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This Floral Wedding clip art set includes 18 .png high quality (300dpi) hand drawn digital illustrations for instant download. The graphics are limited commercial use, no credit required (see terms for details).
If you want these illustrations in different colors, get the EPS file! Find it here: https://creativemarket.com/citrusandmint/19800-Floral-Wedding-Clip-Art-.eps-files
The watermark will be removed. All images are colored as shown and 6 inches at their widest point.
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From the spiritual focus of the Japanese tea ceremony to the friendly banter of the factory workbreak, the Tea Break Film Festival looks for a wide range of fiction, documentary, art and interesting commercial promotions to celebrate people resting and reflecting with curiosity, wonder and fun.
We have screened in a local café-bar, an art college and the world's smallest portable cinema – a two-seater Mogo caravan – which went onto host screenings from Ken Loach's anti-slavery festival, Unchosen.
Relaxing and stimulating, engaging and ordinary, reflective and speculative – the Tea Break Film Festival offers film-makers and audiences alike a refreshing ceremony of short films.
Previous winners' of the prestigious Tea Break Film Festival 'La Grand Théière' award are Mark Richardson (Open Gardens'), Graham Beck (A Song For Those Not Listening), and Morgan Spencer and Alec Doherty (Andy Smith Makes Beer) and last year was Saman Hosseinpuor's Autumn Leaves.
Submitting Your Film
Submissions for 2017 have now closed, for those 54 of you who have submitted a film we would like to thank you very much.
The Tea Break Film Festival: films which are refreshing, restful and engaging

subset: commoncrawl


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Hello there to all RNBxBeatz visitors!
As of 23rd August, 2010, you would have stumbled across a message saying "This Account Has Been Suspended"
We have fixed this issue and we apologise for any inconvenience. If you have any friends who still cannot access our website, suggest to them to use a different web browser (Internet Explorer, Firefox, Chrome, Safari) or to clear their current browser's cookies. You can follow updates from our Facebook Fan Page when our website is down. For that, thats all we have to say.
From Steven & Jimzo.


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Thank you for purchasing a 2017 Flying Eagle Disc Society membership! We sincerely appreciate your support for disc golf in Eagle County, Colorado.
You now have two options for picking up your membership package:
– Pick it up at any FEDS event (Monday Tags, Wednesday Doubles)
– Organize a time to pick it up in person (please email email@example.com to set up meeting)
– Contact us to have it shipped to you (please email firstname.lastname@example.com)
For more info on the club and our events, you can follow the the FEDS in the following ways:
– Web site: www.flyingeagledisc.com
– Facebook page: www.facebook.com/groups/FlyingEagleDisc
– Instagram: @flyingeagledisc
– Twitter: @flyingeagledisc


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Board of Directors
Frank Giustra is a successful company financier with a track record of building natural resource companies. Mr. Giustra has had an active role in the launch and growth of several major natural resource companies, many with operations in Latin America. Mr. Giustra is CEO of Fiore Financial, a private firm managing a broad portfolio of equity investments. Mr. Giustra was a director of Endeavour Mining from September 2013 until July 2016, Chairman of Endeavour Financial from 2001 until 2007, and former CEO of Yorkton Securities.
Neil Woodyer has extensive history in the mining sector creating growth strategies, implementing financing plans and leading management teams. In 1988, Mr. Woodyer was a founder of Endeavour Financial, a successful mining merchant banking and advisory business. In 2009, Mr. Woodyer, then Endeavour's CEO, and Mr. Giustra devised Endeavour's gold growth strategy and in 2010, Mr. Woodyer led the transition of a financial company (Endeavour Financial) into a mine operations and development company (Endeavour Mining). Endeavour Mining successfully grew into one of the largest gold producers in West Africa through a series of acquisitions, successful expansion and optimization projects, and new mine construction. Mr. Woodyer left Endeavour Mining in June 2016.
Gordon Campbell was a Canadian diplomat and politician. From 2011 to 2016, he was the Canadian High Commissioner to the United Kingdom. He was the 34th Premier of British Columbia from 2001 to 2011 and was the leader of the Official Opposition in British Columbia from 1994 to 2001. From 1986 to 1993, Mr. Campbell was Mayor of Vancouver, British Columbia. Prior to serving in politics, Mr. Campbell was a real estate developer and a CUSO teacher in Nigeria.
Gen. Wesley Clark is a retired 4-star U.S. Army General. General Clark spent 34 years in the U.S. Army and held several Commands including Supreme Allied Commander Europe of NATO and, earlier in his career, Commander, U.S. Southern Command, which covers activities in South America and Central America. Currently, General Clark heads a strategic advisory and consulting firm.
Lord Garel-Jones PC is the former Chairman of UBS Latin America. He was elected Conservative MP for Watford, England in 1979. In 1983 he joined the Whip's Office and was successively Lord commissioner of the Treasury, Vice-Chamberlain, Controller of the Household and Treasurer of Her Majesty's Household. In 1990 he was appointed Minister of State at the Foreign and Commonwealth Office with responsibility for Europe and Latin America. He was made a life peer in 1997.
Peter Marrone is Chairman and CEO of Yamana Gold, which he founded in 2003. He has more than 30 years of mining, business, and capital markets experience. He has been on the boards of a number of public companies and has advised companies with a strong South American presence. Prior to Yamana, Mr. Marrone was the head of investment banking at a major Canadian investment bank and before that, practiced corporate law in Toronto with a strong focus on corporate law, securities law and international transactions.
Richard Orazietti is the Senior Vice President, Treasurer at Goldcorp. Prior to Goldcorp he was Vice President of Finance at BCE Inc. where he led the financial management of various operating divisions. Mr. Orazietti has extensive experience in finance and accounting, risk and assurance, operational management, strategic planning, and corporate development. He is a Chartered Professional Accountant in British Columbia and holds a Bachelor of Business Administration from Simon Fraser University, and is currently completing a Global Executive MBA at IESE Business School of the University of Navarra.
Miguel Rodriguez has extensive experience in the private, public and academic sectors. He was the Economic Minister and Chief of the Economic Cabinet of the Republic of Venezuela from 1989 to 1992. He was the President of the Central Bank of Venezuela, and was a Governor to the International Monetary Fund, the World Bank, and the Inter-American Development Bank. Subsequently he was Senior Advisor to the World Bank. He was also a Professor of Economics at IESA in Caracas until 2008. Mr. Rodriguez was a director of Endeavour Mining from September 2013 until July 2016.
- Audit Committee
- Corporate Governance and Nominating Committee
- Remuneration Committee
- Safety, Health and Environment Committee


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Minouche is French for kitten – I wanted a European name to reflect the fact that the clothing I've designed has been influenced by gorgeous vintage European designs. I chose kitten because they have a lot in common with little girls – they are both cute, sweet, curious, playful and very lovely.
The Minouche clothing is designed by me, from our little house in the beachside suburb of Cronulla, Sydney. With two little girls, I wanted unique, sweet, simple and lovely clothing for them that was ethically made and fabric that felt good – without a huge price tag. I also wanted to create a business that would allow me to work from home, so combining the two seemed like a logical progression. What lead you to start your own children's clothing brand?
Initially I just started sewing as a hobby. I bought a sewing machine totally on a whim. I wanted something to do in the evenings that wasn't about cleaning, or the kids, or just sitting around watching TV. I then progressed to selling handmade pieces through Etsy. I wholeheartedly encourage anyone with a little idea to start there, as it's such a supportive environment that allowed me to figure out if this was what I really wanted to do, and on a small, non-scary scale.
Before too long, and much to my surprise, I wasn't able to keep up with the orders I was getting. I was also surprised at how much I enjoyed and needed the creative side of my little business. I'd been giving some thought to the idea of going back to work, but adding up the figures I realised that putting two kids in daycare to work in an unsatisfying job wasn't going to make me any more money than staying at home and working on my own business – and it certainly wouldn't give me any kind of creative outlet. What is your creative process and design inspiration behind Minouche? Once I've finished the sketches, I try and imagine each one fitting in with a story I've written for the collection. If it doesn't fit in with the story I've written, it's out. I wish I could include every design that pops into my head, but from a financial perspective, it's not possible. So, I have to remind myself that if I can't let go of an idea, I can always include it in the next season. Once
I've finalised the sketches, they're sent off to a lovely team of penjahit (seamstresses) in Bali who bring them to life. In the meantime, I will be sourcing fabrics and perhaps other embellishments from all over the place such as Australia, India, the US, China and Bali. Once the final samples have been refined and approved, the team in Bali go into production. After it arrives in Sydney, it comes to me for the admin side of things: product photography, inventory and distribution etc.
What pieces can we find in the Minouche range?
Playsuits, sundresses and shorties (bloomers), with the addition of a fun tulle skirt or cape. I don't know any little girls who don't like to dress up occasionally, even my tomboy daughter. All the pieces have been designed to be simple and casual enough to wear on a day to day basis, but can also be dressed up for a family gathering or a party. Can you tell us about your latest collection? What inspires your collections?
The latest range is the Minouche spring collection (for girls aged two to five), that is based on a story I wrote called Lolly and the Moon. It's about a little girl who gets taken to the moon by a fairy she finds in her garden. I find inspiration everywhere and easily get distracted trying to follow too many paths at once, so I've found that by writing a story I was able to clarify the collection. When it came to deciding what pieces to produce, I could ask myself if I could see this little girl I'd imagined wearing them. I've done the same thing with the summer collection (for three months to eight years). Although I don't take the stories too literally when finalising the collection, it really helps having a muse in mind – someone to picture wearing the pieces.
I find a lot of inspiration in the books of my childhood – Enid Blyton characters, Anne of Green Gables, the Laura Ingalls stories (Little House on the Prairie). While I don't aim, or want, to recreate the vintage pieces exactly, I love the sassy but sweet attitudes of the characters in these stories.
I also spend a lot of time reading magazines, and on Instagram and Pinterest. I draw a lot of inspiration from those sources, especially vintage children's clothing. I have made a conscious decision not to follow too many children's clothing labels on Instagram though – at the beginning I did, and I constantly felt like I should be producing different pieces, or including something because everyone else was doing it. It's too easy to let the self-doubt slip in when you start comparing everything you're doing with all the wonderfully talented, creative people out there, so now I just try and do my own thing.
Top 5 pieces in the Minouche collection?
1. The tulle skirts/capes – it sold out in a couple of weeks, so there will be more coming in 2 October.
2. The Evie playsuit in chambray
3. The Evie dress in blush
4. The Lolly dress in orchid
5. I have a gorgeous indigo maxi skirt coming in the summer collection that I think will be a hit too.
What challenges have you faced starting your own label, and what are some things you love about it?
Dealing with suppliers in other countries has certainly been a challenge. I have learnt to be ultra clear in communication and to double check everything! It's so easy for things to be miscommunicated or lost in translation.
Having to work with the kids around isn't always easy. I either feel guilty for not giving them enough attention, or cranky at them for not letting me get work done…and then guilty about being cranky. The kids can also be somewhat of a workplace hazard. I'm constantly in fear that one of them will upend a bowl of weetbix all over some parcels waiting for shipment, or take a texta to something!
On the other side, there is so much to love, like the ability to earn an income while still spending time with my girls. I love sending packages off to all corners of the world, and receiving positive feedback. It's nice to be doing something creative.
Being a mum can be pretty mundane at times, I spend half my time on the floor wiping up food spills, mediating between the girls, picking up toys…so having an outlet to do something else makes me much happier.
The people I've met on my journey so far, on Instagram, and also customers and my stockists, have been a huge bonus – there are just so many lovely, kind and supportive people around. Is there anything you'd like to share with other mums who may be trying to combine their lives as business owners/designers and caretakers?
I'm not too good at it, but try to allocate specific times for work, so you're not checking your emails and Instagram while you should be giving your kids some attention. I feel much less guilty about time spent away from my kids if I know I've given them quality time and have been present with them when I'm not working. Don't feel guilty about a little screen time if you need it to get some work done. Know that your work is your work – working from home doesn't make it less valid.
We're all about celebrating Australian motherhood and creativity on child mags blog, what does it mean to you to be an Australian creative who is also a mother?
I feel truly lucky to be able to bring my kids up in this wonderful country. Not only are we blessed with such a safe environment, but the quality of life – our outdoor environment, beaches, parks; our education and health system; the availability of gorgeous, fresh produce – is also amazing. I'm also grateful for the options afforded to many women. Of course, not everyone is in their ideal situation, but with free education, parental leave payments, subsidised childcare, and a good government support network, women in Australia have many more options available to them than their counterparts in other countries. I hope that the opportunities available and support for women only gets better over time, so that my daughters will be able to find fulfilling work while being able to raise a family, if they choose to do so. Where can we find the Minouche range?
Minouche is currently stocked in NSW in the Infancy stores (Rozelle and Newtown), My Messy Room in Summer Hill; in ACT in Tip You're It; in WA in The Greater Good; Merry Love Joy in the US also stocks a small range. Online stores are Mabels Garb, Indigo Babe, Mini Wild Child and Lil' Threads.
Ally Mahoney is the creator and founder of super sweet children's wear label Minouche, she lives in Cronulla, Sydney, and is mother to Lottie, 4, and Molly, 21 months. You can find the gorgeous Minouche collection via their website and connect with them on Instagram and Facebook. You can also read Ally's Minouche collection stories HERE.
Interview: Jenna Templeton / Photography: Ally Mahoney


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A young man in his late twenties, who suffers from anxiety and obsessions, took Trazodone (Desyrl) for insomnia and had the following nightmare:
"It was weird man. I can swear it would not have happened but for that medication. It was so real and so frightening that I could not believe it was happening. I was busted for doing shitload of drugging and drinking. Put in jail. My wife was very against whatever was going on. Against me for what I had done. She brought my [2-year-old] son and he wanted to hug his dad. You know how much I love my son, and how attached he is to me. But my wife was making it appear to him as if I was a piece of garbage. She was using my son against me. Deprive me of his love.
"Not just my son. Her sister was there too. In fact all her relatives, especially the Mom's side - the Mexican side - were there. Her mom, her grandmom, the entire Mexicans clan. And I was stumbling in front of her grandmother. She was the one who speaks no English. She was the only one who was willing to forgive me. You know how Catholics are. They forgive you no matter what sin you commit. That must be the reason why the dream brings those Mexicans in to the dream. Those relatives of my wife are super religious people. But even they looked as if they were not willing to forgive me. Only the grandma. She was giving me hugs. Though I could not understand her, for she was speaking in Spanish. I was calling her Ayah. That is what her relatives call her.
"And it is just not her relatives who are against me. In the jail there are people from my past. My buddy Jim is there. They are all major problems. For these buddies, the things we did together, were major problems. I have abandoned them. But they were back in the dream, and right inside that jail.
"And then it gets even darker. You know I am in jail and how things are in jail. There are big guys there, taunting me that I will be somebody's bitch. Somebody's homo bitch. One of them hits my buddy Jim. It is scary. It was like warning to me. In fact the dream goes in to the Scared Straight Zone. There is a big back guy. He comes in the movies. He is a big ass black dude. He was lecturing me as if we were doing the Scared Straight stuff. And I couldn't do anything about anything. I was like restrained. Finally I woke up. In extreme fear. I would not go to sleep for an hour or so, the dream was so vivid and frightening.
Since the patient sees me just for half hour - he cannot afford more time than that - the individual elements of the dream could not be subjected to analysis, but there was no question that the entire thing was a series of punishment being meted out to the dreamer. In fact there was hard to see any trace of any wish fulfillment anywhere. To sleep experts like Ernst Hartmann, Alan Hobson and Robert McCarley who do not see dreams as wish fulfillment, this would be a treasure trove of a dream. For it thoroughly contradicts the classical Freudian view as to why we dream. Hobson and McCarley will find it especially heart warming for the fact that the dream appeared totally chaotic and senseless to the patient. This so much supports the contention of their Activation-Synthesis hypothesis that dreams are nonsensical and generated by random stimulation coming from the base of the brain. As to why such a chaotic and senseless visual imagery would cause such severe fear in the patient that he could not go to sleep for an hour, would of course be asking way too much from those Harvard professors.
But I was not ready to give up the idea that the long series of humiliation - the derision of his wife, denial of the love of his son, the refusal to forgive him for whatever transgression he had done even on part of those super Christian Mexicans - was not a reaction on part of his conscience/superego for some momentous crime.
But what could be that momentous crime [wish] which had provoked such a series of punishment?
For the whole dream is nothing but punishment in one form or other. His doing drugs and alcohol - which he has not done for years - and getting busted for it! The taunting that he'll be made into somebody's bitch - a homo bitch on top of it - his admonishment by the black film star in the style of "Scared Straight", his friend Jim getting pummeled and made into an example as to what fate awaits him - were more of the same.
Was there any hint of that crime/wish in the manifest content of the dream or had it remained shackled in strong repression and only the violent reactions to it had been able to attract the dream-consciousness?
Now we know that going to jail in dreams is often the manifest content of the wish to return to mother's womb - one of the primal fantasy of mankind. Both are places where one remains confined.
But why do humans dream of returning to the womb?
If life becomes too stressful or painful, the primordial memory of the womb and its safety becomes the sanctuary which one seeks to find; if not in real life then in one's sleep/dreams. Also the forbidden wish to copulate with the mother, once the incest barriers are erected can only be fulfilled by entering into the womb as a whole person. The dread of incest/castration is so strong that entry into the mother through copulation becomes impossible and the dreamer has to substitute his entire person as a substitute for the penis. I will not be surprised if more thorough psychoanalytic investigation shows us that many habitual offenders, who prefer confinement over living on the outside, are not fulfilling the womb fantasy in a very distorted fashion, and acting it out in real life not just in dreams.
We also know that this fantasy to return to the womb to escape from the painful world, when indulged in real life or in dream, hardly brings any happiness. In dreams one's rivals from the childhood, the father, the siblings, and their substitutes in the larger society, they return too to prevent one from enjoying the fulfillment of this most forbidden of wishes. And in my patient's dream we can see how a whole slew of people were out to spoil his pleasure of being reunited with his mother. The fear that he will be made into a homo bitch in the prison was again a dread of his being subjected to the same treatment by his father which he wanted to subject his mother.
Some of his other dreams from the past on analysis had shown how his dread of his father for the forbidden Oedipal wishes had bred a desire to placate his father with homosexual submission, which he energetically repudiated and which only emerged, and very indirectly, in his dreams.
"Why was the grandmom, the one you were calling Ayah, giving you hugs? I asked the patient.
"I don't know. But she was the only one in that whole frigging dream, who was not against me."
"Is it because you two were kind of exchanging affection while everybody else was like condemning you for doing that?"
"Yes. It makes lot of sense. That old Mexican lady, she reminds me of my mother. I could do anything wrong but could still count upon my mother to always be on my side and forgive me. Now she is gone, and I look upon this Mexican lady as my Mom. She is so kind, and looks so helpless, just like my mother was when she was dying and I had to take care of her for almost two years as she lay terminally ill."
"What was the role of Trazadone in all this?" I asked him.
"You know how these psychiatric medications sometimes can bring up the most weird-ass things to the surface. I think the Trazadone just made my mind to dream whatever I was dreaming."
I did not disagree with the patient loudly but I could not help but think that he should be made a Harvard Professor of psychiatry too, for they too, like him, believe that a pill or random signals running up from the Pons to the Cortex can produce dreams.
However, the more correct explanation would be that Trazodone caused enough arousal in the brain that his dream-thoughts which on other nights would not have attracted consciousness did so on that particular night. For dreaming state is a state of partial wakefulness. The PGO (Ponto-geniculo-occipital ) waves during REM sleep are not responsible for producing the dream thoughts, they are responsible for producing a state of partial wakefulness, which enables dream-thoughts to be perceived, and which gives us the illusion that we are awake and watching what is happening in the dream as if it is real.


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Value for money is emerging as a key issue in the pensions world. This is particularly true in the UK where the Financial Conduct Authority (FCA) has made clear it will scrutinise schemes for value for money (VFM) and, potentially, take action where it finds schemes are deficient. However, the FCA has not defined VFM and has, for the moment, left it to pension schemes to establish their own definitions.
Amid this backdrop, Natixis Global Asset Management held a Value for Money Workshop at its London offices in July 2016.
The attendees, who included portfolio managers, general counsels and pensions specialists, considered what pension schemes should be doing to meet the VFM challenge head on.
Why focus on VFM? Why now?
The context for the workshop is the increasingly challenging environment for DC pension providers:
- DC schemes and members are proliferating, and scheme administrators and trustees are adjusting to ever-growing volumes of savings
- Demands are increasing for member-specific investment strategies.
- Volatile markets and central bank action mean there is little visibility over returns – even over the long term.
- Schemes face a rising regulatory challenge, through the imposition of fee caps and increasing demands for schemes and their fund managers to deliver VFM.
With these demands already on pension schemes, few have had the time or resources to devote to VFM issues. The workshop attempted to frame the VFM debate and come up with some useful definitions and potential practice areas.
Let's try to define VFM
From a pension scheme member's perspective there is no true way of knowing whether you are getting value for money until you start receiving scheme benefits. This makes a defined contribution (DC) provider's job challenging. In the absence of regulatory prescription, providers are tasked with defining what VFM may mean for their membership as a whole and for individual members throughout the pension lifecycle.
The seven industry participants at the workshop were invited to offer definitions of VFM. These definitions were filtered into categories, and participants then scored each category.
The results are summarised below. As can be seen, investment performance is regarded as most important, with communication and engagement close behind.
Summary of the Results - headings voted for..
Source: Natixis Global Asset Management, Portfolio Research & Consulting, August 2016
It was agreed that the categories and the scores accorded to each needed further exploration:
Investment performance. Performance can mean different things to different constituencies. While pension schemes may benchmark performance against other schemes or against a market benchmark, scheme members are not interested in benchmarks. They simply want their annual statements to show consistent and stable (non-volatile) fund growth. It was suggested that "investment proposition" is a better description of what schemes should focus on than "investment performance". Investment proposition could include quantitative metrics such as performance, while qualitative metrics could include the product range, the investment process, retirement choices and ease of use.
Communication and engagement. Perhaps the most valuable activity a DC provider can carry out is improving engagement and getting scheme members a) to invest at all, and b) to think about what they are investing in. Engagement is also poor in the run-up to retirement, with the average member typically only thinking about their options a year or so before taking benefits. This is possibly because pots are currently small and most members choose to withdraw cash. As larger pots reach maturity, schemes will need to improve communication around the transition period. This is a key VFM issue, even though it is separate from investment performance and charges (which the UK regulator probably has in mind).
Charges. Partly because of media focus on charges, scheme members are now more aware of the issue and are asking questions of their providers. However, the issue is not solely the quantum of charges, but about systems of charging and whether they are equitable and address conflicts of interest between fund managers, schemes and members.
While the charge cap is important in terms of its constraints on asset allocation, to some extent it is a red herring because it does not address fee alignment and the question of VFM.
The regulator may at some stage look at bundled charging, as it did in the Retail Distribution Review (RDR), which came into force in 2013. Providers should probably think about issues of transparency in advance of any regulatory move. For example, should scheme members be footing the bill for research costs?
Product. VFM as it relates to product is likely to mean:
- A fund range which is suitable for the particular membership profile.
- Sufficient, relative choices at retirement.
- Regular reviews of investment options
- A fit for purpose default.
- No barriers to additional contributions.
Governance. Scheme members have effectively delegated someone else to look after their pension and their future. They expect providers to have effective governance – this is a key trust issue and a major VFM proposition.
In search of relevant VFM benchmarks
For members and DC providers alike, a level of consistency and standardisation is required to create benchmarks. Without benchmarks, VFM cannot be assessed.
Benchmark aspirations include:
- Benchmarks of peer groups.
- Benchmarks of performance vs risk (the type of risk measure could have differing interpretations).
- Peer groups vs the market.
- Independent Governance Committee (IGC) vs master trust.
Portfolio management VFM
In a session presented by Andrew Kinsey-Quick, a consultant in Natixis Global Asset Management's Portfolio Research and Consulting Group (PRCG), the focus was on the investment proposition and particularly on the desire of scheme members to access stable returns. The goal of the session was to emphasize the importance of incorporating risk alongside performance as a key part of the VFM consideration.
Kinsey-Quick demonstrated, below, the difficulty portfolios experience when trying to recover from drawdowns caused by extreme market events. As can be seen, it took index-tracking investors more than three years to recover losses from the 2000-02 downturn in the FTSE All World Index, and more than four years to recover losses suffered during the financial crisis.
Recovering from deep drawdowns is tough
It took 91.50% over 798 trading days (just over 3 years) to recover from the -47.78% drawdown
It took 138.15% over 1,066 trading days (just over 4 years) to recover from the -57.95% drawdown
Cumulative drawdown of the FTSE All World TR USD Index daily through June 2016
Source: Bloomberg
Portfolios that are apparently diversified can be shown to be more correlated than schemes believe. The grid, below, shows for example that correlations are high across much of the equity portion of a typical "balanced" portfolio (which contains a wide range of traditional and alternative assets across geographies, sectors and asset classes). The darker areas indicate the highest levels of correlation.
Is the portfolio diversified?
Source: Natixis Global Asset Management, Portfolio Research & Consulting, August 2016
It is clear that despite the wide range of asset types, the portfolio is not sufficiently diversified and, in down markets, could suffer significant losses.
As part of the process to create a more diversified portfolio, investors should consider the five principles of Durable Portfolio Construction (DPC), as defined by Natixis. This process starts with risk. Assessing portfolio risk can mitigate the risk of significant loss from which a pension scheme's portfolio cannot organically recover.
In mitigating the risk of significant loss, the portfolio return can focus on compounding returns, whereas significant loss leads to schemes having to recover these losses before being able to compound returns again.
A durable approach
Natixis Global Asset Management's investment approach (DPC) is designed to reduce the impact of volatility and help build more resilient portfolios. Through conversations with DC schemes, sponsors and scheme members, Natixis' approach helps define and achieve better risk adjusted outcomes.
To help clients build durable portfolios, in 2010 Natixis created the Portfolio Research and Consulting Group (PRCG). Working with thousands of clients across many regions, the group offers a free, bespoke service using advanced analytical capabilities to help improve the way portfolios are created and managed.
For scheme consultants, PRCG is a second pair of eyes to complement their own client activities, while for scheme trustees it can provide a sense-check to ensure the investment strategy is on track. For independent governance committees (IGCs), it can check the relevance, suitability and value for money of the funds they are tasked to govern.
Conclusion – the path to VFM clarity
Value for money is not currently clearly defined by either the regulator or the industry. But common sense and experience can provide considerable clarity even at this early stage. The categories defined by Natixis' panel and the explanation of them surely represent a good starting place for many schemes.
In terms of investment performance – the key VFM issue for scheme members approaching or reaching retirement – a robust, risk-based approach to selecting and combining assets is critical. The reassurance that assets are not exposed to excessive market risk and can compound year after year is uppermost in the minds of most rational scheme members.


text: Page ContentPan American Silver Corp. acquires Minefinders Corporation Ltd. for C$1.4 billionDate Closed: 3/30/2012Value: C$1.4 billionOn March 30, 2012, Pan American Silver Corp. successfully completed its acquisition of all of the issued and outstanding common shares of Minefinders Corporation Ltd. The acquisition was effected by way of a court-approved plan of arrangement (the Arrangement) under the Business Corporations Act (Ontario). Under the terms of the Arrangement, former shareholders of Minefinders received, on average, C$1.84 and 0.55 of a Pan American share in respect of each of their Minefinders shares, subject to some variation based on elections and prorationing. The total transaction value was approximately C$1.4 billion.Pan American's lead counsel was BLG in Canada with a team that included Fred R. Pletcher, Graeme Martindale, Michael Waters, Samir Patel and Zohar Barzilai (M&A); Martha Martindale (banking); Richard Bennett and Carolyn MacDonald (tax); Shelley-Mae Mitchell and Lisa Carlson (labour & employment); Jeffrey Thomas (competition); and Kara Beitel (litigation).


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‡Source: 2017 American Customer Satisfaction Index® (ACSI) for Internet Service Providers
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Associate Professor
Job description
University of Colorado - School of Medicine
Associate Professor
We seek candidates with expertise in one or more areas of health services or outcomes research, including surgical outcomes, epidemiology, health services research, health program evaluation, comparative effectiveness, quality of life, and medical decision making. The successful candidate will already have funded research in one of these areas and will be equipped to mentor junior faculty in surgical outcomes research. This faculty member will be charged with developing surgical outcomes research, with roughly half of their time devoted to providing mentorship and program development and half developing selected areas of surgical outcomes research. The candidate will teach and mentor Surgical Faculty and Research Fellows; publish in peer reviewed journals; and collaborate in obtaining extramural support for health services research. The degree to which the candidate will conduct independent research and seek extramural support for their own work will be negotiable.
The candidate will join the Surgical Outcomes and Applied Research (SOAR) program and participate in a dynamic, multi-disciplinary faculty engaged in cutting edge surgical outcomes research. SOAR's mission is to improve patient care through health services research, develop local expertise and leadership in health services research, and train future leaders in health services research. Consistent with the call of the current National Institutes of Health roadmap for interdisciplinary models of research, SOAR projects consistently rely on collaborations among clinicians, health services researchers and statisticians.
Minimum Qualifications:
- Research doctoral degree in health services research, epidemiology, public health, or related discipline
Appointment at the Assistant level requires:
- Demonstrated ability to conduct independent research in health care and publish results
- Demonstrated experience in methodological consultation and mentoring
Preferred Qualifications:
- Candidates at the level of Associate Professor or above with funded surgical outcomes research, peer-reviewed publications, teaching experience and specific interest in adult surgical outcomes are preferred. A proven track record of successful research mentorship and program leadership are also desired.
Salary and Benefits:
Salary is commensurate with skills and experience. The University of Colorado offers a full benefits package. Information on University benefits programs, including eligibility, is located at Employee Services.
The University of Colorado Denver is dedicated to ensuring a safe and secure environment for our faculty, staff, students and visitors. To assist in achieving that goal, we conduct background investigations for all prospective employees.
The University of Colorado strongly supports the principle of diversity. We encourage applications from women, ethnic minorities, persons with disabilities and all veterans. The University of Colorado is committed to diversity and equality in education and employment.
The Immigration Reform and Control Act requires that verification of employment eligibility be documented for all new employees by the end of the third day of work. Alternative formats of this ad are available upon request for persons with disabilities.
Application Materials Required:Cover Letter, Resume/CV
Application Materials Instructions:
Applications are accepted electronically at CU Careers, refer to requisition ID: 11203
When applying, applicants must include:
- A letter of application which specifically addresses the job requirements and outlines qualifications
- A current Resume/CV
- The names, addresses, daytime telephone numbers and e-mail addresses for three professional references, either attached to your resume/CV or uploaded as a separate document
Please do not submit any of your application material (via email) to the job posting contact.
Job Category: Faculty
Primary Location: Aurora
Department: H0001 -- Anschutz Medical Campus - 20306 - SOM-SRG-CH General Operations
Schedule: Full-time
Posting Date: Sep 26, 2017
Closing Date: Ongoing
Posting Contact Name: Jennifer Peterson
Posting Contact Email: [email protected]
Position Number: 00738622


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LG Smart AC with mobile app
14 Jul 2017 04:32
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Spinal Tap
The Control Group is proud to release "This Is Spinal Tap" on vinyl on June 11, 2013. This the first time the album will be available on vinyl since 1984. Black cover. Black vinyl. Black inner sleeve. Deluxe gatefold package with original liner notes from Rocklopedia Brittanicus. All 11 songs from the movie This Is Spinal Tap.
Available for pre-order now from:
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- Home
- /Archive by category ' Blog '
Archive For: Blog
The Benefits of Having a Photo Gallery on Your WebsiteEvery business needs to familiarize their customers with their products and services. Therefore, it is imperative that they include photo galleries on their website, since it will allow the customers to become more familiar with the products or services that are being delivered to them. It is also a great way to provide customers with ... Read More
Why Your Business Needs A Responsive Web Design In 2015?As Morgan Stanley predicted back in 2010 that very soon, mobile devices would take over desktops, and today in 2015, when smartphones, tablets, and laptops have all but wiped out conventional PCs, designing a responsive website is no longer an option for business owners- it's a requirement! And if you are still wondering what makes ... Read More
Business Connect Bundles – Getting your business "on the grid"If you own a Kansas City business and want to really succeed in today's rigorous market it is necessary to have a good strategic Kansas City web design in order to draw customers to your business as well as providing them with information about your company and a place for customer to provide feedback. Doing ... Read More
Is Your Website's Blink-Test Positive?It's a fact. Upon landing on your website, prospective customers will spend only eight seconds to decide whether to bounce or stay, read your message and content, and to test your site's page-depth. Reality, however, is far too cruel to give tell you the complete truth. It is true that visitors, on average, will spend ... Read More
DIY Web Designing: What You Should Know!Designing an unbeatable website demands a lot of time, resources and involvement on the part of the owner. For the tech savvy customers, it is the first point of contact. So it is safe to assume that your website will determine whether your customer will convert into a consumer or not. With that in mind, ... Read More
Website Maintenance: What It Includes and Why You Need It?From conventional medium of communication to the development of digital realms, the journey has been pretty quick and eventful. The online world we see nowadays is extremely dynamic and ever-changing. In order to keep up with these changes, it is important for you to keep your web presence up-to-date with the latest offerings. This does ... Read More
Kansas City Web DesignIf you are looking for a great web presence and design then why not take a look at our Kansas City Web Design for all your needs. We offer you fast, creative and reliable web sign along with SEO services. We give you different aspects including digital design, animation, web development and e commerce for ... Read More
Why You Should Create a Website for Your BusinessIf you are a business owner, then you would know that one of the best ways to market your product or service it to have an online presence. A solid online presence can definitely help your business because of the convenience it brings to the consumers, as well as the control you give to the ... Read More
Unprofessional Website MaintenanceUnprofessional Website Maintenance Poses a Significant Risk to Your Business Website Website maintenance is the practice of making changes and updates to a website to keep it running smoothly. Website maintenance is an extremely important activity – businesses cannot afford to launch a website and forget about it. Maintaining a website is an ongoing activity ... Read More


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We have added even more merchants to choose from this year! Come to the Fayre to see:
-The Hare and The Hart | Home of the Toile of Tallahassee
-India Hicks | Extraordinary handbags, jewelry, and accessories
-Matilda Jane Clothing | Whimsical girl's clothing
-Painted Nest Studios | Art, home & garden decor, and seasonal items
- High Cotton | Decor & More
-The Soap Slather Company | Handmade soaps, lotions, and scrubs
-Pam Jam | Jams & jellies
-JazzyGlass | Stained Glass Mosaics & Jewelry
-Reed & Co | Farmhouse Decor & More
and our own St. Peter's Bookstore!
The NEW English Country Market


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After Hours Mechanic6151 U.S. Highway 431 South
Headland, Alabama 36345
(334) 585-1230
Charles Johnson Automotive Inc104 Laurie Lane
Headland, Alabama 36345
(334) 693-3647
Headland Auto Solutions17799 U.S. Highway 431 North
Headland, Alabama 36345
(334) 693-0484
Insurance Auto Auctions Inc15994 U.S. Highway 431 North
Headland, Alabama 36345
(334) 693-4910
L & T Auto Inc17799 U.S. Highway 431 North
Headland, Alabama 36345
(334) 693-0444


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First off the social workers never called and gave us an update on the case. I don't know what the fuck that means. If they call me tomorrow with bad news I'm going to jump ugly like they've never seen. I'm going to hurt some feelings.
Second, the old fart windbag homework machine told my wife last week that Walter could do less homework because of all the stress. Today she told her he'd have to start doing it all again. I'm calling the principal tomorrow and requesting a Parent/Teacher with her and Walter's teacher. We're going to get some things straight. I've eaten enough shit. It's time for me to spit it out and let these fools know what's up. I'm a nice guy up to a point. I've requested twice for this teacher to set up a meeting for all three of us and she has blown me off. No more abide. No more Mr. Nice Dude. I'm about to go Vietnam.


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As a contractor for Appnovation Jesse helped with the Iconnectiv project, providing site building support along with technical troubleshooting support. Jesse was tasked with tasks ranging from creating content types and views and capturing in config, to troubleshooting bugs discovered by QA and either finding or creating solutions as necessary.
- Helped performing site building tasks and capturing in config.
- Worked to troubleshoot bugs as encountered with D8 modules.
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Car Dealer Reviews is an
official partner of Auto Trader
Recently bought a car from Eltham Car Sales and I am really pleased and couldn't be happier.
Reviewer has confirmed their email address
Excellent service from start to finish. I purchased a Nissan Note back in August and I have had no issues with it at all. The dealers have been very helpful and friendly and the car is brilliant value for money. I would happily recommend this dealership.
Reviewer has confirmed their email address
I'd read a few reviews before going to Eltham Carr Sales and they clearly had a good reputation. Both the car and the service were brilliant, the people were very welcoming and polite and the whole sale was relaxed and simple.
Reviewer has confirmed their email address
The service is everything and at Eltham Car Sales everything is excellent. I used Eltham last month to buy my Vauxhall Zafira and im very happy with the service, they are helpful, answer all of your questions for you and they are there when you need them. I am happy with my car so cant have a bad word to say.
Reviewer has confirmed their email address
They are local to me and was recommended so i went along. I did end up buying a BMW 330 from here, runs great and not had a problem. Because they are local they are easy for me to get to. The reason for me recommending them is that they do all you ask and to be honest i was recommended them and was happy so ive had no problems so will recommend on myself, obviously if there was problems i wouldnt recommend so its that simple really
Reviewer has confirmed their email address
This is a review for Eltham Car Sales, Eltham High Street, London. SE9 1DA
Eltham Car Sales are a used car dealership selling cars across the London area and beyond. Since they were established in 1998 they have been selling used cars across the different makes and models and also now offer on site servicing and MOTS at their tailor made garage. All cars sold at this dealer have a 3 month warranty and come with a full service check prior to sale.
Deals in: Cars
Manufacturers: Sells a variety of makes and models
Independent Dealership
|Very Good
Eltham Car Sales
Eltham High Street
Greater London
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SAN FRANCISCO (MarketWatch) -- CSK Auto Corp. CAO, +4.29% after Tuesday's closing bell reported a fourth-quarter loss of $3.4 million, or 7 cents a share, narrower than its loss of $32 million, or 68 cents a share, a year ago. Revenue for the quarter was $370 million, compared with $372 million in 2004. For 2005, the company forecast same-store sales to rise 3%. CSK expects 2005 earnings of $1.12 and $1.22 a share on revenue of $51.5 million and $57.5 million. For the first quarter, CSK forecast earnings of 16 cents to 19 cents a share.
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Updated: November 16, 2015
Is it an achievable goal to maintain lactating cows on the same forage ration for 12 months? Most people would automatically respond no to this question. Based on my experience as a dairy producer, dairy manager and nutritionist it can be a realistic goal; however it requires a very committed and focused approach to achieve that end result.
In my role as dairy producer and manager cows could remain on the same forage ration. This means that the amount of dry matter pounds fed remained the same but quality could change over time, especially when feeding hay crop forage. Producers who are excellent managers tend to be very consistent with the quality and amounts produced in spite of weather conditions. Finding the cropping strategy that works best is the key.
Hay-crop forages are challenging due to the multiple cuttings that occur. Pure stands of legumes and/or grasses are much easier to manage throughout the season compared to mixtures. There is no such thing as a normal growing season. The tendency is for excess moisture when you don't need it and not enough when it is needed. When legume/grass mixtures are grown, then the plant best suited to wet or dry conditions will prevail and over the course of several months the blend of forages in the mix can drastically change. Legumes can be forgiving in quality and quantity during drought conditions. When hay-crop forage does not make up the majority of the forage dry matter intake, a strategy would be to ensile all the first cutting. This could meet the herd's requirement for the lactating cows from harvest to harvest. There are operations that excel in maintaining similar quality material regardless of the cutting. These producers pay close attention to cutting dates, impending weather conditions, and labor management to quickly harvest and ensile material.
The positive results from feeding fermented corn silage have been demonstrated over and over again. Good managers plan out inventories to ensure the current harvest ferments for several months before feeding. There are producers who select hybrids that can be fed right after harvest when carry over is not an option. The hybrids are selected to have similar starch and fiber digestibility as fermented silage. These hybrids do not result in a milk production drop during fall and early winter months. Good management and a willingness to make adjustments quickly enable these producers to maintain consistent quality and quantity most of the time. There is always going to be a growing season that is extreme related to moisture and temperature where the 365 day forage ration may not be feasible, but it's still worth the effort to pursue this goal.
From a nutritionist's perspective, the easiest herds to work with are the ones feeding a consistent forage ration. There were some years as manager of the Penn State Dairy Herd that I formulated the ration one time in a 12 month period and the only adjustments made were to the weekly dry matter percents of the forages. This approach avoided a lot of headaches related to animal performance, required less time to reformulate diets, and the feeder didn't need to make major adjustments to the recipes. To achieve this goal, a lot of thought went into forage inventory, the storage structure appropriate for the particular forage, and the commodities that best complimented the forage ration. The objective was to provide the best ration at the best cost that resulted in the best animal performance. Even with price fluctuations of commodities, income over feed costs consistently showed that regardless of the milk price/cwt, maintaining milk income was the most important fundamental principle. By maintaining a high quality, consistent forage based ration (>55% forage dry matter), there was less reliance on purchased feeds. The commodities utilized were typically very consistent, which added to the precision of the ration being fed. A 365 day forage ration is achievable if one is willing to make it happen. Accomplishing the goal means producers must coordinate the crop production system with the feeding program and the storage resources on the farm.
Goal: Implement cropping practices to harvest and store consistent high quality hay-crop forage and corn silage so the lactating herd can receive the same dry matter pounds of forage for 12 months.
Monitoring must include an economic component to determine if a management strategy is working or not. For the lactating cows income over feed costs is a good way to check that feed costs are in line for the level of milk production. Starting with July's milk price, income over feed costs was calculated using average intake and production for the last six years from the Penn State dairy herd. The ration contained 63% forage consisting of corn silage, haylage and hay. The concentrate portion included corn grain, candy meal, sugar, canola meal, roasted soybeans, Optigen (Alltech product) and a mineral vitamin mix. All market prices were used.
Also included are the feed costs for dry cows, springing heifers, pregnant heifers and growing heifers. The rations reflect what has been fed to these animal groups at the Penn State dairy herd. All market prices were used.
Note: October's Penn State milk price: $18.51/cwt; feed cost/cow: $6.60; average milk production: 81 lbs.
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How to join or renew
- ALL new and renewing Full Memberships are to be completed online. Click HERE to open the page then click on 'New Registration' to begin. (If you are an existing member, click 'Login' and use your existing username/password)
- Payment is by credit card only
- The hardcopy SDVLCC membership application/renewal forms for Full Membership will no longer be accepted
- The option to pay an extra $80 to opt out of marshalling is still offered by the Club, and you will see this as an option on the system
- Associate Membership is available to members of other AVCC affiliated clubs. In this case, the SDVLCC Associate Membership fee of $30 is payable. Associate Members currently enjoy all rights of Full Membership but may not have to undertake marshalling responsibility. Further advice re marshalling will be forthcoming
- For administrative reasons, Associate Membership will require a hardcopy application – please contact Membership Registrar Richard Tormet
- Please note that if you do not choose the no-marshal option, you will need to take your place on the regular marshal/trail car roster (including as an Associate Member) and may be precluded from competing if you do not undertake your duty when rostered. The Club provides SAPol training for marshals
- Note for first-time-new members only: If joining prior to 1st October 2017, membership expires on 31st December 2017. If joining after 1st October 2017, membership expires on 31st December 2018.
- Transferring Clubs? AVCC and SportsTG prefer people to initiate a transfer by contacting their current club Membership Registrar to arrange the transfer.
Alternatively they can enter a new membership (not using their current username and password) and choose the new club.
If you experience any problems please contact the Treasurer/Membership Registrar Richard Tormet.


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Environmental Sports Artificial Grass grass yarn, the end of cloth and adhesive requirements
Although the Sports Artificial Grass market is growing rapidly, there is no guarantee that there will be no bad products in the market. We really need the high quality, eco-friendly Artificial Grass, which will help ensure our daily life. In fact, you want to accurately distinguish between environmental protection Sports Artificial Grass and non-environmental Sports Artificial Grass is not difficult.
The first to judge from the grass on the Artificial Grass's environmental protection, environmental protection Sports Artificial Grass's grass is usually made of high-quality olefin polymer as raw materials, and add a heavy metal-free high temperature masterbatch, processing aids Wait. Due to the fact that several kinds of raw materials are single, the quality can be well controlled, and the lawn will not cause irritation to the skin during use and will not cause harm to the environment.
The non-environmentally friendly Sports Artificial Grass's grass silk mostly because of unknown or unqualified detection of the use of recycled materials, as the source of the recovered materials are generally more complex, contains a variety of different additives, these additives after many processing is very Easily react or crack, resulting in harm to the human body and the environment.
Second, the bottom of the Sports Artificial Grass is also the basis for judging the environmental protection or not, at present, the larger Sports Artificial Grass fabric backing manufacturers are not many, they have the relevant qualification certificate, quality, environmental protection is more reliable, basically no environmental protection The problem, made of course, is Environmental Sports Artificial Grass. Some informal manufacturers of materials can not be guaranteed.
There are three main types of gum that are commonly used in Sports Artificial Grass: Styrene Butadiene Styrene, Polyurethane, Styrene-Butadiene Latex, and Polyurethane. How to choose the adhesive will also determine the environmental benefits of Sports Artificial Grass. Under normal circumstances, as long as the polyurethane is the use of norms, the latter will not produce environmentally-friendly substances, can be used in the production of environmentally friendly Sports Artificial Grass.
But styrene-butadiene latex made of butadiene, styrene polymerization, environmentally friendly styrene-butadiene latex not only qualified, and the reaction process in the precision control of the reactor, so that it * standard, is ideal for environmental protection Sports Artificial Grass The choice.
After an in-depth understanding to know, Sports Artificial Grass and natural lawn bigger difference should be in its performance, such as friction. Tests have shown that the friction produced by Sports Artificial Grass and natural lawns is different for an object.
Take football field as an example, the grass fiber of natural lawn soccer field has little friction to football, thus determining the speed that the soccer ball rolls on the natural lawn and the rolling distance is far. However, Sports Artificial Grass football field is different, it uses a chemical fiber grass, so a larger friction on football, will make the football slower rolling, rolling relatively close.
Moreover, due to the greater friction of the Sports Artificial Grass soccer field, it will force athletes to consume more energy at the same time and with the same intensity, premature fatigue and severely affect athletes' tactics. In this regard, it is important to remind you that athletes often trained in the Sports Artificial Grass football pitch try to play in the Sports Artificial Grass soccer field, otherwise the football skills and tactics will be affected.
Is that chemical fiber grass gives Sports Artificial Grass greater friction, of course, quartz sand or rubber which of course plays a reasonable role, Sports Artificial Grass quartz sand or rubber particles filling depth according to the purpose and the selected lawn beam height And set.
For high impact sports, choose Sports Artificial Grass with longer leaf bundle and fill with deeper filler. For the common sports field Artificial Grass, the suitable filling depth is 5mm away from the tip. Requires flatness, good uniformity of movement, leaf bundle may be appropriate to reduce the filling depth of the filler can be increased, or even with the lawn surface flat.


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Feast of the Conception of the Theotokos, the Prophetess Hannah, and the Consecration of the Church of the Resurrection
TODAY the Church celebrates the conception of the Theotokos, the Mother of God, the Prophetess Hannah, and the Consecration of the Church of the Holy Resurrection of Christ our God.
Many are familiar with the story of Hannah (cf. 1 Sam. 1). Like Sarah before her, Hannah was barren, until she went up to the temple. There she prayed with great weeping, begging God to give her a son and vowing, if granted, to give him back to service in the temple as a Nazarite. God granted her request, she conceived the Prophet Samuel, and she kept her vow, dedicating him to the temple.
Anna too was barren. After fifty years of marriage to Joachim, they were still childless. Joachim and Anna were "holy and righteous", as the Church calls them to this day. They only used a third of their income for themselves, giving another third to the Temple and the other third to the poor. After consulting the genealogical records and realizing that every righteous man in Israel had been blessed with children, he and his wife were greatly grieved and began asking God for a child in their old age, as God had done with Abraham and Sarah. They both set out to pray, St. Joachim to the mountains with his flocks, and Anna to her garden. And they made a vow to God that if He gave them a child they would dedicate him or her to the Temple, as Hannah had done. The Archangel Gabriel appeared to both of them, announcing the good news that they would bear "a daughter most blessed, by whom all the nations of the earth will be blessed, and through whom will come the salvation of the world." St. Joachim returned home and met St. Anna at the city gate where they embraced in pious love and gratitude, as portrayed in traditional iconography. St. Anna conceived Mary, who was dedicated to the Temple at the age of three and would eventually become the Mother of God.
The Church frequently refers to the Mother of God as the Temple of God. Indeed, at the Annunciation of the Archangel Gabriel, the Son of God chose to take on flesh and dwell in the womb of Mary so that He might heal wounded humanity by conquering death through His own death, burial, and resurrection. And so it is fitting that today we also commemorate the consecration of the Church of the Resurrection, a church built over the site where Christ was crucified and buried, Golgotha, the Place of the Skull.
Listen to the beautiful way St. John of Damascus and St. Andrew of Crete make these connections in the first ode of Matins for today's feast day:
St. John of Damascus: Canon of the Consecration
O Christ, Who formerly didst guide Thy people Israel with a pillar, through the laver of Baptism, Thou hast planted on Sion the Church which crieth out: Let us sing a song unto our God.
Today the visitation of Thine unapproachable glory hath prepared the temple fixed on earth for Thee as a heaven, wherein we chant with one voice: Let us sing a song unto our God.
Not by the Law is the Church made fair, O Lord, neither by the stretching-out of servants' hands; but in the grace of the Cross doth she glory, while chanting unto Thee: Let us sing a song unto our God
St. Andrew of Crete: Canon of St. Anna
We celebrate thy conception today, O godly-minded Anna; for thou, loosing the bonds of barrenness, hast conceived her who contained Him that in no wise can be contained.
Hearkening unto the entreaties of the just, O Lord, Thou didst fulfil Thy holy ancestors' supplications; and Thou gavest them as fruit the pure Virgin who gave Thee birth.
Glorious Anna now conceiveth the pure one who conceived the incorporeal Lord, the transcendently Good; and she shall give birth unto her that shall give birth unto Christ in the flesh.
Let us imitate the generosity, piety, and prayerfulness of St. Anna (and St. Joachim) as we continue our journey toward the celebration of the Nativity of our Lord and Savior Jesus Christ.
And let us rejoice today in the conception of the Mother of God, who would dwell in the Temple and whose womb would become a temple which would contain the uncontainable, our Savior, the Word of God made flesh.
Erin Doom is the founder and director of Eighth Day Institute. He lives in Wichita, KS with his wife Christiane and their four children, Caleb Michael, Hannah Elizabeth, Elijah Blaise, and Esther Ruth.


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Looking good doesn't have to be bad for you – or for the environment. If you've ever done research on what makes up some of the most popular beauty products, you might be surprised to know that animal byproducts are a common ingredient. Animal testing is also the norm. Any of you who are regular readers of my blog or just know me on a personal level may remember my fail at becoming a vegetarian. While I admit the lifestyle change is tough, there are smaller, easier changes you can make to be more environmentally conscious. Below are a list of five beauty brands to get on your radar this season. Not only are they kind to animals, but they'll make you look glam AF.
1. Lush Cosmetics
Lush Cosmetics is a full-line cosmetics company with shower, makeup and perfume products. My personal favorite is their deliciously scented soap bars. Not only do they come in cool names like Sea Vegetable and Baked Alaska, but they leave your skin feeling hydrated and fresh as can be.
2. e.l.f. Cosmetics
e.l.f. Cosmetics, short for eyes, lips, face, is a drugstore makeup brand with high-end quality. The one downfall is the packaging – don't be surprised if your lipstick cap falls off within a day's use. The formulas however are excellent, and 100% vegetarian. My favorite product is their High Definition Powder. It keeps your makeup in place all day and is available at your local CVS for only $6.
3. Obsessive Compulsive Cosmetics
Obsessive Compulsive Cosmetics is a high-end cosmetics line with all the edge of Urban Decay and twice the color options. The brand is known for it's line of Lip Tar, a high-pigment lipstick that lasts for hours. Their variety of shades make them a shoo-in for Halloween looks this month.
4. Indie Lee
Whether you are looking to transition to all-natural beauty products or you're a seasoned vet in the eco space, Indie Lee's creatively curated line of eco-chic skincare and body care products cover all of the bases. Each product is packed with powerhouse ingredients like olive-derived Squalane, Strawberry Extract (and yes, it smells like strawberry shortcake) and anti-aging game-changing Swiss Apple Stem Cells. And with sleek & chic packaging, they're definitely a bathroom vanity favorite.
5. Olivine Atelier
Olivine Atelier is a perfume line with the most beautiful motto: "that SELF LOVE is the way to absolute happiness. If you are madly in love with yourself then you can do anything and be anything." Not only is the brand inspiring as hell, but it makes products that will make you feel like the natural beauty you are. Love + Salt is a vegan mist that gives your hair that straight-from-the-beach look. It even doubles as a hydration spray you can spritz all over your body for beautifully moisturized skin thanks to good hydrating salts like Himalayan Pink Salt. At $26, the multitasking spray is a bargain.


text: The highlight of Chiang Mai Zoo had to be that we were able to hire golf carts to drive around, after a week or so on our feet everyday this was the best news! The zoo itself wasn't overly exciting, we managed to see the new baby white lion cubs for about a minute while they were out on show. They were adorable and only a few weeks old. The rest of the Zoo was very average, the Orangutan didnt move, even when the zoo keepers were chucking food at it, but I did see a bear for the first time! Overall it was a fun morning out, but the most exciting part was the golf cart.


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Questions about this property?Request Details
COMING SOON! One 1 bedroom and one 3 bedroom fully wheelchair adapted apartment
Affordable housing scheme: shared ownership ('part buy part rent' on new homes)
We currently have one 1 bedroom and one 3 bedroom wheelchair adapted apartment, available for sale on a shared ownership basis, in a contemporary new development in SE1 for wheelchair users or for people with disabilities.
The Music Box, Union Street SE1 combines inspirational architecture and outstanding interiors to create a unique new landmark for Southwark, with the lower levels shared with the London Centre of Contemporary Music.
Every aspect of the development, has been considered and designed with incredible detail throughout, carefully referencing the musical inspiration through the white textured spines on the façade and the hints of musical notes running along the base.
You'll never run out of things to do. Famous restaurants rub shoulders with everyday eateries. Stylish bars sit alongside old school pubs. There are art galleries, sculptures, pop up performance spaces. The Southbank is just a short walk from The Music Box and holds a treasure trove of riverside entertainment. Culture lovers flock to the Hayward Gallery, Royal Festival Hall, the BFI and the National Theatre. Browse the book market tucked under Waterloo Bridge or enjoy the outdoor action of street performers, skilful skaters and singing buskers that jostle along Queen's Walk. You may also catch a temporary public art display or pop up food event which continue to delight visitors to the area. If you're still around after dark you'll see the London Eye light up the horizon.
This is the perfect place to put down roots, in a beautiful, well equipped home with the latest appliances and furnishing, full of eco-friendly features.
To be eligible to purchase on the Shared Ownership scheme, applicants will need to be living or working in one of the following South East sub regions (Bexley, Bromley, Greenwich, Lewisham).
Priority will be given to those living or working in Southwark or open to applicants who live in social housing or be MoD personnel.
Register your interest at
Please note:
1. In accordance with guidance from Southwark Council priority you have a gross household income of no more than £45,128 for a 3 bed home and no more than £32,901 for a 1 bed home
2. You are unable to purchase a suitable home to meet your housing needs on the open market.
3. You do not already own a home or you will have sold your current home before you purchase.
Accessibility Rating: A - Wheelchair Accessible Throughout
Meets the design standards from the Wheelchair Housing Design Guide which superseded the Housing Corporation wheelchair design standards. These properties have been designed to meet latest wheelchair accessible housing design standards, offering extra space and full access to all rooms and facilities. This standard provides more space than previous wheelchair housing design guidance and also ensures that all rooms are accessibly. In view of the high density of new build housing stock in London, the parking features have been excluded from this category. This will enable wheelchair accessible homes built above ground floor level to be categorised as such.
Property advert Ref 2127674 - Is a property advert for marketing purposes only, the information has been supplied by the owner, estate agent or property portal and The House Shop makes no warranty as to the accuracy or completeness of the information. Furthermore we have no control over the adverts content. This property advertisement does not constitute property particulars. Please contact the advertiser to obtain any information regarding The Energy Performance Certificate regarding homes in England and Wales or Home Report for residential property in Scotland.


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Over the past several years, many researchers have been looking into whether vehicle accidents is one of the leading causes of traumatic stress or not. And quite surprisingly, many studies have confirmed this idea. In fact, one US study highlighted how the most frequent traumatic event experienced by men were accidents with 25% of the participants responding positively to the suggestion. For women, accidents were the second most traumatic experience in their lives, with 13% agreeing to the claim.
It is estimated that more than 100 billion dollars are spent in the US each year to deal with the damage and trauma resulting from the accidents. The mental health issues faced by survivors of accidents include conditions like Posttraumatic Stress Disorder (PTSD), extreme anxiety, severe depression, and so on. This post looks at the various aspects of car accidents including the number of people who become victims of crashes, the number of people who eventually develop conditions like PTSD and similar mental issues as a result of the accident, the risk factors which are associated with PTSD caused by car accidents and the treatments available to help people who suffer from such conditions.
The Number Of People Who Experience Serious Vehicle Accidents
Though transportation revolutionized the world by ensuring fast travel and communication, the unfortunate consequence of high traffic transportation in the US has been the numerous casualties of vehicle accidents. It is estimated that at least 1% of the nation's population will have been injured in vehicle accidents every single year. Numerically speaking, America sees about 3 million auto accidents annually, which represents one of the biggest traumatic experiences for most individuals.
The Number Of People Who Develop PTSD And Other Mental Issues Due To Vehicle Accidents
Many studies have been conducted on individuals who have experienced accidents to determine whether it does result in severe psychological problems that will require professional treatment. However, no major positive correlation was found in the vast number of cases. But a minority of these subjects have been observed to have suffered from mental issues like PTSD, anxiety, and depression.
Some studies have determined that around 9% of the survivors of crashes are prone to develop conditions like PTSD. This percentage increases when the sample is narrowed down to people who seek psychological treatment. In fact, about 14% to 100% of motor vehicle accident survivors who sought professional help was seen to be suffering from PTSD. And anywhere from 3% to 53% of the people who sought mental care help and had PTSD were also observed to be under severe mood disorders like depression. In another major study, 27% of survivors who sought out professional treatment were reported to be struggling with anxiety disorder and PTSD, while 15% were said to have developed an intense phobia towards driving.
Know The Risk Factors Associated With PTSD Caused By Accidents
Researchers have been trying to formulate a way to determine the probability of PTSD after an accident. And in recent years, they seem to have identified the variables that can help do just that. In fact, the methodology now allows for clinicians to accurately pinpoint which of their car accident patients are at risk of developing serious long-term psychological problems, thereby ensuring that such people get the right treatment early on before the mental issues become much more severe and destructive. The three groups of variables that are used to detect motor vehicle accidents at risk of psychological problems include the individual's characteristics prior to the vehicle accident, the variables related to the accident, and finally the variables present after the accident.
The variables prior to the accident include things like the inability to face past traumatic events, any mental health issues that the individual has been suffering from previous to the accident, and lack of support from loved ones. All these have been identified to be major contributors towards the onset of PTSD among people who have suffered from a vehicle accident.
Variables related to the accident include the extent of injuries suffered by the individual, the loss of loved ones in the accident, and potential threats to life have all been observed to be excellent indicators of the possibility of PTSD and other mental problems. With greater physical injury and fear of death, the individual is at higher risk of PTSD.
The variables post the accident includes the speed with which the individual recovers from their injuries, how engaged they are with their work, whether they have been receiving proper love, care, and support from their family and friends etc. People who have suffered from an accident injury must try to live a life that is closest to their lifestyle previous to the accident. Even if the injuries are severe, the individual is still advised to stick to their usual way of life since that will help in faster recovery. The role of family and other loved one is very critical in ensuring proper mental balance.
The Treatments Available For PTSD Caused By A Vehicle Accident
PTSD resulting from vehicular accidents differs from the regular PTSD in one major way – there is a very high likelihood that the individual will start developing chronic pain once they start suffering from the trauma. And this is mostly the reason why people who have suffered from car crashes usually go and visit their primary physician for treatment and generally neglect visiting a professional psychologist for help with mental health or asking advice from an accident attorney. Various studies have shown that half the people who avoid psychological treatments typically tend to suffer from mental health symptoms for over 6 months. And this usually worsens as the time passes. As such, it is extremely critical that survivors quickly seek out psychological counseling rather than avoid it indefinitely.
Among the many treatments that have been successful with PTSD, cognitive therapy, behavioral therapy, and medication are the most used. The survivor will also benefit greatly by seeking the help of a good chronic pain expert who can help them deal with the physical pain. In some cases, the individual will receive multiple treatments at the same time, which can speed up the recovery process quite significantly.