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Posts Tagged 'school bus'
Back to school
Pudding is back to school! As usual the bittersweet feeling for me, the house is always quieter without her around, but life is definitely easier for me when school makes up part of her day. She was as happy as can be to go, just needing a couple of extra cuddles to see her through the day. This is definitely going to be our easiest back-to-school transition. We haven't moved, she will be attending the same school, in the same class, with the same teacher. A couple of the older kids have moved up to Kindergarten, but other than that her friends are the same. It isn't hard for her this time, nor for me. I know she will have a good time, I know she is in safe hands, and I trust her teacher to let me know if this isn't the case. It is a thousand times easier waving her off today than the first time I put her on the school bus.
Cubby was mad not to be going on the school bus, and I think a little sad not having his partner in crime here, but he enjoys having me all to himself. But not for long, I have so much to catch up on that I couldn't do with both of them around. I have appointments to make, housework to do, people to call. I'd better get to it…
Short Bus
My baby rides the short bus to school, and I'm okay with it. If you didn't grow up here, you aren't familiar with the network of yellow buses belonging to the school district that round up school-age children and ferry them from a convenient stop near their home to their schools. It reduces traffic congestion, is kinder on the environment, and is safe and reliable. It is free of charge. It clearly signals a beginning and end to the school day for the many kids who need help with transitions. If your child has special educational needs, it gets even better. They pick-up steps away from your home (door-to-door service!) and usually carry an aide who makes sure your child is feeling safe and comfortable.
When Pudding first entered the school system, the members of the IEP meeting checked that we wanted these services. Of course! Who wouldn't? Well, bullying is a sad reality for many children, especially those who are different. Many parents have grown up hearing the pejorative phrase "rides the short bus" to describe people with disabilities, especially mental retardation. They don't want that stigma for their child.
Coming from a place where we don't have school buses, long or short, I just don't have the same perception. The stigma is an entirely cultural construct. Maybe all stigmas are. Pudding and Cubby are Third Culture Kids. They will grow up taking aspects of their parents' cultures, and those of the countries they will live in, and fuse them into their own unique understanding of the world. Even in their country of birth, or their parents' home countries, they are outsiders to the culture. They need never know that there is a stigma attached to something as simple as transportation to their place of learning.
That isn't good enough though. We need to teach our children the value and beauty of difference. We stop the stigma. Spectrummy Daddy was in a conversation a couple of weeks ago with somebody who referenced a third party as "riding the short bus." I'm proud to say he stopped her, and let her know that his daughter rides the short bus every day. If you don't mean our kid, you mean one of her friends. It isn't okay. I don't think that person will use that phrase again without thinking of the hurt they unwittingly cause.
Is one person at a time good enough? Sometimes it has to be. Sometimes it is all we can do. Sometimes though, ideas can take hold and make sweeping changes. When I was growing up in England, the words "spaz" and "spastic" were commonly used as insults. The politically correct era of the 90s saw that those words were revealed as damaging and harmful. Altering our conception of those we were talking about. I'm sure that somewhere you will still find people using those terms as insults, but by and large they have disappeared from the lexicon. Change can happen. In the US media, these terms, along with "retard" are still used. Even in shows which purport to value diversity, main characters still use these words as insults. So we start one at a time saying it is not okay, and one day it will stop.
At their tender age Pudding and her friends know nothing of such stigma, and ride their bus to school blissfully unaware of future insults. Even without the stigma, I didn't always find it so easy to put her on the school bus. Her first day of school, she was so excited to ride the bus. She was wearing her 'school dress' and had her backpack on. She was ready. But I wasn't. That was the first time she had ever left me. As she blew me a kiss, she placed her hand on the window out towards me. That hand in all her three years had never looked so tiny.
So yeah, my baby rides the short bus and I'm okay with it…most of the time.


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"Elective Induction of Labor" (1955), by Edward Bishop
In 1955, obstetrician Edward Bishop, a physician specializing in childbirth, published the article "Elective Induction of Labor," in which he proposed the best conditions for pregnant women to elect to induce, or begin, labor. Elective induction of labor requires an obstetrician to administer a drug to help a pregnant woman to start her contractions, and to rupture the fluid-filled sac surrounding the fetus called the amniotic sac.
Format: Articles
Subject: Reproduction, Publications
Effects of Prenatal Alcohol Exposure on Central Nervous System Development
Prenatal exposure to alcohol (ethanol) results in a continuum of physical, neurological, behavioral, and learning defects collectively grouped under the heading Fetal Alcohol Spectrum Disorder (FASD). Fetal Alcohol Syndrome (FAS) is part of this group and was first defined in 1973 as a condition characterized by pre- and postnatal growth deficiencies, facial abnormalities and defects of the central nervous system (CNS). The CNS is particularly vulnerable to the effects of ethanol during prenatal development.
Format: Articles
Subject: Disorders, Reproduction
The Discovery of Fetal Alcohol Syndrome
The term Fetal Alcohol Syndrome (FAS) was first published in 1973 in an article published in the British medical journal The Lancet. In that article, a group of pediatricians and psychiatrists at the University of Washington Medical School helped to define the morphological defects and developmental delays that can affect children born to alcoholic mothers. Those observations include pre- and post-natal growth deficiencies, minor facial abnormalities, and damage to the developing brain that can result in behavioral, learning, and cognitive abnormalities.
Format: Articles
Subject: Disorders, Reproduction
James Marion Sims (1813-1883)
James Marion Sims developed a surgical cure for ruptures of the wall separating the bladder from the vagina during labor, ruptures called vesico-vaginal fistulas, and he developed techniques and tools used to improve reproductive examinations and health care for women in the US during the nineteenth century. Sims's lateral examination position allowed doctors to better see the vaginal cavity, and his speculum, a spoon-like object used for increased view into the vagina, helped to make gynecological examinations more thorough.
Format: Articles
Subject: People, Reproduction
Human Betterment Foundation (1928-1942)
In 1928 Ezra Seymour Gosney founded the non-profit Human Betterment Foundation (HBF) in Pasadena, California to support the research and publication of the personal and social effects of eugenic sterilizations carried out in California. Led by director Gosney and secretary Paul Popenoe, the HBF collected data on thousands of individuals in California who had been involuntarily sterilized under a California state law enacted in 1909. The Foundation's assets were liquidated following Gosney's death in 1942.
Format: Articles
Subject: Organizations, Reproduction
Charles Robert Cantor (1942- )
Charles Robert Cantor helped sequence the human genome, and he developed methods to non-invasively determine the genes in human fetuses. Cantor worked in the US during the twentieth and twenty-first centuries. His early research focused on oligonucleotides, small molecules of DNA or RNA. That research enabled the development of a technique that Cantor subsequently used to describe nucleotide sequences of DNA, a process called sequencing, in humans. Cantor was the principal scientist for the Human Genome Project, for which scientists sequenced the entirety of the human genome in 2003.
Format: Articles
Subject: People, Reproduction
Social Implications of Non-Invasive Blood Tests to Determine the Sex of Fetuses
By 2011, researchers in the US had established that non-invasive blood tests can accurately determine the gender of a human fetus as early as seven weeks after fertilization. Experts predicted that this ability may encourage the use of prenatal sex screening tests by women interested to know the gender of their fetuses. As more people begin to use non-invasive blood tests that accurately determine the sex of the fetus at 7 weeks, many ethical questions pertaining to regulation, the consequences of gender-imbalanced societies, and altered meanings of the parent-child relationship.
Format: Articles
Subject: Reproduction, Ethics, Legal
Clinica Para Madres (1934-1950)
The Clinica Para Madres (Mother's Clinic) opened in Tucson, Arizona, in December of 1934 as the first birth control clinic in Arizona. After moving to Tucson, birth control activist Margaret Sanger, along with a group of local philanthropic women, founded the clinic to provide Arizona women with contraception. During the early 1900s in the US, contraception was illegal under the federal Comstock Act. Additionally, many viewed contraception and sex as obscene and not to be discussed in public or outside of marriage.
Format: Articles
Subject: Organizations, Reproduction, Outreach
Robert Geoffrey Edwards and Patrick Christopher Steptoe's Clinical Research in Human in vitro Fertilization and Embryo Transfer, 1969-1980
The biomedical accomplishment of human in vitro fertilization and embryo transfer (IVF-ET) took years to become the successful technique that presently enables infertile couples to have their own children. In 1969, more than ten years after the first attempts to treat infertilities with IVF technologies, the British developmental biologist Robert Geoffrey Edwards fertilized human oocytes in a Petri dish for the first time.
Format: Articles
Subject: Experiments, Reproduction
Mitochondrial Diseases in Humans
Mitochondrial diseases in humans result when the small organelles called mitochondria, which exist in all human cells, fail to function normally. The mitochondria contain their own mitochondrial DNA (mtDNA) separate from the cell's nuclear DNA (nDNA). The main function of mitochondria is to produce energy for the cell. They also function in a diverse set of mechanisms such as calcium hemostasis, cell signaling, regulation of programmed cell death (apoptosis), and biosynthesis of heme proteins that carry oxygen.
Format: Articles
Subject: Disorders, Reproduction
Fetal Surgery
Fetal surgeries are a range of medical interventions performed in utero on the developing fetus of a pregnant woman to treat a number of congenital abnormalities. The first documented fetal surgical procedure occurred in 1963 in Auckland, New Zealand when A. William Liley treated fetal hemolytic anemia, or Rh disease, with a blood transfusion.
Format: Articles
Subject: Disorders, Ethics, Reproduction
US Regulatory Response to Thalidomide (1950-2000)
Thalidomide, a drug capable of causing fetal abnormalities (teratogen), has caused greater than ten thousand birth defects worldwide since its introduction to the market as a pharmaceutical agent. Prior to discovering thalidomide's teratogenic effects in the early 1960s, the US Food and Drug Administration (FDA) did not place regulations on drug approval or monitoring as it later did. By 1962, approximately 20,000 patients in the US had taken thalidomide as part of an unregulated clinical trial before any actions were taken to stop thalidomide's distribution.
Format: Articles
Subject: Legal, Reproduction
Vaginal Speculum (after 1800)
A vaginal speculum is a medical device that allows physicians and health providers to better view a woman's cervix and vagina during pelvic exams. Most specula are made of metal and plastic, and physicians insert a portion of the speculum into the patient's vagina to separate the vaginal walls. Physicians have used devices to view inside a woman's vagina for centuries, but physicians did not begin using what is known as a speculum in the twenty-first century until the 1800s.
Format: Articles
Subject: Technologies, Reproduction
Albert William Liley (1929–1983)
Albert William Liley advanced the science of fetal physiology and the techniques of life-saving in utero blood transfusions for fetuses with Rh incompatibility, also known as hemolytic disease. Due to his advances, fetuses too young to survive premature delivery, and likely to die in utero if their Rh incompabilities were left untreated, were successfully transfused and carried to term. Liley was as passionate as a clinician and researcher as he was about his views on the rights of the unborn.
Format: Articles
Subject: People, Reproduction
Doe v. Bolton (1973)
In the 1973 court case Doe v. Bolton, the US Supreme Court in Washington, D.C., ruled that a Georgia law regulating abortion was unconstitutional. The Georgia abortion law required women seeking abortions to get approval for the procedure from their personal physician, two consulting physicians, and from a committee at the admitting hospital. Furthermore, under the statutes, only women who had been raped, whose lives were in danger from the pregnancy, or who were carrying fetuses likely to be seriously, permanently malformed were permitted to receive abortions.
Format: Articles
Subject: Legal, Reproduction
Roe v. Wade (1973)
In the 1973 case of Roe v. Wade, the US Supreme Court ruled that laws banning abortion violated the US Constitution. The Texas abortion laws, articles 1191–1194, and 1196 of the Texas penal code, made abortion illegal and criminalized those who performed or facilitated the procedure. Prior to Roe v. Wade, most states heavily regulated or banned abortions. The US Supreme Court decision in Roe v. Wade secured women's rights to terminate pregnancies for any reasons within the first trimester of pregnancy.
Format: Articles
Subject: Legal, Reproduction
Methylmercury and Human Embryonic Development
Methylmercury (MeHg) is an organic form of mercury that can damage the developing brains of human fetuses. Women who consume methylmercury during pregnancy can bear children who have neurological issues because methylmercury has toxic effects on the nervous system during embryonic development. During the third week of gestation, the human nervous system begins to form in the embryo. During this gestational period, the embryo's nervous system is particularly susceptible to the influence of neurotoxins like methylmercury that can result in abnormalities.
Format: Articles
Subject: Reproduction, Disorders
Cocaine as a Teratogen
Cocaine use by pregnant women has a variety of effects on the embryo and fetus, ranging from various gastro-intestinal and cardiac defects to tissue death from insufficient blood supply. Thus, cocaine has been termed a teratogen, or an agent that causes defects in fetuses during prenatal development. Cocaine is one of the most commonly used drugs in the US and it has a history of both medical and illegal recreational use. It is a drug capable of a wide array of effects on physical and mental health.
Format: Articles
Subject: Reproduction, Disorders
Diethylstilbestrol (DES) in the US
Diethylstilbestrol (DES) is an artificially created hormone first synthesized in the late 1930s. Doctors widely prescribed DES first to pregnant women to prevent miscarriages, and later as an emergency contraceptive pill and to treat breast cancer. However, in 1971, physicians showed a link between DES and vaginal cancer during puberty in the children of women who had taken DES while pregnant. Consequently, the US Food and Drug Administration (FDA) banned its use during pregnancy.
Format: Articles
Subject: Reproduction, Technologies
The Y-Chromosome in Animals
The Y-chromosome is one of a pair of chromosomes that determine the genetic sex of individuals in mammals, some insects, and some plants. In the nineteenth and twentieth centuries, the development of new microscopic and molecular techniques, including DNA sequencing, enabled scientists to confirm the hypothesis that chromosomes determine the sex of developing organisms. In an adult organism, the genes on the Y-chromosome help produce the male gamete, the sperm cell. Beginning in the 1980s, many studies of human populations used the Y-chromosome gene sequences to trace paternal lineages.
Format: Articles
Subject: Reproduction, Theories
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This is an 1/8 teaspoon package comprised of 4 hybrids:
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White top, trumpet and pale pitcher plants are the tallest of them all. These open pollinated seeds were produced by cross pollinating and self pollinating, then letting the bees have their way with the flowers.
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A man in Louisville, Kentucky, is in trouble after he was arrested for exposing himself to a woman in the park Thursday night. Police
Police were called on reports that a man was pleasuring himself in the bushes at Lannan Memorial Park, and when they arrived, he fled on a moped.
RELATED: A former teacher who was previously jailed for sexting a student is back behind bars
Later, he was spotted driving nearby, and police were able to arrest 53-year-old Robert McCoy. According to WDRB, McCoy admitted to the allegations, telling police "had an explanation." He claims that he was urinating in the park when his pants fell down. At that point, a groundhog popped up and frightened him, causing him to expose himself to the victim.
The woman who was at the scene told a very different version of the story. She says that McCoy was following her and a group of friends and "making motions consistent with a sex act." When she turned around to face him, she realized that his pants were down and his penis was exposed.
RELATED: Virginia man convicted on two counts of animal cruelty after being accused of sex acts with dogs leaves judge speechless
He was charged with first-degree sexual abuse, which is a felony and is being held at Louisville Metro Corrections.


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Where to eat in Nottingham
Wednesday 28 May 2014 by Jennie Buckley
With more than 300 places to eat throughout the city, Nottingham has enough restaurants to satisfy any appetite. You will find a selection of Italian, Indian, British, European and many other World cuisines on offer, so take a look at some of our recommendations below!Read more
Where to eat in Birmingham
Monday 26 May 2014 by Ana Cruz
There are hundreds of excellent restaurants in Birmingham, with over 27 different cuisines on offer from British and European to Japanese and Thai, so here are a few of our favourites that we would recommend you to try when visiting this vibrant and cosmopolitan city.Read more
SACO wins Business Development Team of the Year
Friday 23 May 2014 by Hollie Swain
We were delighted to win Business Development Team of the Year at this year's People Awards, hosted by The Business Travel Magazine.Read more
Jersey - the foodies paradise
Friday 16 May 2014 by Jo Redman
If you're looking for a bit of a treat then head off to the beautiful Channel Islands; St Helier in Jersey, to be precise. The largest of the islands, and closer to France than England, Jersey is easily accessible (plane or ferry), and is the perfect place for a short break – or longer if you prefer. With stunning beaches, stacks of history and as the title suggests - it's a real foodies paradise.Read more
SACO's 10k Training Tips
Wednesday 23 April 2014 by Amy Clutterbuck
SACO's running tips as we prepare for the Bristol 10k!Read more


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Have you ever wondered, "what is carpal tunnel and how do I know if I have it?" About four years ago, I started joking that my carpal tunnel was acting up because out of the blue, my right hand would go numb. I could move it around, pump my fist, and magically, it would come back to life. Literally, I could feel the blood coming back to my right hand. I type a lot and worked the drive-thru register for four years when I was younger. I wondered, was this why my hand was falling asleep all the time? How do you get carpal tunnel? How do you get rid of carpal tunnel? Is carpal tunnel more than just your hand falling asleep? I had so many questions. When I was pregnant, both of my hands would fall asleep all the time. I guess it is common for people who are pregnant to get carpal tunnel. After I had the baby, while in the hospital, my hands kept falling asleep and the hospital gave me a brace to wear. It helped some, but the falling asleep and numbing sensation was still present. Sometimes it would wake me up more often than the baby did. While I was out on maternity leave, the numbing sensations were so bad that I went to see an orthopedic doctor. He recommended an electromyogram or EMG. The EMG was very interesting but it didn't really give me any answers. I didn't have carpal tunnel, but maybe I had cubital tunnel? I was supposed to go to a follow-up with the orthopedic doctor to get more information and results, but life got in the way and I never went for the follow-up. I kept putting it off, just hoping my condition would get better on its own. It hasn't, and it's not going to. I have known for a while that I need to get to the bottom of what is going on with my hand going numb. Recently, I was trolling Facebook and an ad popped up from The Christ Hospital Health Network. It said, "Welcome to the team, Bryan Beutel, MD! Dr. Beutel specializes in hand and wrist conditions and is now accepting new patients. " I took this as a sign and made an appointment with him.I went to see Dr. Beutel a few weeks later and it went great. We talked a lot about my hand, wrist, and arm. He explained to me the difference between carpal tunnel and cubital tunnel. After doing some tests in the office where he tapped, flicked, and applied pressure to parts of my hands, wrists, and elbow, we decided that I needed to do the EMG again. It was back in 2016 when I had my first EMG and obviously my condition had worsened. I'm going to get the EMG and then follow up with Dr. Beutel for my results. Stay tuned to Healthspirations to follow along on my journey to get to the bottom of what is happening.Do you have symptoms similar to Fritsch, or are you experiencing pain in your shoulder, knees, hips, or other joints? Our team can help! Click to see how our world-class joint and spine experts like Dr. Beutel at The Christ Hospital Joint & Spine Center can help.


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I had a chance to meet legendary supermodel Cindy Crawford last night at The London hotel in NYC to talk about her skincare line, Meaningful Beauty. Aside from a huge blow to my self-esteem (a picture was taken, and lesson learned: do not stand next to a supermodel when wearing flats) I left realizing that anti-aging products are key to looking like well, a model.
Although I do realize that other solutions like Botox are also a factor, Crawford has been using some form of Meaningful Beauty products since she was 28 and those are hard results to deny. We talked with the beauty about her daily skincare regimen and must have products. To steal her beauty secrets, read on below.
Your skin looks amazing! What is your daily skincare regimen?
After I shower, I use the Meaningful Beauty Cleanser, the pads for a bit of Glycolic acid, and then wait for a few minutes before applying one of the serums. I alternate between the firming serum and the brightening serum. And then I apply the day moisturizer everywhere, even on my chest and my hands and then I can apply my makeup for the day.
Is there one product that you absolutely can't go without?
When I turned 35 I noticed that I started to get dark undereyes, so I would say that back then my must-haves would be sunscreen and concealer every day. But, from using the Meaningful Beauty products I've found that I don't have that darkness anymore, so I just use a drop of foundation on a daily basis. Lately I've found that I'm puffy under my eyes and I never used to be, so now we're making an eye serum for puffiness.
Like I said above, never stand next to a supermodel and expect a good picture. Photo: Laurel Moll, laurelmoll.com
Most women think that anti-aging products don't need to be used until we're in our 30s or 40s. What age should we be starting?
Young! My daughter Kya, who's nine, uses the glowing serum before school in the morning and tells me how "glowy" her skin is. Not like she needs it…but…
In addition to Meaningful Beauty, how else do you keep your skin looking so great?
I get facials and microdermabrasion a couple of times a month if I make the time for it and I dry brush my skin everyday. I don't smoke, and I eat healthy 80 percent of the time. In regards to being healthy the best thing Dr. Sebagh ever told me when we first met was to pick a weight that you can live comfortably at and stay there otherwise you're stretching out your skin, and I've pretty much done just that.
And, what has been the biggest change to your beauty regimen as you've gotten older?
Maintenance. You don't skimp on the regimen as much. I want to live my life and not worry about searching for the next best thing, so I follow my regimen, and let it work.
Photo: Jordan Strauss, WireImage


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Investment Adviser Oversight: Is FINRA Back in the Game or Is Someone Else on First?
The question of who will oversee registered investment advisers (RIAs) has once again become a topic of interest following the recent Financial Industry Regulatory Authority (FINRA) annual conference. In comments he gave at that conference, US Rep. French Hill (R-AK), a member of the House Financial Services Committee, floated the idea of introducing legislation that would give FINRA jurisdiction over the examinations of advisers.
What does FINRA think?
FINRA Chief Legal Officer Robert Colby said "We're interested, but we're not pushing it."
Those of you who have followed this issue over the years know that the path has been contentious, meandering, and still lacks resolution.
CFA Institute first polled its members (see related comment letter) back in November 2010 as to who should be responsible for overseeing investment advisers; 57% of respondents favored the Securities and Exchange Commission (SEC). An SEC staff report noting that the SEC lacks sufficient resources to examine advisers on a timely basis, suggested three approaches to beefing up the examination process: establish a self-regulatory organization (SRO) for advisers; impose user fees; or have FINRA conduct exams of those dually registered as broker-dealers and investment advisers.
Since then, there has been a lot of action, but no solution. In 2012, former US Rep. Bachus (R-AL), then chair of the House Financial Services Committee, introduced a bill and held a hearing on the idea of moving RIA oversight to an SRO. The effort failed, and Congressional members and staff from that time remember the sting of that defeat to this day. Then, in 2013, the SEC's Investor Advisory Committee recommended legislation to fund investment adviser examinations. Also in 2013, US Rep. Maxine Waters (D-CA) introduced the Investment Adviser Examination Improvement Act (H.R. 1627), to allow the SEC to impose user fees to fund adviser examinations. Letters, co-sponsors, and hearings followed. Rep. Walters also recently tried to add an amendment with respect to user fees to a FY2015 appropriations bill that funds the SEC and its activities, to no avail. In 2014, the new Office of the Investor Advocate submitted a report to Congress recommending funding for sufficient examination of advisers, noting it as "a substantial risk to investors." And with this recommendation came a request for the authorization of user fees as a long-term funding solution to this gap. Throughout this time, groups have lobbied Congress on the oversight of advisers, and sentiment over whether FINRA is pursuing a role as adviser SRO has waxed and waned.
More recently, some advisers have started to consider the prospect of state regulators assuming oversight for a larger number of advisers over the next 10 to 15 years, eventually covering firms with assets under management (AUM) of up to $1 billion, compared with $100 million AUM today. The consideration is based, first, on a desire to avoid FINRA oversight, but also due to recognition that the SEC is unlikely to receive either sufficient appropriations or authority to charge and retain examination fees needed to adequately examine the growing population of advisers. Add to that the fact that the costs of a de novo SRO are likely prohibitively high, and that third-party examinations would likely create a myriad of conflicts, and the only remaining cost-effective alternative is for the states to step in for firms under the $1 billion AUM mark. That, however, likely would take upwards of a decade as state regulators grapple with the complexities related to the increase in number of firms overseen, their size, and their complexity.
CFA Institute agrees that conducting timely and thorough exams of investment advisers is critical to identifying potential practices and shoring up confidence in the industry. And we find it highly unfortunate that Congress has not responded to SEC requests with sufficient appropriations to help fund these examinations. Until the critical need for examinations occurring more frequently than once every 11 years (as was the case in FY2013) forces Congress to either provide sufficient appropriations or authorization for a sustainable alternative, the question of how (and by whom) adviser examinations will be overseen will remain.
With an abundance of complex macroprudential issues that continue to occupy the attention of market regulators and legislators, we hope that resolving this fairly straightforward issue might soon move to the front of everyone's queue.
If you liked this post, consider subscribing to Market Integrity Insights.
Image credit: iStockphoto.com/Matt_Brown


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Marbles is a game that is still enjoyed by people of all ages, even with today's technology. If you fondly remember playing marbles or you still play it from time to time, show everyone that you enjoy the simple things in life with this Take Joy In Marblesdecal.
Can be used on just about any smooth surface such as: cars, windows, laptops, mirrors, walls, glass, metal, plastic and so much more!
What's your joyful inspiration?
Click here for more Take Joy In decals.
Type: Take Joy In


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Do it the Right Way With the Right Company
Renting a luxury car or supercar, like say a Ferrari or Lamborghini, in Europe can be a bit of a daunting task. With so many different companies out there it's tough. The big brands often don't guarantee a model—only a car class and don't usually provide delivery. The small companies can't offer a good selection, can be hard to find, and often lack online booking.
Needless to say, the process is often rife with issues. For comparison, the process is dramatically different when you look at something like finding lodging. Hotel booking websites give you a clear look at what your room is like and clear pricing information as well as special amenities and features of the room. That's where Lurento fits in.
Lurento brings together a large number of luxury rental car companies in one online location to make renting a luxury car in Europe as easy as booking a hotel room.
What To Look Out For When Renting a Luxury Car In Europe
We connected with representatives from Lurento to discuss the luxury car buying process, here's what they said that you need to ensure when renting:
Transparent Pricing
You need to confirm there will be no hidden fees, additional credit card fees, exchange rate markups, or any other unnecessary upcharges when you decide to submit payment. If a company is not offering clear pricing, look elsewhere.
Get the Details
Don't rent from a company that won't give you all the details you want upfront. This includes the exact make and model, the year of the car, cost of insurance, cost of excess usage (mileage), the minimum age required to rent the car, and the cost of the rental and any extras you'd like to add.
Know the Company's Reputation
There are many different rental car companies out there. Before going with any single one, make sure to do some checking online. Have past customers had good experiences with the company? Check on Yelp, Google reviews, and other review sites online to ensure that you've made a wise choice.
How Is Lurento Different?
Lurento is different because it put customers in direct contact with exactly the right car. They help luxury car companies find the right customer for their inventory and then deliver that car to the renter.
It's a marketplace that lays out the options for you based on where you're traveling and when. With over a thousand cars in the inventory and more added each week, there's little chance you won't find a car that you want.
The process is simple. You enter the dates and locations, select the car and options you want, select the option that works best for you, and then upload your details and documents.
The car that you've selected is then delivered to the exact address that you select. Need a car at the airport? Done. Want a car at the hotel or Airbnb you'll be staying at? Let Lurento know. The delivery driver will verify your identity and then you're good to go.
Lurento essentially works to take all the guesswork out of the process. The company verifies each of the partners it works with. It ensures the practices of the business meet Lurento's guidelines and that the partners have the proper inventory. From there, they help manage your luxury car rental so you don't have to. It's all about making the process easier for the renter.


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Search the Community
Showing results for tags 'tiger'.
Found 29 results
Tiger Woods Master Catch-All Discussion
Valleygolfer posted a topic in Tour TalkI decided I would start this thread because it seems like we have to be talking about this on a regular basis so I figured why not pool them to one spot. As someone who works with back injuries, the speculation, method of treatments and over analyzing makes me laugh a bit. In my professional opinion, I am surprised that Tiger is playing this weekend if his spasms were debilitating enough. Also just because he has a team of people working on him, doesn't mean that he would heal faster. Sometimes you have to leave it alone and do minimalistic treatments to let it recover. He did carry himself last week like he was having problems. The golf channel and having EVERYONE put their 2 cents in on back injuries is irritating.
"The Second Life of Tiger Woods" by Michael Bamberger
iacas posted a topic in Reading RoomDiscuss The Second Life of Tiger Woods by Michael Bamberger here.
"Seven Days in Augusta" by Mark Cannizzaro
iacas posted a topic in Reading RoomDiscuss Seven Days in Augusta by Mark Cannizzaro here.
Who is on Golf's Mount Rushmore?Who is on your Mount Rushmore? For me it's Snead, Woods, Nicklaus, Hogan. Not in that order. 🙂
Predict Tiger's 2019 SeasonWell, there's that… and now that the final major is over (but there are still tournaments Tiger could win), let's get a start on looking at 2019. Vote in the poll above.
44 "Tiger at 44" StatsTiger Turns 44: Woods' 44 Greatest Statistics - 15th Club Tiger Woods turns 44 years old on December 30. This is the first birthday for Woods as the reigning Masters champion since… What are your favorites? I like:
Putt to the Picture (via Tiger Woods)
iacas posted a blog entry in Instructional DropletsDistance control is an "athletic" thing for most golfers. Unless you're Bryson DeChambeau, who knows that a 12" backstroke makes the ball go 15.739 feet (or whatever), players tend to putt best when they tap into their athleticism. That's why studies will point out how golfers putting from 25+ feet with their eyes looking at the hole often have better distance control (even though they slightly mishit some putts) than golfers looking down at the ball. Combine both: do what Tiger Woods learned to do from his dad. When taking his last look at the hole, he'd take a mental "snapshot" - a picture - of the hole, the green between him and the hole, his putt. Then, when he looks down at the ball, he sees the ball but he also sees the "photo" and then, per his dad's instructions, he "putts into the picture." I do this, and almost always have, even though when I started playing golf it didn't have a "title."
Is Joe LaCava Tiger's Best Choice of Caddie?I didn't include an "I don't know" in the choices in the poll above because that's the only answer any of us should choose. Hell, even Tiger and Joe himself don't necessarily know if he's the best choice - Tiger just uses the available information to arrive at a decision. But I've been thinking for awhile now that LaCava may not be the best for him. Stevie Williams was, of course, Tiger's caddie for 13 of 14 majors. He split off from Tiger not too long after the Thanksgiving night stuff in 2009. One of Stevie's best qualities, IMO, was that he didn't take shit from Tiger, and he'd step up and let himself be heard when he had something to say. He made Tiger hit a 60° wedge instead of (IIRC) a 56° wedge on the 18th at Torrey Pines in 2008, going so far as to say something like "I know how much this means to you, and if you don't hit the shot you want, fire me on the spot, but I feel that strongly it's a 60 here." The recent Tiger Woods biography pointed out that LaCava stood by and did virtually nothing while Tiger was walking around and surveying his options and ultimately dropped in the wrong spot on the 13th hole at Augusta in 2013. In fact, I've almost never seen Joey LaCava step in and talk to Tiger when the situation may warrant it - to cool Tiger down when he's running hot, to get him to focus when he's getting sloppy, etc. Williams could be seen doing these things - and more - all the time. He'd engage. He'd put his opinion out there. He'd tell Tiger - again this is documented in the book - to get his head on straight and to pay attention, or whatever. Joe just seems to be a bag carrier. Maybe that's what Tiger wants. Maybe he has lost some of his drive and passion and just wants to be a happier, less focused guy on the course. Maybe he doesn't want to have a guy getting in his face demanding something during his rounds. I don't know. None of us do. But the poll intentionally only has "yes" or "no" as possible answers. So vote. I voted "no." I think Tiger needs a more forceful, direct, in-your-face type of caddie. I think he needs to be challenged more, I think he needs to be held in check more, and I think he needs someone who can slap him around a little bit when he starts to get off track.
Tiger Woods Chip Yips (2017 Edition, with Poll)http://www.golf.com/tour-news/2017/10/31/tour-confidential-tiger-edition-what-are-your-expectations-his-return-and-his-season I have a hard time believing people still think the chip yips were ever really a thing for Tiger. IMO he was caught between techniques, and playing on some grainy greens. He had put all of his time in on the full swing, and neglected his putting and chipping and short game stuff. He played beautifully only a few months later at Augusta the one time he "had" the "chip yips." But let's see what the poll is.
Predict Tiger's 2018 SeasonI'm going to vote after I give it a little thought.
2018 Masters Tournament Discussion Topichttps://www.golfdigest.com/story/tiger-confidential-what-pros-really-say-about-tigers-chances-at-the-masters What fascinated me about that article is the breadth and scope of the opinions, the sheer variety. Others correctly point out, for example, that even after a layoff in 2010, he came out and finished T4. Then two quotes later someone is saying he has no chance.
Who Wins First: Rory or Tiger?Simple question. I voted for Woods. I'll close the poll when either of them wins.
2018 Tiger Debut - San Diego Open (Farmer's Insurance)https://www.pgatour.com/tournaments/farmers-insurance-open.html I think he makes the cut, finishes 20th to 40th.
Tiger's Swing "Dip"
Secretmove posted a topic in Instruction and Playing TipsMod Note: this topic was created from an off-topic discussion in the Predict Tiger's 2018 Season discussion, after about 31 or 32 posts (hence @billchao's plea in post #31 to get back on topic. ??? No more so than almost every player on the PGA Tour. And less so than a good chunk. I don't know where you're getting that, but I disagree I'm getting that from watching this video and othes. He dips down 6 inches on a five iron, and stays down there, pulling off a massive timing move pulling up his left side to have an 8 inch level low spot. Amazing, but I see no one on tour doing that much. Lots of guys dip down to the ball, but non like Tiger. His shoulders steepen from X to X-20, more than anyone on tour. He puts massive twist and strain on his back maintaining posture with that speed with his angles. BTW, I will continue to make absurdist funny (to me and anyone who's ever read more than 3 books) statements as long as I live, cause its the right thing to do. Do you really not get Monty Python? Sad. Seriously, is it impossible to walk away from this absurd game with half a billion and do anything else? Al Frankin made a switch. Now he's back to comedy, but at least he gave it a shot.
Tiger Has Spine Fusion SurgeryTiger underwent an "Anterior Lumbar Interbody Fusion (MIS ALIF) at L5/S1". I honestly wondered why he didn't do this before. You can have a few fusions and still turn plenty well enough to play golf. http://www.tigerwoods.com/news/2017/04/20/225438912/tiger-undergoes-successful-back-surgery-to-alleviate-pain
Tiger Woods 2017 Season Predictions
Golfingdad posted a topic in Tour TalkSince it appears (knock on wood) that Tiger Woods will be starting his first season in many years with a clean bill of health, I thought it might be fun for us to predict how we think he might do. Go ahead and make your pick in the poll and then elaborate on your answers in the thread if you so desire. To me, as somebody who wants to see him do well, anything from "Not bad" on up will be a good thing. For the sake of fun, though, I'll predict "Really good." He starts the year decent, builds his confidence, and breaks back into the win column before years end. What say you all?
"The 1997 Masters: My Story" by Tiger Woods
iacas posted a topic in Reading RoomDiscuss "The 1997 Masters: My Story" by Tiger Woods here.
Working with Tiger Woods - About the 1997 Masters Bookhttps://medium.com/@GrandCentralPub/working-with-tiger-woods-c9ed9cdf7ea4 Worth a read. It's very short.
Tiger Backs Nike's Social Commentary/Adshttp://www.golf.com/tour-news/2017/02/12/tiger-woods-shows-support-nikes-equality-campaign He's largely avoided being political int he past, but he has commented on race a little in the past. He's not in that commercial, from what I could see, but he's tweeting about it.
Tiger commits to Farmers and Honda
tristanhilton85 posted a topic in Tour Talkhttp://www.pgatour.com/news/2017/01/04/woods-commits-to-farmers-insurance-open.html Good to see his schedule filling out. Hopefully he'll get 2017 off to a great start with an early season win.
Woods signs with BridgestoneIt's official. Numbers and details not available as of now. He'll be using the B330S. http://golfweek.com/2016/12/15/tiger-woods-signs-golf-ball-endorsement-deal-bridgestone/
Tiger to play at Riviera, Feb 2017
Buckeyebowman posted a topic in Tour TalkHeard it on sports radio today. Apparently Tiger has committed to play at Riviera CC, in the "whatever it is called now" Open! Or Invitational! It's a new name now, and I don't really recall it. Apparently this a blast of nostalgia since this was the first pro tourney Tiger played in as a Sophomore in high school at the age of 16. Hope this isn't the start of of a "farewell" tour!
Tiger Woods is playing in the Safeway Open in OctoberHeeeeere's Johnny!


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What a teacher does, matters every day, and there is a saying that the best teachers teach from the heart, not from the book.
On Twitter recently, a teacher who goes by the name of Amy Mistika (@amymistika) shared her experience in handling one of her introvert students Yip Kah Shzen.
The mathematics teacher shared how when she first entered the noisy classroom, every student stood up to introduce themselves, with the exception of Kah Shzen who refused to do so, and just looked down at his desk.
One of his classmates told her, "Teacher, he's shy" and that it was perfectly normal for him to act that way.
However, she took notice of his odd behavior which was persistent even when she shifted his seating position, placing him in front of the classroom – and devised a plan to closely monitor him.
And ever since she monitored him, she was surprised to find out that Kah Shzen was actually paying close attention in her classes. In fact, to her surprise, he copied apple to apple everything she had scribbled on the whiteboard.
Once he had his school tools, Kah Shzen started making progress and improving in his studies – he even submitted his homework on time and answered 80% of her questions correctly.
Below is a tweet from Amy showing Kah Shzen's progress with math
"He's not useless. He just needs extra attention and I personally gave him my attention," she relayed, adding that she always made extra time to make sure he understood what was taught after each lesson.
While other teachers in school had long given up on Kah Shzen, Amy saw it pertinent to mould him into a better student.
The elated Amy relayed that Kah Shzen has taught her the true meaning of patience in educating someone.
"He taught me to never give up, and proved to me that everyone has their strengths and weaknesses," she wrote.
This story proves that while the world is filled with a majority of extroverted people, we should be more aware of our surroundings as 20% of the population are deemed introverts.
And while introversion is often misconstrued with a negative judgment of being 'shy', there is a big difference, as introversion is a preference for solitude and minimally stimulating environments.
What teacher Amy succeeded to notice was paying attention to a student who is wired differently, who carries a lot of emotion on the inside, but most of the time, don't show it externally.
All we need to do is take a moment to understand that it's completely normal.
Article Courtesy: malaysiandigest.com


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Money Advice Update - March 2019
Money Advice Update
March 2019
UK Finance publish latest mortgage trendsIn 2018,
- there were 10,500 new first-time buyer mortgages, 9.4 per cent more than in 2017. This is the highest annual number of first-time buyer mortgages in Northern Ireland since 2004 when this figure stood at 10,600.
- there were 6,600 new home mover mortgages, 6.5 per cent more than in 2017. This is the highest annual number of home mover mortgages in Northern Ireland since 2007 when the figure the stood at 12,700.
- there were 9,500 new homeowner remortgages, 11.8 per cent more than in 2017. This is the highest annual number of homeowner remortgages in Northern Ireland since 2009 when this figure stood at 10,100.
City AM reports Consumer Spending Growth Slows and Retail Sales Fall on Brexit FearsConsumer spending growth and retail sales fell last month as households cut back on non-essential items amid fears over Brexit and the UK's economic prospects. Clothing, department stores and hotel spending all contracted in February, according to the latest monthly spend data from Barclaycard. Spending in pubs and restaurants, traditionally robust categories, also grew at a weaker rate. Consumer spending dropped to 1.2 per cent year-on-year in February, slowing down from 3.8 per cent in the previous 12 months. However, consumers increased their spending on essential items by 2.3 per cent led by growth in supermarket sales, Barclaycard said, while the BRC also reported a rise in food sales.
To read the full article click here.
The Access to Cash ReviewThis review was commissioned as a response to the rapid decline in cash use, among growing concerns about whether we're leaving people behind who can't use or access cash in an increasingly digital society. Ten years ago, six out of every ten transactions were cash. Now it's three in ten. And in fifteen years' time, it could be as low as one in ten. Consumer groups worry about the closure of rural ATMs and bank branches, leaving people without easy access to cash. Small business associations are concerned about the growing challenges of handling cash: closing bank branches and rising charges make it more expensive and riskier to handle cash. Rural communities see an increasingly digital world that only works for those with broadband and mobile connectivity.
To read the report click here.
Repossessions Taskforce - Review of RecommendationsThe Housing Repossessions Taskforce was established in early 2014 to investigate the impact of repayment arrears, repossessions and negative equity in Northern Ireland.
The Taskforce specifically focussed on the 2004 to 2008 period in which households accessed mortgages or second charge loans in an environment of rising house prices, more relaxed credit conditions and weaker regulatory oversight. Two categories of borrowers were the primary concern of the Taskforce - those already struggling and households very close to distress.
To read the full report click here.
Guardian Reports That NatWest Trials Fingerprint Debit Cards to Remove £30 LimitBank customers will be able to spend more than £30 using contactless cards and could never again have to remember their four-digit pin if a fingerprint technology trial starting in April proves a success. The pilot project from NatWest, the first of its kind in the UK, will use debit cards that contain an electronic copy of the customer's fingerprint on one corner. If the customer places their finger on that part of the card while waving it at a retailer's payment terminal, it will authorise a contactless payment above £30, and the customer will not have to type in their number. The first phase of the trial will be limited to 200 customers. If it gets the go-ahead, it will be the next step in the contactless spending revolution that has swept Britain since 2013. Last year more than 6bn payments were made using contactless "wave and pay" technology, but the £30 limit is restricting further growth, particularly for people filling up their cars at petrol stations or doing a large weekly supermarket shop. If a card is stolen, the thief will not be able to use it as a payment is only authorised if the user's fingerprint matches the data on the card at the point of sale.
To read the full article click here.
The Financial Conduct Authority (FCA) Report on Multi-firm Review of Credit Card Fees and ChargesFCA has written to all credit card firms to highlight the findings of its multi-firm review of fees and charges in prime and sub-prime credit card products and firms. The letter outlined their findings and risks of potential harm to customers from poor culture and practice when assessing affordability in consumer credit. This multi-firm work covered both prime and subprime credit card products and firms. The primary area of interest was returned payment fees, over-limit fees, and late fees. They also looked at the distribution of fee types amongst customers with different credit limits. The goal was to understand the causes and application of the fees and the cohorts of customers paying them. Firms were compared against their peer group. They found that some customers were being charged fees on multiple occasions and sometimes multiple fees in a single billing cycle. Incurring multiple fees could indicate that a customer is in financial difficulty and that appropriate action should be taken by the firm. For those with lower credit limits, the fees and charges represent a higher proportion of the outstanding debt.
To read the full letter click here.
FCA Issues a Letter to CEOs of High Cost Lending FirmThe letter sets out the FCA's view of the key risks that High Cost Lenders pose to their consumers or the markets they operate in. The FCA sets out its intention to identify, diagnose and remedy the harms in this portfolio. This follows a new approach for the FCA to supervision, implemented in 2018. As part of this, they have put all the firms we supervise into different 'portfolios'. Each portfolio is made up of firms with broadly similar business models, and the high cost lending portfolio covers the following products:
- guarantor loans
- high-cost short-term credit (HCSTC)
- high-cost unsecured loans aimed at sub-prime customers
- home-collected credit (HCC)
- income smoothing products
- logbook loans
- pawnbroking
- rent-to-own (RTO), and
- community development finance institutions (CDFIs).
To read the full letter click here.
FCA Confirms Introduction of Rent-to-Own Price CapThe Financial Conduct Authority (FCA) has today confirmed the introduction of a price cap to protect some of the most vulnerable customers in the UK in the rent-to-own (RTO) sector. The cap will be introduced from 1 April 2019 and will save consumers in the UK up to £22.7 million a year. In the Policy Statement published today the FCA has confirmed the following measures will apply to the RTO sector:
- setting a total credit cap of 100%
- introducing a requirement on firms to benchmark base prices (including delivery and installation) against the prices charged by 3 mainstream retailers
- preventing firms increasing their prices for insurance premiums (eg theft and accidental damage cover), extended warranties, or arrears charges, to recoup lost revenue from the price cap
To read the full FCA press release click here.
Cash Lady high cost credit market analysis 2018 by Credit ConnectThe number of UK workers turning to high-cost short term loans (payday loans) as they struggle to cover their living costs and make ends meet continues to rise. Using data collected from over 700,000 payday loans requested between January 2017 and December 2018, credit broker CashLady has gathered together an in-depth analysis of the average borrower. What stands out from the data is that many of those requesting payday loans work in the retail sector. This does not come as too much of a surprise as it is an industry that has a longstanding reputation for low pay and lack of job progression. Cash Lady's high-cost credit market analysis highlights how brands such as Tesco, Asda, Sainsbury's, McDonald's and Morrisons continue to appear high up on the list. In both 2017 and 2018, these five giant retailers were responsible for employing the highest percentage of staff who requested payday loans.
To view the analysis breakdown click here.
Charity Loans Cash to the Needy who are Shunned by Big Lenders Reports the MirrorThe Purple Shoots charity, which works across South and West Wales, offers small loans to hard-up individuals and hopes to go nationwide. Poverty, unemployment and isolation are the key factors that force people into the arms of high-cost credit providers. Karen Davies has shown just how lending should be – a model that our Fair Credit for All campaign, which we are running with Hollywood actor and activist Michael Sheen and his End High Cost Credit Alliance, thinks should be rolled out nationwide. Purple shoots offers small loans to individuals unable to get credit elsewhere or with no other option than to turn to high-cost lenders charging extortionate rates of interest. The loans help people on benefits and low incomes to start or run a small business – a vital lifeline towards a better future for people who can't get loans or help elsewhere. In five years, Purple Shoots has given out 510 loans, worth £1.2million, and that has helped start more than 400 small businesses around Wales and got more than 500 people out of unemployment. Almost everyone the charity has helped and lent money to has previously borrowed via high-cost credit firms.
To read the full article click here.
Tully Receives FCA License to Help Improve Financial Capability of ConsumersFor the first time since its inception, the FCA has issued a license for the provision of a digital debt advice solution. Tully is a fintech start-up created to improve financial capability, make it easier for people to manage their money and repay their debts faster. Tully's mission is to improve financial capability and make financial support more accessible. Helping people gain a better understanding of their current financial situation, working with them to take control of their money and then building a plan to repay their debts. Built on an Open Banking platform provided by technology business OpenWrks, Tully is aiming to create an ecosystem that changes how people think about, understand and manage their money and debts. Tully will increase capacity in the debt advice sector with its unique and free to consumer online service. Using new Open Banking technology Tully will give people a fast, accurate and realistic picture of their financial position in minutes. It means for the first time people will be able to build their own, personal view of their finances and then keep this updated every month.
To view Tully's website click here.
Consumer Vulnerability: Challenges and Potential SolutionsThis paper sets out the Competition Markets Authority (CMA) key findings from its programme of work on vulnerable consumers. Supporting vulnerable consumers is an essential part of the CMA's job. We can all be vulnerable in certain contexts: if we need to make a purchase at a stressful time, for example, or feel under pressure to make a choice between different options that we do not fully understand. Some of us will experience vulnerability during particularly difficult periods of our lives, while for others vulnerability derives from longer-term challenges, such as physical disability or protracted periods of poor mental health. This paper explores the different dimensions of consumer vulnerability and considers what the CMA can do to help.
To read the full paper click here.
Payment Scam Victims More Likely to be Reimbursed Reported by the BBCConsumers who have been tricked into authorising bank payments to fraudsters are more likely to be reimbursed by their bank in future thanks to new rules agreed by the industry.
Customers have lost millions of pounds through this type of scam, known as "push" or "authorised" payment fraud. Previously, because the payments were approved by victims, they were less likely to receive compensation. Now banks and building societies have agreed to do more to protect customers. Examples of authorised payment fraud include fraudsters posing as builders, solicitors, or other contractors who have carried out work for the victim. They submit a fake invoice containing the fraudster's bank details and it is often not easy to spot that they are not the legitimate payee. UK Finance, the group representing UK banks, said that in the first half of 2018 such scams cost consumers £92.9m. A new voluntary code, which comes into effect on 28 May, has been agreed between banks and consumer representatives and is designed to give better protection to customers and reduce the incidence of this kind of fraud.
To read the full article click here.


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A while again I decided I needed to begin my own on-line public sale website….. I was surfing the web seeking to buy a automobile and I used to be recurrently checking on the Autotrader website and thought I would look on ebay to see what vehicles were for public sale there too. As a trade customer, with LiveBid you'll be see this here able to attend any Monday, Wednesday or Friday public sale (chosen cars only) from the consolation of your own residence or office and the entire course of could not be easier. Donate your automotive to Wheels For Wishes or Automobiles for Veterans and help a Twin Cities charity immediately!
The superior know-how, nice seems and computerized transmission add to the merits of this car. Apart from making the automotive look luxurious and distinctive, there is no compromise on the safety issue which makes it a good purchase. Earlier than you check out an online automobile auction , it's best to have an idea of what you would like, just like walking on to any lot when in search of a new automobile. In the event you're set on shopping for a minivan because that is the household car you need, don't change plans just because an reasonably priced sports car captured your consideration as a substitute. Resolve should you can have registration on the day of the public sale.
This clip reveals how easy it is to put any of the Christmas automobile costumes seen right here on your own automobile -all have related instructions to those in the video beneath. I had a miniature lighted Christmas tree in my old automobile but after a couple of years it saved blowing a fuse so I gave up! I can simply see myself dressing up my automobile for the vacations! What enjoyable Christmas Decorations and Equipment for a automobile. We just had our Christmas Parade and I noticed some enjoyable automotive decorations there, too. They boast one of browse around this site the largest indoor amenities for public auctions of insurance whole loss, leisure auctions and financial institution repossessed equipment and vehicles. The auction facility is forty three,000 sq ft of indoor space. At their official public sale web site you'll find info on all of their auctions and bank repos, repossessions and insurance whole loss and repairable equipment and autos. The car has all authentic elements.
These auctions are restricted for most of the people and only licensed sellers can take part. Costs of automobiles offered at dealer auctions are typically decrease than these marketed on any vendor's lot. Sellers forgo a doubtlessly larger sticker price to take their stock to a dealer auction the place will probably be auctioned off for thousands lower than retail for quite a few reasons. Closed auctions are usually the only venue for such monetary institutions to dispose of a large volume of end-of-lease returns. Off-rental: rental firms normally substitute their fleets yearly, releasing a flood of late-model vehicles to the secondary market Like the big financial institutions that underwrite car leases, rental companies additionally rely on auto auctions to unload their used stock. Determine the precise auction you wish to attend.
Irrespective of whether you are planning to get the newest in expertise to your automobile otherwise you're on a finances and searching for a digicam that delivers nice value for little cash, you should definitely try our detailed reviews of one of the best dashboard cameras in the marketplace in 2014. A pleasant characteristic of this digital camera that most different sprint cams do not continue reading have is that this one: The ability cable of the Mini 0801 goes into the digital camera socket instead of into the camera itself, so you can simply take away the dash cam from your car with out having to unplug and replug any cables in any respect. As auctions complete and new ones start, this part is up to date on daily basis. Not all the automobiles in Michael Jackson's non-public vehicle collection had been luxury or exotic automotive models.
The automobile sold from the Maranello Rosso Assortment and stamped with chassis quantity '3851 GT' was the 19th 250 GTO Berlinetta made by Ferrari and completed on Sept. The automotive was repaired by Ferrari in Italy and was bought to Italian gentleman driver Paolo Colombo in time for the start of the 1963 competitors season. In 1965 young Fabrizio Violati, the scion of a rich Italian household, bought the automobile. For nearly forty extra years, Violati drove the Ferrari in classic automobile and historic racing events, and it grew to become one of many last 250 GTOs to compete commonly into the 2000s, till his loss of life in 2010, the public sale home look what i found said. What you need is a secure option to enter the world of online shopping and are available out with less objects on hand and more cash. Throughout an online auction or mounted price selling, if there are different sellers with the identical products, you might simply should decrease your costs to stay within the sport. Ever since eBay came into existence, making money online was never this straightforward.
Not many of these American automobile makers have survived to the current day, but even those who have survived are becoming more and more uncompetitive and at the moment are experiencing major issues that threaten their existence largely resulting from competition from foreign auto producers. Of all presents, the one that may carry biggest happiness to the entire family is a tremendous motor automotive. Supremely stunning – endowed with traces, colours and upholsteries of unequalled luxurious – powered by the world-well-known Buick Valve-in-Head engine – this thrilling automotive will give utmost pleasure, not only on Christmas Day, but for months and years to return. From the second you step on the gas, you half company with practically each different automotive on the street, it doesn't matter what its price. For while you drive an Oakland Eight, you are driving probably the most highly effective passenger automotive of its size and weight ever produced. LUXURY The improved Packard Eight is the supremely luxurious automobile.
Everyone seems to be eligible to bid You may easily search the automobile you want to bid on and the location will information you though the remainder of the procedure. In case you are looking to buy a automobile in auction for a really low value ¡VIn fact eighty% to ninety% off!-This website visit website may also help you a lot and guide you through the entire procedure from searching the car you want to driving it in actual. Many car auctions are what are known as an absolute public sale. Sellers set a price that is the least amount they're prepared to let the automotive go for, called an absolute low, and the bidding begins.
Resolve on the automobile you wish to buy, watch for the lot to grow to be active, and then place your bids as you'd at the public sale. Conducted in real-time on each public sale day from 1pm, LiveBid permits you to view any car via a video link, set an alarm to announce your lot sale and even listen to the auctioneer. Simply go to our new ProxyLiveBid perform on this same web site which permits you entry up to 24 hours before web site the auctions begin to view the vehicle appraisals & pictures and to place your bid by proxy. However, these auction announcements are typically solely published every two or three months; and typically they don't seem to be revealed at all. Yow will discover many web sites that promise to be good sources for auto public sale locations and bulletins, nevertheless lots of them are scams, and can solely rob you of your hard-earned money.
Storing and auctioning broken autos could value insurance companies greater than the revenue of their gross sales, due to this fact they use other corporations to auction and negotiate the sale of their cars. A few of the auctions deal with used automobile dealers and automobile dismantlers solely, whicle others like Insurance Automobile Entry, , additionally deal with the general public. Never earlier than offered they said at public sale, Tre Posti has been consigned for auction immediately from the Chinetti Household. From one's first look, the 365 P Berlinetta Speciale is in the pinnacle of a long line of coachbuilt Ferraris and leads essentially the most elegant and enduring sports activities automotive designs of the sixties. Constructed at the height of the P automotive program in 1966, the 365 P Berlinetta Speciale, chassis 8971, was the primary mid-engine 12-cylinder Ferrari designed particularly for use as a road automotive.
Even if it is legit, the challenge is similar to others that have either been confirmed as hoaxes or are just plain doubtful, equivalent to Ken Tipton's attemped "Internet Virgins" hoax of 1998 , through which he claimed two virgins were going to pop their mutual cherries on-line. In 2008, Natalie Dylan, claiming to be a virgin, announced that she was going to public sale off her virginity on-line and that the act would be consummated on the Moonlite Bunny Ranch in Nevada. To me, it's the personification of the Art Deco automotive idea.
Another iconic Warhol, "Coca-Cola (three)," sold for $fifty seven.2 million Tuesday at Christie's auction house, and his portrait of Elizabeth Taylor titled "Liz #1 (Early Coloured Liz)" offered for $20 million Wednesday. The Warhol report came a day after the most from this source costly work of art ever bought at public sale went for $142.four million following six minutes of feverish bidding at Christie's. Although most days of the week you'll find me at California Car Cover.
Going to a automobile public sale within the UK,USA and Australia are mcuh the same in many respects and the method I will introduce shortly, is fortunately out there to all of these market locations and could be broken down further into metropolis akin to Melbourne, Sydney, Perth, Chicago,New York, Miami, Boston , London, Eire, Scotland and a bunch of other worldwide cities and states. These are a couple of places which can be assured to place you forward of the competition at any authorities, police or public automobile public sale in your space.
The question is: do you discover actual bargains via eBay listings, and how are you going to guarantee a satisfying transaction… In the event you do check out and take a look at eBay, be sure you do your initial analysis first earlier than getting into into any deal, that why not check here is: ensure you know what car mannequin and yr you need, how a lot it is value within the blue guide (with the optional equipment, mileage and condition thought-about), and the maximum you might be keen to spend.
No competitors all seems to be superior car of the historical past, but i like the most is 1937 Mercedes-Benz 540K, its actual luxurious automobile of that time. The first one, Finding The Method is on-line now and the remaining will comply with all through October 2010. The highest 10 most expensive paintings contains both public sale and personal sales to provde the most full list on the internet.
These auctions are restricted for the general public and only licensed sellers can participate. Prices of autos bought at seller auctions are usually lower than these advertised on any vendor's lot. Sellers forgo a potentially larger sticker worth to take their inventory to a dealer public sale where it will be auctioned off for 1000's less than retail for numerous reasons. Closed auctions are usually look at these guys the only venue for such financial institutions to dispose of a large volume of finish-of-lease returns. Off-rental: rental companies normally substitute their fleets once a year, releasing a flood of late-model cars to the secondary market Like the large monetary establishments that underwrite automobile leases, rental companies additionally rely on auto auctions to unload their used stock. Establish the specific public sale you want to attend.


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Who Should Attend?
Requirements developers, in-house SOW team members, project managers, contract managers
Full Seminar Description
This course provides the essential information you'll need, including basic contract management concepts, to consistently develop and administer effective Statements of Work. This course defines the essential ingredients of the SOW and special terms and conditions of performance. Learn techniques for managing performance against SOW requirements.
Learn How To
Identify the most common errors found in inappropriate, confusing or misconstrued narratives
Employ easy techniques and "best practice" methods that will help you maintain consistently high quality in your SOW documents.
Identify what a "breach of contract" entails
Assist others more effectively in critiquing SOWs for quality, clarity and completeness.
Utilize information on how the courts historically interpret disputes in contract language according to long-standing principles.
Course Synopsis
Widely considered the "heart of the contract," the Statement of Work (SOW) is the foundation of the relationship between buyers and sellers. The purchase or sale of products and services can only be executed by skillfully creating the SOW document. This course is designed for practical use by requirements developers, in-house SOW team members and other project managers and contract managers whose responsibilities include properly identifying needs and turning them into quality contracts. It provides the essential information you'll need, including basic contract management concepts, to consistently develop and administer effective SOWs.
The course employs challenging team exercises and case studies that will take you through the process of building a solid statement of work. You will learn how outsourcing needs emerge within companies and how these needs are eventually recognized and articulated. You will identify methods by which needs are analyzed using proven tools to yield contract objectives that generate logic, flow and consistency in the resulting SOW. This course defines the essential ingredients of the SOW, which include the scope and background statements, comprehensive listing of responsibilities for both buyers and sellers, deliverables and their schedules, acceptance criteria and special terms and conditions of performance.
You will also learn techniques for managing performance against the SOW requirements, including organizing responsibilities, monitoring obligations on both sides of the bargain, as well as taking corrective actions and resolving disputes. The skills learned in this practical course can be immediately applied by anyone involved in writing, negotiating, awarding or administering SOWs.
Course Topics
The Basics of SOWs in Business
The role and importance of the Statement of Work (SOW)
A well-written SOW
The essential elements of a contract
Addressing risk management in SOWs
Basic concepts of agency—agent law
Types of authority at your company or organization
Basic concepts in contract law
The Purpose of the SOW
Relationship between master contract and SOW
Conflicts in contracts
Contract interpretation guidelines
Different approaches to SOWs
Uncertainty and risk in contracting
Categories and types of contracts
An SOW's Concept Development
Needs and requirements evolution in SOW development
Sources of requirements
Initiating requirements identification
Ensuring clarity of requirements
Use of a requirements analysis checklist
The Use of a Requirements Definition
The work breakdown structure's relationship to requirements and the SOW
Integral parts of the SOW format
Outline for typical SOW
Preparing an actual work breakdown structure (WBS)
Creating the Narrative
Problems associated with poor writing and poor construction
Guidelines for writing SOWs
Locating errors in a draft SOW
Drafting an actual SOW
Quality Assurance Through the Use of an SOW Master Checklist
The purpose/rationale of a SOW master checklist
The Use of the Master Checklist by the SOW writer
Standard Tools Used for Preparing Quality SOWs
Standard Outline for a typical SOW
Checklists for identifying typical problems of poor or complicated narratives
Master Checklist for the SOW writer
Basic Project Management Glossary
Basic Contract Management Glossary
Long-Term issues for Quality SOWs
Ways to monitor SOWs and performance issues
Responsibilities of team members
Having a sound contract administration plan
Post-award orientation
Proactive problem resolution
Other Information
PMBOK™ knowledge areas:
Project Scope Management
Project Time Management
Project Cost Management
Project Procurement Management


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T.J. Gardner
Position(s): Admissions Representative
T.J. was born in Red Deer, AB but moved to White Rock, BC before she turned 2. She, her husband, and son moved around the lower mainland and finally settled in Kelowna in 2003. T.J. has been a hairstylist since 1985 but wanted a change, so she moved to YYC in 2013 to work in admissions for a hair and makeup school. When she decided to return to Kelowna she discovered CanScribe and quickly realized this would be a great fit. T.J. enjoys talking with people on the phone discussing the amazing opportunities CanScribe programs offer.


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Disclosure: Ridester.com is supported by our users. We may recieve compensation from the companies whose products we write about, test, or review. We are independently owned and the opinions expressed here are our own. Please refer to our Affiliate Disclosure for more information.
When your vehicle is stopping and going all day long, your car needs all the love it can get. Giving your engine the attention it needs requires you to know how often to change oil.
Not changing your vehicle's oil is much like smoking a cigarette. While your vehicle may seem alright, your car's engine will be quietly deteriorating on the inside. When the engine damage is enough for symptoms to finally appear, the costs can be enormous.
In this article, you'll learn why oil changes are needed and when you really need your next oil change to circumvent the effects of severe driving conditions that come with a rideshare lifestyle.
Jump to:
- Why Do I Need to Change the Oil?
- How Often to Change Oil
- Reasons to Delay Your Oil Change
- Reasons to Change Oil Early
- Can I Change Motor Oil Myself?
- Frequently Asked Questions
Why Do I Need to Change the Oil?
Changing engine oil is of great importance in a machine with constantly moving parts. When you do so, the lubrication reduces the friction between the parts, preventing damage and allowing your engine to last longer.
For rideshare drivers, this is especially important because your vehicle usage naturally increases. More importantly, your usage likely consists of enormous amounts of idling and short trips, which actually causes faster engine wear than several longer trips.
To receive a good return on your vehicle investment, you need to make your car last. Oil changes will also benefit you by improving your gas mileage and preventing your engine from overheating, especially during the summer. Combined, this all means fewer out-of-pocket expenses for you.
Committing to consistent oil change intervals is a way to be proactive about your vehicle maintenance. Rather than allowing debris to pile up, your motor oil will easily pick up contaminants while improving your engine's function. Over time, this will certainly save you the thousands that you would have spent on repairs for actual damages.
How Often to Change Oil
Most experts recommend that car owners change their oil once every three months or 3,000 miles — whichever comes first. For rideshare drivers specifically, we recommend always going by your mileage. Full-time drivers put three months' worth of wear on their oil filters and engines in just one month.
However, a 3,000-mile oil change is actually quite frequent for modern vehicles, even when you're driving all day long. While this traditional maintenance schedule is a great practice, note that the standardized 3,000-mile interval isn't necessarily accurate across the board.
Reasons to Delay Your Oil Change
Frequent oil changes will never hurt your vehicle, but if your oil change schedule is more frequent than necessary, you're wasting time, money, and good oil. To keep the money in your pocket and get more hours on the road, we recommend changing your oil well over 3,000 miles in these two situations:
1. Your vehicle model was made in 2013 or later.
New cars have made strides in their ability to drive for more miles without oil changes. It's rare that you'll find any newer vehicle that requires oil changes prior to 5,000 miles. Car manufacturers are increasingly creating models that can last 7,000 to 10,000 miles. Many modern vehicles now also have oil life monitors that will tell you exactly when you need an oil change.
No matter your vehicle's year, checking your owner's manual will give you the most accurate statement about when your oil actually needs to be changed.
2. You're using synthetic oil.
The type of oil your vehicle uses has a significant impact on the longevity of its use. Most newer vehicles, as well as luxury vehicles like the ones you'd drive for Uber Lux, use synthetic oils. This oil is a pricier option that can halve the amount of oil changes you need every year. This is because it's more far resistant to heat and grime.
If your owner's manual specifies that you need synthetic oil, don't skip out to save money, as this can damage your vehicle in addition to increasing your oil change needs, leading to greater costs.
If you own a vehicle that uses conventional oil, we recommend consulting with a professional at your mechanic or auto parts store before switching to synthetic. The wrong synthetic motor oil on a conventional oil engine can cause damage over time, due to chemicals mixtures that your vehicle was not built to handle.
Reasons to Change Oil Early
While many oil changes can be delayed past the traditional 3,000 interval thanks to modern technologies, there are two situations in which you may need to change your oil even earlier than recommended.
1. Your oil doesn't look like it should.
It's natural for your engine oil to grow darker in appearance over time. This is a sign that it's doing its job by reducing dirt, debris, and grime in your engine. However, there comes a time when your oil signals that it needs to retire and an oil change is needed. To check your oil:
- Let your vehicle rest on a level parking spot for at least five minutes, then open the hood.
- Pull out your car's dipstick, which is a long, thin piece of metal. Its handle is traditionally a brightly colored loop.
- Take a look at your oil on the tip of your dipstick.
If your oil is closer to a tea or amber color, you're good to go. If it's dark brown, black, and/or thick, you need an oil change. A milkier color is a sign of a different issue, such as coolant leaking in, and requires you to bring your vehicle to the mechanic as soon as possible.
Regardless of your oil colors, you should perform this check at least once per month for proper maintenance, and monitor more often as your oil color approaches a dark brown color. Monitoring is important because you'll get a more accurate reading, since factors like hot weather can contribute to oil temporarily darkening.
2. Your car warranty requires it.
This one's a simple one. If your car is still protected under a warranty, we recommend reading through the warranty terms before deciding to delay the traditional 3,000-mile oil change interval. Most warranties require you to properly maintain your car according to the owner's manual to receive your money when needed. In rare cases, you'll be required to do your oil change early.
Can I Change Motor Oil Myself?
If you're handy with mechanics and enjoy at-home DIY projects, you certainly can change your vehicle's motor oil straight from home. However, we do not recommend this, as it may save you no money at all.
Changing your oil is a time-consuming process for amateurs, and even for hobbyists, taking up to an hour of your time and labor. On the other hand, professionals allow you to sit back and relax, while they change your car's oil in as little as 15 minutes.
In addition, the investments that you put into your motor oil and necessary tools don't really pay back, as you won't be paying wholesale prices like mechanics do. You even have to take an extra trip to an auto parts store to recycle your used engine oil later on, as it's illegal to throw out.
That said, it's definitely worth it to put in the money for professional help. Oil changes can cost as little as $25 for conventional oil, or $45 for synthetic oil, and rarely exceed $70 — if they do, you can definitely get a better deal.
Frequently Asked Questions
Properly maintaining your vehicle is all part of the rideshare gig. While you don't need to do it yourself, you should know how often to change oil in your specific vehicle. Here are some frequently asked questions to help you with your next oil change:
1. Do I need to change my oil when my vehicle's oil light comes on?
In some cases, yes, but this warning light can be triggered by a handful of different causes. Regardless, you'll likely need to take a trip to the mechanic for at least a diagnosis.
Before you do so, we highly recommend that you check your oil levels using your car's dipstick as soon as the oil light appears. If your dipstick comes out completely dry or significantly low, it is extremely important to call a tow truck to ensure you do not completely ruin your engine by driving with dangerous oil levels. You'll know your oil levels are low if you pull out your dipstick and the oil doesn't reach the lowest notch or dot.
2. Do Uber and Lyft cover oil changes?
Since you're an independent contractor when you drive for either rideshare platform, your vehicle maintenance expenses are not covered. However, Uber states that its drivers can receive 15% off oil changes at Firestone, Maaco, Meineke, Midas, Jiffy Lube, Sears Auto Center, Valvoline, and Advance Auto Parts. Lyft states that drivers can receive hefty oil change discounts at Pep Boys.
3. Can I get a tax deduction for my oil change expenses?
In most cases, oil changes do qualify for tax deductions, since this vehicle maintenance is directly aligned with your work. We recommend speaking to your CPA or automatically tracking expenses with accounting software like Freshbooks before writing these expenses off, but the majority of the time, you'll receive at least a partial deduction.
4. Do Uber and Lyft have oil change requirements?
Because rideshare companies cannot predict your driving habits, since most drivers use their vehicles for personal and professional use, Uber and Lyft do not have oil change requirements. It's up to you to keep up with this part of your maintenance schedule and understand that poor maintenance can affect your safety and your passengers' safety.
Keep Up With Your Engine Health
When it comes to your engine, frequent oil changes can be the secret to life. Understanding your vehicle's required maintenance routine will allow it to last for more years, which means an immense return on investment within your rideshare gig. The more proactive you are, the fewer damages you'll have in the long run, which means thousands of dollars saved.
Brett Helling is the owner of Ridester.com. He has been a rideshare driver since early 2012, having completed hundreds of trips for companies including Uber, Lyft, and Postmates. In 2014 he acquired Ridester.com to share his experiences with other drivers. His insights are regularly quoted by publications such as Forbes, Vice, CNBC, and more. He is currently working on a book about working in the Gig Economy, expanding his skill set beyond the rideshare niche. Read more about Brett here.


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NOTE: the following document was found, covered in Bovril stains, at the bottom of a box of notes submitted by the South African Navy to the Seriti Commission of Inquiry in August, to support its claim that the three Arms Deal frigates had been used to safeguard the 2010 World Cup.
Captain's log, SAS AmaTeurish, 08 June 2010. 21h00 Military Time, 13h23 African Time:
Top secret briefing from the Deputy Minister's Deputy MEC's deputy spokesman, very hush-hush, mainly because his mic isn't plugged in. Gist of briefing is that the Navy is going to play a vital role in making the World Cup safe, but more importantly, so we know what to say in case anyone ever questions why we bought the frigates in the first place. Spokesman takes us through various role-playing scenarios, all of which feature us telling a commission of inquiry, "Yes, I know they cost R3 billion each, but you must remember that without them the 2010 World Cup final would have been played between Somali pirates and al-Qaeda terrorists, and that wouldn't have been very Waka Waka, would it?"
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Wrangler® FR Advanced Comfort Regular Fit Jean.Features: NFPA 2112; HRC 2; ATPV 17 Calories/cm2.Compliant with OSHA 29 CFR 1910.269, NFPA-70E, ASTM F1506-02ael.
Authentic five pocket styling. More comfortable waist. Arc-resistant button waistband closures. High quality brass zipper with Nomex FR zipper tape. Flame Resistant pocketing. Reinforced back pockets. Nomex FR thread used in all garment seams. Fits over boots. Safety orange outside ID for high visibility.
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