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Want to see more resources?
Are you spending more time trying to find new customers ("catching") than on maintaining current ones satisfaction ("keeping")? According to Morfin, you aren't alone — most financial professionals struggle with this balance. Learn to optimize your time and energy by balancing three areas: catching, keeping and growing your business by asking for qualified referrals. Morfin shows you the value and the importance of keeping current customers satisfied. Discover how to improve your closing average and focus on the niche markets where you feel more successful.
When not asking impacts a referral, a friendship and a future
Position yourself for large amounts of business-owner referrals.
The key to acquiring high-net-worth clients by referrals and building high-trust relationships, from Bill Bachrach, who is a top coach for financial advisors.
Remember when business was fun? You're allowed. It's OK. In fact, people tend to do business with people they like, according to Trovato. You can be the best financial planner in the world, but if no one knows you, loves you and trusts you, you will be a lonely financial planner with lots of time on your hands. Using a play on the TV show "Seinfeld," where "nothing" really means everything, Trovato helps you learn how and why to do successful client events, explains why traditional mission statements don't work and what to do instead, and shares how he achieved Top of the Table status in just two years.
Over 90 percent of Tancock's new clients are referrals from existing clients. They are not coming in because she has better products to sell or can promise better market returns; they are looking for someone to help them organize their finances and help them achieve their goals. Tancock shares the process that she follows to make sure she remains referable in every stage of the sales/service process.
How do you turn clients into advocates so that whenever they are talking to people about finance, your name is mentioned and your expertise recommended? At the 2017 Annual Meeting, Chris Leach from Cardiff, Wales, shares her ideas.
By developing a system that both puts you in front of your clients regularly and yields their feedback on your practice, you keep those clients engaged and wanting to refer you. Noble shares his marketing plan, which details how he keeps himself in front of his clients on an ongoing basis while keeping operations intact. Noble's client appreciation events, which have produced countless referrals, provide the opportunity to ask for referrals without making it awkward.
Kimball draws on his 35 years of industry experience and regular Top of the Table qualification to explain his proven system of using only referred leads. He discusses when to ask, how to ask, overcoming objections, making it fun and how to thank clients properly for referrals.
Hear five no-fail ideas to achieve and stay at Top of the Table.
Effective and quick sales idea favorites from MDRT members around the world.
Learn how and when to prospect. Presky shares strategies to earn the right to be referred. Presented at the 2016 Annual Meeting.
Foster discusses his approaches to getting referrals, including using social media and centers of influence.
Find clients without cold calls with this method for building a referral network from Plybon, a Top of the Table qualifier and Past MDRT President.
Find out the lesson that increased Richard Jones production, taking him from Court of the Table to Top of the Table.


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Starting her modelling career in 2010, she bagged a position in the Top 10 in Miss India 2011 beauty pageant. From owning a YouTube channel where she uploads informative videos on beauty, makeup and skincare to have acted in various Kannada, Hindi, Tamil and Telugu films; the actress has made an impact everywhere. She has left a large audience awed across the country with her indomitable presence and extraordinary talent.
The list of her achievements doesn't end here.
She has also bagged several awards like Asian Viewer's Television Award, India News Award and Lions Gold Award to add to her collection of laurels. Her charismatic presence couple with a relatable story gave the popular show 'Kuch Rang Pyar Ke Aise Bhi' an IMDB ranking of 9.4/10 and made it one of the highest ranked Indian TV shows.
Yes, you guessed it right! She is the very beautiful, very talented, very charming and very popular Erica Fernandes aka Dr. Sonakshi Bose, lovingly addressed as 'Sona' in her show.
1. You're a new addition to the crayon box. What color would you be and why?
It couldn't be just one colour because I definitely have shades which I am actually still figuring out.
2. What do you think about when you're alone in your car?
What's my next step gonna be? What do I want to do next? I am a compulsive thinker I could say, always thinking about something or the other .
3. Who is your favourite YouTube Vlogger?
To be honest I do not have favourites nor I watch too many videos online .
4. Do you follow Bigg Boss 11? Who should win?
No, I do not. It's not my cup of tea .
5. A TV series you can never get enough of?
7. Which fashion designer you adore the most?
A couple of them actually - Tory Burch would be one among them
8. What was the last gift you gave someone?
9. What's exciting to you about the fashion industry?
That it makes you feel better. I love dressing up. So it definitely excites me .
10. How do you think the fashion industry can improve?
By bringing in more practical designs than designs that look fancy and fabulous but considerably are not that comfortable.
11. Which celebrities have the best style to you?
I love Catherine Middleton ( Princess Kate ) and also Deepika Padukone ,
13. OK, heels: wedge? platform? flattie?
In heels, stilettos. Otherwise, flats.
14. If you can only use one eye makeup product, what would it be?
15. What if your favorite brand of makeup?
I like different brands for different kinds of makeup .
16. Should men be wearing some/more make-up?
It depends on how comfortable and willing someone is to put on makeup .. its not a crime to do so . If it makes you feel better, do it !
17. If you could hold on to one memory from your life forever, what would that be?
I am too young to answer that right now. I have a long life to live and experience still.
18. What lessons has your work life taught you?
Depends on how one takes it really. To me it was - To not give up and let the criticism not bother you .
19. When you meet God, what do you want to say to Him?
Well, I guess he'll have more questions.
20. A song that describes your current state of mind.
Lazy song - Bruno Marz
21. What is your fitness regime?
don't have one
22. A street treat you like?
Pani puri ( anytime !!)
23. What makes your day?
My dog champ
Follow Erica on YouTube
Follow Erica on Instagram
Do you have any messages for Erica? Make sure you write them in the comments below! Let her know how much you all love her!
Follow Erica on Twitter
GET TO KNOW ABOUT THE MOST COMMON PROBLEM OF DARK CIRCLE AND PUFFY EYES . https://t.co/CHSjfQQug4
— Erica J Fernandes (@IamEJF) January 11, 2018

subset: commoncrawl


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Sheffield's Odeon Cinema has given its customers an update on the massive refurbishment project currently taking place.
The Arundel Gate complex closed its doors in the middle of July to undergo an extensive revamp to be transformed into an upgraded Odeon Luxe.
Cinema bosses have promised better seating with built in tables and a more "immersive experience" once the work is complete.
The cinema has promised that Odeon Luxe will offer a 'wide range of treats for all tastes' with tables built into the seats.
Odeon will also be launching Oscar's Bar which will provide an extensive range of drinks.
It's been three months now since work started on transforming the cinema and customers are wondering when it will finally be reopening.
Responding a question on Twitter, ODEON Help replied that the cinema still don't have an opening date confirmed.
However, they have told customers to 'watch this space' so could it be opening its doors sooner rather than later?
An ODEON spokesperson said: "We are currently undergoing extensive refurbishments at ODEON Sheffield, including new luxury reclining seating, to ensure our guests experience the very best in cinema entertainment. We've plenty more exciting news in the pipeline, so watch this space.
"Every seat on every row in your new Odeon Luxe Sheffield will be expertly designed for you to relax and recline during your film. With less seats and more personal space, you'll have a more immersive experience with every visit.
"In the short time we are closed you can still see all the latest releases at Odeon Mansfield and Huddersfield.
"We will keep you updated with all the latest news on your Odeon Luxe Sheffield opening...we can't wait to welcome you back soon."


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Admission Arrangements
Children admitted to the nursery need to be three by the 31st of August. You will be invited to bring your child to visit the nursery a few weeks before formally starting school. Further details can be obtained from the main office.
Child Progress Update Information
There are many opportunities during the school year for formal and informal contact between parents and teachers. Parents evenings are held three times a year, where parents can visit the school to see their child's working environment, as well as see their work. These are opportunities to discuss formally your child's progress with their class teacher.
Parents who wish to discuss their child's progress at other times should make an appointment with the teacher or teachers concerned. This will generally be before or after school.
The school carries out regular assessments of all pupils, in accordance with the school's assessment policy.
Towards the end of the school year, parents receive a written report. This is based on the teachers assessment of the child's work during the year.
At the end of the each key stage, year two and year six children will also be given an assessment in English, Mathematics and science against National Curriculum expectations.
Parents are invited to come and share in the celebration of the children's work at special assemblies.
Throughout your child's time at Ty Sign Primary School, you will have the opportunity to see a Harvest Service, St David's Day Celebration, Christmas Plays and the Leaver's Assembly. The local minister – The Rev. Marc Owen – visits the school, as well as the Salvation Army and various other charities to conduct Collective Worship. All of these occasions do much to enhance the life of the school.


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Not only does Zonta seek to empower women but we also seek to create lasting friendships between our Zontians. Our Fellowship Chair, Denise Tobias, never fails to find fun events for these friendships to blossom into something special. Zontians have been out and about wine tasting at Stoney Acres Winery, catching a play at Thunder Bay Theatre, twirling paint brushes at Cobbygoose, and exchanging desserts at a fellow Zontian's home.
No matter the event, you can feel assured fun was had and fellowship was plenty. Ideas for an upcoming event? Please let Denise know and she will work some magic.
Wine tasting at Stoney Acres Winery. (L to R: Denise Tobias, Aneka Wagner, Pam Richardson, Stacey Smith, Julie Dietz, Kim LaBrecque, Joyce Brilinski)
The ladies at the Thunder Bay Theater's production: Urinetown. (L to R: Diane O'Connor, Pam Richardson, Denise Tobias, Kim LaBrecque, Chelsea Wallace)
Painting at Cobbygoose. (L to R: Pam Richardson, Joyce Brilinski, Aneka Wagner, Denise Tobias, Lisa Medina, and Guests)


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Another undercover agent, another sting, another permanent resident living in Toronto now in custody on allegations of terrorism.
As the jury in the Via Rail terror trial began deliberations Wednesday, news came that the Canadian Border Services Agency is seeking to deport an alleged ISIS sympathizer to Pakistan for plotting to bomb the American Consulate on University Ave. or offices in the Financial District downtown.
Jahanzeb Malik, 33, was arrested by the CBSA on Monday after a six-month investigation and held for a 48-hour detention review on allegations he was "engaging in terrorism and being a danger to the security of Canada." After a hearing before the Immigration and Refugee Board of Canada (IRB), he was ordered detained Wednesday at the Lindsay superjail, pending a deportation hearing.
But why deport him rather than give him his day in court — as the justice system has done with accused terrorists Raed Jaser, a permanent resident of Palestinian descent, and Chiheb Esseghaier, a PhD student from Tunisia, who now await a jury verdict in the downtown courthouse right across the street from Malik's alleged target?
It's a question that has yet to be answered.
It seems a strange manoeuvre to use the IRB rather than the criminal court to keep us safe from this alleged terrorist, especially considering the frightening allegations. The CBSA accuse Malik of trying to recruit an undercover agent by showing him ISIS beheading videos and the online lectures of Anwar Al-Awlaki in hopes he would help him make a remote-controlled bomb. He also reportedly discussed posting a video of the bombing to inspire others to do the same.
The unusual deportation route was also taken recently to deal with another Pakistani national suspected of terrorism, Mohammed Aqeeq Ansari.
Ansari, also being held at the Central East Correctional Centre in Lindsay, was arrested Oct. 27 in Toronto following the two terror attacks that killed a soldier on Parliament Hill and another in Quebec. Police allege Ansari has ties to militants in Pakistan, possessed an arsenal of firearms, and expressed extreme views on Twitter. Instead of charging him criminally, the CBSA is seeking to deport him as well as a threat to Canadian security.
Avoiding the criminal justice route is likely a strategic consideration, according to intelligence expert David B. Harris.
"Speaking as a lawyer, a Crown prosecutor must have confidence that there's a reasonable prospect of conviction — that's the magic term that takes into account the heavy burden the Crown carries of proving guilt beyond a reasonable doubt," he noted from Ottawa, where he heads up Insignis Strategic Research.
The Crown's case may also be seriously compromised if they're restricted from using key evidence. "There is a never-ending problem in intelligence prosecutions of facing the risk of exposing tradecraft, sources and information, including information dealing with people who could be at risk if exposed in open court."
In this case, the undercover officer was posing as contractor who had served in Bosnia. In the Via case, the FBI agent was an American Muslim passing himself off as a rich real estate developer with radical views. There are so few of these undercover operatives working in the alleged jihadi underworld that Ontario Superior Court Justice Michael Code went to great lengths to protect his identity.
Going to court could risk endangering the undercover agents involved in the stings that net terror suspects. Or they just might not have enough evidence to secure a criminal conviction. Making the case for deportation requires a much lower threshold than a criminal prosecution, Harris explained. Far less evidence is needed to send an immigrant packing than it does to send them to prison.
It's certainly a tempting way to go — give a non-citizen the heave-ho rather than spending the time and expense required to prove those allegations in a criminal court. And in this climate of fear, exile and banishment is tantalizingly attractive.
But in a country that prides itself on the very liberties the terrorists hate so much, a difficult question: Should the right to a fair trial only be reserved for Canadian citizens?
Read Mandel Wednesday through Saturday.


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Mac Botanica: Into the Unknown Collector's Edition Game
You are Dr. Ellie Wright, a botanist stranded on a strange planet called Botanica. Full of curious creatures and exotic landscapes, Botanica is like nothing you've ever seen! Test your wits as you navigate through lush forests, steampunk villages, and more. But danger lurks at every corner; make both friends and enemies as you try to outsmart the cunning Queen Kassandra. Can you survive Botanica and find your way back home? This is a special Collector's Edition release full of exclusive extras you won't find in the standard version. As a bonus, Collector's Edition purchases count toward three stamps on your Monthly Game Club Punch Card! The Collector's Edition includes:
One hour or 60 minutes free trial demo version of the game is provided above. There are some games with more than 1 hour (80 minutes) time limit. Windows7Games.com provides virus free games setup files which are placed on secure server. Downloading time of game setup files varies depending up on size and your internet connection speed. Before buy your full version legal copy with various available payment methods you can play free demo of downloadable casual game. You have to purchase activation code or serial key for full version of the game by credit card, Visa Card, Master Card, American Express Card, Discover Card or Via PayPal.
Read Botanica: Into the Unknown Collector's Edition Game Features
- Hours of bonus gameplay!
- Integrated strategy guide
- Concept art and cut-scenes
- Game soundtrack and wallpapers
- Achievements and collectible items
- Buy full version of this game for PC!
Minimum System Requirements for Playing Game
- Operating System: 10.8/10.7/10.6/10.5
- Processor: 800 Mhz (INTEL ONLY)
- RAM (Memory): 512
- Free Space on Hard Disk: 705 MB
More Information About This PC Game
- Game Size: 684.1 MB
- Date of Release:
- Game Category: MAC Puzzle Games


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Advocates for illegal immigrants are eyeing Arizona, where a movement that encourages churches to shield illegal aliens from federal authorities is quietly growing. It is a movement advocates hope could serve as a model for illegals across the nation seeking to stay in the United States.
So far this year, three illegals have taken refuge in Arizona churches, refusing to submit to ordered deportations. Church officials who hope to launch a nationwide effort of like-minded churches are shielding these immigrants.
Rev. Noel Andersen, a national grassroots coordinator for Church World Service, recently told the Associated Press that churches of several denominations in at least four major cities are preparing to emulate Arizona churches in the sanctuary movement.
"I would say there's close to 300 congregations out there throughout the country that are willing and ready to give sanctuary when needed," Andersen said on September 9.
Immigration officials are loath to barge into American churches to serve deportation orders, so illegals feels safe inside them.
Showing how delicate such a situation might be, in April, a Pima County Sheriff arrested several illegal aliens standing on the steps of a Catholic Church in Ajo, Arizona, a town 130 miles southwest of Tucson. The incident caused quite a controversy as church officials decried the officer for "stepping over the line" and apprehending the illegals on church property.
This method of hiding illegal immigrants is not new. The campaign of forcing the federal government to allow particular illegals to stay in the U.S. by hiding them in churches was used to effect in the 1980s when several South and Central American countries erupted in civil unrest. Then, many illegal immigrants feared the roaming death squads that killed thousands.
Advocates today hope to recreate that success.
One illegal in Arizona, 41-year-old Robles Loreto, is becoming a face for this hoped-for movement. Loreto was ordered deported after a traffic infraction four years ago, but after fighting the order for some time, this year, she fled to the Southside Presbyterian Church in Tucson in an attempt to avoid her impending deportation.
The church's Rev. Alison J. Harrington said that Loreto is a "perfect example" of "the families that are being needlessly torn apart every single day" by American immigration policies.
"We felt compelled by our faith to welcome them into our church and shelter them and to begin a campaign to get their orders of deportation removed," Harrington proclaimed.
Organizers hope that they can use Loreto's situation as an example to other states.
Follow Warner Todd Huston on Twitter @warnerthuston or email the author at firstname.lastname@example.com.


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Setting the Stage:
The reference interview took place in a public library on the Westside of Indianapolis, at the end of the workweek, 45 minutes after opening for the day. The library seats two reference desks next to each other (one male librarian and one female librarian) with their back to a shelf full of ready reference materials. On the desk is a computer monitor, some printed takeaways and some books waiting to be shelved. When I walked in, the female reference librarian was arranging the Black History Month book display and the male reference librarian was taking a phone call and conducting a search on the computer. I locked in on male reference librarian and pretended to browse the collection until he was done with the phone call and available for Readers' Advisory (RA) service.
Initiating the RA interview:
I approached the desk shortly after he hung up the phone. I specifically wanted the male librarian because he was behind the desk and it would be interesting to see how he would handle a query about fiction books on women's lives and relationships and nonfiction books on emotional self-help. I must have set my expectations too high because when I approached the desk to greet him he looked up, extended his arm and offered me an internet pass. Fumble! When did reference librarians become mind readers? I am not sure if I was more troubled by his assumption that I was only there for the free internet use, or to know that he really wasn't listening to me. I responded with "No, thank you. I actually have a question." After hearing that, he put the internet pass back on the desk and asked me to hold on while he finishes something on the computer. I was fine with waiting another moment, so I went to browse materials on a book cart nearby. I wanted to stay near enough that he wouldn't forget about me but far enough away that I wasn't hovering over him. After about 7 minutes, I returned to the desk to try again, and you wouldn't believe what he did -he offered me the internet pass all over again! It took him a minute to realize that we've danced this dance before, and just as I was about to ask my RA question the female reference librarian intercepted and asked if there was anything she could help with.
Finding text appeal:
With the way the previous RA interview was going, I was relieved to receive anyone's help at that point. And he seemed relieved to pass me off to her, so I gladly accepted. She began the interview by asking if there was something specific that I was looking for. I offered the vague response, "a good book to read," then she drummed up a series of investigative questions to figure out what that meant to me.
I appreciated her cheerful disposition and eagerness to help me. I also appreciated the fact that she was roving the floor instead of hiding behind a desk or a computer screen. As she was asking the questions, she walked me through the collection, pulled titles off the shelf, and flipped through the pages to let me see excerpts from the book. She was very attentive. I could tell when I said something to trigger a new search, because she had me follow her to another section of the collection and pulled titles again.
During RA interview, I exhibited interest in both fiction and nonfiction materials. Once I saw she was comfortable with suggesting fiction novels, I asked for nonfiction "self help" materials. I was intentionally vague about what I wanted and only answered the questions she asked me. Our entire interview was conducted on the floor, as we browsed the collection for a "good book."
What she covered:
The librarian asked me if I was interested in reading a fiction novel or nonfiction, then took me to a section that was organized by genre and browsed with me; pointing out authors that most people enjoy.
I believe that because I asked for a "good book" she only showed me materials in book format. Although she did mention that the book I recently read comes from a series of 18 titles and the very first title was made into a movie that is now playing in the box office.
She suggested authors who used the same writing style as the writer of the book I just read. She noticed that the book I read most recently was part of a series and that the author used consistent characters throughout the series and a play on numerical order for the titles. From that information, she showed me an author who uses a similar style and titles each book in her series with a letter of the alphabet. When she realized that didn't appeal to me, she moved on to something else.
I told her that I enjoyed how the story was told from the main character's point of view, so she showed me other books in that genre that exhibited that point of view.
She asked me if I liked how the main character was solving a mystery and I told her that I was more into the relationships she maintained throughout the story.
It was interesting the way the reference librarian used mood when searching the nonfiction materials. When I asked her about finding self-help materials in the collection, she asked me what type of self-help I was looking for. She asked if I was looking for something inspirational or psychological. By inspirational she meant religions and once I told her that I didn't want religious based books, she showed me to the books written by psychologists.
She asked if there was a particular type of self-help, I was looking for. I told her the name of an author someone suggested I look up. I could tell "self-help" was a genre that she was not as familiar with, so we went back to the reference desks and she did a catalog search on the computer. She found two titles from that author in the system and took me to the section where the books were. She flipped through the book to see if it was something I liked, and pulled other titles that were in close proximity. She suggested that I take a moment to look through the books we collected so far, showed me to the seating area, and told me to tell her if I want her to look for more.
What didn't she cover:
I was a little disappointed that she didn't ask my level of comfort with the violence and sexuality in a book. She may have assumed that I was fine with it since I didn't complain about how much sex and violence was in the novel I recently read.
She didn't mention book length during our interview. Nor did she ask how I felt about the pacing. Had she asked, I would have told her that I enjoyed the way the fiction author lingered on the thoughts and feelings of the main character throughout the story. I felt like sharing that would have opened up the interview to more suggested books, but I really wanted her to get me to say that.
My Observation:
Compared with the "TO-DO and NOT-TO-DO LIST for READERS' ADVISERS" chart in Ross's article, "The Readers' Advisory Interview," this librarian did fairly well with the interview. She did not refer me to the OPAC, or start with the OPAC to answer my questions. She knew her collection well enough to make suggestions before resorting to an RA tool. I was impressed with how she took time to flip through the book with me, rather than do a title search and hope for the best! When introducing a new author she asked questions like "have you read…" and "would you like to read more about…". I felt like she was really listening to my responses. It was helpful to have her talk to me while she searched for more. The moment I reveled a little more information, she was prepared to move to another set of books. She told me what other readers, of books like the ones she showed me, also read. And most of all she did not assume that she couldn't help me with nonfiction self-help. I could tell the query slowed her down a little bit and caused her to use the RA tools, but she was just as eager and helpful as she was with the fiction materials.
I noticed that she asked many questions about the book I recently read. Although I've never read books by the authors she suggested, I look forward to exploring those materials. Due to the nature of the assignment, I did not checkout any of the books we found that morning. However, I was quite satisfied with the materials this Readers' Advisor was able to produce during my secret shopping adventure.
-A Teaching Librarian


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Abandoned Ghost House Escape Game
Abandoned Ghost House Escape is an awesome new point and click scary house escape game produced by Nsr Games for an adventure through a place not for the faint of heart!
You have ventured into a house with many doors today, just for fun and a little bit of thrill from time to time. But for the likes of you however, it wasn't a pretty good experience at all! For the place is actually abandoned and filled with spooky creatures of the night! Oh gosh, it looks like they are not out to get you, but you thought if you make too much noise then they'd probably notice you and come at you which you wouldn't like at all!
Okay now, you have brought yourself into this place and as a logical solution, you have to get yourself out as well. Find anything that can help you escape out of this place, like some keys or anything that can allow you to open the doors and leave. Try to ignore the creatures here, for if you keep noticing them, then you'll probably never escape out of bad situation ever! Good luck and have loads of fun through our games here in the site!
This game is from Nsr Games.
Walkthrough for Abandoned Ghost House Escape
Are you currently on some problem solving this game here? You might want to try the video below as a huge hint to the game.


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The paraboloid formed on the surface of a rotating fish tank is beautiful, and presents a fascinating example of Einstein's Equivalence Principle.Read More
Teachers told us the most important features they wanted in video analysis. We listened, and we built it. Students can take video straight from a cellphone into Pivot Interactives, and then do their analysis using iPad, Chromebook, Windows or Mac. New calibration tools make it a snap to calibrate the rulers to match the video.Read More
I am always searching for innovative ways to incorporate rich lab experiences that make every minute count. Using Pivot Interactives this year, I've found that I am actually adding more lab experiences to my curriculum. What a welcome change to constantly paring down!Read More
When teaching students about conservation of mass during chemical reactions, it is challenging to show the changes in the mass of the reactants and the overall system mass. Here are some suggestions to help you create activities that let students explore mass changes during chemical reactions.Read More
We know that budgets vary widely from school to school, and in many cases teachers don't have access to funding to purchase subscriptions to Pivot Interactives. But we've heard from teachers who have been successful in finding funding to use Pivot Interactives. The purpose of this posting is to share these ideas in hopes that they'll be helpful to other teachers.Read More
When we began developing our new chemistry content, we knew we'd need a team of experienced and innovative chemistry teachers to help test and refine new ideas and methods. Being not wholly unfamiliar with the notion of paying for people to be our friends, we convened the Pivot Interactives Chemistry Teacher Fellows program. Here's our 2018-19 cohort,Read More
Pivot Interactives can be used as an interactive web-based lab notebook for apparatus-based activities. Teachers can create activities in Pivot Interactives that guide students through these lab activities, and allow students to create their lab report within the activity.Read More
While some of the activities in Pivot Interactives are intended to be in-depth explorations or model-discovery activities, others are meant for short in-class activities where students apply a physics concept to a concrete example. These are a valuable part of my teaching tool kit: several times per week students will work on an activity like this as an alternative to a word problem. Here are some examples.Read More
We're developing a method using Pivot Interactives that retains the open-ended discovery aspects of inquiry-based labs, and focuses instructional time on the parts students find most challenging: experimental design and data analysis/model discovery.Read More
When we began working with interactive video, we imagined it would be best suited for physics. Now, as we launch our new chemistry content, we wonder whether interactive video is even better suited to chemistry than it is to physics. Here are the unique affordances of using interactive video for chemistry:Read More


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"Women Are Partly To Blame for Showbiz Sex Scandal" says Sir Ian McKellen
When someone who has been around the block a few times offers you some real insight based on experience, it's best to listen.
Superstar Sir Ian McKellen, known best by Americans for his roles as Gandalf and Magneto, has spoken out about the sex scandal in film and theater, claiming women are partly responsible because some tell directors they'll sleep with them to win roles, reports the Daily Mail.
Trending: 95% of Ocean Plastic Pollution Comes From 10 Rivers, NONE From America #Environment #plastic #pollution
'People must be called out and it's sometimes very difficult for victims to do that,' the Lord Of The Rings star said in a talk at the Oxford Union recently.
'I hope we're going through a period that will help to eradicate it altogether. But from my own experience, when I was starting acting in the early Sixties, the director of the theatre I was working at showed me some photographs he got from women who were wanting jobs. . . some of them had at the bottom of their photograph 'DRR' — directors' rights respected. In other words, if you give me a job, you can have sex with me.
'That was commonplace from people who proposed that they should be a victim. Madness. People have taken advantage of that and encouraged it and it absolutely will not do.'
Even though he supports any actual victims coming forward, the six-time Olivier Award-winner, 78, admitted he's worried about the impact of wrongful accusations, adding:
'I assume nothing but good will come out of these revelations, even though some people get wrongly accused — there's that side of it as well.'
Even though he worked briefly with serial pervert Kevin Spacey in 2004, he was disgusted at the timing in which Spacey chose to reveal his homosexuality, and said that Spacey's sex with underage boys will not pass.
'The circumstances in which he chose to do it are reprehensible because it linked alleged underage sex with a declaration of sexuality.'
Mr Americana, Overpasses News Desk
December 19th, 2017
Tell us what you think in comments below!


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Don't Miss It! – Indigenous 150+ Offers All Ages A Pwyc – Pay What You Can – Film Screening in Niagara Falls, Ontario
- Wednesday, August 30th at Seneca Queen Theatre on 4624 Queen Street in downtown Niagara Falls, Ontario. Doors Open 6:30 p.m., Screening begins at 7 p.m.
- Branden Emmerson, a Niagara area resident and water protector who spend more than five months at Standing Rock, will be in attendance.
- Traditional Opening and Welcome from Senator Garry Laframboise, Métis Nation of Ontario
- Phil Davis of Six Nations Mohawk Turtle Clan, drum keeper for the Ohniakara Singers
A Q&A panel to date – Moderator: Kanadoha (Jennifer) Dockstader, Oneida of the Thames, Bear Clan, Executive Director, Fort Erie Native Friendship Centre (FENFC)
– Also featuring Brendan Emmerson, Niagara area resident and water protector who spent months at the Standing Rock camp in North Dakota to block construction of the Dakota Access Pipeline
A Screening of Sacred Water: Standing Rock Part 1 – a compelling eight part documentary series called RISE for Viceland showcasing the global Indigenous movement across the Americas which are rising up to protect their ancestral homelands and the environment.
Sacred Water is a timely look at Indigenous activism and the impacts of colonization showcasing candid interviews, historical context~and a moving soundtrack. This film delivers profound insight into the struggles around protecting sacred lands and waters which are happening in many places today.
To view a trailer for the documentary, click on the following screen –
A Message from Brendan Emmerson about the screening of the film Sacred Water and the evening's consversation –
"This is an important event because it creates an open dialogue and give us an opportunity to understand each community and their perspectives. It is through these discussions that we are able to achieve a true reconciliation.
"Why I work as a water protector is because this is an issue that affects all communities and all life. In our tradition the women are the water carriers and the teachers of our water lessons and our water songs. To protect the water we not only protect women we are protecting mother earth.
"News of Standing Rock reached far and our actions to protect the water resounded with people from around the world and it was really humbling that so many people came from not just North America, Canada or Mexico but from around the world to stand with us. It was very humbling."
A few more Messages from Significant Others –
"It's time that the rest of Canada gets to know the First Peoples. We are here all together and it's time to share and identify what we have in common." – Senator Ralph Wolf Thistle, Great Lake Métis Council
"Our original instructions from Creator are to be stewards of the land. We hold this responsibility through all time and for all time. We hold this for all living beings and all life on Turtle Island. This law is sacred to us and not subject to Man's Law. We must fulfill our Creator given responsibility." – Kanadoha (Jennifer) Dockstader, Oneida of the Thames, Bear Clan
The Seneca Queen Theatre is located on the traditional territory of Anishinaabeg, Ojibway/Chippewa(Anishinaabeg/Anishinaabek/Anishnabek/Anishnaabeg refers to Ojibway, Odawa, Algonquin, Potawatomi, Nipissing, Mississaugas, Saulteau, and all the Algonkian/Ojibwa Nations) and Haudenosaunee (Mohawk, Oneida, Onondaga, Cayuga, Seneca and Tuscarora Nations) peoples.
This territory is covered by the Upper Canada Treaties.
For this event, parking is complimentary in the Niagara Municipal lot in behind the theatre; with complimentary street parking also available during the evening after 5 p.m./ramps and wheelchair accessible washrooms are available.
INDIGENOUS 150+ is an indigenous film series dedicated to showcasing Indigenous films and artists, using story-telling and cinema as a vehicle for reconciliation. In recognition of support from the City of Niagara Falls under the Niagara Falls Cultural Development Fund (NFCDF) program, the Ontario Arts Council and Good Influence Films.
The event is being co-produced by Planet3 Communications Ltd./Joanne Smale and Good Influence Films/JoAnne Fishburn – whose overall vision made Indigenous 150+ a reality. This initiative grew out of a response to the Truth and Reconciliation Calls to Action and is a response to help educate Canadians and build relationships. The screenings are in association with the Fort Erie Native Friendship Centre and the Niagara Regional Native Centre.
INDIGENOUS 150+ honour First Nations, Inuit and Métis culture, history and teachings contributing to a movement to put Indigenous voices centre stage and to recognize that Canada's heritage is much greater than one hundred and fifty years. The initiative launched on June 22nd in Owen Sound with screenings also being planned in other cities including Blue Mountain Village (Aug 19/20) in Ontario, and Lethbridge and Canmore in Alberta to date.
Fore more information, click on – https://www.facebook.com/events/1714465658862256
NIAGARA AT LARGE encourages you to join the conversation by sharing your views on this post in the space below the Bernie quote.
A reminder that we only post comments by individuals who also share their first and last names.
For more news and commentary from Niagara At Large – an independent, alternative voice for our greater bi-national Niagara region – become a regular visitor and subscriber to NAL at www.niagaraatlarge.com .


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Across Europe, inventive apps that use open repayment platforms are gaining traction, which is revolutionising money management approaches from a product to value-based focus. Also, the GDPR and PSD2 will shake up how financial services manage security and privacy. For banks, this means a profound overhaul of their marketing strategies.
The GDPR and PSD2 will take the financial world by storm and seem at odds with one another; but actually, they serve the purpose of putting your customers first. These two new regulations will majorly impact how customer data is handled, with the GDPR ushering in more controlled rules regarding data storage and usage, while the PSD2 requires banks to open up their databases. But it isn't necessarily something to frown at; in fact, benefits are abound with this changing landscape. Financial Services can use this to their advantage and there are some inspirational examples we would like to share.
GDPR: protecting your customer data with technology
In our conversations with banks, we have encountered a strong drive to comply with the GDPR and to put the customers in the driver's seat regarding their own data. Many have asked us to help with protecting customer data and taking a frugal approach to data collection.
A concrete wish from one of our clients was to strip down unnecessary third-party trackers on their website without trading off the benefits of customer experience and marketing abilities. Our data management solution was able to close the loop by giving the data control back to the client, and consequently, to the customers too. While this example only covers the bank's own website, it is important to stress that customer data control needs to cover all data sources, including those from business partners. And yes, this is possible, and we are able to meet these needs and requirements too.
We strongly believe that technology plays an important role in addressing the paradox of protection and transparency efficiently while also delivering the exact services customers want. By now, the customers have spoken and are empowered by regulations – are you willing to listen? Can you afford not to?
PSD2: embracing open APIs for customer-centricity
Application Programme Interfaces (APIs) are tools used to build application software, and as you can imagine, are traditionally heavily guarded due to their proprietary nature. However, the PSD2 obligates banks to open their APIs, which is revolutionary and disruptive to traditional banks. But cooperations between different partners allows for a wider scope of customer service, thus shifting the focus from bank-centric to customer-centric.
A fine example of a bank shifting away from traditional money management approaches is our client ABN AMRO. Their progressive Tikkie App is a value-based open repayment platform that lets its users send and receive payments through Whatsapp, regardless of who they bank with. This cooperation between Whatsapp and various payment providers sets the tone for a change in attitude towards open APIs, which is required if banks want to extend their services beyond their own business silos.
Thinking outside of your own customers and widening your reach to a broader audience is the type of forward-thinking that'll keep your bank thriving. With this agile and adaptive mindset from ABN AMRO, they prove to be responsive to change while leveraging the trust they've built as a reliable financial institution. Not only have they cooperated with a trusted partner to bring a convenient payment service to people across different banks, but they've even managed to make it free for all users. This customer-centric attitude is made possible with the PSD2's bold change in how APIs are used.
A protected and connected customer ecosystem for safe and seamless journeys
In this new financial age, there is a need for banks to think outside of the box and to be able to deliver on the GDPR and PSD2 requirements – protecting and connecting at the same time. In doing so, banks make the right move towards gratifying their customers and guiding them towards a relevant and personalised experience and, in effect, put customers first.
Your customers rely on you to protect their data and to meet their needs on their journey with you and your partners. Ironically, managing data is key in delivering this customer-first challenge, successfully. It's evident that the bank of the past is not the bank of the future – while they once held the sole purpose of storing money, banks of today and tomorrow need to broaden their horizons and focus on delivering safe and protected customer experiences across all available channels.
Want to learn more about how Relay42's solution can help you address the upcoming paradox in financial services? Take a look at our guide on reaching beyond business silos with more inspiration for jumpstarting the GDPR and PSD2 era.


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March 2, 2016
December 22, 2015
Local business owner Sal Gaetano teamed up with Mennies Elementary School this season to bring twenty boxes of good food and holiday cheer to those less fortunate in the Vineland area.
Gaetano, owner of Franklin Insurance Adjusters, reached out to Rita Santoro, 5th grade teacher at Mennies, in an effort to partner together and "adopt" as many families to feed as possible. During the holiday season, Gaetano ran a campaign where a percentage of the profits received from insurance claims was donated to purchasing food that would be distributed to twenty pre-selected families from the school.
Gaetano noted that he originally got the idea for the food drive from his daughter Nicole, now a senior, who noticed students sneaking parts of their lunch to take home for dinner.
"She approached me and asked what we could do to help," said Gaetano.
This is the fifth year food has been collected, but the first that Gaetano has partnered with Mennies.
"The families were very grateful," said Santoro. "We're so happy Sal decided to partner with our school. This really was a group effort."
"It's worth it just to see the smiles on their faces," said Gaetano.
Gaetano also pointed out that the entire event wouldn't have been as successful as it was without the help of Santoro.
"She made this into what it is," he said. "She shopped, decorated, packaged the boxes, and got the families here. Normally we just drop the boxes off, but this is wonderful. I'm very happy with the way everything turned out."
Click the following link for a photo gallery from the event:
Submitted on 2015/12/23 at 7:11 am
Hello Mr. Gaetano,
I just wanted to say thank you for the care package you and your children were so kind to give our family and all the families you helped out this Holiday season. We deeply appreciate all your efforts in donating to the needy. We wish you a MERRY CHRISTMAS and a Happy New Year! ??? May God Bless you and yours.?
November 9, 2015
It is this time of year when we all get together with our family and friends to share in good times and give from the heart. However, for some it is not a reality due to circumstances beyond their control. Thus we started a campaign to deliver food to those in need. This year we have partnered with a local school here in Vineland, NJ and will donate a portion of our proceeds from every assignment/file received from today through December 11, 2015 towards the purchase of food baskets. If you feel moved to donate, please reach out to me for details. Our goal this year is to feed 20 families.
October 6, 2015
A special thanks to Sal and Katharine from Franklin Insurance Adjusters for supporting us today in our trip to fix lunch and bake brownies at the Ronald McDonald House in Durham.
– Gwendolyn Howes, AIC | Claims Specialist| The Redwoods Group
12:03 a.m. EDT September 7, 2014
VINELAND – Spirit & Truth Ministries, a local nonprofit that feeds Vineland's low-income and homeless population, recently reached out with a plea for a vehicle to replace its 12-year-old van, which was in a state of disrepair. A van is needed to pick up food and supplies for the daily hot and bagged lunches the ministry provides.
Bob Novick Auto Mall, Romano Instant Document Destruction, Franklin Insurance Adjusters and Foundry Service Corp. joined together to answer the request, and on Aug. 18 they presented the keys for a Kia Sedona to Spirit & Truth's kitchen manager, Pam Carman.
"The work that Spirit & Truth does on a daily basis to assist the less fortunate is admirable, and we at Bob Novick Auto Mall were pleased to come to their aid," said Debby Novick, the car dealership's general manager.
Carman added: "The work I do is my way of giving back, and I am so thankful for the generosity shown by Debby (Novick), Matt (Milam), Sal (Gaetano) and Bryan (Romano) in helping me accomplish my job."
Spirit & Truth Ministries is a multi-denominational Christian organization devoted to working in conjunction with the community and local churches in an effort to provide food assistance to the city's low-income and homeless populations. It provides hot lunches Mondays through Thursdays, a bagged lunch on Fridays, and three community holiday meals to its clients.
For information about making a donation or volunteering for Spirit & Truth Ministries, call Executive Director Holly B. Gove at (856) 692-2603.


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Breanna Cranford, Timothy Ellison, Javier Fernandez win 'WWE: The Ultimate Poster Collection' book
Breanna Cranford of Tucker, Ga.; Timothy Ellison of Monroe, Mi.; and Javier Fernandez of Miami each won the book WWE: The Ultimate Poster Collection.
The greatest superstars, divas and events in WWE history come to life in WWE: The Ultimate Poster Collection (Insight Editions / $24.99 / March 2015), featuring 40 removable posters spanning more than 50 years of WWE performers.
Inspired by WWE WrestleMania Week, to become a nominee to win a free copy of WWE: The Ultimate Poster Collection, fans emailed their favorite WrestleMania and why. Three contest winners were selected by random drawing.
What the winners wrote:
Breanna Cranford: "My favorite WrestleMania so far would have to be WrestleMania 23 on April 1,2007 in my hometown Detroit, Michigan at Ford Field. This was a very special event for me because it was my very first Wrestlemania. I got the tickets as a Christmas gift,and I cried my eyes out. My mom and aunt had this all planned out for my cousin and I for Mania week. Since my cousins birthday was March 29th, my mom decided to spoil us. We spent the entire weekend just hanging with wrestlers. We went to Stone Cold Steve Austin's movie premiere of 'The Condemned' with all of the Superstars and Divas. It was AMAZING. We also went bowling with superstars like Rey Mysterio, Bobby Lashley, the Highlanders, Jamie Noble, Victoria, and more. I got my photo taken with a bunch of them and cried when Rey pulled me in for a hug.
"During the weekend, just at regular places, we saw a bunch of superstars like at the mall and out for dinner. That sunday I went with a bunch of my family to the greatest event ever. The Money in the Bank ladder match was AMAZING. When Jeff Hardy jumped off of the ladder onto another ladder that had Edge laying across it, we all cringed but screamed. All the RKOs Randy delivered had us booing and cheering. When Mr. Kennedy won, the boos in the arena were crazy loud. I loved seeing all the divas. When Mr. McMahon got his head shaved, it was awesome to see live. Matches like Batista vs. Undertaker and Cena vs. Michaels showed me why I loved wrestling so much and gave me a reason to keep watching. I still watch that WrestleMania every now and then just saying to myself, 'Wow, I was there.'"
Timothy Ellison: "My favorite WrestleMania would have to be 'WrestleMania 30.' The matches of Daniel Bryan vs. The King of Kings Triple H; not only did Triple H basically destroy Daniel Bryan during the match, as Daniel Bryan picks up the victory, the punishement wasn't over for Daniel Bryan as he was attacked by Stephanie and again by the Game with a steel chair after the match.
"As Daniel Bryan moves on to the Triple Threat match against Champion Randy Orton and Batista for the World Heavy Weight Championship, as the match was nothing more than ruthless agresssion, The underdog Daniel Bryan would come out on top and become the World Heavyweight Champion.
"That was a good and a bad year for Daniel Bryan, as he got injured and his title was taken from him and no rematch was given to him, lost his father and the inspirational Connor Michalek, but got married to WWE Diva Brie Bella. Shorlty after recovering from surgrey, Daniel Bryan's home in Phonex was burgalized as D. Bryan was coming home and captured one of the suspects and put him in a rear naked choke untill cops came.
"So this would have to be my favorite WrestleMania of all time. YES! YES! YES! YES! YES!"
Javier Fernandez: "My favorite WrestleMania is...Wrestlemania XXX in New Orleans. Maybe I'm a little biased because I was at the Mercedes Benz Silverdome err-- Superdome on that magical night where the 'Yes Movement' had its big payoff moment. The night kicked off with a bang when just after the smoke settled from the opening pyrotechnics the host of WrestleMania was introduced, Hulk Hogan. As the Hulkster was in the middle of delivering his verbal Big Boot and Atomic Leg Drop, the sound of shattering glass fills the dome. Stone Cold and Hulk Hogan in the same ring? At Wrestlemania? This can't get any better.
"Do you smell what The Rock is cooking?
"Oh yes I can. With a lump in my throat and holding back tears, I couldn't believe what I was witnessing. Never in my life have I said, 'This is awesome,' and meant it as much as I do now. Before I could even soak it in, my three childhood/adulthood heroes delivered their catchphrases and downed a few beers.
"After that, I could've left happy. My face hurt from smiling so much. But we're only 15 minutes in. Then the lights go out and the dome fills with green lasers beams. It's time to play the game. Triple H never disappoints when it comes to WrestleMania entrances. And this one was his best yet. The bell rings, and we're ready for action. Daniel Bryan and Triple H put together a 30-minute masterpiece with the Flying Goat thrusting his two fingers in the air in victory. Cena and Bray told a wonderful story in the ring as only they can. Cesaro hoists 500-pound Big Show over his head and tosses him over the top rope. And then the unthinkable happened: The Beast Incarnate named Brock Lesnar shocks the world and ends the streak. It's still hard for me to talk about it. *tear*
"The main event saw Daniel Bryan defy all odds and defeat Randy Orton and Batista to win the WWE World Heavyweight Championship. The sight of 75,000 people with their hands in the air chanting 'YES! YES! YES!' in unison is something I will never forget and hope to tell my children about someday."
About WWE: The Ultimate Poster Collection
The electrifying action of professional wrestling with classic and contemporary artwork in WWE: The Ultimate Poster Collection depict events such as WrestleMania, SummerSlam, Royal Rumble, and more, as well as images of WWE's most iconic talent, including Ultimate Warrior, Hulk Hogan, Stone Cold Steve Austin, The Rock, John Cena, Triple H, Daniel Bryan, AJ Lee and more.
Trace the evolution of WWE and sports entertainment through artwork, from old school "wrestling cards" to the vibrancy of the 1980s "boom" period, from the gritty look of the Attitude Era to modern, world-class artwork showcasing today's WWE. An indispensable compilation of forty high-quality removable posters, this ultimate collectible is a must-have for wrestling fans of every generation.
The publication of WWE: The Ultimate Poster Collection was timed to coincide with WrestleMania 31 in Santa Clara, Calif. The book will be advertised and available at other WWE events throughout the year, including Raw and SummerSlam—each an opportunity for fans to get their favorite posters signed by their favorite superstars and divas.
YouTube jim varsallone (jimmyv3 channel)


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HGI are the Lead System Architect of competitive technical power solutions. Continually faced with increasingly complex solution challenges
from a variety of industry segments that share common traits for mission critical power systems.
HGI`s reputation in energy security and continuity is built on trust
HGI have forged a solid reputation within industry as a result of high-performing products that ensure operational efficiency and power resilience in extreme environmental conditions posed within defence, telecoms and rail sectors.
The companies overarching goal is to provide competitive technical power solutions. HGI excel in supplying unrivalled power products that deliver essential power, while maximising customer's investment.
HGI`s products lay at the heart of:
- Communications, command and control systems
- Mission services and support
- Protection and mission / combat systems
- Surveillance, detection and intelligence systems
- Training & Simulation
- Reconnaissance, Surveillance, Targeting Acquisition (RSTA)
Using in house expertise in these areas, HGI develop prime power and standby power products to interact seamlessly with others.HGI maintain a competitive advantage by acting as design authority in complex and critical power projects, by continual developing and customising technical solutions while utilising appropriate engineering processes. Continual research into emerging technologies and assessing applications within new and existing products ensures an unrivalled innovative product range.
HGI develops strong partnerships with platform manufacturers in order to propose an optimised, solution .Platforms and vehicles are increasingly sophisticated and tighter budget constraints are driving a new modular approach in manufacturing by taking standard products and adapting sets quickly and efficiently to meet customers' demands.
The MOD and industry audited manufacturing facilities demonstrate commitment to quality. Operating paralleled lean production lines ensures superior product quality and enables a quick response to urgent operational requirements. With a core belief that working in highly skilled cross functional teams makes the company more creative and productive when faced with a challenging new task and ensures every product shares the same DNA.
HGI capabilities extend from the supply of product/mission packages, to full system integration with existing legacy equipment and platforms according to the customers' needs together with support services.Our power systems are a Key component within
- C4ISR: Computerised Command, Control, Communications, Intelligence, Surveillance and Reconnaissance Allowing the entire chain of command to take advantage of all-source intelligence rapidly, to inform commanders on time with relevant content, to share a common tactical picture, to support decision making, to disseminate commander's intent, to synchronise operations, day and night, in all-weather conditions,
- Cross border security Our solutions allow our tier one clients to efficiently monitor borderlines, improve reaction time from detection to interception, match the diversity of threat natures and levels and optimise deployment and usage of the different human and technical resources.
- Telecoms / resilience power systems Our power enables the ability to obtain, gather, process and distribute information effectively which is key to gaining and maintaining our countries operational efficiency.
- Military Land operations are quickly evolving, and land forces need new information, communications and operational tools. HGI supplies the power systems that help the world's most demanding land forces to gain and to maintain operational superiority.
- Rail As one of the few generator manufacturers in the UK carrying Network Rail approvals, HGI is in a unique position to meet the need for safe, solid and reliable equipment, designed and built to withstand the demands and dynamics of the rail environment both on-board and trackside. We have closely partnered the UK's rail infrastructure managers and maintainers to provide generators, distribution equipment and warning systems designed to make life easier and safer for the user to promote availability of the route and associated assets. With 93% of Network Rails infrastructure fleet carrying HGI power on board which is currently powering a £38 billion programme of upgrades to the network.
- BSDG black start The process of restoring an electric power station or a part of an electric grid to operation without relying on the external transmission network. During a wide-area outage, off-site power supply from the grid will not be available. In the absence of grid power, a HGI BSDG set is used to bootstrap the power grid into operation. The sets are used to start larger generators (of several megawatts capacity), which in turn are used to start the main power station generators.


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Greatly reduced numbers of ideologues at this years' 'climate March, parading themselves for the boondoggle in Paris. Thankfully, people are waking up to the ideology that includes their hands in your wallet.
Massive turnout of 500+ from The Greens (WA) at the #peoplesclimatemarch in Perth today!
(Update, Just like adjusting the data, now it's 8ooo suckers: Simone Van Hattem added a new photo to People's Climate March – Perth's Timeline. Very impressive Perth, 8000 of you is the official number!! #peoplesclimate)
Massive? that's a laugh, but then those words were written by a Green Senator. In Broome, all the usual culprits were there:
You see, marchers, global warming hasn't happened for the last 2 decades, what makes you think CO2 has anything to do with it. CO2 on the rise, temperatures steady. The last Century's warming is the result of leaving the little ice age behind. Warming is beneficial for life, along with a lot more CO2. Jonova, with her introduction to Dr David Evans' new papers:
We are back in the hunt for the main mystery drivers of our climate. The IPCC says it can't be the Sun because the total amount of sunlight barely changes. Which is the usual half-truth that pretends the Sun is simple a ball of fire with no magnetic field, no solar wind, and has no changes in the "color" of the spectrum it emits. But the Sun has a massive fluxing magnetic field that turns itself inside out and upside down regularly, it churns off a stream of charged particles that rain on Earth, and if human eyes could see infra red and UV, we'd see the color of the Sun change through the cycle. We are only just beginning to figure out how these aspects affect the climate. But we know these factors influence ozone, probably cloud seeding, and possibly jet streams.
The only good long data we have on the Sun are the sunspots, which give us a reasonable idea of total sunlight since 1610. David uses Fourier maths to find the way that total solar irradiance (TSI) might relate to temperatures on Earth. TSI itself barely changes, so it could only have caused about 10% of the variation of Earth's temperature since 1900 (if the official temperature records are to be believed). But it's the main clue we've got to figure out how other parts of the solar dynamo may be changing the weather here on Earth.
The most likely mechanism is through cloud cover, which covers 60% of the Earth and reflects 30% of the incoming energy. And small change will make a big difference. David's model looks for externally driven changes to albedo, which means forces other than surface warming that influence our clouds. The IPCC assumes this doesn't happen. What can I say? Their models don't work. […]
Burn more gas.


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Price: HK$104
Local of Purchase: Sasa
According to the package:
Give your skin the benefit of the most comprehensive skin care therapies currently available.
Gowoonsesang is the no. 1 cosmeceutical brand in Korea which established by 8 medical doctores, 33 dermatologists, 80 nurses and 100 medical estheticians with abundant clinical experiences of treating over 400,000 patients since 1998.
Containing hydrophilic and lipophilic ingredients recognized for their ability to support you, each of these unique formulations works on a cellular level to help face skin achieve and mantain a clearer, healthier look.
Discover a program of complete care for the face based on innovative research and proven science.
Wet cotton swab or pad with small amount .
Apply only on the troubled spot and tap for penetration.
The product can cause irritation on sensitive skin when excess amount is used. Avoid sensitive eye area.
Ingredients: Alcohol, Melaleuca Alternifollia (Tea Tree) Leaf Oil, Salicylic Acid, Triclosan, Sodium Citrate, Benzophenone-3, CI 19140, CI42090
My Opinion:
I've always have problems with clogged pores, and in order to combat this issue I have to be very diligent with my skin care regime. I need a deep cleanse mask at least twice a week and sometimes three times, but what's needed is not always what you are getting, and honestly I'm lucky if I have the time to have a deep cleanse mask once a week....
I've always knew that BHA penetrates into the skin and helps unclogged pores, but I never came across any BHA products locally, but that is because I never knew that salicylic acid is another name for BHA.
Anyway, I got this and have been using it as a toner once a day all over my face, this stuffs smells awfull and it stings like hell, but it works.
It has cleared out my skin and it has never worked this good, I've finished my bottle in 3 weeks and already bough a new one.
Recently I've been reading that triclosan is actually bad for you so I've been restricting myself to only using it once a week, and I'm already looking for other BHA products without Triclosan.


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Reviewed by Noah W. (age 7)
My favorite part is when Hank improves his grades and gets to have a dog because it's awesome. My favorite character is Hank because he's hilarious. This story relates to my life because I have pets. There are a few pictures, but the pictures helped tell the story and helped me understand the words.
I think others should read the book because the book is entertaining. It is also hilarious and outstanding.


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The Board of Oslo Børs approves Norwegian Finans Holding for listingMarkets, Stock Markets — By admin on June 15, 2016 at 11:30 AM
15/06/2016 – At its meeting on 15 June 2016, the Board of Directors of Oslo Børs resolved to admit the shares in Norwegian Finans Holding ASA to listing on Oslo Børs.
The Board authorised the Chief Executive Officer of Oslo Børs to fix the date of the first day of listing, which is to be no later than 29 July 2016.
About Norwegian Finans Holding:
Norwegian Finans Holding ASA owns 100% of the shares in Bank Norwegian AS. Bank Norwegian offers consumer loans, credit cards and deposit accounts to retail customers distributed through the Internet in the Nordic market. The bank started operations in Sweden in May 2013. In December 2015, the bank launched operations in Denmark and Finland.


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There are so many different types of wheels to choose from in the roller derby world, but which ones should you go for? There are several factors to consider when you are choosing your wheels, your weight, how much grip you want, your skating style and preferences.
We've written a short guide to help you pick your wheels.
your weight
A light skater will need softer wheels to get the same level of grip as a heavier person. If you are a heavy person on soft wheels, you will feel like you are stuck in the mud. This is because the rubber is flexing too much and gripping when you don't need it to.
Softer wheels are more grippy, and because of this will not loose as much traction on the corners or on your stride. If your wheels are too hard for you, you will notice some of your energy being soaked up just to keep the skates from slipping when accelerating or on bends. Softer wheels will also give you more control and be more reactive. A harder wheel will roll faster and slide more easily. This doesn't mean you will get around the track faster though – it takes allot of effort to hold on the bends if your wheels are too hard and you wont be able to trust the grip when doing sudden sharp maneuvers that are expected in Roller Derby.
A narrower wheel will allow you to cut and change direction much more easily than a wide wheel, as well as rolling faster. Because they are more agile , they will make your maneuvers easier too. If you choose a narrower wheel you will need to go softer to make up for the lost grip of having less surface area on the ground .
Wider wheels will feel more stable, more surface area touching the ground will result in more grip , so you will want a slightly harder wheel if you are coming from a slim set.
A smaller 59mm wheel will accelerate better and feel more stable. A larger 62- 65mm wheel will offer more high end speed.
Roller Derby wheels are usually sold in 59mm or 62mm. There really is not much difference but it is noticeable to a experienced skater.
A light skater looking for agility and grip should aim between 84 and 88a , slim or slim and low.
A heavier skater looking for a bit more speed and stability should aim for 92a +, medium to wide width, 59 or 62mm
Our top three best sellers:
Atom poison wheels
An incredibly grippy wheel and our best seller by far, great for slippery surfaces and grip around the corners
Atom juke wheels
We sell a lot of these wheels, they are small, agile and a great all rounder. They are perfect for agility and acceleration. Less grippy than the Poison wheels.
RollerBones Day of the Dead wheels
A great all rounder, fast rolling and grippy, a quality wheel with a good reputation. Which wheels do you prefer to skate on? If you'd like to submit a review, please email us at firstname.lastname@example.com


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French Riviera Marco Polo Travel Guide - with pull out map (Marco Polo Spiral Travel Guides)By: Marco Polo (author)Paperback
Up to 2 WeeksUsually despatched within 2 weeks
DescriptionMarco Polo Spiral Guides are for travellers who have little time to prepare for a trip, don't want to miss anything, like to be inspired by great ideas for exciting days out and love all things ultra-practical and easy to use. Top 10 sights: From the top down to make it easy to prioritise! Don't miss: Each chapter highlights the absolute must-sees for each area.
About AuthorMarco Polo Travel Publishing offers a wide range of high quality cartographic products and travel guides. Marco Polo Pocket Guides are known for their handy, compact format and Insider Tips. Our Travel Handbooks are the first to include infographics and our Spiral Guides feature unique lay-flat spiral binding. Marco Polo Maps are famous for the high quality of cartography in their Country, City and Holiday Maps.
Product Details
- publication date: 11/01/2017
- Format: Paperback
- Number Of Pages: 196
Delivery Information
- Saver Delivery: Yes
- 1st Class Delivery: Yes
- Courier Delivery: Yes
- Store Delivery: Yes


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Improving the billing turnaround time, increasing the number of attorneys, cutting the expenses: All help the bottom line, but there are higher level issues that require as much or more of the financial attention.
The firm's success calls for going past counting the money to evaluating the data, optimising the profit margin, keeping the billing rates up, and getting rid of the year-end collection carnival. These apply to every firm, regardless of size.
1 Crunch the numbers
Start with an evaluative look at the financial reports. Use those numbers to see just where not just where the firm is but where it is going. Compare the current numbers to the firm's history and express them in terms of trends.
The numbers themselves aren't the end of the road. They lead to a view of what is happening and where changes need to be made.
Suppose there is a 5% increase in the revenues. It is easy to look at that and be happy about it. But look at the history of the revenues. If the money grew 6% last year and 8% the year before that, then 5% says the firm is actually on a downward trend.
Compare the revenues further to items such as the change in the attorney population. If the income is going up each year by an average of 4% but the numbers of attorneys is declining each year by an average of 5%, the revenue per lawyer is actually going down and the firm is slowly losing money.
Talk about what was going on in those earlier years and use the data to make decisions about ways to improve the financial picture. When data comes out of an accounting system, it needs to be turned into information.
2 Give the partners a realistic view
Keep the finances on track further by managing the partners' expectations of the profits. Show them how the numbers are faring throughout the year so they aren't struck with unanticipated bad news at the end of the year.
The partners will often accept bad news as long as it is not a surprise, there is a reason for it and there is a plan in place to manage it. What they won't accept is being ambushed at the end of the year with negative financial results that they were never warned about.
You should start the year off by outlining for the partners the year end possibilities: what the best case scenario could be, what the middle of the road expectations are and the lowest profits that can be expected.
In other words, "If collections are A at midyear, our bottom line will be B, if they are at X, our bottom line will be Y" and so on.
Then at every meeting show them how the actual numbers are falling in line with those three possibilities. Staying constantly aware of that's going on, they have no surprises to meet in December. What is more, the periodic checks give them opportunity and time to make changes.
Nobody wants bad news delivered right at the end of the year, particularly if it is completely unanticipated. Let that happen and expect a decrease in trust and an increase in ill will—toward the administrator.
3 Getting a better profit margin
Another necessary move the firm needs to make is to pass along as much work as possible to its associates and paralegals.
Most partners are reluctant to do that because they equate their own high billing rates to equally high profits. The concept that they can make more money on less revenue is foreign to them.
But with the heavy draws they take, the partners can be the least profitable service providers. It is the non-partners who are usually the most profitable because their cost to the firm is less. Staff the billing matters with associates and paralegals, as long as it is work that they can do, and the profits go up.
Let the partners focus on the work only they can do. One of those jobs is to generate more work and bring in new business. Let them do the rainmaking and let the associates and paralegals do the hourly work and the firm can see a significant increase in profit.
4 Don't lower those rates
Next is the question of billing rates. Don't drop them. There's a psychology to pricing. Clients see the price as indicative of quality.
Charging the lowest rate in the market devalues your service. Charge a high rate and the service suddenly becomes high value.
Lowering the fees to compete for the work also starts a domino effect in the legal community not unlike a price war. Lower prices don't help anybody's bottom line.
Raise the rates as high as the market will bear. The partners' response is apt to be, "Oh we can't raise our rates to our clients!" However, as long as the firm keeps its rates within the range of what others in the community are charging for the same service, there should be no problem.
What's more, some services are of such high value to clients that there is little price sensitivity if the firm is an industry leader in some area or was involved in the formulation of the law. There is no reason to set a moderate rate because the value of that service is higher. Raise the rate if necessary. You may be surprised how little pushback there is.
If someone does question the price, point out that the expertise makes it possible to deliver the service more expeditiously and more successfully. But never compete on the price.
5 Motivate with more than money
Then there's the question of how to keep the associates motivated and on board.
Again the firm needs to look beyond the numbers because while money is indeed a motivator, attorneys look for more.
They want prestige within the firm. They want the ability to take on risks they ordinarily would not be allowed to undertake. They want to be heard on issues. And they aren't above needing a pat on the back now and then.
Most attorneys says money isn't the leading reason they join a firm or leave for another position. If the salary is at the market rate, they are satisfied with it.
What drives them away? Things such as not getting the type of work they want to do, not having access to the partners not having direct client contact, and not getting positive feedback from the partners cause associates to leave.
Focus on these issues and periodically ask the attorneys if they are happy with their work and if the firm can do anything to help them succeed.
Punishing attorneys via compensation can be equally ineffective. If a partner is performing poorly, the goal obviously is to improve the performance. Without discussion and guidance, a pay cut will produce no more than a partner who is upset with the compensation committee.
6 Avoid the collection carnival
Then there is the issue of the year-end push to get money in the door. Many firms dedicate December almost entirely to collections, and often there is a game show mentality about it. Some forms have gone so far as to ring a bell in the lobby every time check comes in.
The year-end carnival is a mistake. There is nothing to celebrate because those accounts should already have been collected.
There is nothing to be proud of either. It's simply proof the firm hasn't focussed on the collections throughout the year as they should have.
What is worse, when December goes to collections, the month is a wash for billable hours and new business generation, which means there isn't much in the pipeline for January. The firm starts the new year without any money coming in and often winds up having to borrow money to make up for lack of cash flow.
Worse still, waiting until the end of the year to make the collection calls gives the clients too much leverage to demand discounts. They realize the firm wants to get paid something, and the logical response is "if you give me a 5% write-down on this, I might see my way clear to paying you now."
|Editor's picks:
Boost quarterly profits with this proven 6-pronged cost cutting plan
To see better profits, look harder at where money starts and ends
The top five reasons firms lose money and go out of business


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All of the products we offer employ light-weight, component-based architectures. Our individual products can be used as stand alone learning solutions or be integrated with other enterprise systems via standard Web services. Specific component tools from these products can be separated out and added to other Learning products in a mix-and-match format. Of course, our products can also be aggregated and combined to create a powerful, full-featured learning environment that can scale to meet institutional and organizational learning needs of every kind.
We understand how information/content needs to be created, tagged, stored, and accessed for dynamic product creation. As a result of our expertise, we are currently developing strategic content management projects in the following areas


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Kittens Game Walkthrough
Baton Rouge, La. – The Southern University Agricultural Analysis & Extension Heart and School of Agricultural, Family and Shopper Sciences (the Land-Grant Campus) shall be hosting its annual National Ag Day celebration on Tuesday, March 21, 2017 from 9:00 A.M. 1:00 P.M. This 12 months's theme is Meals for Life." Nationwide Ag Day is a nation-huge celebration the place people and establishments recognize the importance of agriculture and the way it relates to everyday life. Completely agree, we are in effect, home animals, except that we had been domesticated not by one other species, however by our own variety. The one strategy to free ourselves from this state is to reconnect with the natural world and re-be taught long forgotten abilities. In my opinion, the few surviving hunter gatherers are essentially the most priceless people on the planet. Thanks for commenting.
The traders and commission brokers advance loans to the farmers for short period These loans are provided principally for productive functions earlier than the maturity of crops. The fee brokers power the farmers to promote the produce to them which typically is purchased at low charges.
There are some widespread kitchen substances that can be utilized to eliminate backyard pests. For example, a canola oil spray works as an insecticide yet is unhazardous to humans. It shouldn't be sprayed near water, however. Garlic repels birds and bugs and in addition degrades quickly. Black pepper oil is used to repel mammals. Although it is probably not a typical household product in some countries, neem seeds and the oil from the seeds can be used to create a pure pesticide that kills many bugs.
Promotion of commodity-based farmers' organisations such as Small Cotton Farmers' Estates to combine decentralised production with centralised companies similar to submit-harvest management, value addition and advertising, for leveraging institutional assist and facilitating direct farmer-shopper linkage.
Organic Farming reduces the price of cultivation up to 30 % since the price incurred on the fertilizers and plant safety chemical compounds can be omitted, in addition to organic farming is confirmed to be more worthwhile than conventional farming when adopted the best farming observe.
That is one other problem associated with technological development or improvement. The development in know-how has resulted in many well being challenges which the world has been going through. This is changing into a hot subject" because the variety of health challenges which might be being encountered because of technological improvement is of high enhance. So many essays have been organized by organizations on the adverse impacts of technological development as associated to health and attainable options.


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Nita Treasure posted a topic in Cascabel's Lock Stock & BarrelAhoy mates! I just received my reprint of Cascabel's article series "Flintlocks 101", originally printed in "No Quarter Given". This document is full of useful and informative tips and lessons on everything "flintlock". It's great for beginners and old salty dogs to boot. I plan on ordering more copies to share with my crew mates. A lot of information in an easy to read document. Yes, it easy to read but also very, very informative! I couldn't put it down until I had finished reading the entire document. If you have any questions about black powder or flintlocks, you'll find Cascabel's flintlock/black powder "handbook" very helpful. Thanks, Cascabel, for teaching this lass more about black powder and flintlocks. Looking forward to seeing you again at Pirates In Paradise - Key West, FL. As I was ordering additional copies, it dawned on me that these reprints - printed on nice, heavy, parchment-like paper - will make great holiday stocking stuffers. Definitely a gift that will keep on giving for years to come! Nita Treasure


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- Genesis , Latest Finds , PS4 , Turbo Grafx »
- Finds 1081: Mighty no9 Signature Edition, Sword of Sodan, and Final Lap Twin
Posted by : Unknown Oct 6, 2017
Here are some new additions for the collection. Mighty No9 Signature Edition was insanely cheap and I just had to have it for the action figure. Final Lap Twin is a very solid addition for my ever growing Turbo Grafx Collection. Sword of Sodan is another obscure side scroller that needs some love. Genesis rules after all!


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*Allene Angelica*
Sent from my iPad
Sunday, October 23, 2011
Chemical Peel Part Deux
I just completed doing my second application of the chemical peel. The first one was three weeks ago. I followed the same procedure as the last time. I wasn't expecting the chemical to burn as intensely as it did tonight. Maybe because my skin isn't as thickly layered as it was three weeks ago. It was pretty bad back then. Exfoliation was definitely in need. I left the chemical peel on for four minutes this time before rinsing it off. My skin feels good but I probably won't see any results, any real improvement anyways, until the fifth procedure.
*Allene Angelica*
*Allene Angelica*
Labels: beauty, chemical peel
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