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25 Sep 401(k) Loans – FAQs
How do 401(k) loans work?
Whereas with a traditional loan you make payments to a lender, with a 401(k) loan you are borrowing from your own account. Loan payments (interest and principal) are paid by the borrower back to their own account, and are typically handled through payroll deductions. The amount borrowed is tax-free, but becomes subject to tax and penalties if repayment is not made according to the plan terms.
Many 401(k) loan features are specific to a plan and are detailed in the plan's Summary Plan Description (SPD).
Is my 401(k) plan required to offer loans?
No – although most 401(k) plans do offer loans to participants, it is not required that they do so. Additionally, the terms of 401(k) loans can vary substantially between plans, as you'll see from some of the other questions.
How much/how long can I borrow using a 401(k) loan?
While a plan may have lower borrowing limits, IRS rules limit the maximum 401(k) loan amount to the lesser of:
- $50,000
- The greater of $10,000 or 50% of your vested account balance
The maximum loan amount may be further reduced if you have had an outstanding 401(k) loan in the prior 12 months.
The maximum loan term is typically five years, but an exception exists for the purchase of a primary residence that extends the maximum loan term.
How is interest on a 401(k) loan handled?
Interest rates for 401(k) loans are set by the plan, but are typically significantly lower than market lending rates. Many people convince themselves that 401(k) loans are advantageous because you are borrowing at a low rate and paying interest to yourself rather than to a lender.
However, this is short-sighted. The interest you pay back to your 401(k) account is after-tax income, but will be taxed when it is ultimately withdrawn from the plan, meaning you are taxed twice on the amount. Perhaps more importantly, there can be a substantial opportunity cost to borrowing from a 401(k), since the interest paid is likely to be significantly less than potential investment returns. Finally, unlike a traditional mortgage, interest paid on a 401(k) loan used for a home purchased is not deductible.
What happens if I leave my employer while I have an outstanding 401(k) loan?
When you leave an employer, any outstanding 401(k) loan balance becomes due, although the recent tax reform has provided some additional flexibility on the timing of the repayment. Failure to repay the loan in the required time period results in the outstanding loan balance being treated as a withdrawal, which is subject to tax and potentially a 10% penalty. While you may not plan to leave an employer during the loan term, recognize that unforeseen situations may occur.
Do other retirement plans have loan options?
Similar to 401(k) plans, profit-sharing, 403(b) and 457(b) are allowed to offer loans to plan participants.
Loans are not permitted from IRAs or IRA-based plans, including SEPs, SARSEPs and SIMPLE IRAs.
Should I use a 401(k) loan for _____?
We typically strongly advise clients to avoid taking 401(k) loans. In short, the purpose of your 401(k) is not to provide an inexpensive source of funding, but to provide the basis for your long-term retirement needs. Borrowing from your 401(k) reduces the invested balance, impeding the growth of the account. Compounding the issue, a recent survey by Fidelity found that 401(k) participants with plan loans had significantly reduced contributions (or stopped contributing completely) compared to those without loans.
While we usually suggest borrowing from a 401(k) only as a "last resort", we acknowledge that each situation in unique and that there may be times when borrowing from a 401(k) can make sense. If you would like help in determining if a 401(k) loan is appropriate for you, or what your alternative options may be, please contact us!


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Hopes of finding soccer star Emiliano Sala alive were fading on Wednesday, as a recording emerged of a chilling voice message he apparently sent from his stricken plane before it disappeared over the English Channel.
Before the plane carrying him vanished, the Argentine soccer player sent a voice message to friends saying "I'm so afraid" and warning that the aircraft "seems like it's falling to pieces", Argentine news outlets reported.
Search teams were reviewing satellite imagery and mobile phone data as four aircraft scoured seas off the channel island of Alderney, where unidentified debris was earlier spotted.
But with Cardiff City-bound Sala and his pilot already missing for 40 hours, rescuers said chances of finding either of them alive were almost vanishingly slim.
"We're up there looking for stuff that we don't expect to find," John Fitzgerald, chief officer of the Channel Islands Air Search told Reuters.
"If there was anything on the surface I think we would have found it on the first night because the weather conditions were really good."
The 28-year-old Argentina-born forward was en route from Nantes in western France to Cardiff for his debut with his Premier League club.
In a chilling voice message sent to friends, which Argentina's Clarin newspaper said was authenticated by Sala's father Horacio, the player expressed concerns about the single-engine Piper Malibu aircraft he was flying in.
"I'm in the plane and it looks like it's going to fall apart," he said. "Dad, I'm really scared."
Britain's Air Accident Investigations Branch said it had opened an investigation into the disappearance of the US registered aircraft.
Air traffic controllers had guided searchers along the path it took before it disappeared from radar screens at just over 600 metres, Fitzgerald said.
Sala joined struggling Cardiff from FC Nantes last week for a club record fee of about £15 million ($27.2 million) through 2022, having scored 12 goals for the French club this season.
Both clubs were fearing the worst.
Cardiff City fans laid tributes outside their stadium to a player they barely knew but had built high hopes around.
"Sala a Bluebird. R.I.P. Bro. Big Love," read one, in reference to the team's nickname.
In Nantes, supporters laid rows of yellow flowers and held club scarves aloft in the city centre late on Tuesday.
Police on Tuesday said the chance of finding survivors was slim and the prospect appeared bleaker a day later, with the water temperature in the Channel barely 10 degrees.
"There's no chance. You'd have to be really, really fit to survive even four or five hours in the water," Fitzgerald said.
He said the pilot had filed a 'VFR' flight plan, which requires aircraft to avoid bad weather, have sight of the ground, and stay out of certain air corridors.
The plane had been cruising at 5,000 feet (1,525 metres) when the pilot requested to descend to a lower altitude on passing Guernsey. It lost radar contact at 2,300 feet, Guernsey police said.
British media on Wednesday cited Cardiff chairman Mehmet Dalman as saying the club had not organised Sala's travel plans. "He declined and made his own arrangements."

subset: commoncrawl


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Globally people don't drive the same types of cars. Recently many accidents are happening since many cars are using the same roads. Choose a repair shop that you trust most. It is essential to find a good body that will offer you collision repair services. A lot has to be looked at when deciding on which collision repair shop to attend. Learn more about Cypress collision repair, go here.
Enquiring from friends, workmates, family, and neighbors is also important. You will only be referred to a good repair shop by those who liked the services. Any repair shop that receives its customers through word of mouth advertisement is known of their good and clean type of work. When one decides to follow what they have told by the satisfied people they are assured that their choice is right. The internet also has some views concerning different collision businesses hence you can take your time and read them out. You can google to check the business reputation. In case you come across any negative review or complaints ensure that you verify them by checking with the better business bureau. Fake and negative feedbacks may be posted by people who want to compete with the shop. Find out for further details on Houston auto detailing right here.
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With the chill in the air, and the yellow leaves everywhere, it certainly feels like fall today! When autumn begins, I love to remember this famous quote by David Henry Thoreau:
Live in each season as it passes; breathe the air, drink the drink, taste the fruit, and resign yourself to the influences of each.
I don't know what it is about fall that makes me want to resign myself to the influence, but like no other season, I want to make the most of it, to immerse myself in it.
Metaphors aside, nothing says "taste" and "drink" the fall season like the Thanksgiving feast. With the last long weekend of summer behind us, the next one up is Thanksgiving. Even the word conjures up images of the beautiful fall colours, the warmth of Indian Summer, the bounty of the harvest. Surely the most wonderful time of year (sorry, Santa).
That in mind, I thought I would focus solely on feasting in this newsletter. After all, it's never too early to plan a great meal!
Are you having guests this year? Fruit wines can usher in a native berry theme, so appropriate to an autumn feast, and be a great companion to the balance of the day's treats.
So, in celebration of Alberta's fruit, here are five festive feasting ideas:
Start by introducing your fruit theme early. As guests arrive, consider serving this lovely, fall-flavoured Sangria, fragrant and festive:
Cherry Cider Sangria:
2 bottles Cherry Fruit Wine
500 ml. apple cider
2 – 250 ml. bottles ginger beer (non-alcoholic)
Red and green apple, sliced
Orange and lemon zest (opt.)
Mix all ingredients together in a large pitcher. Chill for at least one hour to let flavours mingle. So easy – and pretty, too!
Serving an Appetizer? With a little more effort, you can make your own Fruit Wine Jelly.
Raspberry Wine Jelly:
3 ½ cups Raspberry Dessert Wine
4 cups sugar
½ cup lemon juice
1 package certo
Put wine in a deep saucepan, add certo and lemon juice. Stir, and bring to a boil. Add sugar. Bring to a full rolling boil and boil for one minute. Remove from heat, pour into jars and seal. Process for 10 minutes in a boiling water bath. Let cool. (Makes 6 – 250 ml jars). Serve on wheat crackers on top of cream cheese, or on Triscuits with a slice of brie. Yum!
Now, on to the Main Event…
For a slightly new flavour inside the big bird, try this one this year:
Savoury Saskatoon Berry Dressing:
Thaw two cups of frozen saskatoon berries and soak in Saskatoon Berry Dessert Wine overnight. Add to your favourite stuffing recipe for a yummy flavour boost. Adds a new dimension with so little effort!
And, at the risk of being too predictable, I am once again including this great recipe, certainly one of our all-time favourties:
Cranberry Sauce Extraordinaire:
1 bag fresh cranberries
¼ teaspoon cinnamon or 1 cinnamon stick
Dash nutmeg
1 cup Wild Black Cherry dessert wine
¾ cup wildberry juice
¼ cup honey
Simmer all ingredients until berries are soft and slightly reduced. Cool and serve. As many of you already know, this really takes Cranberry sauce up a notch …
Don't forget to treat yourself to a bottle of chilled Bumbleberry Fruit Wine to accompany the turkey. Bumbleberry's hints of wild berry flavour guide your tastebuds through the savoury flavours of hot stuffing and poultry with ease.
Well, that leaves dessert! May I suggest something a little lighter this year?
Saskatoon Berry Crème:
2 ½ cups whipping cream
¾ cup sugar
½ cup Saskatoon Berry Dessert Wine
2 Tbsp. lemon juice
Heat cream and sugar over medium heat and and whisk occasionally. Remove from heat, stir in wine and lemon juice. Allow to cool for 15 minutes, then carefully pour into clear serving dishes. Chill overnight. Top with an assortment of fresh berries.
Serve this with a small glass of chilled Saskatoon Dessert Wine and you have a perfect ending to a perfect meal. Guaranteed!
As for shopping for the feast, the good news is that a Field Stone booth can still be found at some seasonal farmers markets – Bridgeland Calgary, CSpace at Marda Loop Calgary, Millarville, St. Albert and Callingwood Edmonton – during the first week in October, and right through to October 7. Alas, all other summer markets will finish by the end of September. Thank you for visiting them. Thanks to all of you, it has been a terrific summer. We enjoyed meeting every one of you!
And just a reminder that our many fine retail stores are open almost every day. For an up-to-date list of where to find us, at any time, you can always visit: www.fieldstonefruitwines.com/find-us.
At Calgary Farmers Market, there are many great events planned throughout the harvest season. Visit www.calgaryfarmersmarket.ca for more information. We guarantee that with a visit to the farmers market, Thanksgiving food shopping will never be more fun!
Many of you have already heard the big news about the new Calgary Farmers Market opening at Greenwich in Spring of 2020. As a special treat, several vendors (including Field Stone) will be at the location this Saturday, September 15, for a Pop-Up Market. Come on by for some fun! Details at www.calgaryfarmersmarket.ca.
Alas, the winery has closed for the season, but the good news is that our draw for the free case of wine will take place in a few days. Is your name in the box?
If you live in the Red Deer area, we have an upcoming event that is always heaps of fun. Central Alberta Co-op Wine and Spirits Festival (10th Annual) takes place on Friday October 5, 2018 from 5-9pm, in the Parkland Pavilion, Westerner Park, Red Deer. This will be Co-op's largest show to date (over 100 vendors), so don't miss it! More info at Deer Park Liquor Store: 403 342-4040.
Finally, a big thanks to everyone for supporting us this summer, wherever you may shop – at the markets, the winery or at your favourite retail store. We appreciate all the encouragement and all the kindness. Stop by this month at any of our seasonal markets for the last 'stock-up' opportunity of the season, with our market-only discounts still in effect.
We hope you enjoy your fall season as you "taste" and "drink" its influences.
Happy September, everyone! Take a big bite.
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Our retail specialists provide services for tenants, landlords and investors.
We are a one-stop-shop for retail real estate worldwide. From shopping centres and retail parks, to high streets and factory outlets, our retail specialists leverage their vast industry and local market knowledge and global perspective to meet your goals. Whether expanding internationally, looking for new tenants or analyzing your existing portfolio, our teams with expertise in market entry strategy and individual sector specialists can help.
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The world's most expensive shopping streets revealed. Now in its 31st year, Main Streets Across the World ranks high streets worldwide by their prime rental value and reviews global retail trends.
Main Streets Across The World tracks 451 of the top retail streets around the globe, ranking them by their prime rental value utilising Cushman & Wakefield's proprietary data.
Trends in the global Food & Beverage market: how consumer demands are evolving and how retailers and shopping centre owners are responding to them.
Australia Retail Trends & Outlook 2017: Cyclical and structural changes reshaping the retail landscape
Corporate real estate (CRE) leaders around the world are focused on strategies to attract and retain superior employees and help enhance their productivity. At the same time, they must continually find ways to reduce occupancy costs. The overriding challenge is to balance these two goals, which are often in opposition to one another.


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DAVENPORT - Sarah Keeton recognizes Margaret's pain, she speaks to college students every day and counsels them through trauma like sexual assault.
"It's really hard, it's a violating thing that happens to you, especially not being able to remember something," said Sarah Keeton, Iowa Campus Coordinator with Family Resources.
News 8 showed Keeton our interview with Margaret, an Augustana College student, she came forward to talk about the night she says she was assaulted at an off campus house party on New Year's Eve.
"You get really scared that it's gonna totally destroy who you are, to some extent it did, to some extent I'm never gonna get part of me back, like something was taken from me that they didn't ask," said Margaret, sexual assault survivor.
The National Sexual Violence Resource Center reports, 1 in 5 women and 1 in 16 men are sexually assaulted while in college but less than 10% of victims will come forward.
"You have a fear that you're not going to be believed, you have a fear that you're going to be blamed and I think it takes courage to put those fears aside," said Keeton.
When News 8 spoke with Margaret she said, "I totally understand why people don't talk about it and they just shut up and they sit down because to hear like I'm a liar because it happened or I'm just spreading rumors, it just makes you not want to get up in the morning."
However, Keeton says campaigns like the "Me Too" movement could lead to a shift in society, breaking down the barriers for the victims who share their stories and people in power who hear them.
"They're not alone, it's not their fault and I believe you," said Keeton.


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Ranil's Lack Of Honour
Political parties are like a restaurant. You do not have to get up and pay, but everybody does. It is an honor system. Ranil Wickremesinghe, however, is a politician without honour.
Honour and its cousin shame are what cause most political transitions. They have no relation to Ranil. In Italy and Greece, Prime Ministers stepped down when their positions became untenable. In the UK, Gordon Brown stepped down after losing an election. This is generally the pattern worldwide except in dictatorships.
People blame Sajith or UNPers for not resisting Ranil more forcefully, but it is difficult. Political parties, like any social system, are based on honor. There is nothing to stop you from eating in a lunch kade and just walking out the door. They do not keep security. If a person wants to be socially obnoxious there is actually very little to stop them, because the whole system runs on honour.
In political parties or even governments, change of power is often dependent on the person stepping down. Even Husni Mubarak, former dictator of Egypt, was not technically removed, he had to choose to resign. Even he had that honor. In more mature political systems, leaders faced with no confidence votes or lost elections will resign, though they technically do not have to do so.
These pressures work by creating pressure within a person, and on the people around him. If you do not pay in a restaurant you feel a tangible shame. It is a human emotion. This Ranil perhaps may not possess. As the broader world withholds honour and attention from you that affects the people around you – your family and friends – and they in turn put pressure on you. This is how things are usually balanced in the world.
Ranil's example
For some reason Ranil seems immune to these pressures, and so does his inner circle. This is perhaps because Ranil refuses to leave the leadership of an opposition party. If he was a regular dictator, people would have a strong motivation to remove him, and no alternative. In the case of the UNP, however, people have the option to just leave. Over 60 MPs have crossed and the UNP's vote total declines with each election.
Rather than staying and exerting pressure on the problem, people are choosing to simply relieve the pressure and leave.
What this creates is a situation where traditional social shame does not exactly work, because there is an exit option. The pressure pushes opponents out the door before it pushes Ranil.
Ranil's shame
While this option works for his self-preservation, it has systematically destroyed a once proud party, and the opposition in Sri Lanka. The whole honour system is based on people putting the needs of others before themselves, of fitting into a broader social system and accepting those values. Ranil does not. He is effectively a political sociopath, out only for himself.
There are clear signals that a normal politician or human being would respond to. Losing elections, having friends leave you, being embarrassed in public. Ranil ignores all of these. It is like having someone in a restaurant who simply cannot perceive the stares of other diners as the waiters hover over him and he just gets up and leaves.
The people gave Ranil the check in 2005, when he lost the Presidential election. That was due largely to LTTE interference, so he was allowed to stay. They gave him another check, however, when he continued losing election after election (Parliamentary, provincial, local), but he never got the point. Rather than dealing with the social stink, most people have simply left the restaurant. The people, the party, politicians. Now Ranil is nearly alone, seated at a table with a pile of unpaid bills and no food.
Ranil's honour (or lack thereof)
In his book 'The Honor Code', Kwame Anthony Appiah posits that moral revolutions happen not due to appeals to reason, morality or religion (though those are part of it). They happen when a particular behavior (slavery, foot-binding in China) become broadly perceived as dishonorable – embarrassing the group to outsiders and within.
Ranil's behavior of dictator of the opposition has long surpassed that mark, but he remains simply because people have and take the choice to leave the party. Those that remain, however, must realize that even appeals to honor will move this man because, by his behavior, he has very little. People within the party must themselves make great sacrifices to keep internal pressure up, without leaving, and even then they may fail.
Right now, Karu Jayasuriya has said that he will contest, and many UNPers have asked for a fair and secret ballot. That decision and even the decision to accept Jayasuriya as a candidate must pass through the Working Committee, a body controlled by Ranil. Bureaucracy and protocol are the last refuge of the dictator, and Ranil dwells therein. It is unclear whether this measure will fail as street protests have failed before, because Ranil lacks the honor to even acknowledge them.
The fact remains that Ranil is a sociopath or, more accurately, a politicopath, insensitive and perhaps even unaware of the political needs of others. It is no longer the issue that he lacks reason or awareness, he lacks honour. If the UNP wants to reclaim theirs, they have to make a concerted push to show him the door.


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From our dispatch in Los Angeles, we service neighborhoods in and around Santa Clarita, CA including Valencia, Newhall, Stevenson Ranch, Canyon Country and all the surrounding areas.
Case Studies of Jobs Performed in the Santa Clarita Area
(Simi Valley, CA) – Following a tragic death, hiring the right crime scene cleaners may seem like an afterthought. Except to a landlord, whose livelihood depends on the conditions of their property, their reputation, and the health and safety of their tenants. In Simi Valley, California, one landlord contracted with Aftermath to remediate following a homicide in an apartment unit.
Arriving at the scene, technicians immediately noticed blood on the tile floor of the kitchen, and two pillows that were also contaminated. They investigated the bedroom of the apartment as well, where the crime took place. They noticed blood on a dresser and on the bed, the walls and ceiling over the bed, and on the door. In order to fully clean and sanitize an area, all objects must first be removed and either cleaned or disposed of. The family of the victim wanted to retrieve personal property, so the technicians waited until the room was clear of items before proceeding with the biowash process.
In addition to working with the clients and their insurance provider, Aftermath also offered the property owner a certificate of treatment, which ensures that the work completed meets the highest possible standards of cleanliness and sanitation.
Services Related to Crime Clean Up in Santa Clarita, CA
If you or someone you know was a victim of a crime, Aftermath has collected some resources to help guide you through this process.
Other Resources
- To Obtain Copies of the Death Certificate:
Office of Vital Records
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Crime Victims Center
- Local Obituaries:
California Obituaries


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HDC International is a consulting and delivery firm that specializes in the field of heritage interpretation and heritage tourism. We provide a wide range of heritage interpretation products and services to private and public sector clients around the world. Our customers range from archaeological and historic sites, nature and wildlife preserves, national parks, visitor attractions, museums, heritage centres, tourism designation partnerships, local, regional and national governments and heritage and nature agencies and other NGO's.
Our team of highly trained and qualified team of heritage interpretation experts have 30 or more years' experience, working on many hundreds of heritage tourism and interpretation projects, in over 40 countries around the world.
HDC International (Heritage Destination Consulting Ltd) is based in North Norfolk in the UK. Our sister company; HDC Americas Inc. is based in Wilmington, Delaware in the USA. We have 2 further satellite offices; one in New Delhi in India, and the other in Osorno in Chile's Northern Patagonia.
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20 Years Ago (1992)
Tunkhannock Area tailback Reuben Sherman rushed for 166 yards, and a key defensive play by teammate Mike Slivinski helped the Tigers to a 22-8 win over host Abington Heights on Saturday. It was the 60th meeting of the long-time grid rivals with the Comets still clinging to a 28-26-6 advantage. Steve Jervis hit seven of 15 aerials for 76 yards. They now prepare for a District 2 semifinal game against West Scranton.
Ben Wademan recovered a fumble and intercepted a pass Saturday as Lackawanna Trail used turnovers to knock off visiting Wallenpaupack, 6-0, in the Suburban Football Conference Finale for each team.
Trail's dream of a state field hockey championship remains alive after sophomore Heather Tallman one-timed a pass from teammate Heather Hess past Dallas goalie Abby Russin :44 into the first 7-on-7 sudden death overtime period to give the Lady Lions a 1-0 victory over the Lady Mountaineers in their PIAA Class AA quarterfinal. But the Lady Lions succumbed 1-0 against Eastern Lebanon County.
The TA girls' volleyball team lost two out of three in the PIAA State Tournament on Friday at Robert Morris University. They defeated Huntington in AAA competition, before losing to Grove City and North Allegheny. On Thursday, seniors Dawn Durling, Nikki Wall, and Randi Purdy will play in the annual all-star game at the TAHS gym.
40 Years Ago (1972)
The Tunkhannock Area football Tigers became tough, rugged, nasty men last Friday night as they defeated Dunmore's Bucks, 24-0. The two previous Fridays, the TA team, loaded with underclassmen, had played like mere cubs as upset losses to Scranton Tech and Scranton Central ran their Big Eleven losing streak to four straight games.
Quarterback Scott Custer completed four of 11 passes for 74 yards, and junior Jim Heydon had 29 rushes for 132 yards making it to 817 yards for the 10 games played to date, and only Abington Heights remaining on the schedule for Thanksgiving.
It was announced that Scott Custer was the third Tiger to receive a nomination to play in the 1973 Big 33 game in Hershey. Also being considered are teammates Dave Malkemes and Paul Robinson.
On the eastern side of the county, Lackawanna Trail knocked over Honesdale, 43-8.
The Lady Tiger basketball team ended its season at 3-5, after a 53-32 loss to Elk Lake, and a43-38 loss to Mountain View. Sophomores Mary Beth Guyette and Jackie Button sparked the offense during the short season with 90 and 66 points, respectively.
The first Tunkhannock New Age Invitational Swim Meet saw Ken Payne capturing the first place trophy in the 200-yard individual medley.
Ruby Szabados also took first in th 12 and under category in the 50-yard backstroke.
60 Years Ago (1952)
Factoryville Hi made what may have been its farewell football appearance here last Friday night and gave the THS Tigers a rugged battle before taking a 12-0 beating. Woefully lacking in reserves, the visiting Red Rams held their own through the first half but were finally worn down by Coach 'Duke' Bunnell's two platoons of Tigers. Jay Keller finally cracked the scoring ice with a 25-yard run early in the second period, and Don Dinsmore added the second touchdown. Coach Harry Zavacky patched up his Red Rams for this game, and they did themselves proud, even in defeat.
Conforming with its switch from the Suburban League to the Back Mountain League, Tunkhannock High School has announced its revised basketball schedule. Home-and-home exhibition series exist with Montrose, Nicholson and Forty Fort, and each of the five Back Mountain League teams will be played three times: Dallas Twp., Westmoreland, Lehman-Jackson, Lake-Noxen and Harter.
Gibbons extended its lead one more point in the Triton Bowling League last week, but only a 5-pin win in the middle game kept them from being held to a split by last place Turrell Motors, whom they defeated 3-1.
Mogan's Diner climbed to within two points of league-leading Cathrall Studebakers last Thursday in the Triton Women's Bowling League by taking three points from Passmore's while Keystone Shoe held the pacemakers to an even split.
80 Years Ago (1932)
James Fleitz, 21, of Wellsboro, was fatally wounded while hunting at Vosburg on Saturday. The young man was a student at State College, but had been spending some time at the home of his brother, Benjamin Fleitz, manager of the Fleitz and Strohl farm at Vosburg.
Constable Walter Brown was up to West Nicholson on a hunting trip the latter part of the week. He bagged six gray squirrels and one red fox.
Alvah Fassett drove to Kingston Saturday to attend the football game between Wyoming Seminary and Temple freshmen. Local interset centered on Glen Frey, who played on the Temple team and he gave an early account of his ability by catching the opening kickoff on his own three yard line, and advancing vit to the 50-yard line.
Mr. and Mrs. Chase Herrick and Mr. and Mrs. Floyd Titman drove to Ithaca last Saturday to witness the football game between Cornell and Dartmouth.
Acording to statistics, more game is shot in Pennsylvania in a year than in any other state in the union. Considering the fact that a few years ago the wildlife of the state was nearly extinct in many sections, this fact speaks well for the sctivitioes of the state game commission and its work.
Mrs. Phoebe Dickinson and son Herbert have been entertaininghunters from Plymouth and Tunkhannock.
The Beaumont High Schooll teams have begun practice for the coming season. They will be entered in the Bi-County League.
100 Years Ago (1912)
Scranton Canoe Club proposes to spend $3,000 improving its grounds at Lake Winola before another season opens.
In describing hunting accidents, the part that is usually most clear is that they would not have happened at all if due precaution had been taken.
William Fitcher and Verne Smith of Dalton went hunting at Nicholson and while shooting at a rabbit the former put part of a load of shot into Smith's stomach and side. The wound did not prove very serious.
Will Bowman came down from Sayre on a hunting tour recently, stopping with Mrs. Bowman;s parents, Mr. and Mrs. F.C. Risley.
A part of our Eatonville hunters leave today for the wilds of Pike County in search of deer.
Ed Dietrich and brother-in-law of Sayre were at Charles Dietrich's last week hunting.
Otis Decker and Tracey Jennings are hunting in the mountains for bear and other game.
The Boy Scouts in Meshoppen meet Monday evenings. Rev. Wilcox is their leader.
Among the courses of the Teachers Institute attractions planned by the County Superintendent for the week of Dec. 9 is one by Henry M. Neely on 'Aeroplanes and Aerial Navigation.' It will be illustrated by lantern slides, motion pictures and his working models of aeroplanes. Neely was closely identified with some of the very first public exhibition flights made in this country, and has ever since had unusual facilities which make his views so authoritative.


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Johannes Vermeer and Scarlett Johansen had it wrong – it's the Girl with the Pearl Thong, not earring, that epitomises sexual prowess and enigmatic mystique. They're just as visually stimulating, historically taboo and spectated upon solely by true connoisseurs, and open-minded individuals alike.
Erase any 'porn-star' connotations you may attach to the pearl thong, and picture this: a slender layer of lace that sits high on the hips, contrasted in their warmth and texture by the cold kiss of a gleaming string of pearls between your legs. A body necklace of innocent white or dark, sultry black pearls nestle themselves to suit your physique, and move in subtle, powerful pulses.
The sensations you get from wearing the thong mix raw promiscuity with a delicate touch of coyness one only gets from the girlish excitement of anticipating an orgasm every time they shift around.
The pearl thong boasts many similarities to a Romanticist era masterpiece. Their colours are bold, their lines are striking, and the image of them when witnessed in the flesh are impossible to forget.
Much like my night in them.
Slipping a pair on under an oversized, silky t-shirt and climbing the stairs from my vanity to my bedroom, I wondered whether these pair of panties had taken my underwear fetishes to a new, comical level. The thong perched itself on my hips, hugging at the curve of carbs that had formed there from the evenings dinner, and the string of pearls left a playful, giddy kiss.
Looking at myself in them, I could only think: "Am I just too vanilla for this?"
I walked, as confidently as one does when they know they have a gorgeous suitor waiting in the next room, each step taking me further from hesitation and deeper into total titillation. I felt like Samantha Jones when she stormed up a flight of stairs in a pearl thong – constantly on the edge of orgasm, but destined to get somewhere without completely succumbing to leg-shaking delight before the actual action.
Wrapping each of my fingers, individually along the door frame, I managed to pull in what was left of my pulsating body to a mildly arousing position. It was very much a moment of expectation vs. reality: expectation being, I looked like a complete sex goddess, clad in some outrageous underwear – reality: a woman too busy enjoying herself alone to stick out her hips and lick her lips for seductive purposes.
My partner could see me struggling, naturally thinking that I'd fallen prey to yet another wardrobe malfunction. I finally pulled myself to a position of dominance – leg spread, hips tilted and gaze locked on his widening eyes.
His smirk said 'get over here' without adding 'please'.
What guy says no to a pearl thong, really?
Sex in a pearl thong was met with heightened sensations, each thrust accompanied by perpetual external stimulation. The added thrill that the underwear was also crotchless meant we spared ourselves an extra half minute, and enjoyed the evening's entertainment without any awkward striptease ceremonies.
The dual string of pearls, adjustable to suit any demanded pressure meant for greater mutual enjoyment. It was a constant novelty, a stable stimulator and the perfect accessory to a night of accentuated pleasure.
Put simply, it's was like wearing a built in sex-toy, that stimulates you externally, while also alluring your partner completely by the sheer ingenuity of them.
A win, win situation really.


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For three days now, Ashia had been in the news and I've been on cliffhanger awaiting word about how my 13-year-old junior golfer had been doing in her first exposure to older and professional ladies junior golfers from the Philippines and all over Asia. Sadly, I cannot go to her tournament in Cavite due to very tight schedule in my tri-media and online media public relations business.
Well, the good thing is Ashia did make it, hanging by the last 8th slot of players qualified to play with what the newspapers describe as the "creme of the crop" in local and Asian lady golfers in April. Not bad for a 13 year old playing against 26 years old lady golfers from Thailand and Korea who dominated the game. Ashia's the youngest Filipina to make it in the Magic 8 circle of players qualified to play with the best of the best.
Here's the news about the game published in my favorite paper:
Thai ace tops Ladies Tour Q-School
Philippine Daily Inquirer
Thai Amolkan Phalajivin closed with a two-over-par 74 to rule the ICTSI Ladies Philippine Golf Tour Qualifying School at Eagle Ridge's Aoki course in Cavite Friday.
Phalajivin pooled 224 to win the 54-hole qualifier by two shots over Korean Kwon Seo-yon, who fired the last day's best round of 70.
Kwon's compatriot Park You-ra placed third with 227 after a final-round 74 while ICTSI amateur mainstays Samantha Martirez (78) and Mika Fortuna (83) wound up fourth and fifth with 231 and 236, respectively.
Japanese amateur Yuka Saso (76), Korean Kim So-yoon (80) and Filipina Ashia Marie Nocum (81) posted total scores of 237, 239, and 240 for sixth to eighth spots.
Phalajivin thus joined the country's leading ladies pro in the eight-leg ICTSI LPGT firing off in April at Orchard in Dasmariñas, Cavite.
Korean amateurs Kwon and Kim will also turn pro and join the circuit after finishing No. 2 and 7, respectively.
Cyna Rodriguez, the ICTSI LPGT's inaugural Order of Merit winner, is expected to head the Orchard cast along with Jayvie Agojo, Lovelynn Guioguio, Sarah Ababa, Anya Tanpinco, Apple Fudolin, Tracy Que, Lucy Landicho, Heidi Chua, Mary Grace Estuesta, Sylvia Torres, Jan Punzalan, Reb Bareng, Eva Minoza, Barsy Leonen and Chihiro Ikeda.
( http://sports.inquirer.net/145299/thai-ace-tops-ladies-tour-q-school#ixzz2tSCKPoqe )
Actually, I have no illusions about Ashia again making it to the Magic 8 in the April tournaments between amateur and pro junior golfers. Most of them are are really very good, with string of winnings here and abroad.
For now, I am already happy that in her first qualifying game against the pros, Ashia did not do badly. She won a qualifying slot even if school workload prevented from taking part in the practice round in the Eagle Ridge golf course. This is the first time Ashia played in the challenging golf course and she did well.
Thanks for reading -- this is the father of Ashia Nocum signing off.


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Here is a quick guide:
Official Website
Aussie-traveller's recommended visits
-Manchester Unity Building
-Melbourne Town Hall and Offices
-RMIT Building 113 Captiol Theatre
-Newman College
-University of Melbourne (University House)
-Parliament House
-Melbourne Recital Centre
Some highlights
-100 Buildings opened
-3 mystery buildings
-Royal Melbourne Hospital Tunnels and Towers
-Redevelopped Hamer Hall (photo below)
-BRING A CAMERA (most buildings encourage this but be careful if photography is forbidden...)
-Not all buildings are open on both Saturday and Sunday
Good luck and have fun! Take as many photos as you can as you'll have to wait another year for this opportunity to arise again.
Aussie-traveller welcomes people to share photos from the event on its Facebook page which you can access below. Don't forget to 'LIKE' it and SHARE with friends!


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This faceted-amethyst necklace requires only nine beads (about a quarter of a 16-inch strand), so pick your favorites and string the rest in another design or two. You'll also learn two wirework techniques: making your own head pins and wrapping center-drilled beads into pendant-style dangles. You can easily translate this design to other rough-cut or organically shaped beads. By Rachel Frye
We'll keep you updated on our latest products, sales, and events.


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Trying to find the right words for this monumental day is overwhelming. I've thought about what I wanted to say to you as your first birthday approached and so many emotions come to mind. The day you were born was the most amazing day of my life, next to the day I married your father. I remember every detail vividly.
Dada got to cut the chord while they worked on putting me back together. I couldn't wait to see your face and I was VERY impatient. I laid there and just listened to your cries and it just put a sense of calm over me, I knew everything was ok.
Finally about 45 minutes later, I was able to have you in my arms. You nursed right away like a champ and just bopped your way down to find your "food" like your instincts told you to do. That was my second most amazing experience since your birth. You were perfect in every way and I couldn't believe how beautiful you were.
a couple days later, we took you home and welcomed you into your new world. We have never been prouder of anything as much as we are of you. Each day you bless us with your smile and love. This year has been so surreal and fast and I am sad that you are turning one today and going from being my baby boy to a toddler.
We planned a big celebration for you today and I will just enjoy each minute and cherish your joy.
I love you more than life itself. Happy first birthday my sweet child.
with love,


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Anatomy of a NASCAR sponsorship
Your Definitive guide to the modern nascar sponsorship landscape
Sponsorship is a key to the success of most professional sports. However, it almost goes without saying that sponsorship is more important in motor racing than in almost any other sport. Principally, because sponsorship is the primary source of revenue that keeps the sport running.
This free eBook is the most comprehensive guide to NASCAR sponsorship that you can find anywhere online, for free. While certainly not all-inclusive, this resource will help you make sense of the modern NASCAR sponsorship landscape.
Among the highlights:
- An overview of the fan base, and the demographics that drive all NASCAR sponsorships.
- How to get started on your sponsorship journey by reviewing the five entry points for a NASCAR sponsorship, and the approximate costs associated with each.
- Highlights of some of the typical benefits of an investment in NASCAR sponsorship.
- Unlocking the value of the rich B2B connectivity within the sport.
- Guidance on how to bring your sponsorship to life through activation.
- Thoughts on how to define, and ultimately measure, the success of an investment in NASCAR sponsorship.


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Part 3 of an ongoing collaboration between General Electric and Dragos.
This paper is intended to improve engineers' awareness of emerging security capabilities to help improve conversation with cybersecurity professionals for securely implementing business and engineering requirements that add value. It explores details of how engineers can guide the implementation of good industrial control system (ICS) security into the future as next generation control systems and connectivity requirements emerge (e.g., Industrial Internet of Things (IIOT) or Industry 4.0). It assumes some knowledge of the basics, and focuses on what engineers should learn to design next-generation security around the business and engineering requirements of ICS.
A framework of sliding scales useful for building intuition of the level of protection generally desired based on your degree of connectivity and remote control in combination with the level of threat that you assume based on the similarity between your operations (e.g., industry) and those of victims being targeted. The paper describes each level of the scale in greater detail, and provides examples of emerging capabilities that could serve as a foundation for creative designs of security systems and reinforce the idea that ICS should be treated as systems in which security is part of the design and evolution, rather than a patch after the system is in operation.


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Technical Recruiter at Braintree
About Us:
Braintree lets you move money from one place to another safely and securely. Every time you pay for an Uber ride, book a stay through Airbnb, or pay with PayPal when you check out online, you're probably using our product. It sounds complex (and it is), but we make it so simple you can't tell we're there.
We solve world-scale problems and provide opportunities to match. We build diverse teams that recognize our strengths and allow us to work on our weaknesses. You bring skills and a relentless focus on the customer, and we'll provide the support you need to do the best work of your life.
Check us out: GitHub | Blog | Twitter | LinkedIn | Facebook | The Muse | Glassdoor
Braintree Talent Team:
We're passionate about building an exceptional team and we're embarking on another huge year. Braintree is passionate about talent and our talent team structures and stewards this process. The talent team partners with hiring managers, coordinates logistics and planning, and delights prospective employees with a seamless recruiting and interview experience that matches our product known for simplicity and grace.
- Execute recruiting strategies and weekly/monthly/quarterly recruiting metrics.
- Manage the full life cycle recruiting process from sourcing candidates to extending offers.
- Build candidate pipelines through sourcing, networking, referrals, events, online postings, and work with additional recruiting staff to turn our university relations into a candidate pipeline, etc.
- Deliver positive candidate experience.
- Continuously follow-up and provide strategic insight to hiring managers in an effort to confirm staffing plans and ensure that candidates needs are met.
- Possess a wide range of experience on current external recruiting policies, practices and trends. Propose and implement ongoing improvements to Braintree's recruitment efforts (this may include communication of regular recruiting metrics).
What we look for in you:
- 1-5 years technical recruiting experience in a fast-paced, startup environment implementing a wide range of recruiting tactics and programs; ability to grasp new technologies.
- Ability to build strong relationships, manage expectations and execution for both candidates and hiring managers.
- High attention to detail and the ability to work with hiring managers to prioritize candidates and roles to meet hiring needs.
- Problem-solving mindset with the ability to work with a sense of urgency at all times.
- Excellent verbal and written communication skills with an emphasis on tact and diplomacy.
- Experience with an applicant tracking system.
- Previous experience working through a full recruiting cycle.
- Ability to collaborate effectively with the recruiting team.
- BA/BS degree
We know the confidence gap and imposter syndrome can get in the way of meeting spectacular candidates. Please don't hesitate to apply.


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This 1996 Adam Sandler comedy follows a washed-up hockey player who takes up golf. Happy Gilmore's hockey career is on the rocks and he's got no direction in life. His grandmother is evicted from her house for her failure to pay back taxes, and his girlfriend has left him. He makes it on to the pro golf tour with the hope of making some money to save his grandmother's house, but is challenged by tour favorite Shooter McGavin.
This tale of an Indian girl who dreams of playing professional soccer is sometimes a cliched affair - disapproving parents, a love triangle with a hunky coach, etc. - but swathed in the sort of relentless enthusiasm Gurinder Chadha lends the material, it feels as fresh as the day these winning formulas were established. Parminder Nagra and Keira Knightley, the latter of whom would go on to trounce bad guys in Pirates of the Caribbean, offer a decidedly intelligent and sensitive portrayal of these ambitious, gender-defying athletes who dream of a professional sports career, while the director gives the entire affair a palpable political context and enough twists and turns to make for a semicomic masterpiece.
This fact-based, inspirational 1993 film stars Sean Astin as the diminutive Daniel "Rudy" Ruettiger, whose poor grades prevent him from getting into his dream school, Notre Dame. After years of hard work and failed attempts, little Rudy gets into Dame and becomes the heart and soul of the football (practice) team. He finally builds up the courage to ask the head coach for a single game in which to dawn a Fightin' Irish uniform. Rudy -- which was the film debut for both Jon Favreau and Vince Vaughn -- has stood the test of time because it is the epitome of sappy/sweet underdog films.
It's 1971 in Alexandria, Virginia. Racial integration compels the local school board to hire a black football coach ¿ shaking the deep roots of the T.C. Williams High School athletics establishment, and rattling the community to its core. As racial tensions run high at T.C. Williams, incoming coach Herman Boone (Denzel Washington) struggles to find acceptance from his co-workers, fights to balance the volatile tensions running between the black and white players on his team (the Titans), and becomes hell-bent on making sure the people around him are judged by their essence and capacities instead of their skin color.
Famous for the line "There's no crying in baseball," this light-hearted look at the first womens' baseball league is (like the monolith) "full of stars." Tom Hanks, Madonna, Rosie O'Donnell, Geena Davis and Lori Petty round out a diverse cast. Hanks stars as the famous manager who is merely collecting a paycheck, originally wanting nothing at all to do with his team. A fun look at an oft-overlooked slice of sports history, it's one of the few sports movies that features primarily women.


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The Sky Blues' Under-21s fixture has been called off due to a waterlogged pitch at Sixfields...
Coventry City Under-21's fixture against Derby County has been postponed due to a waterlogged pitch.
The game was due to kick-off at 2pm at Sixfields today but we will rearranged in due course.
Keep checking www.ccfc.co.uk for details!


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Dr. Peter Ako Larbi
Assistant CE SpecialistKearney Agricultural Research & Extension Center
9240 S. Riverbend Ave.
Parlier, CA 93648
Ph.D. Agricultural and Biological Engineering, University of Florida. 2011
M.Sc. Agricultural Engineering, Kwame Nkrumah University of Science and Technology. 2007
B.Sc. Agricultural Engineering, Kwame Nkrumah University of Science and Technology. 2003
- Outstanding Graduate Faculty Mentor Award
Presented by Graduate Student Council, Arkansas State University, 2018
- Professor of the Month for February 2017
Presented by Arkansas State University, 2017
- Young Engineer of the Year Award
Presented by American Society of Agricultural and Biological Engineers, Arkansas Section, 2017
- Mondialogo Engineering Award
Presented by United Nations Education Science and Cultural Organization, in partnership with DaimlerChrysler, 2005
- Special Jury Recognition Award
Presented by United Nations Education Science and Cultural Organization, in partnership with DaimlerChrysler, 2005
SpecialtyAgricultural Application Engineering
Areas of Expertise (click to see all ANR academics with this expertise)
- Fruit and Nut Crop - General
- Tree Fruits - General
- Nut Crops - General
- Citrus - General
- Cherries
- Air
- Plant Protection
- Engineering Systems and Equipment
- Instrumentation and Control Systems
- Geographic Information Systems
Peer Reviewed
- Vong, C. N.; Larbi, P. A. (2019). Development and prototype testing of an agricultural nozzle clog detection device. Transactions of the ASABE. In Review.
- Larbi, P. A.; Larbi, D. A. (2018). Adopting Microsoft Excel for Biomedical Signal and Image Processing. Computer Methods and Programs in Biomedical Signal and Image Processing.L. Wang. Book Chapter. https://www.intechopen.com/online-first/adopting-microsoft-excel-for-biomedical-signal-and-image-processing
- Larbi, P. A. (2018). Advancing Microsoft Excel's potential for teaching digital image processing and analysis. Applied Engineering in Agriculture. 34:2, 263-276.
- Larbi, P. A.; Green, S. (2018). Time series analysis of soybean response to varying atmospheric conditions for precision agriculture. Precision Agriculture. 2018, pp 1-14.
- Zhou, J.; He, L., et al. (2016). Field evaluation of a mechanical-assist cherry harvesting system. Engineering in Agriculture, Environment and Food. 9:4, 324–331.
- Larbi, P. A. (2016). RGBExcel: An RGB image data extractor and exporter for excel processing. Signal and Image Processing: An International Journal. 7:1, 1-9.
- Larbi, P. A.; Vong, C. N., et al. (2015). A study of operator performance for a mechanical sweet cherry harvester: Comparison between manual and remote-controlled operation. Journal of Agricultural Safety and Health. 21:3, 145-157.
- Larbi, P. A. (2015). Modification and field evaluation of an experimental sweet cherry harvester. Applied Engineering in Agriculture. 31:3, 387-397.
- Larbi, P. A.; Karkee, M. (2014). Effects of orchard characteristics and operator performance on harvesting rate of a mechanical sweet cherry harvester. GSTF Journal on Agricultural Engineering. 1:1, 11.
- Larbi, P. A.; Salyani, M. (2013). Discretization for a spray deposition model: Criteria for temporal and spatial differencing. Computers and Electronics in Agriculture. 9, 35-39.
- Larbi, P. A.; Ehsani, R., et al. (2013). Multispectral based leaf detection system for spot sprayer application to control citrus psyllids. Biosystems Engineering. 116:4, 509-517.
- Khot, L. R.; Ehsani, R., et al. (2012). Air-assisted sprayer adapted for precision horticulture: Spray patterns and deposition assessments in small-sized citrus canopies. Biosystems Engineering. 113:1, 76-85.
- Larbi, P. A.; Salyani, M. (2012). CitrusSprayEx: An expert system for planning citrus spray applications. Computers and Electronics in Agriculture. 87, 85-93.
- Larbi, P. A.; Salyani, M. (2012). Model to predict spray deposition in citrus airblast sprayer applications - Part 1: Spray Dispersion. Transactions of the ASABE. 55:1, 29-39.
- Larbi, P. A.; Salyani, M. (2012). Model to predict spray deposition in citrus airblast sprayer applications - Part 2: Spray deposition. Transactions of the ASABE. 55:1, 41-48.
- Khot, L. R.; Ehsani, R., et al. (2012). Spray pattern investigation of an axial-fan airblast precision sprayer using a modified vertical patternator. Applied Engineering in Agriculture. 28:5, 647-654.
- Khot, L. R.; Salyani, M., et al. (2011). Assessment of aerosol deposition and movement in open field conditions. . Agricultural Engineering International: CIGR Journal. 13:3.
ANR Workgroup Associations
- Walnut - Member


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Low Dream
Reaching For Balloons (1996)
Marcadores: • brazilian, • shoegaze, Low Dream
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See www.letstalkbirth.com for more information.
AIMS Journal, 2020, Vol 32, No 2 By Lucy Castelino After four years of pregnancies ending in heartbreak, I couldn't wait for the day we got to meet our miracle rainbow tw…Read more
To read or download this Journal in a magazine format on ISSUU, please click here Complete list of book reviews on the AIMS website AIMS Journal, 2020, Vol 32, No 1 Give…Read more
To read or download this Journal in a magazine format on ISSUU, please click here AIMS Journal, 2020, Vol 32, No 1 By Jo Dagustun Everyone working to improve maternity se…Read more
POSTPONED FROM JUNE 2020 Making a difference past and future The purpose of the day is to celebrate what Birth Activists in general and AIMS in particular have achieved,…Read more
Registration for the NICE Annual Conference 2020 will open on 22 January 2020. For more details and to register your interest, please visit http://www.niceconference.org.…Read more
The theme of IMUK's 2020 National Conference 2020 is The Science Behind The Art of Midwifery. Speakers to be announced and tickets will be released soon. Information is a…Read more
AIMS' evidence to the Health and Social Care Select Committee On April 22, the UK Parliament's Health and Social Care Select Committee opened an inquiry into the plannin…Read more
AIMS welcomes the recent publication of the RCM Clinical Briefing Sheet: 'freebirth' or 'unassisted childbirth' during the COVID-19 pandemic ( www.rcm.org.uk/media/3904/f…Read more
AIMS has had many enquiries about how to find out about, and seek to influence, local service changes during this period. Here we have included several examples of issues…Read more


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NYC will always have a special place in my heart, but the world is big and I've spent a lot of time in Southern California over the past year and a half. This lead me to create an essentials list (places I couldn't live without) here in California as well. However, because this isn't just one city that's 13.4 miles long, and I refuse to consider California as either LA or SF, I've broken this list down into areas all the way from Santa Barbara County to Orange County. I'll be creating more in-depth lists for different areas, but think of these as my staples throughout Southern California.
Note: You'll notice that In-n-Out isn't within this list because it's everywhere in the sunny state, but it is 100% a MUST. Eating this iconic burger is like a right of passage when coming to the west, so you will go. And then you will go again and wish you had one right near you when you return to wherever you came from.
I have clickable links throughout to details of each restaurant, but to see EVERYWHERE I've eaten on the #gram in Southern California, click on those "County" header links 😉
Santa Barbara County
Boathouse at Hendry's Beach
This is your quintessential seafood spot located right on the beach. The view speaks for itself, but the food and cocktails are equally stunning and delicious.
Favorites: Lobster Truffle Mac n' Cheese, Uni Special with Raw Scallop, Blood Orange and Ponzu
Mony's Taqueria
Come for the $1.95 tacos, stay for their unlimited salsa bar with at least 12 different types that are sensational.
Another amazing taco spot in SB, except you must be a meat-lover here. They use atypical parts of the animal, and these happen to be the best options. Trust me and order a lengua and cabeza taco.
Happy Canyon Vineyard Tasting Room
Santa Barbara is within wine country with so many different tasting rooms in town. I love Happy Canyon for their reds and rosé (when it's in season). It's hidden in this charming, old-town setting in the middle of Santa Barbara with various tasting rooms nearby so you can hop around.
Definitely add Cebada for their Dessert Blueberry Wine, which happens to be right around the corner
Ventura County
Kanda Sushi (Westlake Village)
High-caliber Omakase right in a strip mall where Chef Mitsu gets fresh seasonal fish delivered from places like Japan and Spain. You can let him know how much you want to spend, and he'll curate a menu based on that
CiCi's (Westlake Village)
They have an overwhelmingly large, diner-like menu, but this is a great brunch with something for everyone. Their Soufflé Pancakes are light and fluffy, and their Beef Panang Curry with Scrambled Egg over Rice is fantastic. I also actually really dig their Happy Hour.
Sushi Oaks (Thousand Oaks)
We all have our local favorites, and Sushi Oaks is my quality go-to sushi spot in town. Don't let its strip mall location deter you. Take note: most fantastic places in Southern California tend to be located in unassuming strip malls.
Mendocino Farms (Westlake Village/All around southern California)
The best sandwiches hands down. Whenever I'm back on the east, I crave this Southern California (and now northern) chain. These guys source high-quality and sustainable ingredients from farms that they will gladly tell you all about. They do classics better and do original creations that you didn't realize you absolutely need in life. Mendocino also has the NICEST employees, it's actually slightly creepy.
Favorites: Peruvian Steak Sandwich, Prosciutto & Mary's Chicken, A Sandwich Study of Heat, The Hot Italian, Mendoza's Chimichurri Steak on Pretzel
Bad Ass Tacos (Thousand Oaks)
Yet another quality taco spot, each being $1.75. Favorites: Al Pastor, Short Rib, Lengua, Cabeza
LA County:
Seafood City (various LA locations and OC locations)
Comfort Filipino food served "turo-turo" style from a supermarket. Think of it like a buffet with all the options ready, tempting you to choose them. For $8.99, you get 2 entrée choices plus rice or noodles, making an excellent Filipino combo. For breakfast, it's $3.99 for a protein, garlic rice, and egg.
Din Tai Fung (various locations)
XLB aka xiao long bao aka some of the best soup dumplings you can have. Period. They also pristinely execute all their other dishes like the Shrimp & Pork Spicy Wontons, Pork Chop Fried Rice and Garlic Green Beans. My favorite location is in Costa Mesa for their large menu.
Jon & Vinny's (Fairfax)
One of my favorite Italian spots in LA for 1) the modern and fun vibes and 2) the simply outstanding Italian. Their playlist is also my jam: think lots of Drake and Spotify's Top Hip Hop
Eat Chego (Chinatown)
Go to Eat Chego for one reason: Chubby Pork Belly Bowl. Done and done.
Howlin' Rays (Chinatown)
Hottest chicken in LA, figuratively and literally. They are known for their hour long wait times at any time of day and super spicy howlin chicken, but Howlin' Rays truly is tremendous. While waiting on line, you can get Chego to nosh on (in the same Far East Plaza) and then order the Medium Chicken Sando and some regular fried chicken – the spice is real, so be careful. They update their wait times (and sometimes have sick giveaways) on their social media all day
Egg Slut (various locations)
Egg sandwiches brought to the next level. Buttery, creamy, and worth the hype. As my brother says, "You'll feel like a little slut eating this, and it will feel so good."
Sweetfin Poké (various locations)
The best poké outside of Hawaii IMHO. (IMHO – in my honest opinion, an acronym that I just figured out a couple weeks ago)
Porto's Bakery (various LA and OC locations)
It doesn't matter what time or which day you go, this place is always PACKED. For good reason. Porto's is known for their famous 85 cent cheese rolls, which you 100% have to get, but I think everything else is equally excellent.
Other must orders: Dulce de Leche Kisses, Potato Ball, Dulce de Leche Latte (Hot or Iced), and any/all of their sandwiches and rice plates.
Cha Cha Chicken (Santa Monica)
Jamaican Jerk Chicken at a low key, BYOB spot in Santa Monica. Also make sure to get their homemade bean dip and chips at this tropical, laidback gem.
Sushi Bar LA (Encino)
17 Course Omakase for $125/person that takes from Japanese culinary tradition and cultural custom of excellent service but takes creative liberty when it comes to the food to create things like Torched Bone Marrow Nigiri and Uni Marshmallow Nigiri.
Cholada Thai Café (Malibu)
My favorite Thai place in LA. Everything is solid, super comforting and is infused with that home-cooked feeling you simply can't buy.
Favorites: Tom Yum Soup, Golden Bags, Sapalod Curry, Nam Sod Kaw Tod, Panang Sea Bass, Pad Thai, Mango Sticky Rice (a must when it's in season)
Malibu Farm (Malibu)
I go here on average once a month. It is the epitome of a quintessential Southern California dining experience. Fresh, simple, quality, and farm-to-table, where the difference is in the quality of produce. Dining on Malibu Pier overlooking the Pacific doesn't hurt either.
Favorites for breakfast: Breakfast Burrito, Farm scrambled eggs + smoked salmon
Favorites for lunch or dinner: Chicken Ricotta Bacon Burger, Cauliflower Crust Pizza, Spaghetti Squash Lasagna, Soy-Ginger Skirt Steak
Favorite Cocktails: The Papaya and The Grapefruit
Republiqué (La Brea)
Republiqué is an LA institution. From the baked goods to the simple, French/Italian focused food (which comes from Walter Manzke) infused with Asian influence (coming from his Filipino wife), everything is great in this remodeled chapel turned restaurant.
Favorites: Mushroom Toast, Kimchi Fried Rice, Today's Quiche, whatever pasta they have on menu, Chocolate Caramel Sea Salt Cake
Tsujita (various locations)
I like Tsujita's solid, dependable ramen and I LOVE their Dan Dan Noodles, Tokyo Style with medium spice.
Cal Mare (Beverly Hills)
Southern Italian x California cuisine at its finest – fused perfectly together to create a great dining experience.
Parks BBQ (Koreatown)
HIGH quality KBBQ in Koreatown. It's the best, and the price reflects that.
Quarters BBQ (Koreatown)
If you don't want to break the bank but still want delicious KBBQ, Quarters is your go-to because you will pay a quarter of the price, and it will still be great. Just expect a long wait, especially on the weekend.
Sun Nong Dan (KTown and San Gabriel Valley)
Classic Korean Braised Beef Short Ribs that will warm your soul.
Gus' Fried Chicken (Burbank and LA)
Fantastic southern Fried Chicken that's super crispy on the outside and tender on the inside. You must save room for their Chocolate Chess Pie.
Bavel (DTLA – Arts District)
The BEST Mediterranean restaurant I've ever been to and one of the best restaurants overall. LA's newest hotspot is packed for dinner every night, and it's because it's simply sensational
Favorites: ALL the carbs – the pita, fried pita, and buckwheat loaf are to die for ; Hummus, Farm Cheese, Grilled Prawns, Oyster Mushroom Kebab
Marisco Jalisco (LA)
Shrimp Tacos wrapped in a crunch fried tortilla topped with salsa and avocado. That is all you need from this seafood taco truck.
Leo's Taco Truck (LA)
The CLASSIC Al Pastor Tacos at Leo's truly are superior. Try not to drool when you watch them shave that rotating, glistening meat in front of you.
Salt & Straw (various but my favorite is Venice)
Fantastic, unique (sometimes too unique) small-bath ice cream; if you're looking for classic plain Jane flavors, you won't find too many of that here, but it is simply some of the best out there.
Gjelina (Venice)
They praise seasonal vegetables here at Gjelina, and they prepare them beautifully. I also really like their wood-fired pizzas at this Venice hot-spot.
Orange County:
242 Café Fusion (Laguna Beach)
Probably the most creative sushi you can ever find at this small hidden gem on North Coast Highway. Chef and owner Miki is an artist by nature and creates beautiful and innovative masterpieces with Japanese ingredients as her canvas and inspiration. I love everything I've had here, each dish being its own beauty of dynamic flavors.
Must Order: Seared Foie Gras and Toro Nigiri, Truffle and Porcini Eel Nigiri, Rainbow Cloud Scallop and Shrimp Sashimi, Sexy Handroll, Laguna Canyon Roll, Hot Rock Roll, Spicy Jewelry Roll
Another Kind Café (Laguna Beach)
This family-owned and run Vietnamese spot takes their childhood directly into this restaurant, and the result is wonderful.
Laguna Beach Wine Gallery (Laguna Beach)
Owner Chris Olsen is so knowledgeable about wonderful wines and has an extensive and excellent list. Let him guide you to find the perfect glass for you to fall in love with.
Sapphire Laguna (Laguna Beach)
Global-inspired cuisine is the thing at Sapphire, and Chef and Owner Azmin curates a fantastic seasonal menu that changes every four weeks. I've been for both brunch and lunch, and it's always quality and creative.
Driftwood Kitchen / The Deck (Laguna Beach)
In my opinion, one of the best oceanfront dining options in Laguna, where you get premium views, without paying a premium or sacrificing the quality of food and drinks. The Deck is a bit more informal, while Driftwood Kitchen is a bit more posh, so just choose your preference.
Driftwood Favorites: Grilled Spanish Octopus, Lobster Spaghetti Carbonara Rustichella D'Abruzzo
The Deck Favorites: Oysters, Sea Bass
Skyloft (Laguna Beach)
My favorite rooftop happy hour option in Laguna with excellent cocktails, bites, and vibes. They also happen to have a fantastic brunch as well.
Favorites: Bourbon Mimosa, Georgia Peach Cobbler, Loco Okimoto (which is a brunch item but you can order this at any time of day), Breakfast Sandwich, Stuffed Avocado
Sidecar Doughnuts (Costa Mesa)
The best doughnuts. That is all. They bake them fresh every hour, and they are just super moist, perfectly cakey without being too dense, and SO DAMN GOOD.
Favorites: Huckleberry, Butter & Salt, Basil Eggs Benedict
Urth Caffe (various LA and OC locations)
Premium organic coffee, tea, and healthy food options. The menu is large and can be overwhelming, but it's all pretty great. I LOVE the Rising Boba Sun and Spanish Latte.
These are the places that I've been to recently and LOVED, but I just can't put on here because I've only been once and almost always need to vet places multiple times
- The Ramen Joint (LA): fantastic ramen spot right near LAX
- Eat Jame (LA): another excellent option right near LAX in El Segundo. The Italian food here is classically delicious
- Marugame Udon (LA): the Chipotle of Japanese udon and tempura; it's incredible
- Jeong Yuk Jeom Korean BBQ (LA): dry-aged quality meat at this fantastic KBBQ spot
- Rice Bar (LA): flavorful and modern Filipino rice bowls in DTLA


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Best Tourist Season (September – March)
Airport: Nearest Airport is Jodhpur 243 km.
Railway: Bikaner is linked by rail with Delhi, Jaipur, Jodhpur, and Udaipur.
Road: Ajmer 290 km, Delhi 495 km, Deshnok 40 km, Falaodi 165 km, Jaisalmer 330 km, Jodhpur 245 km, Jaipur 358 km, Khimsar 153 km, Kishangarh 360 km, Mandawa 190 km, Manwar 270 km, Nagaur 126 km, Nawalgarh 240 km, Pokran 228 km, Pushkar 258 km, Roopangarh 240 km, Samode 288 km
Bikaner – a city in the northwest of Rajasthan State, founded by Rao Bika in 1486 and from its small origins it has developed into the fourth largest city in Rajasthan.
Bikaner is famous for its "Bikaneri Bhujia" (a spicy Indian snack made from moth dal, spices and edible oil, consisting of fried onions, similar to potato fritters). Bikaner is also famous for its handicrafts, leather articles, its palaces and having asia's biggest camel farm.
The city, Bikaner, is also known for its intricately carved Jharokas. These stone screens are found on the windows of forts and havelies – traditionally, women would use the screens to watch the world while remaining hidden
Bikaner located at 28.01° N 73.19 ° E
Average elevation 243 mtrs (797 feet).
Bikaner is 38.10 km (104 sq m)
Bikaner is situated in the middle of the Thar Desert with very little rainfall and extreme temperatures.
Summer maximum of 46°C and minimum 35°C
Winters maximum 24°C and minimum 13°C
Railfall 31 cm (annual)
Population – 644,406 (as of 2011 India census)
Males – 53%
Females – 47%
Bikaner has an average literacy rate of 79%, higher than the national average of 74.04%.
Male literacy is 87%, and female literacy is 71%.
In Bikaner, 14% of the population is under 6 years of age.
Sightseeing in Bikaner
Lalgarh Palace:
Ganga Golden Jubilee Museum:
Gardens and Parks:
Bhandasar Jain Temples:
Camel Breeding Farm:
Devi Kund:
Gajner Wildlife Sanctuary:
Deshnok's Karni Mata Temple:


text: DCA Live Coaching Call Friday 01 12 2018 Adding products using Oberlo January 12, 2018January 18, 2018J.R. FisherJR Fisher via https://youtu.be/SvjnMgzXJho Related posts: How To Profit Online From Thousands of Holidays – with a Shopify Store How To Make Your Shopify Store Profitable 10 6 17 shopify coaching call How many hours should you work? Learn what to do to succeed


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Below you will find a list of the pet stores & services in Chester, CA. These 2 pet stores & services are organized by their distance from Chester. The closest businesses to Chester are Donna's Poodle Salon on (Chester) in the category Pet Grooming & Washing and Treats Dog Company on Main (Chester) in the category Dog & Cat Foods Retail.
1. california shops, shopping malls and districtsCalifornia Beach Hotels · Casinos · Golf Resorts · Kids Vacations · Pet Hotels · Spa Hotels · Tennis Hotels ... California Shops and Shopping Malls or Shopping Districts are some of the greatest places to ... Chester Lane, Bakersfield CA ..... Pismo Beach doesn't offer much in the way of food services, but it contains a discount ...
2. california events - event calendar with california ongoing events ...Oct 26, 2008 ... Location: Kern County Museum, 3801 Chester Ave., Bakersfield, CA 93301. ...... After the parade, stores will remain open for Holiday shopping & wagon rides, ...... which benefits the Mountain View Community Services Agency. ...... FERNDALE - Pet Parade. Children 12 and younger parade costumed pets ...
3. kern county landmarks - kern historical landmark listCalifornia Beach Hotels · Casinos · Golf Resorts · Kids Vacations · Pet Hotels · Spa Hotels ... Miller and Lux established their headquarters and store here about 1885. ... Location: City Hall, SW corner of Truxtun and Chester Aves, Bakersfield ..... 1843-44, and was honored for his services at the Battle of San Pasqual in 1846. ...
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People don't pick up good money habits naturally. Nobody goes around sharing how they were born with a (natural) talent in financial planning matters.
Financial prudence comes with a price. You either learn them from your past mistakes, or you are constantly updated with new tools and apps to track your monthly spending.
The majority of us will own our first credit card(s) once we join the workforce. And we've all heard the horror stories about how young Singaporeans have messed up their credit scores and are in credit card debts because of their poor money management habits.
Read also: Why It Is Important To Understand Your Own Credit Score
When you start using credit cards as an adult, it also means you start spending like an adult. The expenses that we are talking about could amount to thousands of dollars on a gym membership, expensive fine dining, and Prada bags.
Is it a risk to pick up good monetary habits only when you reach adulthood? Here's our take on why it makes sense to start owning a credit card from young.
Encourages Good Credit Habits
Many parents may not agree with this concept but starting young allows you to learn from your own mistakes. Young ones will start using their credit cards when handling small purchases like books, movie tickets, and food.
With a credit limit of $500 and no minimum income required, the early introduction of credit cards will expose you to the adult world, where you have to pay monthly credit card bills. It will most likely be your first experience with budgeting, learning new financial terms like Credit Scores, and scheduling bill payments.
To manage your credit card bills, consider downloading a free personal finance assistant such as Seedly. This app, which is available on mobile, allows you to quickly breakdown your credit card spending into various categories. You can see automatically how much you are spending each month for instance on groceries at NTUC across all your various credit cards without having to key in each entry manually.
The best part about Seedly is that it can even tell you how much you are saving each month, and what is the "best credit card" that you should be using based on your type of spending.
Prepare For Emergencies When Overseas
Students these days are given more opportunities to go overseas as compared to our parents' era. It can be comforting for parents to know that their children will have access to emergency money during their vacation with friends or their overseas exchange programme.
For example, if they miss a flight, they can easily rebook one with their credit card. This is the same for unexpected medical expenses or even car rental while overseas. You can't deny that credit cards have made parents' lives much easier.
Rewards Help Save Money
Needless to say, the joy of using a credit card comes from the exclusive discounts we get from partnering merchants. The Citi Clear Card is well known for the fantastic dining deals at top restaurants in Singapore and free entry to Zouk Club.
For students who indulge in online shopping and travel frequently, the DBS Live Fresh Visa Student Card would be a good credit card to have. You get to earn 3 times the DBS Points on online purchases and travel bookings.
There is always a learning curve to deciding which payment mode or credit card can optimise your purchasing power. Such a skill set can be taught earlier when you are younger. As the saying goes, "Money is a tool. Used properly it makes something beautiful – used wrong, it makes a mess!"
Once you own a credit card, it is important to remember that this passport into the adult world comes with great responsibilities. As what Peter Parker would say, "with great power comes great responsibilities". You should only swipe that credit card when you know you can afford to pay off the purchases.
Read also: How Your $10,000 Credit Card Purchase Can Become A Living (And Growing) Nightmare
Stay At Home & Shop Overseas Online
Stuck at home during the circuit breaker period? With YouTrip, you can pay for your online shopping and subscriptions in over 150 currencies with no fees and the best exchange rates. YouTrip is free to sign up by downloading the app and you will get your own YouTrip Mastercard for overseas online shopping.
YouTrip X DollarsAndSense Exclusive: Just for DollarsAndSense readers, use the promo code DNS5 during sign-up to receive an additional $5 in your YouTrip account!


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This morning while the family was having breakfast and doing the morning routine, the news program ran a fluff piece about Jamie Lynn Spears, the 16-year-old "Zoey 101" star and the fact that she is pregnant. The CNN article online was even more of a bit of fluff with a quote by Ms Spears
"It was a shock for both of us, so unexpected," she said. "I was in complete and total shock and so was he."
Seems like if your going to be doing the tube snake boogie, you might possibly foresee that one of the possible consequences would be pregnancy. She is further quoted taking the moral high ground on teen pregnancy
"I definitely don't think it's something you should do; it's better to wait," she told the magazine. "But I can't be judgmental because it's a position I put myself in."
Well, Another brilliant and deep thought from a member of the entertainment industry. I guess it goes to show you that you can take the girl out of the trailer park but...
Now we have another contender for dumb bimbo of the week, Too bad she will have to compete against Sis and her antics. Even worse, being the holidays and slow on the news front I am sure that the MSM will beat this to death.
Now if the world was really a fair and just place, a New York Times article brings up the fact that
one angle that hasn't figured in the coverage. The father of the child is variously reported to be 18 or 19 years of age, and she is 16. We don't know exactly where they were 12 weeks ago, and frankly don't want to — but prosecutors might. In Louisiana, where they both live, the age of consent is 17, and what obviously must have gone on between them might qualify as criminal carnal knowledge of a juvenile in that state — either a felony or misdemeanor, depending on just how old he is.
In California, where she stays while the show is being shot, the age of consent is 18, and the relevant charge would be unlawful sexual intercourse, a misdemeanor.
I do know as the father of a daughter, my tactic for deterring gentlemen callers when she reaches that age will kill the first few and pike the heads in the yard. The better half doesn't agree.. But a thought just the same.


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The Council is composed of individuals with developmental disabilities, family members, interested parties, service providers, and representatives from state agencies.
I. Council Members
- Julia Bell, Council Chair
County: Pierce
- Shamra Baez
County: Walla Walla
- Thomas (TK) Brasted
County: King
- Maggie Craughan
County: Pierce
- Kelly Hill
County: King
- Thanh Kirkpatrick
County: King
- Anthony Nash
County: Benton and Franklin
- Filiberto Ontiveros
County: Klickitat
- Adrian Patayon
County: Snohomish
- Mike Raymond
County: Pierce
- Ronnie San Nicolas
County: Thurston
- Suzanne Searles
County: Pierce
- Pat Shivers
County: Pierce
- Adrienne Stuart
County: Pierce
- Donna Tiffan
County: Klickitat
- Ryan Troyer
County: King
- Courtney Ward
County: Chelan
II. Principal State Agencies
- (1) Developmental Disabilities Administration
Agency Administrator: Evelyn Perez
Agency Designee: Shannon Manion
Appointed: Ex-Officio
- (2) Division of Vocational Rehabilitation
Agency Administrator: Rob Hines
Agency Designee: Katie Mirkovich
Appointed: Ex-Officio
- (3) Health Care Authority
Agency Administrator: Dorothy Frost Teeter
Agency Designee: Mark Westenhaver
Appointed: Ex-Officio
- (4) Aging and Long-Term Support Administration
Agency Administrator: Bill Moss
Agency Designee: Tavares Terry
Appointed: Ex-Officio
- (5) Department of Health
Agency Administrator: John Wiesman
Agency Designee: Michelle Hoffman
Appointed: Ex-Officio
- (6) Office of the Superintendent of Public Instruction
Agency Administrator: Chris Reykdal
Agency Designee: Janice Tornow
Appointment: Ex-Officio
- (7) University of Washington/Center on Human Development and Disability
Agency Administrator: Mike Guralnick
Agency Designee: Sherrie Brown
Appointed: Ex-Officio
- (8) Disability Rights Washington
Agency Administrator: Mark Stroh
Agency Designees: David Lord
Appointed: Ex-Officio


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Category: Uncategorized
Internet Trend report 2017, a must read
Here is the link to Mary Meeker's, KPCB (Kleiner Perkins Caufield Byers), Internet Trend report 2017
Read: Internet Trend report 2017
It gives a great view on what's happening with Internet adoption, cloud, smartphones, ads, e-commerce, gaming, enterprise health, China, India and startups.
Key takeaways:
- Cloud wars continue
Amazon Web Services continues to lead, Google and Microsoft Azure are gaining some ground
- Google and Facebook own the digital ad market
- Voice is beginning to replace typing in online queries. 20% of mobile queries were made via voice in 2016
- Slowing smartphone and Internet penetration growth
Everybody who needs a smartphone has one
The Internet's center of gravity shifts to Asia
- Almost everyone who wants or needs a smartphone now has one.
- Healthcare industry is in a cycle of innovation, wearables contributing to the rise of consumer health data / data is at the core of healthcare innovation
- Online retail sales increased by 15% from 2015 to 2016 in the US / e-commerce is getting bigger worldwide
- YouTube is losing mobile video market share, because Facebook and Snap's vertical-video content grows
- eSports is becoming popular enough to challenge traditional sports
Office 365 Groups vs. Teams
A great post and summary from Loryan Strant about Office 365 Groups and Teams.
It provides a great overview how to deploy and what to consider.
Microsoft announced a preview of Team Flows
Team flows – A more collaborative experience for creating flows in Office 365
Users can now collectively author and maintain a flow.
Microsoft Flow is a service for automating workflow across the growing number of apps and SaaS services that business users rely on.
Read more: https://flow.microsoft.com/en-us/blog/team-flows/
Google Apps for Work has now a new name: G Suite
Google announced today that Google Apps for Work , is getting rebranded.
The company will call it "G Suite", beside that Google announced upgrades and improvements in G Suite's existing lineup, which includes apps like Drive, Docs, Spreadsheets, Slides, Calendar, Hangouts and more.
Google announcement: Google Cloud Blog: Introducing G Suite
Microsoft Ignite 2016
Microsoft Ignite 2016
Keep pace with the deployment speed of cloud services? Is your IT support organization ready for that?
Do you believe that traditional IT support organizations are ready to keep pace with the deployment speed of public cloud services like Office 365, Google Apps for Work or AWS Cloud IaaS, …