ontario Public School Boards' Association (OPSBA) for the 2012-13 school year. Trustees Beryl Ford and Vice-Chair Suzanne Nurse were elected as alternates.
New SEAC member appointed
Nancy Leaton has been appointed to represent the Autism Ontario on the Special Education Advisory Committee.
Board sets summer board meetings
The board will hold one board meeting on Aug. 28 at 7:30 p.m. during the summer. If required, a board meeting will also be held on July 24 at 7:30 p.m.
Trustees recognized the contributions and years of service of the following staff who are retiring effective June 30 unless otherwise indicated:
Diane Allman, business specialist
Pamela Ayers, teacher
Jennifer Aziz, teacher
Sharon Baranowski, teacher, will retire July 31
Jean Barna, teacher
William Bekkers, teacher
Joao Botelho De Sousa, teacher
Donna Boyko, teacher
John Brazys, teacher
Elizabeth Bromley, teacher
Barbara Brooks, teacher
Laurie Cadieux, teacher
Janice Carson, teacher
Carol Castillo, teacher
Rita Chin, teacher
Theresa Coulthard, principal, will retire Aug. 31
Bernice Cutler, office assistant, will retire July 13
Mary Eldridge, teacher
Ronald Finn, teacher
Mary-Ann Fratia, teacher
Nicola Galifi, teacher
Anna Gambino, teacher
Catherine Haire, teacher
Joel Hartling, principal
Brian Hawryluk, teacher
Catherine Higgins, teacher
Shelley Houghton, teacher
Shizuko Isojima, office assistant, will retire June 29
Peggy Jarvis, teacher
Erik Jarviste, teacher
Lesley Jones, teaching assistant, will retire Aug. 31
Sylvia Jones, teacher
Margaret Keenan, assistant to superintendent, will retire Aug. 31
Anthony Kershaw, teacher
Dianna Knight, teacher
Stevan Kraguljac, teacher
Marion Lavery, assistant to superintendent, will retire July 31
Eleanore Mander, teacher
Blaine Marshall, head custodian, will retire July 27
Linda Mattison, office manager
Noreen McKechnie, library technician
Joseph Meleca, teacher
Joseph Mercier, teacher
Margaret Morden, teacher
Elisabeth Morley, teacher
Judy Mountjoy, teacher
Peter Mukts, teacher
Debbra Mulkins, teacher
Colleen O'Neill, teacher
Wendy Parker, teacher
Joel Pearson, teacher
Catherine Pelletier, teacher
Teresa Pennacchietti, teacher
Mark Phemister, teacher
Carmen Pimentel, office manager, will retire July 31
Judith Prattes, teacher
Giovanni Quaglietta, head custodian, will retire June 29
Vernley Richardson, office manager
Lesley Risinger, principal
Heather Ritchie, teacher
Georgine Robinson, teacher
Kareen Rollings, teacher
Alanna Roy, teacher
Jonathon Ruhnke, teacher
Glen Saunders, teacher
Mary Scagnetti, office assistant, will retire May 28
Nancy Schmidt, teacher
Dean Scully, teacher
Ellen Shilton, teacher
Lois Smith, teaching assistant, will retire Aug. 31
Cheryl Somerville, teacher
Jane St Onge, teacher
Peggy Stang, teacher, will retire July 31
Joanne Stanley, custodian, will retire June 29
Annie Staveley, teacher
Jan Steen, teacher
Amanda Towe, teacher
Donna Vetter, teacher
Mary Watson, teacher
Deborah Wesley, social worker, will retire June 29
Ann Whittaker, information resources technician
Susan Yeung, teaching assistant
The next regular meeting of the board of trustees is May 22, 2012 at 7:30 p.m.
[email protected]
5650 Hurontario Street, Mississauga ON Canada L5R 1C6
905-890-1010 or 1-800-668-1146


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Great Choice for the Best Travel Cases
When our destination is located
in a different time zone, our internal clock (circadian clock) is disturbed and
the famous "jetlag" awaits us! Fatigue, restless sleep and loss of
appetite are the most common ailments. When you have diabetes, it is important
to be well prepared, especially when the jet lag exceeds three hours. In this
case, you should plan an adaptation of your treatment with your doctor, if you
are on insulin. Here are 7 good tips for managing jet lag with confidence.
I ask about jet lag
First thing to do: know the time
difference between France and the country of arrival. When it is less than 2 or
3 hours, modification of the insulin regimen is, in principle, not necessary.
However, you will have to check yourself more frequently. For that the insulin travel case is essential.
I discuss it with my doctor
Regardless of the time difference, it is important to raise the subject with your doctor before the trip. It will help adjust the insulin treatment if necessary (for example, adding a dose).
When the difference is greater
than three hours, a change is necessary but it will not be the same depending
on whether you are traveling west, you will have to add insulin or east, you
will have to take less .
Your doctor will be able to adapt
your treatment not only for the stay, but also to approach the return. We will
leave with a free spirit.
The day before departure, I relax
In order not to be exhausted as
soon as you get on the plane, you must try to rest the day before departure.
This implies having prepared your suitcase a few days in advance, to avoid any
last minute stress.
Before, during and after the flight, I
spare myself
Whether you have diabetes or not,
to suffer less from the famous jet lag, it is advisable to rest as much as
possible during the flight and not to consume stimulants (coffee, alcohol,
tobacco, etc.). Once there, the first day, you should try to limit your
physical activity and your exposure to the sun. For the diabetic travel case also the requirement is
I take my treatment when necessary
Keep in mind that the body always
needs insulin, including between meals. By plane, we think of his fast insulin
when the meal is served. When you wear a pump, you make the necessary boluses
based on meals and blood sugar.
I only change the time of my watch or my insulin pump once I am there
First, leave your watch at the
time of the country of departure and this for the duration of the flight. It is
not set to local time until arrival.


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NAEMT president begins 2-year term
Dennis Rowe said he is looking forward to addressing the national issues that are important to EMS providers
By EMS1 Staff
WASHINGTON — The new president of the National Association of Emergency Medical Technicians began his term at the beginning of the month.
Dennis Rowe will serve two years as NAEMT president; he is also a corporate leader at Priority Ambulance.
"At Priority Ambulance, we are honored to have industry leaders in our company who will help shape the future of emergency medical services," Priority Ambulance CEO Bryan Gibson said.
The NAEMT board serves more than 55,000 members nationwide; the president acts as CEO and oversees all aspects of the association's operations.
"I am honored to be able to take this leadership role and assist NAEMT in its mission to be a unifying voice of advocacy for our profession," Rowe said. "By working with employees throughout Priority Ambulance's national network, I can offer perspective from diverse vantage points on issues that impact EMS professionals across the country. I look forward to addressing the national issues that are important to our employees and all EMS professionals."
As director of new business integration for Priority Ambulance, Rowe is part of the corporate team that designs and implements integration plans as new ambulance companies join the company's national network.
Rowe also served as East Tennessee director of operations, managing ambulance transports and communications centers for Priority Ambulance. He was previously the trauma coordinator for the Level One Trauma Center at University of Tennessee Medical Center.
- Tags
- Paramedic Chief


text: The Multimillionaire White Mohammedan Nobel Laureate Joker President, the biggest recipient of donations from despicable and demonized BP (though nobody seems eager to report this fact) and a man who would never, never use his family for publicity purposes under any circumstances, used his youngest daughter, Sasha, 9, in a staged publicity stunt but a couple of days ago. The apparent aim was to promote tourism in the oil stricken gulf area by taking her into the water and drowning her then bringing her ashore to prove there was no oil in her lungs. The plan only went awry when the ocean quickly washed the two of them ashore having had enough of slick in recent times. It also thought the two of them might start building a mosque in its depths. As can be seen from this photograph of the event, although only nine years old, Sasha's appearance is already giving rise to rumors about her true parentage.


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28 June, 2007
Gray Week
For the last year the combination of yellow and gray has been everywhere, so what could be a more appropriate follow-up to Yellow Week than Gray Week? The week after next, my friend Richard will be guest blogging all about the color gray, so stay tuned!
*PS: This lovely gray teapot is up for auction here on Ebay.
Posted by deerseason87 at 3:47 PM
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75 lbs. TANDEM self closing, 3/4 extension concealed drawer runner with zinc coated steel profiles. Features concealed roller carriages with permanently lubricated synthetic rollers to create a smooth running action. Blumatic spring loaded self-closing action automatically keeps drawer front from touching the cabinet when closing. Locking devices enable easy drawer insertion and removal. Has a force guided right side and 1/16" tolerance compensating left side. Sold in pairs.Note: B552H-9-03 52F-9-03 has a special 7/8 extensionLocking Devices: BT51-170L and R purchased separatelyRear mounting brackets: B295-375 purchased separately
TANDEM 552H for 5/8" drawer thickness Additional InformationAdditional Info 1


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is currently on order. We will ship it separately in 7 to 10 days.
The large ceramic V60 from Hario just got a whole lot more beautiful, with this gorgeous soft pink version.
The V60 is a superb coffee brewer. You can make delicious filter coffee, with very little effort; its swirling ridges and large opening on the base make for great cone brewing. You will need large paper filters (sold separately), and with the large V60, you can brew directly into a jug or coffee pot. It'll make enough coffee for 3-4 cups.
(it also comes in red and white)


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There is a well-documented connection between the abuse of animals and abuse toward humans.
"Researchers have found that between 71% and 83% of women entering domestic violence shelters reported that their partners also abused or killed the family pet. And another study found that in families under supervision for physical abuse of their children, pet abuse was concurrent in 88% of the families" (DeViney, Dickert, & Lockwood, 1983; cited in The Humane Society of the United States).
Beginning in 2015, the Saskatchewan SPCA has been working to find out if concern for the safety of companion animals and livestock a barrier to individuals leaving situations of interpersonal violence and abuse in Saskatchewan and what networks can assist in such situations.
PATHS assisted in conducting this research, along with STOPS to Violence and the Community Research Unit at the U of R. Read/download the full report titled The Link: Interpersonal Violence and Abuse and Animal Safekeeping (2016) here or read the recommendations.
Work on the recommendations from this report is ongoing, including work to strengthen networks for animal safekeeping in Saskatchewan.
Vist the SPCA website to find out how you can protect your animals, what services are available, and how you can report a suspected case of animal abuse.
The Saskatchewan SPCA is hosting a conference focusing on the link between animal abuse and interpersonal violence, Sept. 21-22, 2017 in Regina. More details on their website.


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It's been a great year for property. Not only have we had some fabulous houses for sale in Leicester, but Leicester house prices have been on the up too.
This all comes despite the looming figure of Brexit which left many concerned for a detrimental effect on the market.
In 2017, the East Midlands did well, with house prices rising at more than three times the pace of London in the past year.
According to the Office for National Statistics (ONS) property prices in the region rose by 7% in the year to October – the fastest in the UK.
Not only that, our East Midlands region, which includes Nottingham, Derby and Leicester, again saw rents rise fastest, going up by 2.7%.
The kind of properties that were up for sale
According to Rightmove, the majority of sales in Leicester during the last year were semi-detached properties, selling for an average price of £185,143.
Terraced properties sold for an average of £154,380, with detached properties fetching £305,312.
Leicester, with an overall average price of £197,703, was more expensive than nearby Aylestone (£149,377) but was cheaper than Clarendon Park (£228,446) and Stoneygate (£271,350).
Overall sold prices in Leicester over the last year were 4% up on the previous year and 18% up on the 2014 level of £167,236.
Brexit implications for 2018
When the announcement was first made about Brexit, many feared disastrous implications for the British economy, which included a big hit to the housing market.
However, as times have moved on and the wheels have got in motion, more and more people are forecasting steady results, especially for areas outside of London, such as the East Midlands, East of England and the North West.
According to professional services firm PricewaterhouseCooper (PwC), we will see average UK house prices rise by an annual four per cent a year until 2025. Other, slightly less exuberant companies think prices will remain flat with Brexit, stamp duty and political uncertainty taking its toll on the market. The general consensus is that price rises will remain muted overall next year or there will be a rise that is smaller than in other years. But a rise, nonetheless.
When it comes to buying and selling a property, we must always remember that much of the driving factor is that people need to move house at the time, because of their job, or their family size is changing. And this will always happen, whatever is going on in the world of politics.
Demand for housing still remains high too, so this, in turn, will keep prices on an upward motion (albeit a slightly slower one).
Reassuringly, there has been little to no comment that Brexit will cause a sudden fall in the price of a property, which is excellent news for people looking to sell and move on to somewhere new in 2018.
Why you should sell your house with Readings
If you are looking to buy or sell a property in Leicester, then it always pays to find an agent with a wealth of experience, truly good knowledge of the local area, its house prices and the housing market in general. You can even receive a free instant online valuation right now.
It also helps that they know the kind of things that makes properties appealing to the buyers in the area, in order to help you achieve the best possible price.
At Readings, we take pride in being able to offer an estate agency that can give you just that.
If you have any questions to ask, or would like to enquire about buying or selling a property, get in touch with one of our experts today.


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Culley's Applewood Hot Sauce
Brand: Culley's
Product Code: CUL-APPLE
Availability: In Stock
Culley's Applewood Hot Sauce. Beautiful smoky flavour with a great amount of heat from the Chocolate Habanero pepper.
|Product Specifications
|Tomatoes, Red Capsicum, white wine vinegar, Chocolate Habañero chilies, onions, liquid applewood, garlic, palm sugar, salt, spices, and pepper.
|Bottle Size
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- About Us
- Membership
- Advocacy
- Education
- Insurance
- News & Events
- Career Center
|Allied Member Search
The Kansas Restaurant & Hospitality Association is proud to present our Buyer's Guide. The businesses listed in the buyer's guide have all made the commitment to support our industry by becoming a member in KRHA and we would like to encourage you to utilize this valuable resource when making important purchasing decisions. Allied partners offer added benefits to KRHA members and we hope you will consider the products and services they offer.
7/7/2020 » 7/7/2021
ServSafe Manager Online Courses and Online Proctoring
ServSafe Manager - Olathe: Sept 22
Kansas Restaurant & Hospitality Association, Thank you! They have done a wonderful job and we have become very dependent on their services. Their staff is outstanding in their assistance and guidance. I would recommend them to anyone seeking their services. Thank you!
Chuck Vecchiarelli
"I would tell someone considering membership in KRHA, that their involvement in KRHA will not only potentially save them a lot of money thru their insurance products, it will also help them thru the Education Foundation and the educational products that we offer like ServSafe training, the insurance products and their ability to have their voice heard at the state and national level."
Bob Carmichael


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We begin processing your order as soon as it is received. Orders ship Monday - Saturday via the USPS. Tracking information is provided.
Standard shipping is Priority; however if you would like your item shipped Next-Day Express, please let us know and we're happy to accommodate you.
We do offer international shipping! We're happy to ship to you via USPS or another carrier if preferred.


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South Korean university elects lesbian student leader
One of Seoul's most prestigious universities has elected a lesbian as student leader, igniting tensions between the younger and older generation. Most students say they don't care about their leader's sexuality, while the religious older generation has decried the election as scandalous.
Gay actor Ian McKellen is on the Academy Award speaking circuit, and The Guardian has collected some of the better tidbits, from how he had to be taught the missionary position for a heterosexual role, to how X-Men was "full of the most amazing divas."
Hope and fear on the Transgender Day of Remembrance
Nov 20 marked the Transgender Day of Remembrance, marked by journalists taking a hard look at the past year's progress and failings. BuzzFeed marked the most violent year on record against trans people in the United States by visiting one neighborhood in Detroit where three trans women were killed in as many months. Slate celebrated what trans people can teach the world, and applauded trans resilience in the face of violence and discrimination.
Portugal votes for same-sex adoption
Five years after legalizing same-sex marriage, Portugal has voted to allow same-sex couples to adopt. Before the bill becomes law, however, it must be approved by conservative President Aníbal Cavaco Silva, who opposed same-sex marriage in 2010.
LGB US lawmakers anger supporters by opposing refugees
Three out LGB US lawmakers voted for a bill last week that would effectively block Syrian refugees from entering the country. LGB people took to Twitter to criticize the vote, saying it showed unseemly bigotry from lawmakers who ought to know better. The political action group Gay and Lesbian Victory Fund, despite pressure, declined to drop support for the three.


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Break Away SEO: Google Is Testing A Car Loan Calculator Quick Answer Box
- November 30, 2015
- Break Away SEO
Google is checking a brand-new lending interactive calculator for vehicle repayments. This was found by both Dr. Pete Meyers as well as Kyle Sanders just recently. It feels and look a great deal like the Google home loan calculator function that Google introduced in February of this year.
I am directly unable to duplicate this, however right here is a photo from Moz:
As you could see, you could go into the lending quantity, the rate of interest as well as the duration of the lending, then Google will certainly reveal you your regular monthly repayments. You could likewise toggle to see the optimum lending quantity, also.
Will we quickly see vehicle loan with Google or perhaps a method to purchase, lease or fund your brand-new automobile with Google Contrast AdWords Advertisements? Perhaps?
The article Google Is Checking A Vehicle loan Calculator Quick Response Box showed up initially on Online search engine Land.
Omaha Search Engine Optimization Company|An Omaha Website design Company
92 West|Demand A Search Engine Optimization Quote
| This was identified by both Dr. Pete Meyers as well as Kyle Sanders just recently. Will we quickly see vehicle lendings with Google or perhaps a method to get, lease or fund your brand-new vehicle with Google Contrast AdWords Advertisements?
Omaha Web Design Agency | aha Web Design Agency">Omaha Web Design Agency | New York Web Design Agency | aha Web Design Agency">Omaha SEO
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For years Amy and I have religiously waited for Anna to go to sleep, writing small notes in our best tooth fairy handwriting, frantically rushed around searching for change at 11pm and snuck into her room and swapped bloody teeth from under her pillow. Late last week, it turned 9.40pm and Anna's tooth had come out days before and she duly popped it in a bag under her pillow. Tired and wanting to go to bed, with Amy already snoring her heart out in bed and not well, I took a gamble and prepared the reward and note as usual, sneaking into Anna's room thinking that she would be asleep already, tired from the heat and her day at school. A couple of minutes later she came through and enthusiastically told me that Boxer had been (having forgotten to come the previous two nights - bad parents!) I went to bed and thought nothing of it, thinking I had got away with it! In the morning, Anna approached me and in her usual stark and blunt manner said 'you do realise I caught you putting your hand under my pillow, Boxer is not real, is he?' At this point panic set in, but also a huge sense of relief that I no longer had to do this late at night shenanigans each time a bloody tooth came out. Lucy was present for this conversation and urged me to continue the ruse, I am afraid I buckled under the parental pressure and stated that 'she had me and we were just helping her for all these years to use her imagination, but Santa is real!' Why I said this I do not know, as I could have gone to bed early this year on Christmas eve. Muppet! Later that week Anna sent me a lovely text saying 'Never mind dad, its not your fault, I really enjoyed all the notes from Boxer - you are the best dad ever!' Now there is a child who knows how to play her parents and twang their heart strings. Lucy when she discovered this simply said 'creep!' Does this mean I don't have to part with any more cash Wiggle?
Monday, 21 May 2018
Sunday, 13 May 2018
If only she could follow instructions!
Life just races by. Every week blurs into one and by the time you realise it, the weekend's gone and you are back into the grind of the working week. Lots gone on in the family Hammond to catch up on, some frustration, one hilarious moment and some proud parental moments too. My eldest daughter Lucy is beautiful, finding her confidence and growing up at a speed I cannot fathom. Now needing grown up conversations about personal hygiene and adult things, Amy is shouldering the burden of such things. Glad I am not involved in these and that Lucy only wants to talk to her mother at present, although I am currently bracing myself to cock it up if needed! A week or so ago, Amy and Lucy spoke about the need to shave legs and under the arms. Lucy popped in the shower and sorted this out. On coming out, she declared to her mother she had sheaved her arms too! After much laughter Amy and I composed ourselves, but could not resist a slightly sarcastic jibe in the morning! Not sure if the issue was in the clarity of the instructions or the stupidity of the recipient - we will never know! I am so glad she did see the funny side. Not good parenting I hear you say, nothing that Lucy would not have said to any of us. She is after all developed in her sarcasm usage and at 'Ninja' level. Anna despite high levels of moody and grumpy continues to excel on the football pitch. Now with an interest in goal keeping pulled off the save of the season yesterday, tipping a stinging shot over the bar to stop the opposition equalising. It was truly a sublime save and one I wished I would have been able to capture on video. Then people would realise it is not just parental bias driving my description of her heroics, I can tell the world I was there on this epic day, even though they may not believe me......
Posted by Bob Hammond at 16:44 No comments:
Monday, 7 May 2018
It would be rude not too!!
It has been a stunning bank holiday weekend, with warm sunshine basking over the wonderful Norfolk countryside. Sadly with Mrs Hammond spending the weekend beavering away at an outstanding work project, it has been left to me to entertain and stimulate the girls. The menu of enjoyment has been simple with not much choice on offer - sunshine, ice cream, plenty of fluids, relaxation and much eating Hammond style. My parenting skills probably do not go beyond this - so stick with what you know! We've been fossil hunting, eaten way too much ice cream, lots of penny gambling in the arcades and had a potter around a very packed Wells. The best excursion organised by my children's entertainment unit (me) was a nostalgic one for me. A picnic prepared by Anna by Walsingham ford, right next to my childhood home. I could see Berry Hall in all its splendour in the spring sunshine and it brought back many childhood memories. I loved watching the girls play where I had once done so, paddling and playing poo sticks. The odd shout of 'car', to avoid getting splashed was heard too! A lovely and unusually warm bank holiday weekend. Shattered now and going back to work for a rest!
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The downside of compromise
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Sometimes the surest way to log a "win" is to strike a compromise. We saw this play out with enactment of the Dodd-Frank Act and creation of the Consumer Financial Protection Bureau. NAFCU and its board vehemently opposed the bureau having any rulemaking authority over credit unions – other groups folded.
This was one compromise that hasn't worked out well. The CFPB's reach is ever expanding and CUs are forced to deal with the growing compliance burden.
Case in point: compliance deadlines for the amendments to the mortgage servicing rules, the new Home Mortgage Disclosure Act rules and the bureau's final rule on prepaid accounts all converge this fall.
All these current and pending rules are why NAFCU has been locked in a fight with the CFPB over how it should not be regulating the credit union industry.
This is not to say that NAFCU and its members don't support the CFPB's goal of protecting consumers—we do. Consumers need protection from predatory lenders and other unscrupulous actors. However, CUs did not participate in the activities that led to the 2008 financial crisis that the bureau was created to address.
NAFCU was the only financial services trade association to oppose the bureau's rulemaking authority over the CU industry, and our position has not changed.
For example, NAFCU strongly challenged the CFPB's authority over credit unions in 2009 when Price Chopper Employees FCU President and CEO Dawn Donovan testified, "NAFCU … opposes extending this authority to credit unions."
Over time, and in subsequent testimony, the association has held to these views. In 2015, then-SRP FCU President and CEO Ed Templeton said, "As expected, the breadth and pace of CFPB rulemaking is troublesome, and the unprecedented new compliance burden placed on credit unions has been immense. Many smaller institutions simply cannot keep up with the new regulatory tide and have had to merge out of business or be taken over."
Our staunch opposition to credit unions being under the CFPB's authority was not a particularly popular or easy position to take. The NAFCU Board of Directors and our lobbying team stood strong and did not bow under political pressure throughout these negotiations. NAFCU always serves in the best interests of the association's members and the industry as a whole. That will not change.
NAFCU knows the credit union industry is in need of regulatory relief, and the easiest way to get that would be to pull credit unions out from under the regulatory authority of the CFPB—or, at the very least, limit the number of rules from the bureau that would apply to credit unions. To that end, NAFCU has also repeatedly urged the CFPB to use its exemption authority under Section 1022(b)(3)(A) of the Dodd-Frank Act to exempt credit unions from the bureau's rulemakings.
No one—especially not a government bureau—knows the individual financial needs of members better than the credit unions that serve them. NAFCU will continue this fight – with no compromise—so credit unions can continue to operate in the upright manner they always have for their 106 million members.


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Vincent and The Doctor is discussed and Martyn reviews the Big Finish audio 'The Boy That Time Forgot'.
"Vincent and the Doctor" is the tenth episode of the fifth series of British science fiction television series Doctor Who, first broadcast on BBC One on 5 June 2010. It was written by Richard Curtis and directed by Jonny Campbell and featured an uncredited guest appearance from actor Bill Nighy.
Intrigued by an ominous figure in Vincent van Gogh's painting The Church at Auvers, alien time traveller the Doctor (Matt Smith) and his companion Amy Pond (Karen Gillan) go back in time to meet Van Gogh (Tony Curran) and discover that Auvers-sur-Oise has been plagued by an invisible creature, known as the Krafayis, which only Van Gogh can see. The Doctor and Amy work with Van Gogh to defeat the Krafayis, but in their attempt to have Van Gogh realise his legacy through bringing him to the future they ultimately realise that not all of time can be rewritten and there are some evils which are out of the Doctor's reach.
Curtis, inspired by the fact that Van Gogh never knew he would be famous, had the idea for an episode centred on him. He left the script open to criticism from the crew and made many revisions as a result. Curtis wanted to portray Van Gogh truthfully, rather than being cruel by writing jokes about his mental illness. Most of the episode was filmed in Trogir, Croatia, and many of the sets were modelled after Van Gogh paintings. The episode was watched by 6.76 million viewers on BBC One and BBC HD. Reception to the episode was mainly positive. While the amount of emotion in the episode was debated, many reviewers praised Curran's performance as Van Gogh, but that the Krafayis was not a sufficiently threatening "monster".
The podcast is available from all good podcast services, such as;
Audioboom, Player fm and Itunes.
Follow the Bad Wilf team:
Martyn – @BadWilf
Pete – @BeeblePete
Gerrod – @ingerrodsmind
Check out the Bad Wilf Vlog.


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Cover Story: Making Content Pay
Few things have received more buzz in publishing recently than the notion that publishers need to start charging for content online. While this conversation has proven to be somewhat cyclical in the years since the advent of the Web, ebbing and flowing with the relative success of bringing in ad revenue, there is growing evidence that the twin factors of changing consumer perceptions (iTunes and, more recently, Rupert Murdoch have put paying for digital content firmly on the public's radar screen) and sheer economic necessity may finally have forced publishers to abandon the idea that their product can be supported solely through advertising, no matter how targeted those campaigns may be.
"While online ads are growing, the rich get richer, as it were," Scientific American's Bruce Brandfon notes of the current situation. "Google's share grows, Yahoo's share grows … massive sites get bigger, and the little individual sites are left picking up the crumbs." Unwilling to pad the offerings of search engine giants and content aggregators with little to show in return, a variety of publishers are charging for some or all of their online content. The strategy does entail risks, as page views can initially fall dramatically, but the industry is banking on consumers once again getting used to the idea that valuable content is worth paying for.
Content behind paywall: Exclusive research, how-tos and case studies related to marketing
Rate structure: Basic (free), Pro (subscription plan costs $279 annually), supplemental paid content and events
Thanks to the Web, anyone can be a "publisher"—and this can be great if you're looking for live updates on breaking news or a variety of opinions on the best way to grow orchids. For the business-to-business community, however, time spent swimming through oceans of content online is money, and quality, trusted content is something professionals are increasingly willing to pay for. This is the view behind MarketingProfs' approach to offering useful content to marketers online, whether it be webinars, articles, blogs, case study collections, training or research. "We offer our subscribers a guide to what matters in marketing—a beacon of light through the sea of information," says Chief Content Officer Ann Handley.


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Northern Raccoon, Procyon lotor
Filename: NORA_007560.jpg
Copyright © Rolf Nussbaumer Photography, 2323 Bretzke Lane, New Braunfels, TX 78132, USA, www.rolfnp.com, Tel. 210 643 4800
Copyright © Rolf Nussbaumer Photography, 2323 Bretzke Lane, New Braunfels, TX 78132, USA, www.rolfnp.com, Tel. 210 643 4800
adult, adults, animals, animal, fauna, wildlife, backyard, backyards, behaviour, behavior, behaviors, brown, canyons, Close-up view, Close-Ups, Valley, Valleys, canyon, close-up, deserts, desert, faces, face, Full Lenght, Ups, closeup, closeups, view, color, drinking, drinks, females, female, green, heads, head, Hill Country, image, mammals, Mammalia, mammal, night, dark, males, male, Natural, natural world, nature, nights, nobody, photo, ponds, Lakes, lake, north america, american, Northern Raccoon, One Animal, outdoors, outdoor, pond, portraits, portrait, Procyon, Procyon lotor, Profile, reflections, mirrored, raccoons, Carnivora, Procyonidae, raccoon, reflection, Side view, Single, Southern United States, spring, texas, southern, southwestern, texan, time, usa, United States, america, Uvalde County, vertebrates, vertebrate, vertical, water, waters, wetlands, wetland, woodlands, Forest, Woods, forests, wild, woodland


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A highly-selective, experiential career development program for Florida's best and brightest young CPAs
The Florida Institute of Certified Public Accountants (FICPA) announced that Travis Ouimet has been accepted into the 2019-2020 Class of its Emerging Leaders Program. Travis is among 27 individuals in this year's class, representing the rising stars within the Florida accounting community.
FICPA's annual program is designed to strengthen and amplify the leadership skills of FICPA's Young CPA members, build a peer group network of talented and motivated CPAs, and develop the future influencers of the profession. Program events will be held across the state in Tallahassee, Jacksonville, Tampa, Orlando, Ft. Lauderdale, and Miami. Participants will engage locally with thought leaders from the accounting profession, local and state elected officials, community not-for-profit champions, and leadership development experts.
The Emerging Leaders Program creates an environment in which young CPAs are able to engage in a dialogue about statewide and national issues impacting the profession, establish strong professional relationships, and be inspired to take the next step forward as leaders. Following the program, all of the participants' efforts will culminate at the Emerging Leaders Summit, taking place this winter.
For more information about the FICPA's Emerging Leaders Program, visit emerging.ficpa.org and follow #ficpaEL
The Florida Institute of Certified Public Accountants is the premier professional organization representing Florida's Certified Public Accountants in the state. In addition to serving the diverse needs of its membership, its mission is to enhance its members' competency and professionalism; support professional standards; and advocate on behalf of the profession. www.ficpa.org


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Snapped: FYF Fest 2016, Los Angeles
A two-day showcase of music for the LA tastemakers
Despite the loss of major electronic events in the heart of Los Angeles, the city still remains in touch with its progressive musical roots with the annual return of FYF Fest.
Now in its 13th year, the two-day festival finds a home at the iconic Exposition Park, which circles the famed Coliseum venue in downtown Los Angeles. FYF taps into the indie tastes of LA music heads, featuring bands like LCD Soundsystem, hip-hop standouts like Kendrick Lamar, Rae Sremmurd, Young Thug, left field acts that left audiences in awe like Grace Jones and Grimes, and electronic mavens like Moby, The Black Madonna and Bicep.
Sunset in combination with the glorious Los Angeles Coliseum sign made for the perfect backdrop for attendees who packed out the venue from afternoon 'til evening.
Though FYF - unlike Goldenvoice's other more publicized events - seems to float just below wide public attention, the show seemed to be a favored choice for surprise guests to make their appearances. Grimes defeated a wardrobe and technical malfunction and brought Taiwanese rapper Aristophanes out with her while Lady Gaga made a surprise appearance later alongside Tame Impala as they finished up their final track.
The following day, Blood Orange was joined on stage by a squad of collaborators off his latest album, including Carly Rae Jepsen, Nelly Furtado, Zuri Marley and Sky Ferreira. Later on the Woods stage, The Black Madonna was joined by Robyn as she performed alongside the producer's official remix of 'Indestructible'.
See what you missed at FYF Fest 2016 above.
[Photos: Jamie Rosenberg]
Valerie Lee is Mixmag's US Digital Editor. Follow her on Twitter here


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Last Sunday I had the privilege of wearing the Ireland colours to compete in a test race for the Olympic mountain biking on the 2012 Olympic course in Essex.
An amazing opportunity to line up with such a small number of competitors at the invitation only race, the majority of whom will be racing in the real event next summer. Mel Spath and I travelled over from Ireland on Friday and spent two days getting to know the course.
Initially we weren't impressed. The course ticked all the boxes with technical climbs, rock gardens, jumps, switchbacks, and steep drops, but it all felt too manmade and clinical, and to me seemed to suck the soul out of mountain biking.
I can't compare it to anything I've ever ridden before. When you're not riding a carefully constructed technical rock section, you're on incredibly wide but very loose hardpacked tracks that are like riding on marbles at times, but there is no natural singletrack, woodland or roots that would be characteristic of the area.
Some of the technical sections were good fun though and took a look of concentration to get down cleanly, pre-race claims that you could ride it on a cyclocross bike are certainly not true. I concluded that it was best to reserve full judgement until after the race since that can often change things. I was right.
Race day and things started to get nerve racking. Protocol was followed to the letter and it was a real taste of what riders will experience next summer. 15 minutes before the start we were called out of the high security private riders area (protected by Ghurkhas!) to ride round and round the start loop with 5000 spectators lining the hill above and commentators introducing each rider.
Called to the start line, counting down the seconds it was just me and 33 of the top riders in the world, very high calibre but at least fewer people to try and pass than in a World Cup. Bang, we charged off sprinting around the start loop at a blistering pace.
The first part of the lap was chaos, getting stuck behind people dabbing, stopping or running every time we hit a technical section so a combination of sharpened elbows and careful timing was needed to avoid losing time. Eventually things strung out a bit and I could get into a rhythm.
The scorching sun and 30°C temperatures (yes in England), combined with the relentless nature of the course made for some really tough racing. A lot of the climbs included carefully placed rocks to make you attack out of the saddle or loose switchbacks that require some strength, and at the top with lungs burning and legs full of lactic it was hard to stay composed as we went straight into physical rocky descents.
UK races are normally not the best for atmosphere but the crowds were amazing, the Ireland kit was useful and it was great motivation to have loads of people shouting my name or 'go on Ireland'.
The course is very well designed for spectators with plenty of chances to get close to the technical spots and an amphitheatre area gives views across the course so you can follow the race as it progresses.
The laps were very short with the winners completing one in around 15 minutes so I was battling to stay in the race as long as possible. I was pushing on the limits for a lot of the race and by lap 3 the effort started to take its toll with a Dutch girl I had been chasing starting to get a gap.
Frustratingly I suspect a calf injury that has plagued my season is not resolved enough to survive top pace for the full length of a race yet, since slowing down and feeling them tighten up seems to correspond and has been a problem a few times recently.
At the end of my 4th lap I was pulled due to the 80% rule, finishing 25th and quickly ushered over to the press to give interviews and sign some autographs – how pro. An annoying end but the experience was amazing and I want more of it!
Too late for Ireland to qualify for 2012 but I now know exactly how fast I have to be in 5 years time. Watch this space.
Cait Elliott


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College students' essay professional writing isn't a simple task. They typically have to write lots of essays to succeed in college. Today you're ready to start creating a school essay. Professional authors should write how a college student composes. The main point to note about college creating is the dissimilarity between an increased school essay together with a college level article. It's likewise commonly utilized as a very first assignment for faculty writing classes. Custom essay composing stems from studying different angles around that one clear subject.
For others, a houndstooth design does the trick.
Because you're enhancing a college essay, additionally you had better have adequate back ground with all the matter being discussed. Coupled with a superb composing plan, the easy structure is able to assist you to turn up essays quite quickly. Students utilizing an issue in composition writing shouldn't feel dissatisfied as our writing business which has qualified authors that are always there to be sure they solve any educational issue. As a means to have among the greatest documents one ought to choose the help of the coach at each phase of either the custom or illustrative essays. You will need to erase all of the kinks within your article. Writing college documents has become the ambitious information on the college application procedure and it really is additionally furthermore among the most important. Additionally, university admissions officers may inform you the final admission composition that's evaluated has a drastically more difficult time being true and distinctive compared to the initial one which is reviewed. Of the solitary most necessities before going to School is always to finish the college admission strategy. You'll find that actually beyond university, you are going to have that natural impulse to spend some time writing.
It is that mysterious time of the season.
Faculty creating is a trying class for lots of new students. In the event the essay is incorrectly formatted and modified, you'll have a poor standing by means of your student customers. Take some time to research all the information which is needed for your own college article. Authorship a faculty essay provides this kind of exemplary exercise for people who move on into the industry planet. Coherence is the solution to an exemplary composition. Secondly don't summarize the total contents of your own college essay in your Opening, if you summarise the complete document, the gun do not need to examine the remainder of your composition! It's potential for You to list different kinds of illustrative essay topics first after which pick the group on which you'd like to write down.
The eic table can vary greatly annually and credentials are subject to change.
There are a lot of people techniques to structure your composition. Every among the descriptive essay subjects have their specific specific composition topics. Moreover, it's great to decide the descriptive essay issue which you're understood to. Pick the best author you know. This article comprises guidance which will help you produce an essay your professor may be glad to read. They will insure your essay will not appear to be anyone else's. That is, utilize an opener which will be important to your own article topic.
Hearing skills might be boosted via a number of corresponding note-taking and question-asking.
Get numerous eyes or seasoned basic essay pros which will give you a hand. Then, review the article for a complete. The very first article is simply compared to it self. Just just just as in any article you create, you will need to be sure the reason for your own article is really apparent. A dissertation declaration symbolizes the debate the article would love to show. It's actually a announcement in what the composition is about.


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TaskUs Names Powerhouse Chief People Officer
SANTA MONICA, Calif. - October 25, 2018 - TaskUs, the leading back office and customer support solutions provider for high-growth tech companies, today announced it has tapped Mike Ferguson to be TaskUs' first Chief People Officer. Ferguson will play a crucial role in preserving and continuing to build TaskUs' reputation as a "people first" employer as the company embarks on another year of global expansion.
"Mike knows how to create and maintain programs that support an exceptional culture because he's been doing it for over twenty years," said CEO Bryce Maddock. "Mike managed a workforce larger than our 14,000, so we are confident he brings the insight and values that fit our culture."
As CPO, Ferguson brings two decades of experience in HR strategies and programs for international organizations. He comes to TaskUs after spending 12 years with Chipotle Mexican Grill, where he was the Head of People Support, building a global organization with over 70,000 employees across five countries. Ferguson brings expertise in designing and implementing management programs that attract, motivate and retain top talent. His experience with a large global workforce is a natural fit for TaskUs, which is ramping up for another year of employee growth and expansion into new countries.
Ferguson earned a Bachelor of Arts degree in accounting from the Eli Broad College of Business at Michigan State University and a Master of Business Administration from Wayne State University in Detroit. He is married with two teenage daughters and will work out of his Denver office spending a significant amount of time traveling to TaskUs' global offices.
About TaskUs
TaskUs provides next generation customer experience that powers the world's most disruptive companies through the partnership of amazing people and innovative technology.
We provide Ridiculously Good strategy and business process outsourcing utilizing revolutionary technology and the best talent to deliver transformational, digital scale. To find out more visit www.TaskUs.com.


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BEST MARIJUANA DISPENSARY IN Sand Hills 7462 Sussex County
h2>Looking for the Best Marijuana dispensary in Sand Hills, then you've come to the right place.
CannabisSativaPhd.com aims to bring the ultimate local directory of cannabis dispensaries in the world. You have reached the local dispensary page for Sand Hills 7462 New Jersey. Once NJ legalizes marijuana for recreational use, it will mean the options to get your cannabis will be greatly increased, and we want to make it easier for you to find and locate the best local dispensary.
Here are some of the factors to consider when picking a local cannabis dispensary in Sand Hills.
- Quality of the Marijuana at the specific dispensary.
- Dispensary options in Sand Hills
- Safety of the dispensary neighborhood in 7462
- Marijuana Dispensary security and safety of the block in Sand Hills
- Variety of strains available at the dispensary
- Does the store deliver to 7462
- Price of weed
- Accuracy of the marijuana selling weight
- Do they sell edibles
If You are looking for Marijuana Dispensary in a city near Sand Hills– See our city dispensary list below.
- Vernon Center
- Vernon
- McAfee
- Highland Lakes
- Independence Corner
- Highland Lake
- Kampe
- Vernon Valley
- Rudeville
- Papakating
If you are Marijuana/Cannabis Dispensary Owner in the area that would like to rent this city page for Sand Hills please contact us, to have the most prime real estate on the internet.
Search on google to see our rankings:
Marijuana Dispensary Sand Hills
Marijuana Dispensaries in Sand Hills


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Skin issues that Dry and sensitive skin beauties face is just not describable. It is really hard to find the right products to your skin, isn't it? Mainly a perfect face wash that suits your skin type. We wash our face at least twice daily and choosing a wrong face wash is just not acceptable in good skin care routine. But are there really face washes for your skin type you ask? I don't know, research is on. Let's see how many I can find them to compile them into a post. Till then, Try this simple 2 ingredient DIY Aloe Vera face wash at your home and tell me if this is of any use to you.
How to make a simple Aloe Vera Face Wash for dry and sensitive skin
1. 99% Pure Aloe Vera Gel (Find the Best Aloe Vera Gel available in India from here)
2. Unscented Liquid Castile Soap (I use this One- VEDI unscented Liquid Castile soap )
3. Lavender essential oil (Optional)
Why Aloe Vera Gel: The real question here is, why not aloe? It's a great go-to for anything skin related, helping to heal abrasions to soothing sunburns. Aloe gel contains glycoproteins and polysaccharides. Polysaccharides are vital to help with skin growth and repair, as well as retaining moisture.
READ:7 Best Ways to Use Aloe Vera Gel in your skin care routine
Glycoproteins are, simply, a carbohydrate attached to a protein. There's a lot of talk about them reducing wrinkles, but I wouldn't go that far. But when combined with polysaccharides, they form substances that compose the skins intercellular matrix, which keeps skin cells and structure intact. Basically, intercellular matrix is a fancy way of saying the stuff that holds layers of skin cells together. It keeps moisture in, and bad things out. For the record, there's more to the intercellular matrix than just glycoproteins and polysaccharides, but that's information for another day.
Why Castile Soap: Pure castile soap is vegetable oil based, as opposed to tallow (animal fat) based which is found in most of the soaps these days. It's gentle and efficient, and removes make-up, dirt, sweat, and excess oils from your skin. It's the main cleanser in this wash. Castile soap is specially beneficial for sensitive skin as this is made with just plant oils. It gently cleanses your skin without irritating and drying out your skin more unlike other foaming soaps available in the market.
READ: Liquid Castile Soap Vs Castile Soap Bar
Why Lavender Essential oil: The lavender oil helps cleanse your skin and lessen redness and irritation.Since lavender has antifungal properties and reduces inflammation, it can help keep eczema at bay. It soothes and nourishes the skin — treating acne, healing dry skin, and reducing the appearance of dark spots and scars caused by acne.
Procedure to make your own DIY Aloe Vera Face Wash :
1. Take one small cup of Liquid Castile soap and add 2 tablespoons of Pure Aloe Vera gel into it. Mix them well.
2. Now add 6-8 drops of Lavender essential oil into it and stir gently.
3. Store this liquid in a small bottle and label it as Aloe Vera Face wash so that it will be easy to recognize it later (specially if you are a DIY person like me and have many such bottles filled with toners, sprays and all in your cupboard)
Take enough amount of this face wash and wash your face as you normally would. Wash with normal cold water at the last to close the pores.
You can store this face wash up to a month on shelf.
Are you following me on Instagram @smartgirlsblog?


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Friday Movie Matinee
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Friday Movie Matinee
Join us for a free matinee for adults and teens. We will be watching Cinderella Man starring Russell Crowe and Renee Zellweger. Rated PG-13.
- Date:
- Friday, March 8, 2019 Show more dates
- Time:
- 1:00pm - 3:00pm
- Time Zone:
- Central Time - US & Canada (change)
- Location:
- Learning Lab
- Categories:
- Adult Crafts & Fun
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Brigid Day


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Watch the video below from Ryan Schulte, a partner in financial advising from Envision Wealth Group. Ryan has been working with dental students and dentists for many years. He says one of the biggest things people are noticing across the country is the mess being made from lack of personal financing. Budgeting is important! The digital age makes it too convenient to venmo your friends, set "auto-reload" to your Starbucks account app, or buy pretty much anything by synching your credit card with the Target app. On average, people are only saving 3-4% of their income. We should be aiming for around 15-20% in savings. Shocking, but with hard work and dedication, you'll be happy you did!
Watching this video reminded me of the financial session presented by Todd Cockrell, DMD at the 2014 ASDA National Leadership Conference entitled, "Debt Management and Financial Decisions for the New Dentist." His presentation stressed the importance of having a clear vision. He spoke about preparing yourself today for the brighter tomorrow. Dr. Cockrell says a big problem is newly graduated dentists not saving enough money after graduation. "Only 1 out of 100 dentists know the number or amount of money they must save each month to reach their goals and achieve their milestone events in their career." According to his analysis, it will take the average student between 10-25 years to replay their loans. The actual number will depend on which repayment plan you choose.
Standard Repayment : pay equal monthly payments over a maximum 10-year period. Higher monthly payments resulting in a lower total interest cost over the life of the repayment period. This plan would be good if you are trying to lessen the total interest cost of your loans.
Extended Repayment : This elongated plan allows you to stretch your repayment over 25 years. Monthly payments are lower over the span of the loan. Total interest costs will be much higher over the time of repayment.
Graduated Repayment : An incremental increase in loan repayment over years. Your first years of repayment will be only paying back your loans, as payments increase over years. Amount of years allowed for repayment varies.
Income Contingent Repayment : Based off of your yearly income and loan money that still needs to be paid off. This plan is not as popular as IBR, or income based repayment. This plan must be applied for each year, where your income is reassessed. The maximum time for repayment is 15-25 years. Find out more here.
Income Based Repayment : Payments are made based on 15% of your discretionary income. This means the amount of household adjusted gross income which exceeds 150% of he poverty level in the state you live. Not for usual repayment. To qualify you must be going through a "partial financial hardship."
Want to know more?
You can download Dr. Cockrell's presentation by clicking here.
Do you have any financial questions? Ask them in the comments below or e-mail them to firstname.lastname@example.com. We'll answer them in a future Money Monday post!
~Neek LaMantia, San Francisco, '16, electronic editor


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You have probably heard of the Google Home and the Amazon Echo: Alexa, but did you know you can now buy a Havexa™? Get ready, the HVAC (heating, ventilation, air conditioning) industry is introducing their own smart-assistant to reside in your furnace and air conditioning equipment.
Do you and your loved ones bicker over who is turning the thermostat higher and lower? The Havexa can help!
"The Havexa saved our marriage. We always used to argue over the temperature in our place," said Kodi Horn, who is always cold. "But ever since we bought the Havexa, she lets Matt, my husband, know how absurd he is to keep the thermostat cooling at 70 degrees."
The Havexa also offers a listening ear and some light chatting.
"I returned home the other day to an empty house," said Whitney Antwine, a marketing manager for a local Dallas outreach program. "I just asked out of the blue, 'How was your day?' and my Havexa responded, 'Okay, but I may be getting a chill.' It was wonderful to have some conversation."
The Havexa offers advice on different home tasks and personal situations, such as the suggested temperature for washing towels, how hot you look for your night out, or if you truly have time to Netflix and Chill on a Saturday. The Havexa can even predict your mood – all you have to do is place your hand on your heating and cooling equipment and she can tell you how you're feeling. Like a new-age mood ring!
Call Service Experts Heating & Air Conditioning today to ask about placing the Havexa in your HVAC equipment and change your life with your own personal smart-assistant.
Happy April Fool's Day! But seriously, wouldn't it be awesome?


text: The novels of Hermann Broch (1886 – 1951) are often subject of studies that discuss the relation between science and literature. These studies tend to approach his novels as examples of translations, metaphors, or popularizations of scientific knowledge. This thesis aims to counter these models by means of an in-depth ... read more


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Unlike celebrities most of us don't have a special room in the basement to house our hardware. And if you do, let's be friends I can live in one of the other rooms you don't remember you have.
Since we talked about the best race medals Monday and half marathons worth traveling for, I thought I would do some digging for the creative ways that others are displaying them because I know I could use some tips!
Each time we move, I grab a handful of clanging metal and place it in a box thinking "I really should find someway to display my favorites".
Then well…I don't. It's really that simple.
But I'm looking for ways to change that, so here are some of the most creative ideas I've seen for both medals and bibs!
TheRunCommuter.net shared this wind chime of medals from a fellow named Frank.A classy display from World of RJ
Decorate a lamp like I Run Long…I think most of mine would fall over, but what fun. Save them up to get some extra glory over the holidays like Run Janie Run!Or use your bibs to decorate the tree like Daniel!
Then of course there are always medal displays with all kinds of different inspiring words.Runner's World has a round up of 23 more ideas here, including this cool mannequin frame! From NYCRunningMama possibly my favorite idea because I would actually do it! BIB DISPLAY
For those like me who are oddly more attached to your bib than the medals {I think it's because the bib actually did the race with me, we have a sweat bond} here are some cool ideas as well!!!
Crafters get ready for this awesome idea from Half Crazy Mama.
Step by step instructions to make your own race bib tote bag on K and J Colorado.Personally, I was happy just to hang them all over my cubicle wall…now I don't have a cubicle so they too sit in the dark corners of my closet waiting to be fondly seen again…which means I should totally do what Nike did in their Japan store.
And of course you could just wear them like builtbybiel
Are your medals out for all to see?
Are you more attached to your medals or bibs?
Other ways to connect with Amanda
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