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Creamy Salmon Orecchiette
There are some days when I open the fridge and all that's there are leftovers. If you're like me, this is when I get the most excited because it means it's time to get creative in the kitchen. If there's two things I always have ready, it's red rice and pasta (versatile and simple carbohydrates which are ready to accompany any leftovers)!
That day I had a whole lot of fish dip that would've gone bad, so I decided making a pasta dish was the right idea.
Note: The fish dip I use in this recipe is a slightly different dip from my original recipe. In this version I used two additional ingredients: turmeric powder and one small red onion. It really added a lot of punch to the final flavor and made an awesome base for my pasta!
What you need:
frying pan
pasta drain
food processor (or chopping board & knife)
What goes in:
my fish dip
red chilis
olive oil
pink salt
grounded black pepper
orecchiette (or any other pasta. I recommend something like a spiral pasta or a penne if you can't find orecchiette)
italian parsley
What to do:
Bring some water to a boil in the saucepan. Once boiling bring the temperature down to medium heat and add a pinch of salt and a dash of olive oil. Add in the orecchiette.
Place the anchovies, red chillies, and a handful of italian parsley into a food processor. Season with pink salt and grounded pepper.
Once the pasta is cooked, drain the pasta and keep a cup of the starchy water aside.
Place the frying pan onto medium heat and add the red chilies and anchovy paste. Once it's start sizzling, add in the leftover fish dip and add a dash of olive oil. Add a dash of the starchy water and using a spatula mix it in with the rest of the ingredients in the pan until it unifies as one sauce.
Add in the pasta and mix it all up until all the pasta is coated well. Taste here and season with pink salt and grounded pepper if needed.
Time to devour this nutritious and delicious plate!


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Don't close your eyes and stop your ears…March 24, 2009
Save those who are being led to their death;
rescue those who are about to be killed.
If you say, "We don't know anything about this,"
God, who knows what's in your mind, will notice.
He is watching you, and he will know.
He will reward each person for what he has done.
King Solomon

subset: commoncrawl


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We love new ventures, so if you are looking for a specific place then just give us a bell and we can discuss details.
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Admissions & Aid
Who Can Take Dual Credit
The Texas Administrative Code has developed the Dual Credit program for high school students who have met the minimum testing requirements in the areas required for the course being taken, as well as the identified deadlines within the school district students are attending. The college will make the final determination on all admissions to the Dual Credit.
Student consideration is also based upon submission of a complete application packet and must be listed on the High School's Recommendation List.
Contact Information
Phone: 210-486-0177
Location: Fletcher Administration Center
Room 230


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There is so much talk about physical fitness around that more and more people are realizing the importance of this and adopting some changes in their lifestyle to accommodate this. This is indeed a positive change and mankind can only benefit from taking care of their physical selves, but is just taking care of your physical self alone, enough? What about the state of your mind? Is that not important? Do you think that just concentrating on the body is enough? Actually, when you really think about it, the mental state you are in is as important if not more as your physical self is.
Having said that, do you really think people pay enough importance and attention to this aspect? In today's world with our tight schedules, high levels of stress, lack of a support system, and where things are cutthroat, being fit mentally is really important. But sadly, most people do not even think about this aspect, leave alone do anything unless things start going wrong. However, many a times, paying attention to your mental state when things have gone wrong, may be too late or not enough.
The question here is not that people do not want to be fit mentally, it is just that they do not know how to do it. While we may not be experts on this, we can surely give you some tips to get started on being mentally fit. In addition, if you still feel let down and low after having tried the tips that we have provided, then you should go ahead and seek help.
Here Are Some Tips On Getting Started On The Path To Becoming Mentally Fit:
Learn to enjoy some time by yourself doing nothing: One of the things that people do not enjoy much is spending time by themselves. It is very important for your mental fitness that you spend some good amount of time all by yourself and enjoy it too. Soon this will become a time that you will use to think about stuff that needs thinking about and become at peace within yourself. Only a person who is completely comfortable with themselves will be comfortable with the rest of the world.
Balance work and personal life well: Most people tend to take their personal lives to work and bring work home, which means there is no demarcation between the two. People try to justify this by saying that they are passionate about work but the truth is they have no boundaries. It is very important that you leave work where it belongs, in your office and personal life where it belongs, at home. This way you will actually be good at both and enjoy it too. You could make up a small ceremony to perform when you get back from work to clearly mark the fact that the workday is over.
Do something for someone with no selfish motive: You can start the chain of kindness so that will encircle the world and bring back some dividends to you by doing something for someone with no motive whatsoever. This is not something that is easy to do but you can start in a small way and do something like someone cross the road or smiling and complimenting a complete stranger.
Say something positive about yourself daily: Most people think being self-critical makes them a better person and while it could help in some ways, overdoing it could make things worse. To ensure that you also have plenty of confidence in the unique person that you are, you should try and say something positive to yourself while looking in the mirror. It could be something as little as telling yourself that your nails look pretty or something simple but you need to do this too.
Take up an activity only because you enjoy it: We work because you have to earn a living, we take up exercise because it is good for us, we take up house work because it is essential and all these things have to be done. However for the sake of your mental fitness, you also need to take up an activity just for the sheer enjoyment that you get from doing it.
Forgive the past and let it go: One of the biggest burdens that makes us mentally heavy and unable to move on is hanging on to the past, especially in terms of the things that we did wrong in the past. For the sake of your mental fitness, you will have to take a good look at the past, seek out the mistakes that you may have made and evaluate the lessons learnt from these mistakes and then forgive yourself. This is an important and very difficult step that will go a long way to make you mentally fit.


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I've posted a number of criticisms of Bryan Caplan's book, The Myth of the Rational Economist. In one post, responding to Caplan's claim that lay people suffer from pessimism bias, I took issue with his assessment of household income (generally prefering mean household income over median household income) as a way of dismissing the bleak view that working people have of the economy. Here is a link to a blog that focuses on the data for Canadian households, which is not quite as bad as the American case. Caplan obviously does not take this evidence into account.
The simple economics of the declining middle class — and the not so simple politics.


text: Hex Bolt 5/16 X 3/4 With Nylon Patch Part #HB516X34NP Price: $0.20 In Stock Qty: Add to Cart Back Add to Favorites HB516X34NP was successfully added to your cart! Continue Shopping Checkout Order quantity exceeds maximum order limit. Okay HB516X34NP could not be added as a favorite. Please make sure you are logged in. Continue Shopping Log In Hex bolt with nylon patch, 5/16" x 3/4", Gr. 5, NC thread, zinc plated.


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18 May 2018
This is the moment that 94-year-old Betty met twins Maggie and Harry.
Her knitting has been keeping our premature babies warm for nearly 30 years.
It is a cause very close to her heart.
Her only granddaughters were born prematurely 39 years ago, they died within a few hours so Betty never had the chance to hold them.
But she has never forgotten them and has knitted thousands of hats and cardigans in their memory.
Kind hearted Betty can spend up to eight hours a day knitting, pink, blue and yellow hats and cardigans.
We think she is amazing.
Betty said: 'I've waited a long time to hold a baby again, this has made my day. I've been treated like the Queen."
Sue Aucutt, transitional care manager said: "Betty is fantastic and it was wonderful to be able to able to introduce her to just some of the babies and parents who benefit from her dedication."


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Chris Spealler
Vodpod videos no longer available.
Reebok CrossFit One was fortunate enough to have CrossFit Athlete Chris Spealler visit our Box on November 9, 2010. Chris helped coach one workout, and then showed his talents while participating in the "Partner Challenge" WOD.
Chris is one of the most well respected athletes of CrossFit. He travels with CrossFit Headquarters to train and speak at Level 1 and Level 2 certifications, as well as coaches at Coaches Prep Courses throughout the country. He is actively involved in the CrossFit community writing for the CrossFit Journal, training, and competing as an athlete. Chris is one of the only CrossFit athletes to have competed in all of the CrossFit Games, placing 4th, 10th, 26th, and most recently 3rd in the worldwide competition. Check out some of Chris's stats below!
Height: 5'5″ ( on a tall day )
Weight: 139
Started CrossFit: November 2006
Lives in Park City, UT – Affiliate: CrossFit Park City
Fran: 2:04
Cindy: 38 rounds without vest, 24 with 20lb vest
Linda: 18:31 (use bwt for a 155lb person) squat cleans
Helen: 7:11
Diane: 2:41
Grace: around 3:30 (I forget)
Fight Gone Bad: 459
Filthy Fifty: 14:01
Favorite WOD: Nate
Favorite Lift: Snatch (heavy)
Least Favorite WOD: Michael or Joshie
Least Favorite Lift: They are all pretty fun but probably the press
Deadlift: 370
Press: 155
Back Squat: 325
Snatch: 190
Clean and jerk: 235
Max Pull-ups: 96
2007 Games Finish: 4th
2008 Games Finish: 10th
2009 Games Finish: 25th
2010 Games Finish: 3rd


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A long wear cream shadow with a unique chisel tip for full lid coverage or lining.
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Malaysia Clothes Buffet is back!! Hooray!! I remember how awesome it was last year and I can't wait to join this year's Malaysia Clothes Buffet! By just paying RM60, you can grab any clothes that you like, as long as you can zip it! Now let me give you a more detailed explanation on how Malaysia Clothes Buffet works. First of all, you need to buy a ziplock bag at RM 60 each and you will have access to a whopping 50,000 pieces of fashionable pieces in the buffet area. You can grab as many clothes as you can in 15 minutes and fit them into the ziplock bag.
'If you can zip it, you can keep it.'
How awesome is this! The highest record is 16 pieces of fashion items in a ziplock bag! Super worthy I would say!
This is how the ziplock bag looks like ^^
9 x 14 inches
Terms &Conditions
♥ Cash terms only on event day
♥ No handbags and any other bags allowed in the 'shopping area'
♥ May go for multiple rounds
♥ Only 1 bag purchase per session per person
♥ Sessions limited to while stocks last
♥ Clothes are all in brand new conditions
♥ No pre-loved/pre-owned/vintage items
♥ No trying allowed
♥ Shopper must be able to close the ziploc bag before exiting 'shopping area'
♥ Bag must not be torn or damaged or a penalty for a new bag will be incurred
♥ No refunds
♥ Management reserves the right to refuse entry/sale of bag
♥ Management reserves the right to amend the terms & conditions without prior notice
Yes!!! RM10 per fashion piece! There will be a Blowout Sale during the same three days at the same place! A variety of stalls will also be participating in the adjacent fashion bazaar so don't forget to drop by the Blowout Sale after you shop at Malaysia Clothes Buffet ya!
I still remember how crazy the crowd was during last year's Malaysia Clothes Buffet so I strongly suggest you to purchase your tickets in advance from www.malaysiaclothesbuffet.com. You can even book your preferred time slot! Pick your preferred time slot here before they are sold out!
See you there! Don't feel shy to say Hello if you see me on that day ya! :)
For more information,
Website: http://malaysiaclothesbuffet.com


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The RX is Uproxx Music's stamp of approval for the best albums, songs, and music stories throughout the year. Inclusion in this category is the highest distinction we can bestow, and signals the most important music being released throughout the year. The RX is the music you need, right now.
An indie-rocker who calls his band Young Jesus either has a serious love of trap music or a predilection for epic musical statements. John Rossiter leans toward the latter.
"I am very emotional and can be very sincere, so I tend to not shy away from the huge stuff," the-29-year-old singer-songwriter says. "Maybe I should, but it's always been hard for me once I start focusing on something not to keep expanding it out."
On 2017's excellent, independently released S/T — which will be reissued 2/23 by indie label Saddle Creek — Young Jesus does indeed expand Rossiter's songs with a chaotic force that is both violently unpredictable and ravishingly cathartic. Even the album's most tuneful numbers, such as the wistful opener "Green," never quite land the way you expect, forsaking studio polish for unresolved rough edges that spark electric friction. As S/T progresses, the album takes on the feel of a spiritual quest, with meandering songs such as "Desert" and the record's sprawling 13-minute climax "Storm" radiating odd, Zen-like calm even as the band descends into full-on ambient noise.
Originally formed with a different lineup when Rossiter was in high school back home in the northern suburbs of Chicago, Young Jesus has cycled through various sounds and formations as its leader matured and eventually relocated to Los Angeles. Young Jesus' debut full-length, 2012's Home, is a relatively straight-forward emo record, a template that is deepened but not subverted on 2015's Grow/Decompose.
But for S/T, Rossiter corralled a new corps of musicians — bassist Marcel Borbon, drummer Kern Haug, and keyboardist Eric Shervrin — that helped him take Young Jesus in a wilder, improvisation-based direction. Guided by this adventurous spirit, Young Jesus melds Rossiter's sturdy, middle-American folk-rock hooks with free-form jamming inspired by revolutionary avant-jazz musicians such as Albert Ayler and Don Cherry. The result is one of the most exciting bands in indie rock right now. We spoke recently by phone about the band's move to Los Angeles, unlikely influences, and how in 2018, bands are like religion.


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City Council aims to make New York first US city to cap Uber, others
New York City is moving toward becoming the first major U.S. municipality to cap ride-sharing services, sparking a tsunami of protest on Friday from Uber and others, which warned that those living in far-flung neighborhoods will suffer most.
NEW YORK: New York City is moving toward becoming the first major U.S. municipality to cap ride-sharing services, sparking a tsunami of protest on Friday from Uber and others, which warned that those living in far-flung neighborhoods will suffer most.
The City Council is considering five bills aimed primarily at reducing traffic congestion and increasing driver paychecks in the wake of explosive growth of for-hire vehicles and a rash of suicides among financially challenged yellow taxi drivers.
"We are pausing the issuance of new licenses in an industry that has been operating without checks," Council Speaker Corey Johnson told reporters on Friday.
The council's move to vote on the measures as soon as Aug. 8 is the city's second try to restrain an industry that has grown exponentially since Mayor Bill de Blasio's failed 2015 attempt to rein it in.
Resurrection of the effort in New York - Uber's largest U.S. market - outraged ride-hailing businesses, including Uber, Lyft and Via.
In an email barrage to nearly 5 million New Yorkers on Friday, Uber said riders would be hurt most by the squeeze, facing higher prices, longer wait times and less service in the city's outer reaches by drivers more heavily dependent on higher demand in Manhattan, only adding to, rather than reducing, congestion.
"@NYCCouncil I'm a New Yorker, and I rely on @Uber to get around the city, especially when public transit isn't available. Don't leave me stranded and #DontStrandNYC," tweeted thousands of New Yorkers, some using a link provided in the Uber email.
Since Uber and other app-based services debuted in New York City about five years ago, the industry has grown to more than 100,000 cars, according to the Taxi and Limousine Commission. At the same time, less demand for New York's iconic yellow cabs has decimated that one-time route to middle-class income.
Six struggling professional drivers - including three yellow cab drivers - have killed themselves in recent months.
The New York Taxi Workers Alliance cheered the City Council's pledge to move ahead with the bills.
The impending New York City limits come amid a worldwide effort to crack down on ride-hailing companies, including a move by Honolulu's city council to cap fares charged when demand spikes.
London, in a test of Uber's new senior management, in June, issued a probationary license to operate as long as Uber can show it has improved on safety and other concerns.
(Reporting by Barbara Goldberg; Editing by Dan Grebler)


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Eastbourne cricket skipper Jacob Smith was full of praise for match-winning centurion Ben Twine following their impressive home victory against Preston Nomads last Saturday.
Twine came to the crease with the match in the balance at 60-4. His 101 came from 95 deliveries and helped Eastbourne to a winning total of 259. It was Twine's second century of the season, having made a ton at leaders Roffey last month.
"It was a very mature innings from Ben," said captain Smith, who was also in tip-top form as he claimed a six-wicket haul against the Nomads. "To produce that kind of innings when we were up against it, is as good as it gets. The match could have gone either way at that point but Ben turned it very much in our favour.
"He now has a great awareness of what's required at a certain stage of a match. He's always had all the shots but now he understands the game a bit more. In the past he has given up his wicket but against Nomads, it was faultless.
"His 100 came from 90-odd balls and he was not playing expansive. It was great too see." Victory moved Eastbourne to fifth in a congested Sussex Premier League table. Roffey lead the way at the top but just 23 points seperate second place and fifth placed Eastbourne.
Smith added, "Roffey have put themselves in a great position and the league title is theirs to lose. But we are in the mix at the top end. It sounds a bit boring but we just have to take it one game at a time. We are in a good place, playing with confidence and let's see how far that can take us."
Next up for Smith's men is a trip to Cuckfield, who are fourth from bottom in the league standings.
"It will be another good test for us," Smith said. "They have some good batsmen in their line-up and we will have to bowl and field well. But we are in good form and we will look for more of the same."
For the first time this season, Eastbourne are expected to name an unchanged line-up for the trip to Cuckfield.
Likley XI: Arms, Hockley, Smith, Gordon, Johnson, B Twine, Turner, Pocklington, D Twine, Crocombe, Guest.


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Thin Line Film Festival
Texas Filmmakers' came to us to help them brand a new film festival. Thin Line Film Festival was the first of its scale and scope in North Texas and we're proud to have had a part in their growth.
If you're into independent films then you'll love what this almost 10-year old festival has to offer.


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Written by C.B. in 407 (17-18) on 19 January 2018 à 18:53
# 38 – Friday , January 19th 2018
password= straight to the point.
Go straight to the point = aller droit au but.
The video explains how to do the different accents of the 5 borroughs.
The Bronx accent is very punchy/tough /tʌf/ . You drop your final "r" and you
have a heavy initial emphasis on the consonants: you punch them.
In Brooklyn they masticate/chew the vowels. It's an up and down accent.
It's very lively because it's a nice place to live and a friendly community.
In Queens it's very nasal because it's a pain to live there. It's very boring.
In Staten Island the accent is obnoxious.
Eventually/finally, in Manhattan it's very rushy, fast, they speak quickly
because they are stressed out and busy.
It's a very subjective video! The author aims at joking. It's a caricature.
The woman may live in Brooklyn.
Tough = dur emphasis= accent/emphase emphasize=appuyer/accentuer.
To punch = donner un coup de poing chew/masticate= mâcher
lively= vivant boring= ennuyeux bored= ennuyé boredom= l'ennui
obnoxious= odieux rushy= pressé stressed out= stressé
busy /bizi/= occupé to aim at + V-ing = avoir pour but de aim (v)= viser
an aim = an objective.
Your challenge :
Appropriation des éléments abordés dans les deux documents précédents et anticipation de la tâche finale.
In pairs, get ready to tell the class about a tragic love story you know.
Characters? Location? Story / Plot? : beginning – love – obstacle (impediment) – plan – end Get ready to take the stage and talk about a love story you know
It is the story of ………….and ………
The story takes place in………….
The characters meet and fall in love but it is impossible because………….
So, they decide to ……………….. and their plan is to …………..
But in the end ………………….
finir son histoire et être prêt à l'enregister/présenter.
Test vocab vendredi
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Paytm RuPay Cashback offer
- Promocode: RUPAY25
- Add Rs. 250 or above using Rupay Debit Card & get Rs. 25 Cashback in your Paytm Wallet.
- Applicable on RuPay Card transactions only. No other Card will be eligible for this offer.
- Applicable for only Adding money in Paytm Wallet.
- Promo code can be used one time per customer, per Card, per calendar month.
- Single code for all users.
- Applicable on Paytm Web/Mobile App/wallet App.
- Offer is valid from 13th July, 2016 00:00 hrs to 10th October, 2016 23:59 hrs.


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Gary Bodeau says: Deputes will not be intimidated by other sectors who want to bum-rush PM Henry Ceant's Government
Haitian chamber of deputes president Gary Bodeau issued a warning to nominated Prime Minister Jean Henry Ceant regarding the formation of the new government: The deputes will not sit by and watch other sectors with special interest bum-rush the new government. That's not gonna happen!
PHOTO: Haiti Prime Minister Jean Henry Ceant and Depute President Gary Bodeau
Lately, the Deputes and Senators have been told to not to intervene in the choice of Ministers, Secretaries of State and and Director Generals in the formation of new government but Gary Bodeau warns "we will not be pressured by anybody."
"If a member of the private sector want control of Customs (La Douanne) why can't one of the sons of the people (pitit pep la) have that control as well?" Gary Bodeau said. "If the private sector wants to control the airport, why can 'pitit pep la' have control of it as well?"
"Members of Parliament is being threatened to stick to their jobs, that parliament should not interfere with the formation of government. These threats come from sectors that want to invade the State so they can find lucrative contracts. They don't want us to have control of 100 million dollar contracts or gas entering the country."
Also read: Haiti Prime Minister Jean Henry Ceant could receive a NO vote, Depute Gary Bodeau warns
What do you think about that?
Tags: Haiti Politics, haiti political parties, Jean-Henry Ceant, Former Prime Minister of Haiti, Haiti Political Crisis, Depute Gary Bodeau, Président de la Chambre des Députés, Bad Politics in Haiti, Haitian Politics
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Topic Chat- Red Flags 9:30 pm EDT
06/08/2018 @ 9:30 pm - 10:30 pm EDT
What are some red flags to look for in online and in person relationships and friendships? Join Lars and slars in the Dungeon to learn more about red flags and what to do about them.
Please note this chat is in EDT.


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3 Pack - Super Seed Topper
3 Pack - Super Seed Topper
Quantity: 150 grams per bag (8 servings per bag)
Ingredients: Whole Pumpkin seeds, Sunflower seeds, Black & White Sesame seeds, Buckwheat groats, Hemp seeds, Maple syrup, GMO-free gluten-free soy sauce, and spices.
Serving size: 3-tablespoons
Refrigerate after opening: Seeds (and nuts) are best kept in a cool, dark place to protect their delicate fats. This also keeps them crunchy and delish!
Optimal shelf life: 6-months (or longer if refrigerated)
Earth Friendly: Recyclable packaging. Very little waste is created in the production process.
Nut-Free | Plant-Based | Vegan | No refined sugars or oils | Naturally gluten-free
Small batch. Made in Montreal.
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Cam Girl, the third book by author Leah Raeder, was published on November 3 by Atria.
I've been an unabashed "Raeder Reader" since her first novel, Unteachable, and I've been lucky enough to snag her second and third novels as ARCs so I can share my reviews with you. (Thank you, Atria and NetGalley!)
Read more about the book below, along with my review, and then follow the link for a chance to win one of five signed copies of Cam Girl!
Vada Bergen is broke, the black sheep of her family, and moving a thousand miles away from home for grad school, but she's got the two things she loves most: her art and her best friend—and sometimes more—Ellis Carraway. Ellis and Vada have a friendship so consuming it's hard to tell where one girl ends and the other begins. It's intense…
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As mentioned off the top of the programme our guest is Scott Morrison and he joins us live in the studio, thanks for your company.
Hi Peter.
I mean what do you do about populism around the banks? Bill Shorten, he strikes me, is going to continue to win applause in sections of the community for calling for a Royal Commission. Even though a lot of experts and a lot of commentators such as Paul, make the point that a Royal Commission is probably overkill.
Well you focus on the issues that underlie the concerns you might be seeing expressed and as you described as populist sort of sentiment, so for example, first of all when we came into Government after the election before last, the issues around the financial system, we have a Financial Systems Inquiry which dealt with the system issues within the financial industry. Now that was actually opposed by the Labor Party. They refused to support it going into that election so we got on with that and we have the Murray Inquiry. And we've got on with the job of implementing the recommendations of the Murray Inquiry which include you may recall, doing away with these ridiculous surcharges that were being placed on credit cards in the hospitality industry or other places, so some real serious financial systems reform. The second issue had to deal with the malfeasants in the financial sector. And this is around issues of advice and some of the really horrific things that we'd seen taking place. And so what we did, back in April, was put in place additional resources and powers for ASIC, so dealing with the actual practical problem of things being investigated, things being prosecuted. So this is a practical response to a genuine issue. Now we have the issue I think of accountability, and not just the perception of it but the reality of it. And what we proposed this week in response to the banks decisions this week was an accountability clearing house before the parliament. Now that's the people's house, the House of Representatives, and for the House of Representatives' Economics Committee already does this job extremely well and has done so for a very long period of time. I once served on it myself, the Reserve Bank Governor comes four times a year; Wayne Byres comes; others come. So the ability to have these decisions explained and the real issues underneath them to be explored, in a sensible measured way I think is what's helpful.
Treasurer, can I just clarify, giving the ongoing pressures for the Royal Commission, is the Government absolutely resolute and adamant on this question that there's no justification for a Royal Commission?
Well Paul there is no proposal for a Royal Commission into something specific. Bill Shorten has not got a terms of reference. He must have a very low level of confidence in Mark Dreyfus if he doesn't think Mark Dreyfus QC can draft a terms of reference for a Royal Commission. He has no proposal, it's like a whiteboard, they write something up one day, then they wipe it off and there's something else. Apparently the Royal Commission is going to deal with banks changing interest rates decisions, it's going to deal with executive salaries; it's going to deal with issues around investigations and particular part practices. I don't know what the Royal Commission is apparently into, but sadly neither does Bill Shorten. It is nothing more than a populist whinge from Bill Shorten.
I appreciate the point you've just made.
He has no policy.
Can we therefore assume, given the question I asked, that the Government will not buckle on this issue and it will remain opposed to any Royal Commission into the banks?
We oppose it because we believe the better way to deal with the problems is, is the way I've just outlined. Getting a Royal Commission in to spend the next two years, or I mean I don't know how long he wants it to go for, because I don't know what his terms of reference is, because it doesn't exist. And at the end of that process for them to recommend that ASIC prosecute someone; well that can happen now. We have the banks in before the House of Representatives Committee after the Parliament returns. We can implement the Financial Systems Inquiry recommendations now and they can vote for them in the Parliament. So what we're focused on is the practical things that need to be done to actually address the concerns that people have, not to tickle their ears in the way that Bill Shorten seems to think public policy should be run with the banking and financial system which everyone knows is a pillar of the strength of our economy. Now he is paying reckless political games with one of the core pillars of our economy, which underpins people's jobs, the profits of businesses and their growth into the future. So, I think he's acting will callus disregard and complete political opportunism.
Given the strength of the comments you just made, Bill Shorten is being reckless here, is there a risk that this populist campaign Labor is running and whipping up, this sentiment against the banks, that this could lead at the margins to some destabilisation of the financial system?
I think there is the great risk that if the opposition continues to engage in this recklessness that the only product of that approach could be to undermine confidence in the banking and financial system. Now I recall when they first raised it, questions were being asked overseas. Kelly O'Dwyer was over at the IMF when they first raised this earlier in the year, and people were coming up to her and saying what's wrong with the Australian banking system and financial system. Is there a problem in Australia? And what they were referring to was not individual items of dealing with customers and complaints which are legitimate issues which need to be addressed and ASIC can do that. They were wondering whether there was something wrong with the underlying integrity of our banking and financial system. Now that is a fire that you don't want to start because…
But the fire has been started…
…because the Government refuses to indulge Bill Shorten's populism.
Let me just ask you about the cash rate. I mean the banks have been attacked this week because they didn't pass on the full extent of the cut in the cash rate, you said that they should. Wouldn't you concede that there is at least some sort of argument on the part of the banks given the overall situation they now face for them, not to pass on that full cut?
Well if there is it's for them to make it, not the Government. Because it's not the Government's decision. What we're saying is, having a profitable banking system is of course important. I mean the fact that our banks, have a high of two or three times the return of capital than the banks in Europe for example have currently, I mean we don't envy the European banking system. We actually have one of the strongest banking systems in the world.
So I mean essentially what you're asking the banks to do is to trim their profitability, is that essentially what the Government's asking?
Well they're the judgments they have to make.
But that's what the Government is asking.
And my argument to them is this, you can't go out there and day, we couldn't pass on the cash rate because of some Government Policy or regulation, you can. But it will trim profitability in cases, or prevent profitability being further improved. But that is a commercial decision that we're simply saying the banks need to be transparent about.
On that, I mean at the end of the day, unless there is a firm stick of Government, which is a level of intervention which I'm guessing the Liberal party wouldn't be particularly interested in, profitability is what drives them. They've got shareholders, that's their primary focus as organisations, how do you do anything other than basically throw words at them which won't stick?
To do it out in the open and ensure there is accountability in the process which is what the House of Representatives Economics Committee does. You will remember going back many years when the independence of the Reserve Bank was established that the appearance before the House of Representatives Economics Committee was part of that transition and that change. So, there was a process of public accountability and explanation. Now, we are simply taking that very effective model and applying it to this circumstance because the circumstance here is about permanent accountability. Let me make this point, Bill Shorten can have a Royal Commission to something that he doesn't know what he wants to have it into and then it is finished and then what? What we put on the table, not just put on the table but have made part of the permanent calendar of this country is that for every year now going forward they will come before the House Of Representatives Committee at least annually and this will be part of the condition, this will condition the environment…
But all it will mean is that they will just come up with some nice words to ensure that they can justify, and they probably have very good business reasons to justify, their decision not to pass on a full rate. It won't actually change their practice, surely.
Well, that might be your view Peter but I think this puts tension in the cord and tension in the cord around these issues around accountability is never a bad thing. This week Com Bank will announce their profits and they will have a public explanation around that, as is the case with every announcement that is made around these things. The banks are just not like any other private company out there or public company out there – and I have heard this argument – the banks sit at the centre of our economy. The banks operate under a social licence as well as an actual licence in the economy. The banks have the back-up in the event of a financial catastrophe of the financial claims scheme which would see the Government stepping in and ensuring depositors up to $250,000 for every single account which the Government would actually have to borrow to fulfil. So, Coles and Woolies don't have that any more than the coffee shop up the road from my place and so they occupy a very, special and unique…
But should you formalise that relation though – that implied bank guarantee. Should that be formalised because they do get a benefit?
No, they don't think so and neither do we. The system is triggered by the Government in the event of a particular set of circumstances but my point is they are not just any other company and they do hold a very significant role in the economy and the decisions they make as Paul said and they have said and I have said about balancing shareholder, depositor and borrower interests and understanding the things that are making those decisions tick for them and how they apply to the rest of the economy are worth explaining and they are worth explaining it in a forum that is proven able to do deal with those issues in a sober way.
But there is a really critical issue here. As Treasurer, how frustrated are you at the apparent inability of the banks to explain their actions, say, on the cash rate last week to the Australian people in a persuasive and convincing way?
Well, it is frustrating and that is why we have given them this opportunity to go and do just that in this forum.
But why are the banks so unable to explain their own actions to the public?
Well, you would have to have them, on here and ask them that question yourself, Paul, but they will have the opportunity now and I am optimistic that they, when given the right forum to be able to actually seriously have a discussion about the decisions they have to take, I mean do we want the banking system in Europe at the moment? Of course we don't. What we want is a strong banking system, a viable banking system because it was both the strong regulation and practice of regulation in our banking and financial system put in substantially by the Howard and Costello Government that actually put the banks in the position when the storm hit for us to survive. Now, we have survived many storms in our banking and financial system has survived many storms and I don't underestimate the impact of the management of the banks themselves contributing to that success.
Let me just ask you, what is, as far as you are concerned, what is the core problem with the banks? Is it an inability of presentation to explain what they are doing or is there a real problem with banking culture that the banks need to change? What is the essential problem the way you see it?
Well, I think both of these issues are alive and the Prime Minister has made that point as well but so have the banks. The banks have said themselves that they have issues with culture and they announced a series of measures early this year as well and the House of Representatives committee…
Are you satisfied with them?
With those measures?
Well, I would want to see them implemented and I want to see this is an organic ongoing process and I think we have got a largely effectively a new team of bank CEOs across the board there and they have made all the very strong statements about dealing with the cultural issues inside their organisations and this process will enable a reckoner against the progress on that quite often. Now, I think that is a helpful thing. So, Paul, yes there are issues in there which the banks themselves acknowledge. Equally there is an imperative for us to inform the debate around these issues. People have concerns around this. We recognise that. So, there is an information deficit here as well which needs to be filled. A vacuum that needs to be filled and it won't be filled with the populist nonsense that Bill Shorten goes on with. It will be filled with the sober, informed debate that we will provide through this process.
It has been really interesting over the last x number of years watching rhetoric, particularly from oppositions about interest rates and when banks don't pass them all on. Joe Hockey was very strident on this, that Labor in Government need to do something about this. Now, we then see Bill Shorten using similar rhetoric, Chris Bowen was more cautious than that. He had a media conference during the week where his aim seemed to be just to point out what he saw as the hypocrisy of Liberals in opposition versus Liberals in Government making the point that you can't force things to change. Is Bill Shorten making the same mistake that Joe Hockey and others made when they were being a bit too strident in opposition about interest rates?
Well, the only time, over the last nine months, I will talk from my own behaviour and practice. I made a very big point when we announced the ASIC changes that we were going to fund that through an additional levy on the banks and I insisted that the banks commit publically to not passing that on – which they did. So, the one time where I knew there was the opportunity to actually get that result then I asked for that result and I got it. Now, I haven't engaged in the sort of rhetoric that you have talked about. What I have always sought to say, is right from, and because there was a rate increase on mortgages not long after I became Treasurer and the point I made then was, you need to explain this banks – not the Government – and they were making the case at the time that it was because they had to increase capitalisation and my point was what decision you have made commercially is yours and you need to explain it but you can't go around blaming Government policy on why you have or have not chosen to adjust interest rate, that is a commercial decision and they need to explain it and that is why we have given them this opportunity.
You are watching Sunday Agenda. We are talking to the Treasurer Scott Morrison. We will continue the interview when we come back.
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Can I ask you about I guess the budget bottom line. You will hand down your second budget in May and it will be important won't it for the government to maintain its sort of economic standing that the deficit continues to come down. You wouldn't want it to slightly pop up and that is where the risk is, the things that are out of your control like the global economy.
That is true. As I have always said it is budget by budget you have to eke out every inch of growth in this economy. It is a very tough economy to work growth out of because of what is happening globally. Every budget, every statement is another step in the road to achieving that. We have a series of measures, some $40 billion actually in legislation going before the Parliament, both savings and revenue measures, and the agencies have made it pretty clear that it is not just about what is in the trajectory and set out in the budget it is are things getting passed. Now it was very interesting that S& P before the result of the election was known issued their statement saying we will be watching to see whether things are passed. They have not got an issue with the trajectory set out in the budget but they have seen not just now but over a long period of time – six or seven years –they have seen estimates slip year after year after year. Sometimes because of policy decisions particularly under the previous government but also because of parameter impacts on prices and so on but also because of things not being passed like in the last Parliament which has created this lag and pushing out of the return to balance.
Just on that the so called zombie measures Labor likes to talk about…
Well they are alive and will be before the Parliament and can be voted for. There are over $6 billion worth of savings that the Labor party put into their forward estimates and the Parliamentary Budget Office confirmed that this week. So there is $6.5 billon…
Do you expect them to be passed by Labor?
If they put them in their forward estimates well they said they support them. If they were to walk away from that $6.5 billion of things they promised the Australian people they would deliver and that they put in their forward numbers well to do anything less than that I think would be hypocrisy in the extreme. On top of that there are measure we still remain very adamant about. We want to increase the affordability of child care in this country. We want to do that because it supports families but also because it increases participation in the economy and we have for some years now put forward a measure which says we want to take savings on the Family Tax Benefit supplement, a payment that has outlived its purpose. It was put in there many years to do something it no longer does and has been built into the system. It was funded by an income stream that was happening because of the higher wages and higher rates of inflation and higher prices we were seeing in commodities. That no longer exists. We want to take the savings from that measure and invest it in better child care. Now that has been resisted by the last Parliament. We rebalanced the measures. It wasn't the 2014/15 measure. We actually refashioned it in the previous budget and we are discussing that with the crossbenchers because Labor say they won't support it. Well that is disappointing but they always think they can spend money now and tax something later. That is not how you run a budget. That is how you get the budget into the problem they put it in when we inherited it.
Just on this general point Treasurer, how important is it given the warnings from the ratings agencies about our triple-A credit rating, how important is it that this new Parliament face up to its responsibilities and be alert to the great fiscal difficulties the nation faces and adopt the more responsible attitude to the budget?
Outside of national security there is nothing more important. This is the warning the agencies have given us. Now the rating remains more generally under risk because of the impact of global parameters hitting our budget. They made that point as well and that is very possible…
But they have also made the point about…
…the legislation they have said if you can implement the savings and revenue measures, superannuation for example as well, but the savings measures I have mentioned then the ratings agencies obviously would look on that more favourably. Now that is not a guarantee of itself of decisions they may ultimately take but why would you make the job harder of retaining that rating? It will be difficult to maintain that rating under existing economic circumstances and we will work very hard to achieve that. But what makes that job easier is passing savings that restore the budget to balance. Now the government can't do that in isolation. It obviously needs the support of those of the Labor party and if they refuse to step up to their responsibilities then obviously it will fall to the Greens, the other crossbenchers. Now of course there are Senators Day and Leyonhjelm who have been consistent supporters of the government's efforts on budget repair. So I think that puts very a significant responsibility on the Xenophon team and the One Nation team.
Now you just mentioned superannuation. To what extent will the government look at changes and revisions to the superannuation package it took to the election, in particular the $500,000 lifetime provision?
Well the technical amendments that are being made or the technical implementation issues they will be in the exposure draft legislation and will deal with some issues like minor life events or things like this or sometimes major life events indeed. We have already made some adjustments for things like …
But will there be any substantive changes?
This is why the policy I think remains sound – let's take the non-concessional cap, so the after-tax contribution. Those who have made contributions over their lifetime of $500,000, half a million dollars, they have an average balance of $2 million in their super. $2 million. And they have actually on average contributed $700,000. So to change that policy given the vast majority of Australians don't get anywhere near this – in the top income decile in the 65 plus age group, so those who would have the highest level of lifetime contributions and the means to do it, their average contribution is just over $270,000. That's a long way short of $500,000. So the only big winners from changing that measure would be people who already have $2 million in their account, have already put an average of $700,000 in and would be the only people who have the means to throw in another $500,000. So that is $1.2 million whereas those probably more Peter and my age and those coming up younger that, the most they will ever be able to put in is $500,000. Now there is a very real intergenerational equity question here. The current superannuation arrangements have had the most generous concessions that we have ever seen in this country. Those who have already benefitted from those concessions are being asked to take the same sort of change that the rest of the country will have to who will never benefit from those generous concessions. So I think there is a real intergenerational equity here and those who stand most to benefit from those changes have the biggest balances, the biggest incomes and have made the biggest tax-free contributions.
Your colleague the Assistant Treasurer Kelly O'Dwyer did a speech recently lampooning the selfishness of the baby boomers in all of this debate, people like Paul Kelly and others. Do you agree with her on that?
She makes the point that I just made and it is about intergenerational equity. I think we have to be very careful here about who will be – I mean I am putting forward changes in the budget and have been now for some years. We have made changes on pensions. We have made changes on Family Tax Benefits. We have been making changes on not having the carbon tax compensation for new welfare beneficiaries. So we are making important and difficult changes elsewhere in the budget. If you have already got $2 million in your superannuation account and if you have already put $700,000 in, the greatest social challenge in the country is to not ensure you can still throw another half a million in on top of that.
Treasurer, before you go we have to ask you about foreign investment. You face a very important foreign investment decision soon relating to the privatisation of the NSW electricity network. There are two bidders. One is a Chinese state-owned company, the other is a Hong Kong company. So can I ask you first how far away is this decision?
Well it is not too far away.
Can I ask you how important will be the security issues in particular cyber security issues in relation to this issue? There has already been a very intense debate about Chinese state-owned corporations and the extent to which there is a real security problem with such corporations acquiring important potentially strategically important Australian assets. So how vital will the security factor in your decision?
It is the prime consideration. It is the most important consideration and always is Paul. Always has been, always will be. It is the number one issue. It is why I put David Irvine on the Foreign Investment Review Board. It is why I put David Peever on the Foreign Investment Review Board - to have the national security experience and input into these decisions and to assist me making these decisions. Now I note there has been much commentary around this issue and I can't engage on that for obvious reasons, it is a very sensitive matter. But obviously on the other side within the government's consideration, within the confines of the national security advice and the very technical information that is available to the government, people can be very assured that we are taking that to the nth degree in examining the national security issues around that transaction.
Now there has been a lot said about this issue. Pauline Hanson is campaigning aggressively on this. Alan Jones is campaigning aggressively on this. To what extent will the government take into consideration that general political climate when it comes to your decision?
National security will be my prime consideration and I will be informing myself as I have been very extensively particularly since the election on the national security implications of this transaction.
Can I ask you about negative gearing? I know this was a very black and white debate during the election campaign when Labor put forward its model and the government put forward as what it saw was all the problems and threats attached to it. Before that though, before it became such a black and white debate, yourself and others did talk about the excesses that occur within the current negative gearing structure. Does the government have any mind over the next three years not to look at Labor's model – I know there are flaws in that – but to look at removing those very excesses that yourself and Alex Hawke as your Parliamentary Secretary at the time and others did talk about?
We have no plans to make any changes in that area and the capital gains tax issue is also very significant in that. As the Prime Minister made the point, increasing taxes on investment is the last thing you want to do in this economy. The big challenge that the global economy has, the domestic economy has is the sluggish nature of business investment. If you look at the US, Europe, here, stronger performing economies, weaker performing economies, it is business investment and the lack of growth in business investment that is going to be the biggest threat to jobs going forward. That's why our enterprise tax plan has always been so central to our arguments and things like asset-backed financing and the things we are doing for start-ups and tax incentives for joint ventures and so on – it is all about driving business investment, if businesses don't invest then the jobs that people have are not secure. That is why we take such a strong position when it comes to rejecting the idea that you can tax your way to higher levels of business investment. It is a nonsense.
But having said that though when yourself and others only six months ago in some instances were saying that there are excesses in negative gearing the business climate, the threats to growth were the same then that they are now.
Yes but there are costs and benefits associated with how you might employ particular measures in this area and when you look at it, as we did, the negative consequences of going down that path were far greater than the positive consequences.
But isn't it a similar sort of generational argument though, this, that you have got to put an end to the generational advantages that the baby boomers had vis-à-vis superannuation? Then the same thing goes with tax arrangements around multiple properties.
You are making an assumption around the link to housing affordability that I don't necessarily share and that is why on the housing affordability side what we have to look at more specifically is the variety of housing choices from people on very low incomes to those on middle incomes, families, the diversity of housing choices that are available. These are very much supply side issues that we need to address. Downsizing issues for those who are going into their retirement. There is no silver bullet on this issue. This is something that the Prime Minister and I are very focused on. It gets to the efficiency of cities, it gets to transport, it gets to all of these issues and one of the things that I will say, as I have always said about negative gearing, is that if you are a middle income earner. If you are on $70,000, you are on $60,000, then the one big shot you have got on wealth creation for you and your family over the next 30 years is investing in a rental property. And if you are renting…
But I am talking about removing the excesses so they could still do that on one property or even two. Just take out the excesses.
Well, on Labor's policy, the people who will continue to be able to negatively gear are those with high levels of investment income. So, people on high incomes get to keep negatively gearing…
But I am not talking about Labor's policy. I am talking about an alternative way of removing those excesses.
We are not planning any changes there Peter and for the reason I said. We don't see the benefits potentially of that examination exceeding the negative consequences.
Can I just ask you about the centrepiece of the Government's campaign which of course is the corporate tax cut. When you present this to the Parliament will you present it as an overall package involving all of the tax cuts over ten years?
Of course.
You will – fine. And will you fight for that package? Do you think you still have a chance of legislating the package overall?
Well, that will be determined by the result in the Senate but we took it to an election, it was central to our plan for jobs and growth to boost investment in the economy, to encourage investment all the way through and remember that starts with this very year and I should stress also the income tax cut for those on middle incomes, that also starts in this year. We will be putting that legislation…
Well, what is your response to a lot of the politicians a lot of the Senate crossbenchers who say, well, look, they will give consideration, they would support the tax cut for small business, they won't support the tax cut further down the track for big business?
Well, they are entitled to have that view, they're Senators and finally we have a Senate that is now elected on the basis of people actually voting for them and that is why we respect absolutely every single Senator in this Parliament because they have got there because people have gone and voted for them. They will have their views and we have engaged heavily with the crossbench already and we will work that through. But I go back to the point I made about investment. We need to drive investment in this country, otherwise people's jobs are not secure and we need to have policies that do that. Now, we believe the enterprise tax plan drives that investment and we will put that to the Parliament and we will argue for it. We took it to an election and we won the election.
What is your sense though of how the crossbenchers are likely to react to the, if you put it all in as one, the corporate tax cuts, I suspect that they are unlikely to pass that but they might try to carve out part of it as Paul sort of suggests.
Well, I am sure there will be endless articles people can write putting their views forward about how that is all going to play out but what is important is that we put the plan forward as we took it to the Australian people. There is no walking back from that. There is no walking back from any of the measures we put to the Australian people at this election. We will put them to the Parliament and seek to work with the Parliament to take our agenda through and we will work constructively with people on that. I think the first stage and this is where I think some of the crossbenchers have shown some real wisdom, that they are also refusing to be drawn in on every single decision at the moment. They are coming into the Parliament, often with new Senators and they will be spending their time getting across the information, getting across the measures and so we are certainly not seeking to rush them into any decision here and we are just working constructively with them to build the information base upon which you can build a genuine and real agreement on the way forward.
Treasurer, just before we let you go are you disappointed by some of the lack of campaigning from business groups, the property council, during the course of this election campaign? It struck me that behind the scenes that there was some real concern about Labor in these sections of the business community but then there was a fairly lacklustre campaign in behind the government and it has turned out to be an incredibly tight result.
Well, I am disappointed the Sharks lost to Canberra last night. That is what I am particularly disappointed about today.
But they just weren't good enough.
Well, I was down there, and look, it was not our night but to Shane Flanagan and all the boys I know you will be gearing up well for the finals and The Shire is right behind you – 100 per cent.
Are you as disappointed in them as the business community's lack of…
I will let them explain how they make their cases in the public debate but, you know, that really is for them to make the case about the things that they think are important. The unions clearly do and engage politically to that end and how the business community, I think, over the next three years or five years, I mean, Paul, it goes back to the discussion we were having about banks. If there is a view and there clearly seems to be that there is a lot of hostility towards business well there is a case that business will need to make in its own interests.
Treasurer, Scott Morrison we appreciate you joining us on agenda. Thanks for your company.
Thanks a lot.


text:
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text:
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text:
Scoliosis is an abnormal sideways curvature of the spine. It can occur in different positions of the spine but typically results in postural distortion that may become a permanent deformity. If left alone and allowed to advance, it may interfere with your vital organs.
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Simple rules to get started pairing food and wine. First think about the dish dominant characteristics. Is it mild or flavorful? Is it fatty or lean? Is it rich or acidic?
With these characteristics in mind, select a wine that will:
Wine & Food Magazine
Simple rules to get started pairing food and wine. First think about the dish dominant characteristics. Is it mild or flavorful? Is it fatty or lean? Is it rich or acidic?
Keep flavors intensity in balance.
Match mild foods with mild wines. Match big, flavorful foods with big, flavorful wines: bold-flavored Pepper Steak + spicy, bold red Primitivo.
Similarly you generally want to match the richness of the food and the richness of the wine: rich Chicken in Cream Sauce + rich Chardonnay
Cleanse the palate with tannins or acids.
If you're eating a relatively rich, 'fatty' dish you can chose a red wine with good tannins, succulent steak + Chianti, or you can chose a refreshingly crisp acidic white or rosè wine, fried chicken + Pinot Gris.
Soften Strong Spices and Salt.
Strong spices can overwhelm the flavors in a wine. In most cases, wine is not the ideal thing to drink. However, consider something spicy and sweet itself such as an off-dry Gewurtztraminer or a Syrah.
Salty foods are enhanced and balanced by a hint of sweetness, think about Prosecco Extra Dry with some salty appetizers.
Equalize Sweetness
The rule of thumb is to serve a wine at least as sweet or sweeter than the dish. Sweet foods make dry wines seem over-acidic and tart.
When In Doubt...Remember that foods generally go best with the wines they grew up with. So if you're eating Italian food, think about having an Italian wine. This tip often helps simplify the decision.


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Micro needling For Skin Rejuvenation
Micro needling treatment has been used in Europe for many years. Now, it has become very popular here in North America, for its efficacy on the skin, and it is here to stay. Microneedling uses tiny needles, ranging from 0.5 to 1.0 mm in length, to stimulate collagen. As the needles create microchannels in the skin, the body responds by healing itself, creating more collagen. This process occurs almost immediately. At SD Aesthetics we use DermaFrac, for its safety and predictable results.
Along with 180 micro needles, it combines other rejuvenating technologies to infuse powerful serums into the skin. Specific ingredients are selected to target your skin's concerns:
Hyaluronic acid to hydrate
Kojic acid to lighten
Salicylic acid to clarify
Peptides to rejuvenate
Growth factors for healing and healthy cells
Vitamin C for antioxidant protection
As always treatments are customized, however, we suggest series of 6 to 10 , administered every 1 to 2 weeks, followed by a monthly or bimonthy maintenance. Treatments should not be performed until 7 days after having had Botox, fillers, waxing, electrolysis, or high frequency. Unlike other resurfacing skin treatments, microneedling is one of my favorites because there is no removal of the top layer of the skin, meaning there is no downtime post treatment.
Tags: aesthetics, antioxidants, collagen, dermafrac, microneedling, skin rejuvenation, vitamin c
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Considering A Home Security System? Here's Expert Advice
Posted By administrator on April 23, 2015
Your safety is paramount, as is the safety of your family. The items within your home need protecting, too. What are the first steps to take? Read on to find them detailed below in full, giving you a road map of the things you need to do to secure your home.
Do you keep your dog outdoors when you go out? Store the spare key with them. Conceal it in the dog's collar. This works especially well as storage if your pet isn't too fond of strangers.
Good home security systems sound a loud alarm when breached, and that's not all. The majority of systems will give an audible alert when someone enters the house. This is useful for parents who have small kids, as it helps keep them from leaving the house.
At the end of the night, close the drapes and blinds to your home. In addition to giving you more privacy, this blocks the valuable items in your house from view. Keeping your blinds open only serves as an open invitation to anyone who wants to take something from your house.
Really take an inventory of what people can see through your windows. If you can obviously see expensive technology like flat screen TVs and pricey desktops, then you are inviting trouble. Instead, hide that tech and expensive furnishings out of view. Your home will be a lot less attractive to potential thieves.
Buy fire resistant roofing, flooring and ceiling materials. This will give your home added security. You can enhance home safety with excellent fire precautions.
Park in the garage. While it may be tempting to use the garage as an extra storage area instead, doing so will mean that you have to park out where everyone can see your car. Not only are you setting yourself up to have your vehicle vandalized, but burglars can also keep track of when you are home and when you are away.
Check the batteries of your smoke detector each and every week to determine if they are running low. If your smoke detector is not on, it will not pick up the smoke of the fire, which can lead to a disaster. Use quality batteries that last a very long time on your smoke and carbon monoxide detectors.
Don't hide your spare house key in an obvious place outside. The days of safely hiding the spare key under the doormat are long gone. Placing your key in an obvious area like this now may help you if you get locked out, but it could also be an invitation for a thief to enter your home. It's best to avoid hiding spare keys on your property. You should either keep a spare key with a trusted neighbor or get a fingerprint or keypad door lock.
Always lock your home up tight. Even if you are just popping over to a neighbors house, you need to ensure your house is secure. Most break ins happen with no damage at all – the thief just walks through an open door or slips through an open window somewhere.
To reduce the chances of a home invasion at night, make sure you have proper lighting. Burglars try to use darkness as a cover to avoid getting caught. Outdoor lighting can make it look like you're home and can also make it harder for intruders to sneak around unseen. If you are on a trip, try having a timer set for the lights to come on and go off at specific times to make it harder for them to tell if you're home or not.
Are you ready to make your home a safe and loving place to live? The first step is to utilize all of the information you have gleaned from this article. Do it today to ensure that your house is safe every second of the day, protecting everything within its walls.


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2016 KY Bluegrass Award Winner
Faking Normal
Courtney C. Stevens
Publication Date: 2014-02-25
Kentucky Bluegrass Books 9-12
Desert Dark
Sonja Stone
Publication Date: 2016
Sixteen-year-old Nadia Riley is delighted to earn a spot at an elite, government-funded boarding school. Nothing sounds better than leaving behind her fraught relationship with her ex-boyfriend and moving to faraway Arizona for a spot at Desert Mountain Academy. But the Academy is more than Nadia bargained for: it's a covert CIA program training high-achieving students for the Black-Ops. Nadia struggles to keep up in her new classes while gaining the trust of her assigned teammates. Things get worse when news leaks that there is a double agent on campus, and someone is framing Nadia. Nadia discovers dark secrets about her fellow teammates and learns one of them is the deserter. With a setting that is Hogwarts meets The Bourne Identity, this debut YA thriller will make readers mad with suspense.
The Distance from Me to You
Marina Gessner
Publication Date: 2015
McKenna Berney is a lucky girl. She has a loving family and has been accepted to college for the fall. But McKenna has a different goal in mind: much to the chagrin of her parents, she defers her college acceptance to hike the Appalachian Trail from Maine to Georgia with her best friend. And when her friend backs out, McKenna is determined to go through with the dangerous trip on her own. While on the Trail, she meets Sam. Having skipped out on an abusive dad and quit school, Sam has found a brief respite on the Trail, where everyone's a drifter, at least temporarily. Despite lives headed in opposite directions, McKenna and Sam fall in love on an emotionally charged journey of dizzying highs and devastating lows.
A List of Cages
Robin Roe
Publication Date: 2017
When Adam Blake lands the best elective ever in his senior year, serving as an aide to the school psychologist, he thinks he's got it made. Sure, it means a lot of sitting around, which isn't easy for a guy with ADHD, but he can't complain, since he gets to spend the period texting all his friends. Then the doctor asks him to track down the troubled freshman who keeps dodging her, and Adam discovers that the boy is Julian--the foster brother he hasn't seen in five years. Adam is ecstatic to be reunited. At first, Julian seems like the boy he once knew. He's still kind hearted. He still writes stories and loves picture books meant for little kids. But as they spend more time together, Adam realizes that Julian is keeping secrets, like where he hides during the middle of the day, and what's really going on inside his house. Adam is determined to help him, but his involvement could cost both boys their lives.
Meet Me Here
Bryan Bliss
Publication Date: 2016
In a single night--graduation night--Thomas has to decide: do what everyone has always expected of him, or forge an entirely new path? Thomas is supposed to leave for the Army in the morning. His father was Army. His brother, Jake, is Army--is a hero, even, with the medals to prove it. Everyone expects Thomas to follow in that fine tradition. But Jake came back from overseas a completely different person, and that has shaken Thomas's certainty about his own future. And so when his long-estranged friend Mallory suggests one last night of adventure, Thomas takes her up on the distraction. Over the course of this single night, Thomas will lose, find, resolve, doubt, drive, explore, and leap off a bridge. He'll also face the truth of his brother's post-traumatic stress disorder and of his own courage.
The Memory of Light
Francisco X. Stork
Publication Date: 2016
When Vicky Cruz wakes up in the Lakeview Hospital Mental Disorders ward, she knows one thing: After her suicide attempt, she shouldn't be alive. But then she meets Mona, the live wire; Gabriel, the saint; E.M., always angry; and Dr. Desai, a quiet force. With stories and honesty, kindness and hard work, they push her to reconsider her life before Lakeview, and offer her an acceptance she's never had. But Vicky's newfound peace is as fragile as the roses that grow around the hospital. And when a crisis forces the group to split up, sending Vick back to the life that drove her to suicide, she must try to find her own courage and strength. She may not have them. She doesn't know. Inspired in part by the author's own experience with depression, The Memory of Light is the rare young adult novel that focuses not on the events leading up to a suicide attempt, but the recovery from one -- about living when life doesn't seem worth it, and how we go on anyway.
The Reader
Traci Chee
Publication Date: 2016
Instant New York Times Bestseller A stunning debut set in a world where reading is unheard-of, perfect for fans of Inkheart and Shadow and Bone Sefia knows what it means to survive. After her father is brutally murdered, she flees into the wilderness with her aunt Nin, who teaches her to hunt, track, and steal. But when Nin is kidnapped, leaving Sefia completely alone, none of her survival skills can help her discover where Nin's been taken, or if she's even alive. The only clue to both her aunt's disappearance and her father's murder is the odd rectangular object her father left behind, an object she comes to realize is a book--a marvelous item unheard of in her otherwise illiterate society. With the help of this book, and the aid of a mysterious stranger with dark secrets of his own, Sefia sets out to rescue her aunt and find out what really happened the day her father was killed--and punish the people responsible.
Rebel of the Sands
Alwyn Hamilton
Publication Date: 2016
Mortals rule the desert nation of Miraji, but mythical beasts still roam the wild and remote areas, and rumor has it that somewhere, djinn still perform their magic. For humans, it's an unforgiving place, especially if you're poor, orphaned, or female. Amani Al'Hiza is all three. She's a gifted gunslinger with perfect aim, but she can't shoot her way out of Dustwalk, the back-country town where she's destined to wind up wed or dead. Then she meets Jin, a rakish foreigner, in a shooting contest, and sees him as the perfect escape route. But though she's spent years dreaming of leaving Dustwalk, she never imagined she'd gallop away on mythical horse--or that it would take a foreign fugitive to show her the heart of the desert she thought she knew. Rebel of the Sands reveals what happens when a dream deferred explodes--in the fires of rebellion, of romantic passion, and the all-consuming inferno of a girl finally, at long last, embracing her power.
The Skeleton Tree
Iain Lawrence
Publication Date: 2016
Less than forty-eight hours after twelve-year-old Chris sets off on a sailing trip down the Alaskan coast with his uncle, their boat sinks. The only survivors are Chris and a boy named Frank, who hates Chris immediately. Chris and Frank have no radio, no flares, no food. Suddenly, they've got to forage, fish, and scavenge the shore for supplies. Chris likes the company of a curious, friendly raven more than he likes the prickly Frank. But the boys have to get along if they want to survive. Because as the days get colder and the salmon migration ends, survival will take more than sheer force of will. Eventually, in the wilderness of Alaska, the boys discover an improbable bond--and the compassion that might truly be the path to rescue.
Stalking Jack the Ripper
Kerri Maniscalco; James Patterson (Foreword by)
Publication Date: 2016
Seventeen-year-old Audrey Rose Wadsworth was born a lord's daughter, with a life of wealth and privilege stretched out before her. But between the social teas and silk dress fittings, she leads a forbidden secret life. Against her stern father's wishes and society's expectations, Audrey often slips away to her uncle's laboratory to study the gruesome practice of forensic medicine. When her work on a string of savagely killed corpses drags Audrey into the investigation of a serial murderer, her search for answers brings her close to her own sheltered world.
The Sun Is Also a Star
Nicola Yoon
Publication Date: 2016-11-01
Natasha: I'm a girl who believes in science and facts. Not fate. Not destiny. Or dreams that will never come true. I'm definitely not the kind of girl who meets a cute boy on a crowded New York City street and falls in love with him. Not when my family is twelve hours away from being deported to Jamaica. Falling in love with him won't be my story. Daniel: I've always been the good son, the good student, living up to my parents' high expectations. Never the poet. Or the dreamer. But when I see her, I forget about all that. Something about Natasha makes me think that fate has something much more extraordinary in store--for both of us. The Universe: Every moment in our lives has brought us to this single moment. A million futures lie before us. Which one will come true?
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Jean-David Morvan; Séverine Tréfouël; Dominique Bertail (Illustrator); Robert Capa (Photographer)
Publication Date: 2015-10-20
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Nov 26, 2018 4:17 PM
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Bene and Kevin are amazing clients! There is nothing better than taking photos of people who are so comfortably in love! McKinney was the perfect backdrop for the photos and we were blessed with great romantic lighting to top it all off:)
The couple is getting married next July and I seriously can't wait for the wedding!


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SAN SEBASTIAN — The bulk of programming for San Sebastián's Savage Cinema program is traditionally composed of documentary films, full of highlight and interviews with many of the world's top action-sports stars. Serge Hazanavicius's "To the Top," world preeming at the event, may then be indicative of an evolution in the action-sports genre, in that it is a work of fiction driven by a strong narrative and featuring the sports of big mountain skiing and snowboarding as characters in the film, rather than its only focus.
Produced by France's My Family and Rouge International, sales are handled by Gaumont with French domestic distribution by UGC set for this December.
Hazanavicius, brother of "The Artist," director Michel, has channeled a lifetime of big mountain skiing into this 90-minute love story about the sport. "To the Top" turns on a young social-media-star snowboarder named Scott, played by Kev Adams, one of France's most recognizable comedic actors and his dream of becoming the first snowboarder to descend Everest's lethal Hornbein Couloir.
Under terrible conditions at the top of the pinnacle Aiguille du Midi, Scott happens upon one of his idles and, against his better judgment, decides to follow Pierrick down the mountain. Impressed by his skills but discouraged by his recklessness, Pierrick admonishes Scott once they make it safely down.
Dejected, Scott decides that Pierrick was right, and hires the seasoned pro as a guide and tutor. A relationship blooms between the two as they continue to push each other to greater heights, with Pierrick eventually signing on to help Scott achieve his Everest dream.
Hazanavicius discussed with Variety his world-premiere film, why he chose fiction to tell the story and the logistics of filming the world's highest slopes.
What was the origin of "To the Top?" You've got some big stars in Kev Adams and Bérénice Béjo.
There are two origins. The first is my passion for the mountains. I have been free riding since I was 20 years old, and I've been looking to tell this story for a long time. The other origin is my life as an actor. I've worked with Kev for nine years, but I think the other actors followed because I was so passionate about the subject. Also, Bérénice is my sister-in-law.
Can we talk about her character? It's interesting because you could have used her being left behind while her partner risks his life as a source of conflict, but chose not to. Instead she pushes him to go do it.
There is no conflict between characters in this film, the conflict always comes from inside the characters. There is no bad guy, that wasn't the point. The conflict is with the risk. But, Bérénice's character is based on my wife. My friend Stéphane Dan, when we were writing the script, wanted to tell the story of a woman that every rider dreams of. She could just as easily be a wife of a helicopter pilot or a police officer that risk their lives. It's an interesting character, a partner of someone who could go to work any day and die, but our character sees that her partner is unfulfilled and wants him to do what makes him happy.
Traditionally Savage Cinema shows documentaries, although sometimes with a careful narrative structure. Why the choice to do fiction?
I didn't want to make a documentary. I do want to some day, but that's another movie. I wanted to put this in fiction because I felt that with fiction the story is more important than the activities. There are some really good documentaries already, and my subject was about a young guy who was really passionate. The story is a metaphor of my life and meeting Kev. I met Kev when I was ready to settle into TV and work four or six months a year. So the film is my story with Kev pushing me, and my passion for the sport.
How much of the filming was done by you, did you use any special effects to get the images you wanted?
There is absolutely nothing done in the studio or with green-screen. Everything is real. I know the best guys and we shot a lot of different ways. I shot the normal scenes, in houses or on the street, as I did with the athletes. There is improv with skiers, and although my actors weren't totally improvising I was always following them with the camera, letting them move where they wanted.
This story takes place all over the world. Can you talk about the locations you used?
Most of the locations in the Alps I knew well. After that I went to Nepal with the actors. We also went to Ladakh in the north of India, the southern ramp of the Himalayas. We were shooting at the base camp there and there were another few shots we did at the North Face. We didn't take the actors to the North Face though. At 4,000 meters they were struggling enough so 6,000 meters on the North Face was not reasonable. They didn't sign up for that. It's different when you are reading a script in your room compared to being on the side of a mountain.


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Fitz's On The Lake
W11602 Hwy V
Lodi, WI 53555
Phone: 608-592-3302
Download or Print our menus with current pricing:
Complete Menu | Breakfast Menu | Friday Night Menu | Saturday Night Menu | Seniors Menu | Dessert Menu | Catering Menu
Express Lunch
Monday thru Friday - 11a.m. to 2:00 p.m.
Herb Crusted House Pulled Mozzarella
Bang Bang Calamari Cocktail - Tender Calamari with Thai Chili garlic sauce.
Brussel Sprout Chips
Grilled Haddock Cake
Deep Fried Cheese Curds - A Wisconsin Favorite
Chicken Drummies
Popcorn Shrimp - Red Hook Ale battered shrimp served with our cocktail sauce.
Homemade Chips
Cup of Soup and Salad Bar - Add Salad Bar with a Sandwich
Soup – Cup or Bowl
Salad Bar
Chili – Cup or Bowl
Chili with Salad Bar – Cup or Bowl
*Wisconsin food safety agencies advise that eating raw or undercooked meat, poultry, eggs or seafood poses a health risk to everyone.
Serving at 4:00
All Dinners Include Salad Bar and Choice of Potato – French fries, baked, hashbrowns or homemade chips
Haddock Cakes - One of our most popular items. Baked chunks of sweet Icelandic haddock blended with a light lemon dressing, grilled, and accompanied by our house sauces, remoulade and tartar.
Coconut Shrimp - Batter-fried jumbo shrimp enhanced with coconut sauce and toasted coconut.
Coconut Shrimp and Bang Bang Chicken - Our hand battered coconut shrimp paired with grilled chicken breast glazed with a sweet and spicy Thai chili garlic sauce.
Top Sirloin - Center cut sirloin seared on a flat grill.
Beef Tenderloin - Center cut choice tenderloin seared to your liking.
8 oz. Ribeye Steak - Cut on site, locals favorite.
BBQ Pork Ribs Full Rack or Half Rack
Fried Chicken - Bone-in chicken lightly seasoned, breaded and fried to hold in the juices. Not available on Fridays.
Key West Chicken - Grilled Chicken breast, bell peppers, mushrooms, onions, soy lime honey glaze
Fitz's Beer Battered Haddock - Tender white haddock filets, hand battered, golden brown.
Baked Haddock - Tender white filets of haddock lightly seasoned.
Pan Fried Walleye Pike
Hand Battered Walleye Pike
Lake Perch - Hand battered, golden brown. Not available on Fridays.
Jumbo Shrimp - Hand battered in our famous beer batter or sautéed with fresh garlic infused oil.
All sandwiches stand alone.
Add French fries or homemade chips for $1.99
Creamy Bacon Cheeseburger - Downtown Lodi Meat Market fresh ground beef glazed with Wisconsin cheddar and finished with our house creamy bacon sauce on a grilled brioche roll
The Fitzburger - Fresh ground beef served on a grilled brioche roll.
Roadside Patty Melt - Fresh ground beef with caramelized onions, melting American cheese, and green onion mayo on marble rye.
The Rockefeller - Fresh ground beef with our signature creamy fresh spinach and artichoke cheese dip.
Western Burger- Grilled onion, bacon, cheddar, BBQ sauce
Bio Burger - Plant Based burger
Fitz's Triple Decker BLT
Fitz's Triple Decker Club
Beer Battered Haddock Sandwich - Our famous beer battered haddock on a fresh grilled hoagie with lettuce, tomato and tartar sauce.
Grilled or Fried Chicken Breast Sandwich
Deluxe Grilled Cheese - Melted Swiss and cheddar cheeses with tomato, bacon and sliced onion.
Grilled Ham and Cheese - Hickory smoked ham and grilled American cheese.
Corned Beef Reuben - Slow cooked corned beef with melted Swiss, sauerkraut and thousand island dressing. Served on marble rye.
Turkey Reuben
Steak Sandwich - House pulled mozzarella, green inion mayo, spring mix, balsamic vinaigrette on a grilled hoagie roll.
Choice of white, whole wheat, marble rye or sourdough breads.
Add Cheddar, Swiss, Pepper Jack or American cheese to any sandwich for .99
Add grilled mushrooms $1.50
Add 2 strips of bacon $1.50
Seniors Night - 9 different dinners under $9.99
Haddock Cakes - Served with remoulade, tartar sauce, slaw, and a choice of potato.
Tiki Taco Tuesdays $5 Tiki Drinks and $7 Tacos, Summertime Only
Hand Battered Haddock
Baked Haddock
Half and Half - Served with coleslaw and choice of baked potato or fries.
The TRIPLE TREAT - BBQ pork ribs, country fried chicken, fried shrimp, and mashed potatoes w/ gravy and coleslaw.
It's a STEAK-OUT! - Bone-in seared ribeye steak, cheddar-chive mashed potatoes and gravy, fresh seasonal vegetable.
All features offered from lunch & dinner.
Haddock Cakes - Served with remoulade, tartar sauce, slaw, and a choice of potato.
All You Can Eat Spaghetti and Meatballs - A bottomless plate of our homemade Italian treat. Served with salad and garlic bread sticks.
All You Can Eat Jumbo Chicken Wings - Served with French fries and coleslaw.
ALL YOU CAN EAT. - Served with coleslaw and choice of baked, augratin, hashbrowns, or French fried potatoes.
Add cheese and onions to hashbrowns
Hand Battered Haddock
Baked Haddock
Half and Half
Prime Rib Au Jus (while it lasts) -*8 oz. 12 oz. 16 oz
Fresh Fish
The TRIPLE TREAT - BBQ pork ribs, country fried chicken, and fried shrimp.
Chicken & Fish Combo - Two pieces of fried chicken served with our famous fried or baked haddock.
4 pc. Fried Chicken Dinner - Features above accompanied by mashed potatoes w/ gravy and coleslaw.
No to-go box with extra orders of all you can eat.
Angry Orchard
Bud Light
Busch Light
Michelob Ultra
Leinie's Summer Shandy
Miller Lite
Miller High Life
Old Style
Coors Light
Corona Extra
Corona Light
Honey Blonde IPA
Rift IPA
Kiss the Lips IPA
Rockys Revenge Brown Ale
Seasonal Tap Beer of the Month
Spotted Cow
Hacker-Pschorr Weisse
Miller Lite
Ask your server about our seasonal beers.
Simi Chardonnay
Prairie Fume
White Reisling
Cabernet Savignon
Cavit-Pinot Grigio
Pinot Noir
Yellow Tail Merlot
Yellow Tail Cabernet
Yellow Tail Shiraz
Mike's Hard Cranberry
Mike's Hard Lemonade


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DAYTONA BEACH -- Men want her, women want to be her, but the klieg lights might soon dim on Danica-mania in spite of how enticing her signature perfume "Danica" might be.
Danica Patrick -- the first woman to win an IndyCar race -- generates heat wherever she goes. At Daytona International Speedway, the 12th-place finisher in Friday's qualifying hardly ever walked alone -- unless she purposely ducked out from the wide swath of reporters and photographers trailing her. Turn on a television or surf the Web and there she is -- hawking an Internet domain-naming site, antifreeze or Twinkies.
But whether that has to do more with what happens in the driver's seat, or when she peels off her fire suit to reveal a white bikini isn't clear, veterans of the car racing press corps say.
"She's a phenom who has to prove herself," said Ernie Saxton, founder and past president of Eastern Motorsports Press Association. He writes freelance for the Bucks County (Pa.) Courier Times and publishes a motorsports marketing newsletter. He's been traveling with the racing circuit since 1969.
"She's probably creating as much a stir as those guys (Dale Earnhardt Jr., Jeff Gordon and Tony Stewart) did in their hot seasons," he added. "What's working for her is sex appeal, her driving and being able to market herself."
Traffic on the Web site of the race she's in today -- the ARCA Lucas Oil Slick Mist 200 -- increased by 300 percent Thursday when she started practicing, he said.
Herpress representative, Haley Moore, said Patrick is not feeling the pressure of all the attention.
"She's used to having cameras in her face," Moore said. "We're having fun."
Patrick arrived on the NASCAR scene last year just as a sport that had for decades seen nothing but increases in its fan base began to level out, and even decline a bit. So having a star mainstream enough to unveil her car on "Good Morning America" has injected some needed crossover appeal into the series.
No other NASCAR driver could command that kind of exposure, said Nate Ryan, motorsports reporter for USA Today who has been covering car racing full time since 2002.
"She has a transcendent quality," Ryan said. "She's attractive. She's done something no one else ever did and she seems to have a good sense of style."
And it doesn't hurt that style has been seen on Hollywood's red carpet, he said.
Monte Dutton, who's been covering the racing circuit full time since 1996, called Patrick one of the most visible athletes of the moment. He said he's not exactly sure who's watching.
"It could be more women because she's a woman," said Dutton, who writes for the Gaston (Ga.) Gazette. "Or men because she's attractive."
He's among many who say, though, that she needs to decide whether she's going to accelerate to the top of NASCAR's pack or remain in the IndyCar Series. It's hard to do both, he explained.
"She has a stern task in front of her," Dutton said. "But I think it's exciting that she's going to give it a try."