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> Summer Food Service Program
Program Description:
The Summer Food Service Program provides free, nutritious meals and snacks to children in low-income areas. The program helps children get the nutrition they need to learn, play, and grow, throughout the summer months and grow during other long periods when they are out of school.
General Program Requirements:
All children and youth (up to age 18) who come to an approved food service site are eligible to receive free meals. Sites serving adults who are enrolled in educational programs for persons with disabilities may also be eligible to participate in the Summer Food Service Program. Sites must either be located in low-income communities or serve primarily low-income children. At certain sites, such as residential camps, benefits are available only to children, and to adults with disabilities, whose families meet the income standard for free or reduced-price meals. Children qualify to receive free or low-cost meals while they attend school (high school and under) if their families?? household incomes meet the current income eligibility guidelines.
Children who participate in certain other programs, such as Supplemental Nutrition Assistance Program (SNAP) or Temporary Assistance for Needy Families, and children who are migrant, runaway, or homeless are automatically eligible for free meals. You can find out what the maximum income limits for eligibility are at http://www.fns.usda.gov/cnd/Governance/notices/iegs/IEGs.htm
Loan Terms:
Not Applicable
Application Process:
Contact the child nutrition agency in your state to find out how children receive summer meals in your community. The Food and Nutrition Service provides program and state contact information here: http://www.fns.usda.gov/cnd/Contacts/StateDirectory.htm
Program Contact Information:
For more information, visit: http://www.summerfood.usda.gov
Managing Agency:
U.S. Department of Agriculture http://www.usda.gov/


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Every time you make a purchase at Cool-jams did you know that you help us support many charities here in the US and around the world. Cool-jams' CEO and founder Anita Mahaffey, believes that giving back is an obligation that all businesses should consider as part of their corporate mission. She created a brand and culture that authentically values giving back and making a positive difference in the community. Each year we try to make a difference by donating our time, products and a percentage of profits to a variety of well deserving charities. Learn more below.
Between domestic violence prevention and providing help to children in foster care, a large percentage of our corporate donations goes to helping several noteworthy charities near and dear to our hearts. Our hope is to someday aid in eradicating domestic violence and creating a better world for children and families around the world.
At Cool-jams we believe that education can make a huge impact on people's lives, not only to an individual, but to entire families for generations to come. Education is the gift that keeps giving. Each year a portion of our corporate donations goes to charities involved in education.
Many of our customers tell us that they suffer from sleep disturbances due to a medical reason. These reasons vary from cancer, diabetes, hyperhidrosis, MS and a variety of other issues. In support of our loyal customers, each year a portion of our donation budget goes to medical research and disease prevention.

subset: commoncrawl


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Lack of political will leads to problems for Earth
Back in 1999, the Government overhauled the original Commonwealth environment laws that were introduced by the Whitlam Labor government. The old laws needed updating and the Government obliged, creating the loftily titled Environment Protection and Biodiversity Conservation Act. While an improvement on the original laws, the EPBC Act has proven to be a failure, largely because of a lack of political will.
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12 December 2006


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When I went to town ahead of the blizzard,
I ran into an old acquaintance and found
myself standing in the feed store
listening to an impromptu Pentecostal sermon
and getting a fairly accurate psychic reading
while being empathetic to the chaos of her life.
The store was out of corn.
Just a normal day.
This is my contribution to this week's Friday Flash (Non)Fiction 55. Write a story or poem in exactly 55 words and then go tell G-Man.


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Simpson Amendment Ripped in Editorial as $37 Million is Removed from Bridge Plans
State Representative Arnold Simpson, a Democrat from Covington, is the target of a scathing editorial in the Cincinnati Enquirer on Wednesday after the long-serving legislator was successful in attaching amendments to House Bill 407 that would prevent the use of tolls as a financing mechanism on the Brent Spence Bridge project.
HB 407 passed the Kentucky House of Representatives on Monday by an overwhelming margin, 82-7, and moves to create the option of public-private partnerships in which private firms can take over public projects.
Prior to the vote, a state highway plan had a proposed $60 million allocated toward the $2.6 billion bridge project that was characterized as allowing the project to move forward.
Following the vote, a House committee stripped $37 million of that fund. The Cincinnati Enquirer's Amanda Van Benschoten reports:
Together, those two actions have supporters of the Brent Spence Bridge replacement worried.
"If that $40 million stays out (of the road plan), that's going to be a very, very serious setback," said (former US Represeantitive Geoff) Davis, who spent more than seven years in Congress trying to advance the project.
The problem is, Northern Kentucky lawmakers and many of their constituents are adamantly opposed to imposing tolls to help pay for construction of the $2.6 billion megaproject, which includes a new span over the Ohio River and the reconfiguration of a 7.6-mile stretch of Interstate 75.
And that wasn't the only ink Simpson's move got in the Enquirer. The Cincinnati paper's editorial board targeted the amendments on Wednesday:
Simpson's parochial legislation would affect a critical link in one of the busiest interstate highways in the United States. It's not just a Northern Kentucky issue; it's an Ohio issue and a national issue. The bridge carries 160,000 vehicles a day, including 30,000 trucks. It's a scene of traffic gridlock nearly every day, and it's only going to get worse. It's estimated bridge traffic will grow to nearly 250,000 vehicles daily by 2040. Today's traffic jams will look tame in comparison.
Simpson's move would tie the hands of Kentucky legislators by taking a viable financing mechanism off the table. Why limit the options for this part of Kentucky while the rest of the state moves forward with new ways to pay for needed public projects?
Simpson's amendment is a potential disaster for the entire region. Already, a Kentucky House budget committee has moved to strip $37 million in state funding from the Brent Spence project and redirect it elsewhere.
Meanwhile, Simpson told cn|2 on Tuesday that the removal of the $37 million was not unexpected:
"What we did today in committee and on the House floor was only the beginning of the budgetary process," said Simpson, referring to the two- and six-year road plans that came out Tuesday. "The important measure is going to be the fruits of the conference committee. That's going to really tell the tale of the funding support of the Brent Spence project."
Northern Kentucky Chamber of Commerce interim President Brent Cooper expressed his disappointment to WXIX:
Studies show 172,000 vehicles cross the bridge daily. Furthermore, studies have shown that more than 3 percent of the nation's gross domestic product crosses the bridge each year tallying $417 billion. It's predicted that by 2030, $830 billion in gross domestic product will cross the bridge.
"We've been working on this for 13 years. We have all these studies. We've done all this work to get to this point, and for this to get delayed again is unimaginable," Cooper told FOX19.
Cooper had previously characterized the amendments as "the Simpson Shutdown", a remark for which he later apologized to Simpson. At Tuesday night's Covington City Commission meeting, Rep. Simpson's efforts were applauded by two city commissioners.
"This has been characterized by some people as a shutdown but as I've indicated, it's a thoughtful pause," said Commissioner Chuck Eilerman. He noted concerns about streets in the city's Lewisburg neighborhood, access to Devou Park, a new interstate exit on both sides of Ninth Street, and other infrastructure details as concerns that he does not believe have been fully addressed by the bridge planners.
"There are a number of details in need of more consideration. Neither (Simpson) nor anyone else wants to shut down the project. We don't opposed (public-private partnerships) in general and we don't oppose the bridge project," Eilerman said.
Commissioner Steve Frank agreed. "I think it's a good idea to take a year or two to see if we can't get this thing worked out to more of our satisfaction," Frank said.


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No. 23 GymDawgs Selected For NCAA Regionals In Salt Lake
March 29, 2010
SEATTLE - The No. 23 Washington gymnastics squad was one of 36 teams selected Monday to compete in the 2010 NCAA Gymnastics Regionals, with the Huskies heading to the Salt Lake City regional hosted by the University of Utah, Saturday, April 10 at 5 p.m. PT.
The Huskies are coming off a fifth-place finish in the Pac-10 Championships, one of the toughest conferences in the country. The conference will send six of the seven schools with gymnastics teams to the NCAAs, with UCLA and Stanford each earning No. 1 seeds. UCLA will host a regional while Stanford heads to West Virginia. Oregon State, meanwhile, earned a No. 2 seed and will travel to Columbia, Mo., while Arizona and Arizona State will head to the UCLA regional.
The Huskies join host Utah and No. 1 seed Florida in Salt Lake City, along with Auburn, Boise State and Denver. Florida is ranked No. 4 nationally, Utah is No. 10 and Auburn is No. 16. Boise State and Denver are also ranked in the top-25, coming in at No. 19 and No. 22, respectively. The Huskies have already faced Utah this season, falling 195.850-194.650 in late January in Seattle.
UW, Utah and Boise State were all at the same site last year as well when the Huskies hosted regionals. Utah won the meet while the Huskies finished fifth and Boise State took third.
The top two teams and the top two all-around competitors (who are not on an advancing team) from each regional will receive an automatic berth to the national championships in Gainesville, Florida, April 22-24, hosted by the University of Florida.
In addition, the event winners at the regional championships will advance to the national championships (in that event only) if they are not part of a qualifying team or the all-around qualifiers.
For more information regarding the National Collegiate Women's Gymnastics Championships, log on to www.NCAA.com.
Below is the complete field for the 2010 NCAA Gymnastics Regionals:
Salt Lake City Regional - Utah (University of Utah, host)
1. Florida
2. Utah
3. Auburn
4. Boise State
5. Denver
6. Washington
Los Angeles Regional - California (University of California, Los Angeles, host)
2. Arkansas
3. Iowa State
4. Arizona
5. Brigham Young
6. Arizona State
Columbia Regional - Missouri (University of Missouri, Columbia, host)
1. Georgia
2. Oregon State
3. Missouri
4. Minnesota
5. Iowa
6. North Carolina
Lexington Regional - Kentucky (University of Kentucky, host)
1. Alabama
2. Nebraska
3. Illinois
4. Kentucky
5. Central Michigan
6. Michigan State
University Park Regional - Pennsylvania (Pennsylvania State University, host)
1. Oklahoma
3. Penn State
4. Maryland
5. Ohio State
6. New Hampshire
Morgantown Regional - West Virginia (West Virginia University, host)
1. Stanford
2. Michigan
3. Southern Utah
4. North Carolina State
5. Kent State
6. West Virginia
Pac-12 PlaylistThu 6/4 | 7:00pm PTLive
Pac-12 PlaylistMon 6/8 | 7:00pm PTLive
Pac-12 PlaylistThu 6/11 | 7:00pm PTLive


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Most Stylish and Afforable Home Decor From Rivet on Amazon
22 Pretty and Affordable Decor Items You'll Never Guess Are From Amazon's Home Line
As POPSUGAR editors, we independently select and write about stuff we love and think you'll like too. POPSUGAR has affiliate and advertising partnerships so we get revenue from sharing this content and from your purchase.
Rivet Mid Century Modern Diamond Cut Concrete Bedside Table Desk Lamp
This Rivet Diamond Cut Concrete Bedside Table Desk Lamp ($63) is so cool and modern.


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- Join Now
- About Us
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Connect. Learn. Grow.
Membership includes membership in local Cachet Business Network Chapters. CBN chapters supports business owners and entrepreneurs across the nation. Chapters provide members with the opportunity to build a local network of peers to share knowledge, exchange resources, and collaborate on projects.
Join a chapter near you and build your business knowledge.
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Tour of the most complex and fascinating territory in the world; the Flegrean Fields. Visit to the Acropolis of Cuma and the grotto where the Sybil prophesied; boat-trip across the 'infernal' lake Avernus, which the Romans made into the inner basin of a military harbor linked to Cuma; bathing in a pool amongst sulfur fumes; stop at Pozzuoli to admire the temple of Serapis, one of the world's most evocative and enigmatic monuments, and the Solfatara (sulfur –field) with the fumaroles characteristic of quiescent volcanic activity. Seaside lunch at Bacoli, the home of Nero's mother Agrippina, whom he had murdered. Afternoon trip to Baia, celebrated by the poet Horace: 'cento Camerelle', the 'wondrous pool' and archeological park. With a special permit, the ruins of the submerged city can be viewed from a transparent-bottomed boat.
ngst Sybil


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What is the BDS?
Welcome to Bolton Deaf Society. We are a non-profit charity, supporting the Deaf and Hard of Hearing people in the community. Our Centre has been here on Bark Street for over 40 years. The Centre is well known within the Deaf Community as we provide social events for the Deaf and Hard of Hearing on a weekly basis. Possibly what is not very well known, is the fact that we have a chapel within our building, where signed services are held on the first Tuesday of every month. As our chapel is part of the Diocese of Manchester, we can accommodate private services such as christenings or funerals.
We have a first floor function room and staffed bar, that can accommodate up to 100 guests, which can be hired out for most occasions, also kitchen facilities are available.
Feel free to look around our site, if there are things you would like to know more about, then please contact us, we will be more than happy to help.
Bolton Deaf Society is a Hate Crime Reporting Centre, working closely with Bolton Council and the Greater Manchester Police, to reduce the amount of hate crime in our local area.
We are part of a wide network of professionals that can help with a variety of needs, so if we are unable to help here at the Centre, we can sign post you to someone that can.


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About Yale
Yale's range of comfortable, easy-to-operate single or double reach trucks, order pickers and VNA turret trucks provide the productivity you need for your high-volume, high-density, high-bay operation.
Why Yale?
Low, mid- and high level Order Selectors, and Very Narrow Aisle (VNA) trucks enable efficient order fulfillment when collecting multiple items from different storage locations.
- Quiet effortless operation
- Greater performance with fast & efficient picking
- High density solutions


text: Seshi 1,831 Posted June 6, 2019 (edited) Having fun at the beach is the best part of summer! Especially in Anime EVERYONE HOLD ON TO YOUR LIKES. Don't hit that button lightly today. Submissions: Today Only! Submit one picture (screenshot, found online or otherwise) of what you think is the most fun beach scene from an anime. Winner: The one with the most likes, hearts, or reactions in general is the winner, SO PLEASE VOTE ONLY ONCE by liking the one you want to win. The winner of this contest will receive 1,000 points by tomorrow at 11:00am EST. Have fun! I look forward to seeing your submissions! Edited June 6, 2019 by Seshi Share this post Link to post Share on other sites


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Garibaldi Biscuits with a Difference – We Should Cocoa #24
Recipe for crisp homemade garibaldi biscuits with a difference. These ones are heavily studded with hazelnut chocolate rather than currants. Why not. Read on to find out how to make them and also what Garibaldi was up to in Cornwall.
General Giuseppe Garibaldi
I'm not quite sure why, but when I found out the "special ingredient" for this month's We Should Cocoa challenge hosted by The KitchenMaid, was fame, Garibaldi was the very first name that sprang to mind. Giuseppe Garibaldi played a prominent role in the Unification of Italy in 1870, but as far as I remember from my school history lessons, he was THE figure, not just one of them. I suspect he particularly stuck in my mind because of the famous biscuits named after him.
His story seemed rather a romantic one to my somewhat naive mind; with his famous volunteer army dressed in Red Shirts for want of real uniforms, storming across Italy in a bid for independence and deposing despots as they went. He was much admired by Victor Hugo, Georges Sand and Alexandre Dumas, all heroes of mine at the time. He did indeed achieve a lot in his lifetime and led an interesting life – you can read more about him here.
Garibaldi in Cornwall
I recently found out we have a local connection to him in my part of Cornwall. How very exciting. Trenython Manor, which is not too far from us, was built in 1872 and the architect was commissioned by Garibaldi. It was a thank you to Colonel Peard, who had supported his Italian Campaign a few years earlier along with the Duke of Cornwall's volunteers. Indeed, Garibaldi visited the Colonel in Cornwall in 1864 and was greeted by crowds of cheering well-wishers.
Garibaldi Biscuits
For those unaware of Garibaldi biscuits, they are rectangular, flat, pastry like bakes, heavily studded with currants. They're a British classic, but are so named in recognition of the limited rations the Red Shirts carried with them. We used to call them squashed flies when I was young. They were a firm favourite, principally because it was one of the few shop bought biscuits my mother would allow; it must have had something to do with all those currants. I've no idea if they're still made, I haven't had one in years. In fact I might just have to go down to the shops right now and find out.
Chocolate Chip Garibaldi Biscuits
My version of garibaldi biscuits is based on the recipe from British Baking by Peyton and Byrne. Instead of currants, I of course used chocolate. But not just any old chocolate: fairtrade hazelnut chocolate. Fairtrade chocolate is something generally use as a matter of course, but I thought I'd mention it as it is Fairtrade Fortnight at the moment. I'm sure Garibaldi would've approved. I used a mix of half wholemeal flour and half white. Many shop bought biscuits often have malty notes to them, so I threw in a tbsp of mesquite powder, which I thought would emulate the flavour.
I was pleased to discover that my biscuits tasted like my memories of the real Garibaldis, even though mine were heavily studded with hazelnut chocolate rather than currants. In fact, they were quite delicious and I will most definitely be making them again.
They were perhaps a little thicker than the originals, but were crisp with the right texture and eminently suitable for dunking. They were sweet enough, but not overly so with the hazelnut chocolate making a good substitute for the currants. Where better to store them than in a fun new tin I was sent recently.
NB – I did go to the shops and I did find Garibaldi biscuits and I had to buy a packet too. I was annoyed to find that palm oil was listed as one of the ingredients rather than butter. But other than that the ingredients weren't too bad with currants at 39% being the top one. They weren't too sweet either and although mine tastes far superior (though I say it myself), they are still not a bad little biscuit.
Take a Break Emergency Food Tin
Now what could be more delightful than to receive a tin full of homemade garibaldi biscuits on Mother's Day? Well, perhaps receiving the biscuits in this particular tin. The appearance and wording made me laugh as soon as I saw it: FOOD in case of emergency, take a break. It's strongly reminiscent of those fire alarm fixtures. Indeed hunger can be quite a serious matter in itself.
This tin is perfect for accompanying us down to the plot, where all breaks are very well earned indeed. This is especially true at this time of the year for there is always a lot of hard graft to be done. With its red and black warning colouration, it will be hard to loose in the undergrowth and when an emergency occurs and blood sugar levels plummet, it will be easy to find.
It's also just about the right size to carry a couple of sandwiches. And maybe some cake which is always welcome on our moorland and coastal walks. Once again emergencies have been known to happen in these situations. Relying on a mobile phone will do no good.
Weighing in at 256g, it's nice and light and measuring 20 x 8 x 15.5 cm, it has plenty of capacity.
As soon as I got my hands on the tin, I immediately filled it with these chocolate Garibaldi biscuits and we trooped off down the plot. That was one emergency averted – phew!
We Should Cocoa
This recipe for chocolate garibaldi biscuits is my fame entry to this month's We Should Cocoa, hosted by Lucy of The KitchenMaid. Good old Garibaldi!
Keep in Touch
Thanks for visiting Tin and Thyme. If you make these garibaldi biscuits, I'd love to hear about it in the comments below or via social media. Do share photos on your preferred social media site and use the hashtag #tinandthyme, so I can spot them.
For more delicious and nutritious recipes, follow me on Twitter, Facebook, Instagram or Pinterest.
Homemade Garibaldi Biscuits. PIN IT.
Garibaldi Biscuits – The Recipe
Chocolate Garibaldi Biscuits
- 140 g wholemeal flour
- 140 g plain flour
- 1 tbsp mesquite powder (optional)
- 1 teaspoon baking powder
- pinch of rock or sea salt (I used pink Himalayan rock salt)
- 110 g unsalted butter - cut into pieces
- 75 g golden caster sugar (I used cardamom sugar for extra flavour)
- 8 tbsp milk
- 100 g chocolate - chopped into small bits (I used Fairtrade hazelnut chocolate)
- 1 egg white
- Place the dry ingredients into food processor.
- Add the butter and sugar and whiz until the mixture resembles breadcrumbs.
- Add the milk a little at a time until the mixture starts to clump - you may not need all of the milk.
- Bring the dough into a ball with your hands and shape into a cube.
- Flour your worktop and roll the dough out to about 5mm in thickness. Trim the edges to make a square, then cut in half to form two rectangles.
- Sprinkle most of the chocolate over one half (leave a little for the trimmings). Top with the other half and squish the edges together to seal.
- Roll out to about 3mm in thickness, then cut into biscuit sized rectangles. Prick each one a few times with a fork and place on a lined baking tray.
- Brush with egg white and place on lined baking trays. Bake for 15 minutes at 180℃ until golden. Leave to cool for a couple of minutes then place the biscuits on a rack to cool completely.
35 Comments
belleau kitchen3rd March 2013 at 7:41 am
It's a genius theme and these are gorgeous biscuits. Great little history lesson too. Everything you could possibly want from a blog post!
Choclette3rd March 2013 at 9:37 am
Thanks Dom, it's good to have the opportunity of doing something a little different sometimes – well done Lucy.
Katie3rd March 2013 at 8:52 am
I'd forgotten about Garibaldi biscuits. My grandmother always had a tin of them in her cupboards! They were a sort of biscuit pastry with a filling of currents I seem to remember. These choc hazelnut ones sound delicious. Great twist
Choclette3rd March 2013 at 9:40 am
I'd forgotten about them as well Katie, which is why it was so strange they were the first thing that popped into my head when I heard the theme of this month's challenge. I was very pleased to be reminded – they are rather good biscuits.
Baking Addict3rd March 2013 at 3:58 pm
Such a coincidence that I was just reading about Garibaldi biscuits!! I have the same book and I've been looking through my books for inspiration for an afternoon I'm hosting next week. Great entry for WSC this month – I haven't decided yet what I'm making! PS love the biscuit tin!
Choclette3rd March 2013 at 4:54 pm
Sounds fun Ros – are you going to make Garibaldis?
The Caked Crusader3rd March 2013 at 4:59 pm
I have always had a fondness for 'squashed fly biscuits' as we used to call them…and adding chocolate is never going to make anything worse!
Choclette7th March 2013 at 1:05 pm
Well said CC 🙂
lapin d'or3rd March 2013 at 5:03 pm
I do quite a lot of the shopping for the tea and biscuits we have at work and avoiding biscuits with alm oil in is very difficult, and it annoys me too.
I loved Garibaldi biscuits as a child but your chocolate and hazelnut version seems the way to go, lovely post.
Choclette7th March 2013 at 1:17 pm
Thank you. It seems that quite a few of us enjoyed these as children, must have been the thought of those squashed flies. Not many commercial biscuits seem to use butter, as you say, it's very annoying.
The KitchenMaid3rd March 2013 at 5:43 pm
That's a fascinating post – having just read The Leopard I am well up on Garibaldi, but I never knew the story about the biscuits. I've never had one either – and now I really want one! Fab recipe and thanks for supporting my odd idea x
Choclette7th March 2013 at 1:20 pm
Immediately off to find out about The Leopard. A story about Garibaldi, if that is what it is, sounds just what I'd like to read. Love your odd idea and looking forward to seeing what others come up with.
Caroline3rd March 2013 at 6:46 pm
I used to love Garibaldi biscuits! What a nice take on them, and some interesting history alongside too.
Choclette7th March 2013 at 1:29 pm
Thanks C, it seems poor old Garibaldi biscuits have become much neglected, everyone says they used to eat them.
Phil in the Kitchen3rd March 2013 at 11:55 pm
Lovely recipe – that use of hazelnut chocolate is excellent. I loved Garibaldi biscuits as a kid but I hadn't eaten one for decades until I had one as part of a dessert in a fairly upmarket restaurant in Liverpool a few years ago. I was told at the time that Garibaldi visited England (that bit's true) and that the biscuit was invented after he accidentally sat on an Eccles cake. I have serious doubts about the last bit of that story.
Choclette7th March 2013 at 1:31 pm
Thank you Phil, I was rather pleased with the result. That story is hilarious, that such a biscuit was served in an upmarket restaurant and the squashed Eccles cake. I think you are right to have serious doubts about the latter, although I did know he visited England, on more than one occasion I think.
thelittleloaf4th March 2013 at 9:46 am
Squashed fly biscuits were always my favourite breaktime treat at school! Love the addition of chocolate 🙂
Choclette7th March 2013 at 1:32 pm
I think I'm going to have to start a campaign to get people eating Garilbaldi biscuits again – everyone is saying, they used to eat them.
Caroline - All That I'm Eating4th March 2013 at 1:09 pm
I love that biscuit tin! I love garbaldi and I imagine that chocolate ones are even nicer than the normal ones! I've not tried making my own before.
Choclette7th March 2013 at 1:34 pm
Thanks Caroline. It's a fun recipe to make – squashing the filling between the two bits of pastry is quite therapeutic.
Alida4th March 2013 at 2:06 pm
Mmm… interesting reading about Garibaldi. I remember studying that at school. I have never seen Garibaldi biscuits in Italy though. I find it interesting that they are called like that.
Your version with chocolate looks very yummy Choclette.
Choclette7th March 2013 at 1:36 pm
Thank you Alida. I think Garibaldi was a bit of a hero over here and when he visited England someone had the bright thought of naming a biscuit after him.
Katharine4th March 2013 at 6:35 pm
Great blog post! I always feel that Garibaldi gets overlooked outside Italy. I actually never liked the original biscuits but yours look and sound delicious – far superior in every way!
Choclette7th March 2013 at 1:37 pm
Thank you Katharine, you may visit again 😉
Angie's Recipes4th March 2013 at 7:11 pm
The biscuits look outstanding!
Lucy Taylor5th March 2013 at 8:07 pm
Well ya learn something new every day! Thanks for the history lesson. The biscuits look scrummy & are a lovely golden colour.
celia5th March 2013 at 8:16 pm
Yum! I'd like one of those for dunking with my morning coffee, please! And over here, squashed fly biscuits were fruit pillows.. 😉
laura@howtocookgoodfood5th March 2013 at 8:37 pm
Every ow & then I do but packet of garibaldi as I like to try and buy biscuits for the kids that aren't overly sweet & these fit the bill. The palm oil isn't great though which puts me off them. Yours, however look and sound like a far more sensible choice. I like making a batch of something sweet at the beginning of the week that can last me so these will be on the list. Thanks Garibaldi!
Emma5th March 2013 at 8:54 pm
Sounds good the chocolate garibaldi. Like the word squashed fly biscuits
Over a Cuppa5th March 2013 at 9:09 pm
Used to totally love Garibaldi biscuits or squashed fly biscuits as we used to call them too. These look lovely, now thinking could I make them gluten-free or just make them for the rest of the family and looking on in hunger!
Kit @ i-lostinausten6th March 2013 at 11:51 am
Yummy nutty biscuits! Great with a cup of tea! 😉
Hannah6th March 2013 at 12:59 pm
Chocolate instead of raisins or currants is always going to be a winner 🙂 I watched my husband eat an entire packet of garibaldis the other day – must make these for him!
Nazima FranglaisKitchen8th March 2013 at 3:03 pm
Lovely idea – I do like the texture and flavour of Garibaldi biscuits but these are such a great variation! I'm struggling with the Fame theme though…. will keep thinking!
larelle29th March 2013 at 1:13 pm
I have an aversion to dried fruit (NEVER eat fruit cake) being in foodstuffs so this variation of the Garibaldi is VERY appealing to me. They look gorgeous!
Claire smith1st April 2013 at 9:44 pm
These look delicious and the tin did make me chuckle!


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Debbie has always had a passion for music. In high school she joined her first band which took her on the road for a couple of years. Debbie then took a position with a national retail chain and it was during this time she was involved in Calgary's first singing telegram company. Debbie later took on a role with a major record label where she was employed for many years as a promo/sales rep for southern Alberta and Saskatchewan.
She has performed jingles and sung on numerous projects in the studio with other artists. Debbie has played in many bands over the years and is happy to say that she is one of the original founding members of Wildcard.
Jeff has been playing bass since he was 12 years old playing the Toronto bar scene as a teenager. He then pursued a career in the record business helping A list artists achieve their dreams and goals. He is a successful songwriter who has had some airplay and has even written a song that appears on a Fred Penner album. Now that's eclectic!
Gary has been a drummer since his early 20's. He started his musical career playing the Cabarets in Calgary. He would often freelance for many groups and jams and eventually Gary had the opportunity to be the opening act for groups Prism and Emerson Drive. Gary is proud to be one of the original members of Wildcard.
David started playing the guitar at the age of 13 and never looked back. At an early age he started to play in many cover bands throughout Calgary and now is the lead guitar player for Wildcard. David is a graduate of the Mount Royal Jazz Program and has also been a specialty extra in film and T.V. He owns Time Music Studios in Calgary and continues to teach guitar to the next generation of talented students. He is also is involved with K.O.R.E. (Kids Original Rock Experience). David was an integral part of the recording,engineering and guitar playing on their self titled album that released in late 2012.


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Crypto finance company Zichain has launched two cryptocurrency index funds as the first part of a pipeline of products to simplify investment in digital assets.
The Blue Coin Index Fund (BCIF), which is focused on major cryptocurrencies, as well as the Second Tier Index Fund (STIF) are currently only available to a limited group of investors, but the group has plans to sell to a broader market before the end of the third quarter of 2018.
READ: Zichain launches index funds for cryptocurrency investors
The two funds cover over 20 top cryptocurrencies between them and have all the features of traditional funds such as the use of real-time market data, performance calculations to track investments and advanced financial reporting, as well as new features including clustered storage with multiple signatures to guarantee asset safety and automated rebalancing and smart execution systems.
The index funds form part of a four-segment 'ecosystem' that makes up the company's offering. Aside from the index funds the group also offers Zichange, an exchange platform allowing people to purchase digital currency for cash; a blockchain asset management platform (BAMP) which allows users to start and manage cryptocurrency investment funds; and CryptoEYE, a news and market data provider for the cryptocurrency marketplace.
READ: Zichain postpones ICO due to high demand in token pre-sale
It also seems that getting in on the ground floor of the expanding cryptocurrency and blockchain market is paying off for the company, who has postponed its initial coin offering (ICO) due to high demand from institutional investors which saw it surpass its soft cap target of US$3mln in a token pre-sale.
The group said on 29 June that it would suspend the ICO until 16 September after closing its first-round books on 21 June while it undertook due diligence processes of orders, adding that it had received 650 token orders for a total amount of US$5mln as well as more than US$3mln extra following meetings with private investors.
Currently based in Switzerland, Estonia, Russia, and Armenia, Zichain is targeting the financial hub of London as well as the expanding cryptocurrency market in Asia as it presses ahead with developments.


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Zurich North America's Head of Human Resources wins prestigious award
Schaumburg, IL, May 14, 2017
Brian Little
Brian Little named Chief Human Resources Officer of the Year in the For Profit category by HRO Today for his work in transforming manager training throughout Zurich globally.
Brian Little, Head of Human Resources for one of the leading property and casualty insurance providers, Zurich North America, has been named Chief Human Resources Officer (CHRO) of the Year in the For Profit category by HRO Today magazine. He has also been recognized as a Leader of Distinction in Human Resources.
The 2017 CHRO of the Year Award winners were announced at a gala on May 1 at the HRO Today Forum, which took place in Chicago, Illinois, May 1-3.
Little was recognized for his work in implementing an advanced management training program at Zurich North America. The program was designed to improve the capabilities and people management skills of Zurich's managers so they can build, coach and nurture highly engaged teams that deliver a winning performance. The program originated in concept at Zurich North America and was later adopted throughout Zurich's global organization.
Little was executive sponsor for the program and helped shape its design and execution. Additionally, under Little's leadership of Human Resources, Zurich North America has:
- rolled out a first-of-its kind in the U.S. apprenticeship program for the insurance industry that aims to bring new entrants of all ages into the industry workforce;
- implemented the FlexWork@Zurich program, which provides Zurich employees the technology tools and flexibility to work from home or another remote location, as well as any location within a Zurich office, allowing people to achieve a greater work/life balance;
- developed and introduced the Skill Grids skill development tool, which has also been implemented in a dozen other countries across Zurich's global organization (Skill Grids define the skills and behaviors required for specific jobs, supporting the individual growth of employees while enhancing Zurich's internal talent pipeline);
- maintained a leadership position within the insurance industry in terms of the competitiveness of the benefits package available to employees. This includes a highly competitive offering when it comes to healthcare and retirement plans, for employer contributions and overall value to employees.
"Zurich's employees are at the heart of our ability to deliver for our customers," said Craig Fundum, Chief Administrative Officer for Zurich North America. "Brian has been instrumental in driving forward initiatives that help Zurich get the best from our people while making the company an employer of choice at the same time. I am very happy that his work been recognized by his peers in the wider HR community through this award."
The HRO Today CHRO of the Year Awards honor HR executives who, through their leadership and strategic insight, are able to impact a company's talent and performance profile, driving the business forward. The award winners are determined in part through votes by previous winners.
About Zurich
Zurich Insurance Group (Zurich) is a leading multi-line insurer that serves its customers in global and local markets. With about 54,000 employees, it provides a wide range of property and casualty, and life insurance products and services in more than 210 countries and territories. Zurich's customers include individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. The Group is headquartered in Zurich, Switzerland, where it was founded in 1872. The holding company, Zurich Insurance Group Ltd (ZURN), is listed on the SIX Swiss Exchange and has a level I American Depositary Receipt (ZURVY) program, which is traded over-the-counter on OTCQX. Further information about Zurich is available at www.zurich.com.
In North America, Zurich is a leading commercial property-casualty insurance provider serving the global corporate, large corporate, middle market, specialties and programs sectors through the individual member companies of Zurich in North America, including Zurich American Insurance Company. Life insurance and disability coverage issued in the United States in all states except New York is issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company. In New York, life insurance and disability coverage is issued by Zurich American Life Insurance Company of New York, a New York domestic life insurance company. For more information about the products and services it offers and people Zurich employs around the world go to www.zurichna.com. 2012 marked Zurich's 100 year anniversary of insuring America and the success of its customers, shareholders and employees.


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Are you looking for a wide offer of Tarkett products for your flooring project in DICKINSON?
FLECKS FURNITURE & APPLICANCE is a flooring retailer that provides you with a wide range of Tarkett products and innovative services for your home project.
Don't hesitate: contact FLECKS FURNITURE & APPLICANCE in DICKINSON to get a quote, order samples, and ensure that they have the product you need in stock!


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31 articles
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South Africa
< Friday 18 January 2019 >
Bright New Year's resolutions, anyone? Well, the ever-inventive Creation Culinary Team is ready and rearing to embrace 2019 with verve and panache. "We're aiming to tease your taste buds out of their comfort zone with extraordinary taste combinations and out-of-this-world flavour profiling," says pairing guru Carolyn Martin – and she means it!
The Negroni, a classic Italian gin cocktail which was invented circa 1919 in Florence, Italy. According to Imbibe Magazine it was created at Caffe Rivoirewhich is still open and serving to this day. Gin Foundry states that it was invented at Caffe Casoni by a man named Count Camillo Negroni whose family opened the Negroni Distillery in 1919. We don't mind who invented it, we are just thrilled to be able to enjoy this bittersweet sensation.
Prior to the launch of the global campaign, Heineken interviewed consumers across the region in search of inspiring insights, before preparing the campaign.
Nancy Pelosi's Previous Taxpayer Funded Trips Were Pretty Fancy - Katie Pavlich: House Speaker Nancy Pelosi and her fellow Democrats are pretty .01/18/2019 20:58:31PM EST.
Hailing from a family of premier cognac makers, the perfumer is bringing his first name to fame via fragrances like the mysterious Dark Lord. Kilian He
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Was one of your goals for 2019 to learn a new skill? If so, it doesn't get much cooler — or more useful — than knowing your way around a ...
Bain's Cape Mountain Whisky was awarded as the World's Best Grain Whisky at the World Whiskies Awards held in London.
Glass, The Mule, The Sisters Brothers and The Tragedy of King Richard the Second open at cinemas today...
Try this remix pesto with some very nontraditional ingredients.
With activist investor Elliott Management on its back, the company says it will communicate on future changes once approved
Stella magazine's writers round up their favourite Caribbean island hotels, from St Lucia to Barbados.
Skunk Anansie kicked the hell out of the Kerrang! x Rizla Basement Party – here's what it looked like!
Two of Canada's big three brewers announced they were becoming one big rival to Labatt in 1989.
Skunk Anansie kicked the hell out of the Kerrang! x Rizla Basement Party – here's what it looked like!
Gin Market Global Outlook 2019-2025 Business Strategies, Product Sales, Growth Rate And Forecast Assessment
This is the latest offering from Fior Markets with the title Global Gin Market Research Report 2018
With activist investor Elliott Management on its back, the company says it will communicate on future changes once approved
Brockmans Gin is bringing the colors of passion and romance into Valentine's Day cocktails this year. While Champagne is fine, this [...]
A new award has been added to the 2018 edition of the prestigious RJR/Gleaner Sports Foundation?s National Sportsman and Sportswoman of the Year Awards. The award is n


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New hybrid FMADM model for mobile commerce improvement
Internet of things (IoT) can provide an extensive scope of services via smart devices to promote the convenience of life. With advances being made in smart phones, enterprises are increasingly considering expanding their customer base through mobile commerce services. To promote m-commerce improvement, enterprises should organize an excellent m-commerce environment and attempt to realize user needs in the era of IoT. In a fuzzy environment of the real world, objective decision-making for m-commerce improvement is usually a FMADM problem involving feedback-effect and interdependence among the dimensions and criteria. But, many traditional decision models cannot conduct the complicated interrelationships among dimensions and criteria. This study proposes an improvement model that can promote m-commerce improvement towards achieving the aspiration level in fuzzy environment. The proposed hybrid model conducts the feedback-effect and dependence among attributes, and it combines the FDEMATEL technique, FDANP, and MFGRA methods. The empirical case study was conducted to prove the utility of the new hybrid FMADM model in evaluating an m-commerce environment. Comparative results exhibited that the proposed approach is superior to the traditional method and that it can obtain most real grey relational degree that can be used for establishing the best performance improvement strategy in reality.
Keyword : Internet of things (IoT), mobile commerce improvement, fuzzy multiple attribute decision-making (FMADM), fuzzy DEMATEL-based analytic network process (FDANP), modified fuzzy gray relation analysis (MFGRA)
This work is licensed under a Creative Commons Attribution 4.0 International License.
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The Panasonic Home Monitoring & Control Kit, or the KX-HN6012EW, is an entry level smart home kit with an accent on security. Out of the box, the Home Monitoring kit supplies one indoor camera, two window/door sensors, a smart plug and Panasonic's central smart home hub.
The hub, camera and window/door sensors can all be screwed to the walls. The process isn't difficult, even though you should check that there are not any cables or wires running behind the wall before drilling. The 130 x 130 x 42-mm hub and 75 x 75 x 102-mm camera can also be left freestanding.
Next you have to sync the monitoring system's collective parts using the hub. This is easy too. Simply connect the hub to your mains and WiFi, then install the Panasonic Home Networking app to your Android, iOS or Windows device.
Nonetheless, the brief setup process is in part due to the starter kit not including adequate tech to fully secure even a reasonably sized flat. It wasn't expected much by considering the pack's modest £230 price, the fact that you get only two window/door sensors and one camera is an issue.
Recorded footage is stored on a microSD card in the main hub meaning it is a good idea to place it out of reach or hide it, in case tech apprehension burglars spot it and steal the microSD. You can also set the app to alert you when the sensors are triggered. The app characteristics sub menus for every connected device, which, when clicked, offer a variety of commands.
The camera records at a maximum of 6fps at a 640 x 480 VGA resolution. This is disappointing when you consider that the majority of smart home systems record at 720p. For starters, while eight mobile devices can be registered to the hub, only the first four can be used to control the system. This could be problem for people living in shared houses or with large families.
The Panasonic Home Monitoring & Control Kit is a barebones starter pack more suited for child and pet monitoring than home security.


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One of the best ways to improve communication with your staff and to ensure that your employees are happy, productive and feel supported is to conduct an individual, one-on-one meeting with each of your employees.
These meetings are generally informal, and happen on a regular basis to provide performance feedback, to give employees an opportunity to voice their needs, to track progress on projects and goals, and to determine if any additional support or resources are required.
The intention of a one-on-one meeting is for a manager to be fully available to the employee and to provide their undivided attention, ready to discuss and resolve performance concerns and to talk about work-related issues.
While many managers think a quick thumbs up or down on an app is sufficient feedback to provide to an employee, we strongly believe that having regular, face-to-face, one-on-one meetings is an important part of effectively managing and communicating with employees. If done well, it will make any annual performance reviews you conduct much more effective, or may even eliminate the need for them at all.
Here are 7 tips to assist you in conducting effective one-on-one employee meetings:
1. Determine who should conduct the one-on-one meeting
- Typically, one-on-one meetings occur between an employee and his/her direct manager.
- The direct manager is the one with the most knowledge about the employee's goals and targets, as well as the projects and tasks assigned.
2. Determine the frequency of individual meetings with employees
- One-on-one meetings should occur as frequently as are necessary to ensure employees are on-track with their projects, goals and day-to-day responsibilities.
- Factors which can influence the frequency of one-on-one meetings include:
- Number of direct reports – the more employees who report to you, the less likely you will be able to have frequent one-on-one meetings. Meeting with 3 direct reports once per week for 30 minutes is much more realistic than meeting with 20 direct reports on a weekly basis.
- Location of employees – employees who work remotely or off-site may require more frequent contact and follow-up than those a manager sees on a daily basis.
- Workload – employee workload is a factor in determining how frequently meetings should occur.
- Time involvement – the more frequently the meetings occur, the shorter the meetings can be. If meetings occur weekly, a brief, 15-minute check-in may be all that is required. If meetings only occur on a monthly basis, you may need to devote 1 or 2 hours to cover all the issues.
- Once the frequency is determined, you need to commit to having the meetings occur on a consistent and regular basis. Cancelling and re-scheduling meetings should be avoided to ensure that your employees feel valued and important. Constant cancelling, showing up late or being unprepared for the meeting will have a demoralizing effect.
3. Prepare an agenda ahead of time
- Prepare an agenda for your one-on-one meetings in advance. A standing meeting agenda would be appropriate since the purpose of the meeting typically remains the same.
- A typical agenda will include the following topics:
- Get an employee update on the status of projects and goals;
- Provide performance feedback;
- Get an employee update on the status of projects and goals;
- Determine if the employee needs additional support and assistance; and
- Gather feedback from the employee to improve the work situation.
- Obtain feedback from your employees on the agenda. The individual meeting time is one-on-one time devoted to the employee. They should definitely have input into what this time should be used for and what should be covered.
- An agenda will ensure that you and your staff stay focused during the meeting and make the best use of the time allotted.
4. Create a one-on-one meeting schedule
- Once you've determined the frequency of the meetings and the agenda, you will be able to schedule your meetings in advance.
- It is easiest to pre-arrange a standing meeting time (e.g. every Wednesday morning from 9 to 10 am) so that both you and the employee get into the habit of having the meeting.
- Book the dates into your calendars for 3 to 6 months out so that the time is blocked off and to avoid other priorities from taking over.
5. Conduct the meeting
- Stick to the agenda as close as possible so that you stay on-track during the meeting.
- Encourage dialogue – The one-on-one meeting is a two-way conversation, typically with the employee talking more than the manager. Encourage your staff to come prepared with a list of things they would like to get advice on or to discuss.
- Ask open-ended questions – An effective way to start a dialogue is to ask open ended questions that draw out a detailed answer. Avoid questions that elicit a "yes/no" answer or which will put the employee on the defensive.
- Start questions with:
- How (How's the project going?)
- What (What is going well / not well? What roadblocks are there? What can I do to support you better?)
6. Provide performance feedback
- Use the one-on-one meeting as an opportunity to course correct. Performance concerns don't typically happen all of a sudden – they grow over a period of time.
- Try to spot performance patterns early and give feedback to reverse performance issues.
- Document any performance feedback given and review progress in each meeting. The one-on-one meeting is a good opportunity to reset performance expectations and design a development plan to help the employee achieve greater success in their position.
7. End the meeting
- Agree on action items – If any decisions were made or action items determined in the meeting, be sure to note these. Agree with the employee on the specific action required and what your and their responsibilities are for carrying out the decision.
- An employee one-on-one meeting should be a positive experience where employees feel supported and listened to. You want the tone of the meeting to be relatively positive and you want to end positively as well in order to maintain employee morale. Communicate that you are looking forward to the next one-on-one and be genuine. Your staff will be able to sense that and this will set a positive tone for the next meeting.
The goal of any one-on-one meeting is to make sure that you and your staff develop trust and can successfully communicate through problems and challenges to help each other achieve job success. Create a comfortable environment during your meetings so that this trust can be built. Encourage your staff to be open and honest during the meeting, and respond in kind.
Copyright Clear HR Consulting Inc. All rights reserved.


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Powered by equities and, to a lesser extent, real estate, Belgian pension funds returned 9.6% in 2003, according to Mercer Human Resource Consulting.
"The results from Mercer Human Resource Consulting's annual pension investment performance survey indicate that the average Belgian pension fund produced a positive return of 9.6% over 2003," Mercer says. "This positive result is mainly due to the rather conservative attitude of Belgian pension fund managers."
The result was "largely attributable to investments in equities (+14.8%) and to a lesser extent, in property (+17,4%)" Mercer says. The report said that Belgian pension funds maintained around 50% of their allocation in equities.
"This attitude has been punished in 2001 and 2002 with negative returns of respectively -4.9% and -16.1%," the report said. "Fortunately, thanks to the recovery of equity markets in the last nine months of the 2003 calendar year, positive returns of close to 10% are shown."
The survey covers 105 of the around 150 active Belgian pension funds. There are about 250 funds in total. Mercer
Analyses 139 portfolios, which represents around E5.1bn in assets under management. Equities' allocation has risen to 51.2%, from 48.1% at the start of 2003. Bond allocation has fallen to 41% from 44.7%.


text: Today, Thursday August 29, 2013 is the day. The first day of sports for Boaz High School. The varsity volleyball team opens up at Southside, and the football team plays at home tonight vs. Guntersville. The excitement is in the air as the students and student athletes anticipate that moment when they finally take the field. This is where all the hard work pays off. For some of them, it will be their 'last' first game. For my daughter Sylvie, it will be her 'first' first game as she takes the court with the Boaz Middle School 7th grade team. I myself am looking forward to another great year serving as school photographer and covering the games. I wish them all the best. Cheer, Play, and Perform your hearts out kids. But most of all, enjoy the moment. GO BOAZ!


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Hello Family, Today's message is about finding the value of who you are, outside of the value of who you are not… In a…Leave a Comment
Tag: truth
Often in spirituality we talk a lot about the ego. The ego is bad. It is something we should get rid of and avoid. However,…Leave a Comment
I AM Lotus I am the soft petal of a lotus, a flower growing out of the swamp of the void becoming the seed…Leave a Comment


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1). When you wake up early to go fishing, but you're late for work.
2). 4:30AM is not early, when you're up to catch fish.
3). You refer to your BOAT as "sweetheart, and your wife as "skeeter".
What are some other things that define you as a true fisherman?
Let us know in the comments below!


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SLS Lux Brickell presents an enclave of extraordinary opportunity in condominium living marked by the highest ideals in design and service. Miami's most sophisticated neighborhood now has its most sophisticated residential development.
Located between Brickell CityCentre and the Mary Brickell Village shopping center, this 57-story luxury development offers 450 exclusive residences, including 12 sky-hugging penthouses. To mark its stature, developer The Related Group is bringing together the apex of design acumen and incorporating features that include original works of art by world-renowned artists, celebrity chef restaurants, luxury hotel services and exclusive club memberships.
The building concept has been developed by the Miami-based firm of Arquitectonica whose worldwide offices have produced plans for some of the world's most iconic luxury condominiums. Interiors of shared spaces and residences will be put in the hands of the Canadian design team founded by Interior Design Magazine's "Hall of Fame" members Glenn Pushelberg and George Yabu.
Artists engaged to bring museum-quality artifice to the project include Buenos Aires-born Fabian Burgos who will add exterior panache with vibrant geometric compositions. Venezuelan Ana Isabel Martinez will add innovative exterior lighting effects, while Columbian-born Fernando Botero will produce monumental sculptural figures.
The superior amenities offered by SLS Lux are of an extraordinary range, including recreation and lounge areas on three separate levels. On the 9th floor, both indoor and outdoor facilities cater to relaxation as well as full physical workout. Features include a 75-foot lap pool and 112-foot beach-entry pool with poolside cabanas, juice bar and summer kitchen. A multi-faceted sports center includes a wide array of workout options. Multi-sport courts complement multi-station circuit training. The Ciel Spa pampers residents with a full menu of body and beauty treatments. Family-friendly amenities of SLS Lux's 9th floor include an outdoor theatre and a children's area as well as a Club Room Lounge with TVs and gourmet kitchen.
Meanwhile at the 44th/45th Floor Sky Lounge, residents can choose between taking in the stunning views from an outdoor lounge area or enjoying the gaming area of the two-story indoor lounge. To top things off, the 57th Floor Roof Top provides a pool and sundeck with unsurpassable views. Residents of SLS Lux also enjoy offsite activity options with VIP Access to the Hyde Beach Club at the SLS Hotel South Beach, accessible by complimentary luxury limousine service.
Developer: The Related Group of Florida - The Allen Morris Company
Architect: Arquitectonica
Designer: Yabu Pushelberg
1390 Brickell Av #104, Miami FL-33131
Miami I www.mykeymarketing.com


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Debt Consolidation Loans in Venice, California
If you are looking to consolidate credit debt in Venice, California, you should have all the information you can get. Your financial circumstances and capacity to pay will be key variables when choosing the ideal approach for your needs. Consolidating your credit card debt is definitely more about reorientating your credit debt and payment agreement making it easier to fulfill your month to month obligations.
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Considering personal credit card debt consolidation in Venice, California? Discover your resources in Venice, California
Many people go for balance transfer accounts for credit debt consolidation, and it's essential in such cases to make best use of the minimal or 0% rate of interest. For this particular solution to work, you likely will not get a more affordable payment, and you'll need to have a consistent source of income to coordinate it properly. Since you are attempting to ensure that more of your payments go to the principal balance than the interest charges, you want to send just as much towards these installments as you possibly can. This is a smart way to repay a considerable percentage of your balance.Read More
When you have a good credit standing, then deciding on a personal loan for consolidating debts is a good strategy for saving cash on excessive interest rate credit debt. To increase the savings that you can get, it is better to obtain a faster term. Reduced interest charges and a short term will allow you to take full advantage of this approach by spending less on interest fees over time. In this way, you could get the most from the personal unsecured loan method of consolidation.
If your home has enough equity, then you might also consider a home equity loan. It is necessary for the equity to cover all of your higher interest credit debt if you'd like this to work. You will also need to make sure you have a strong strategy in place to pay off a home equity loan. If you can't generate the monthly payments, then this strategy puts your house in danger.
What everybody ought to be aware of with consolidating debts in Venice, California
Nobody ought to enter into debt consolidation loans without initially taking into consideration the advantages and drawbacks of this solution.
Next are the positive aspects of deciding to consolidate your credit card debt.
You will have one single statement after numerous financial obligations are combined into just one. Rather than overseeing and tracking all of the credit accounts you have, you only have to focus on one. You're much less likely to get weighed down with the straightforward payment.
You can get more desirable terms on your agreement. Usually, debt consolidation entails transferring or restructuring your multiple credit card accounts into a new one. You will get more desirable terms on the loan during this change. You can find a quicker payment term or a much more accommodating schedule. You'll save money on interest charges with a cheaper rate and faster repayment.
Reduced rates of interest! Locating a lower rate of interest is a crucial part of consolidating debts. You shouldn't choose consolidation if a cheaper interest is not discovered. Consolidation isn't beneficial if you are receiving a greater interest rate within the newer terms.
Now, we will take a look at a few of the drawbacks.
It offers you a false feeling of debt relief. Whenever you consolidate your numerous credit card bills, you are going to free up the other accounts - particularly your charge cards. This makes it seem like you have paid back your credit card debt yet in truth, you merely transferred your debt balances into a new loan. You still owe exactly what you owed before, only restructured.
It could result in more financial debt. When you yield to the mistaken sensation of debt relief, you may be enticed to utilize your charge card. This will only steer you deeper into credit debt.
You'll still have to identify a method to tackle the actual source of your financial debt issues. Whatever caused you become so deeply into debt is not going to go away via debt consolidation. You'll still have to handle the reason. It just manages the symptoms.
Depending on the strategy for consolidation you ultimately choose, your assets may be vulnerable. Many people decide to put their houses up as collateral, placing their homes in danger if they are not able to make payments. Of course, you can find a great lower rate of interest on a home equity loan. You simply need to know about the risk of losing that home should you be unable to pay.
What you should know before you apply for a credit card debt consolidation loan in Venice, California
The approach to apply for a credit card debt consolidation loan will depend on the particular kind of consolidation that you'll go after.
If you need to consolidate by a personal loan, this will follow the approach of any kind of unsecured loan. You start with submitting the application, and you will then be approved or turned down depending on your credit history. When you're approved, you'll be able to go on and complete the application procedure and submit the necessary criteria. When you're applying online, you may want to scan and email the digital content of the records by e-mail or the internet site of the loan provider.
Following this procedure, the lending company is able to execute an intensive task for underwriting the loan. After things are finished and accepted, that's when you will get the loan amount. When you open an account with the loan company, the way many of them will require, you will then receive the money in this way.
In order to make use of the equity in your house in the debt consolidation loan, then you will follow the process of a standard mortgage loan application form. The actual procedure needed is the same as the approach involved in unsecured loan applications. The main difference is that the collateral will likely be subjected to a home and property estimation. In comparison with an unsecured loan, this will be more expensive.
For a straightforward and quicker application process, consider consolidating your credit card debt with the same lender or financial institution.
How Do I obtain a debt consolidation loan in Venice, California with less-than-perfect credit?
Sure, it's possible to receive a consolidation loan despite a low credit score. There's two ways that this can transpire.
One method will be to submit an application for a secured or unsecured loan. As a high-risk applicant, you will have to give greater interest. Holding less-than-perfect credit shows a narrative of a reputation of not paying debts on time. Unsecured loans normally have a greater monthly interest than secured personal loans. Protecting the personal loan with collateral will often result in less costly interest rates.
When you are not able to use the loan approach, you will have another method. This approach is a debt settlement program. This is ideal for people with less-than-perfect credit and debts in arrears or unsettled standing.
That is an approach to negotiating for the opportunity to repay only a portion of the financial debt which you are obligated to pay. That is much simpler with the aid of a debt settlement business which will manage the negotiations. You'll offer up a settlement sum that's typically smaller than your exact account balance. If the creditor or lender agrees, you'll pay the settlement deal and the remainder of your consumer debt should be pardoned.
Consolidating your credit card debt when you've got unfavorable credit ratings in Venice, California
There's a couple of methods for getting lower interest debt consolidation loans. The 1st approach is to possess a good credit score standing. A good credit rating signifies to the loan company that you pay your bills and are an accountable borrower. This can just be established through your credit history.
If your credit history is not excellent, then you can consider the 2nd option for a low monthly interest debt consolidation loan, which is to obtain a secured personal loan. Usually, debtors make use of the equity of their property. By placing your property as collateral, the loan provider will feel more secure that they'll get something should you decide to go into default on your loan repayments.
Could you get cost-free personal credit card debt consolidation options?
Frankly, there isn't any company that has a totally free consolidation loan. You will have interest to pay off on the loan. Application service fees can also be part of it, though some will propose minimal application form service fees. They are needed for the lender to check your credit file and process your application for a loan. They are going to have you shoulder these kinds of expenses through the application cost.
Although you can't find a totally free consolidation loan in Venice, California, you will get a free quote, to make certain that you will know how much the borrowed funds will cost before making a choice.
Accredited consolidation services
It is wise to confirm that the service is trustworthy, and you'll do that by taking a look at the provider's accreditations. These are the companies or institutions that they're affiliated or members of. Before a company is approved for accreditation with another agency, they're usually researched by that agency. By knowing the criteria and specifications of these agencies, you will know what the consolidation provider will deliver.
A few common credentials that consolidation companies seek include the following:
Better Business Bureau. The Better Business Bureau features a guidebook which they use to rate various companies. This is called the Better Business Bureau Business Partner Code of Conduct. Their webpage is an effective resource for finding out more info on the consolidation company which you wish to deal with. You're able to discover other client viewpoints and relationships with the service.
American Fair Credit Council. Here is the top association of Consumer Credit Advocates to help credit card debt overwhelmed clients, enhance the industry's best methods, and advocate for decent treatment of borrowers.
National Foundation for Credit Counseling. The focus of this institution is on helping consumers and debt relief companies to boost fiscal situations. The NFCC only welcomes partners that successfully passed the certification of the Council on Accreditation.
International Association of Professional Debt Arbitrators. This agency makes sure that the debt arbitrators employed by consolidation companies are properly trained and authorized to do business on behalf of their clientele.
There are more accrediting systems, worldwide and nationwide, that you could investigate. When you select a debt consolidation business by looking at certifications, then you can relax knowing that you're dealing with a reputable service.
Study client testimonials of consolidation companies
Studying reviews is yet another good way to learn about the consolidation providers which you look into dealing with. You can find client review articles all over the net, which includes internet sites that are specially developed for debt consolidation business testimonials. Then, there's the web pages devoted to personal financial matters, which regularly feature services worthy of considering.
If you're reading these consumer reviews, you should take notice of the value, debt relief method, comments from customers and additional financial loans or services the service offers. Don't concentrate on the expense and service fees. A debt consolidation service ought to offer far more than just a minimal fee. Other crucial elements include things like customer care and customer satisfaction.
It's also important to give some thought to exactly what you need in your debt consolidation loan. Resist being fooled by the promise of a low interest rate. Don't end up stuck with unnecessary fees or rigorous repayment arrangements. Though a low monthly interest is important, you need to make sure that the provider you decide to work with fulfills all your requirements for consolidation.
Could you consolidate credit card debt with a non-profit agency in Venice, California?
Non profit credit counseling services are out there, but non-profit consolidation companies don't exist. If a consolidation company promises to be non-profit, you'll want to be on your guard. You will invariably have to pay back above what you loaned when you obtain financing. The business normally receives their earnings from management costs and interest charges.
Don't hunt for non-profit consolidation companies that don't exist. Instead, search for services that offer you affordable service fees and rates. An excellent credit history and low costs will guarantee your good results with your debt consolidation loan.
If you ever see a business that promises to be non-profit for debt consolidation, be really wary and diligent with your investigation. It is highly likely that such a company is planning to scam you into having to pay unreasonable service fees.
How can you locate the most dependable debt consolidation companies?
Searching for the top consolidation loan providers isn't as hard as before - mainly because of the info one can find over the internet. You can actually speedily pick a great service with minimum investigation. You simply need to understand what it is that you specifically need and have an understanding of your overall financial circumstances. This advice can help you make the best selection for your needs.
One of the most well-liked options for those that have a good credit score is Lightstream. This is a lender which offers unsecured personal credit card debt consolidation loans. There are strict conditions, but if you meet them, you can get the cheapest interest on the market. To use this company, you will need no less than 5 years of credit history with multiple forms of consumer debt.
Those looking for rapid approval for a consolidation loan will be smart to take a look at Lending Club. The rapid turn-around time of this web-based lender causes it to be a trendy tool. Often, they're able to provide you with the loan within a couple of days. Everything will depend on the sum that you'll be lent and your credit history position. Don't be concerned with regards to transacting with a web-based service - they have got the most innovative security measures in place so all your personal economic details are protected.If you have a bad credit score and some of the loans you wish to consolidate are in arrears, then National Debt Relief is the business to get in touch with. National Debt Relief settles your credit balances by negotiating with your creditors. The negotiation involves convincing them to allow you to pay only a part of your account balance through the settlement deal package. And then, the rest of the debt is forgiven. You'll be able to lessen your debts and consolidate your credit accounts with this method.
If you want the perfect solution for debt consolidation loans in Venice, California, you should not need to look further than these best lenders.
Information on debt consolidation loans in zip code(s): 90291, 90292, 90293, 90294, 90295, 90296


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John Stossel: Government - Here To Help!
Government does everything, just nothing well. Government wants you to think it helps you at every turn. Every time you make a decision, a purchase, government wants to be there, looking essential. But it's a trick. Most government "help" creates new problems. Students once went to private banks to get college loans. Banks, since they ... MORE
Labels: busybody, government, housing, intervention, Objectivism, overreach, prices, student debt
Innovation Vs Intervention In Health Care
by Veronique de Rugy. How can we produce better health for more people at a lower cost, year after year? By lifting all the rules and barriers that prevent health care innovators from bringing new lifesaving products to consumers and force doctors to beg bureaucrats and insurance administrators for permission to save lives. For years, free market ... MORE
Labels: bureaucracy, drugs, FDA, government, health care, innovation, intervention, medical, medicine
The Scorpion And The Frog: A Tale Of Modern Capitalism
"A scorpion asks a frog to carry him over a river. The frog is afraid of being stung, but the scorpion argues that if it did so, both would sink and the scorpion would drown. The frog then agrees, but midway across the river the scorpion does indeed sting the frog, dooming them both. When asked why, the scorpion points out that this is ... MORE
Rep. Mark Meadows: ObamaCare's Christmas Surprise
If you like your health plan, too bad. If you like your health care plan, the Centers for Medicare and Medicaid Services (CMS) has a Christmas surprise for you! When will this new present arrive? December 25th. In an ongoing effort to keep Obamacare numbers elevated, CMS has embarked on the next step of its government takeover of ... MORE
Labels: deception, dishonesty, government, health care, intervention, Medicaid, MediCare, ObamaCare
Richard A. Epstein: The Pax Americana Is Dead
Presidential leadership continues to be an oxymoron. Thomas Friedman, the respected New York Times columnist, tried to do a beleaguered President Barack Obama a favor by publishing a summary of an extended interview between the two men, which was grandly entitled "Obama on the World." Friedman tried to present the President ... MORE
Labels: foreign policy, government, international, intervention, military, Obama, politics, strategy
Andrew Napolitano: Another Pointless War?
Reopening the soldier slaughterhouse. As we watch the collapsing government in Baghdad surrounded by a highly disciplined and serious force of Sunni-oriented fighters that has taken control of the most populous third of the country, we must, in John Adams' words, resist the temptation to slay the world's monsters. This time around, ... MORE
Labels: democracy, intervention, Iran, Iraq, Middle East, Obama, politicians, soldiers, terrorism, war
Thomas Sowell: A Bitter After-Taste
Squandering the sacrifice of soldiers. The news from Iraq that Islamic terrorists have now taken over cities that American troops liberated during the Iraq war must have left an especially bitter after-taste to Americans who lost a loved one who died taking one of those cities, or to a survivor who came back without an arm or leg, or ... MORE
Labels: Afghanistan, foreign policy, government, intervention, Iraq, Obama, policy, politics, soldiers
Tesla Motors And The Folly Of Government Intervention
by A. Barton Hinkle. Anyone searching for a case study to explain what is wrong with capitalism in America today can stop looking. We have the perfect specimen: Tesla Motors. Federal and state programs have conferred huge advantages to help the electric-vehicle company sell its cars — which state laws then make almost impossible to sell. ... MORE
Labels: auto industry, capitalism, electricity, government, intervention, politics, regulation, subsidies
Marijuana Legalization Plans Perculating In 10 States
High time for individual liberty. In the wake of the Department of Justice's decision to allow Washington and Colorado to regulate marijuana laws without federal intervention, reform group Marijuana Policy Project (MPP) announced a lofty goal Monday to get legalization on the ballot in 10 states by 2017. "MPP will work with local and ... MORE
Labels: drug war, government, individual liberty, intervention, law, marijuana, prohibition, states' rights
VIDEO: Obama's Foreign Policy Approval Plummets
Americans oppose unilateral Syria intervention.
Labels: foreign policy, government, intervention, Obama, popularity, symbolism, Syria, war
Carl Svanberg: U.S. Should Not Intervene In Syria
It makes no difference to victims what weapon is used. On August 21, Syria crossed the line by allegedly using chemical weapons against its own people. Obama has, therefore, decided that it's time for the US to punish Syria. Assuming he gets Congress on his side, the US will once more be dragged into another senseless war in the Middle ... MORE
Labels: Al Qaeda, bombings, chemical weapons, foreign policy, government, intervention, Syria, war
Todd Zywicki: Set Visa, Master Card And Markets Free
Approve the credit card interchange fee settlement. Last August, years of expensive litigation and a comprehensive evidentiary process culminated in a meeting of the minds among warring litigants to antitrust litigation that challenged the practice by which credit card networks set "interchange" fees (the fee paid by merchants to ... MORE
Labels: banking, consumer, credit, fees, free market, freedom, government, intervention, regulation
Daren Bakst: Government Control Of Your Diet
Threats to the "freedom to eat." Many politicians and self-appointed nutrition czars see Americans as incapable of making decisions about a basic necessity of life: eating. Therefore, they feel that government at all levels must try to control their diets. This control means trying to direct people to eat a certain way or expressly ... MORE
Labels: bureaucracy, czars, FDA, food, government, intervention, nanny state, politicians, taxpayer
IBD: Too Much Government Caused The Great Recession
by Scott S. Powell. Just a generation after the collapse of the Soviet socialist system, a recent Pew poll reports that 49% of Americans 18-29 years old have a positive view of socialism, while only 46% have positive views of capitalism. The ambivalence toward capitalism is due in part to the influence of the information and entertainment class ... MORE
Labels: capitalism, debt, economics, government, intervention, loans, media, politics, spending
Peter Suderman: 8 Reasons Not To Go To War In Syria
Is the U.S. on the march to war in Syria? Over the past week, the stage has been set for yet another military intervention in the Middle East. Calls for U.S. action in Syria have grown louder following reports of a chemical weapon attack in Damascus said to have been carried out with the knowledge and approval of President Bassar al-Assad's ... MORE
Labels: defense, foreign aid, foreign policy, international, intervention, military, Syria, war, weapons
Daniel J Mitchell: More Americans Are Going Galt
Why folks are deciding to renounce American citizenship. President Obama promised he would unite the world…and he's right. Representatives from dozens of nations have bitterly complained about an awful piece of legislation, called the Foreign Account Tax Compliance Act (FATCA), that was enacted back in 2010. They despise this ... MORE
Labels: citizenship, government, income tax, intervention, IRS, law, legislation, Obama, tax, tax rates
John Stossel - Overseas Meddling
You pay taxes? You contributed to the $2 billion your government gave Egypt this year. And last year. And every year — for 30 years. Most of it went to Egypt's military. How's that worked out? Now our government will "cautiously" support anti-government rebels in Syria, even though some are openly allied with al-Qaida. Years before, we paid to ... MORE
Labels: Egypt, foreign aid, foreign policy, government, international, intervention, military, security
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What is Continuity in Electricity | How to Test Continuity with Multimeter
Learn What is Continuity in Electricity, Its Symbol and How to Test Continuity with Multimeter.
Here we will Learn What is Continuity in Electricity, Its Symbol and How to Test Continuity with Multimeter.
What is Continuity in Electricity?
Continuity is UNBROKEN Conductive path for electricity to flow. This conductive path can be an insulated copper electric wire or a Circuit on a Printed Circuit Board.
An Operational Close Circuit is Simplest Example of Continuity in Electricity.
Continuity Symbol on Multimeter
Uses of Continuity Test in Electrical and Electronics
- A Multimeter (Analog or Digital) can be used in Continuity Test Mode to Test and Check if an Electric Wire is Broken or Not, Test Fuse, Switches, Circuit Track, Electrical Connections, Several Electronic Components.
- A Continuity Test is used to check if a Circuit is Open or Closed. Remember, only a Complete Closed Circuit will Pass Continuity Test.
- Continuity test can be used to measure Resistance in an electric circuit.
How to do a Continuity Test with Digital Multimeter
- Insert the Black Test Probe Lead into the COM jack.
- Next, Insert the Red Test Probe Lead into the VΩ jack
- Turn the Pointer of the Multimeter to Continuity Test mode (See the Symbol Above).
- Touch the Test Leads to the two ends of the electrical wire or legs /terminals of the component being tested.
- A Digital Multimeter will Produce a BEEP Sound if the Conductive Path is Close (Continuity PASS).
- The Multimeter will NOT BEEP If the Conductive Path or Circuit is Open (Continuity FAIL).
- Turn OFF the Multimeter when testing is Done to Save Life of the Battery.
Continuity Test Safety Measures
- Never perform continuity test in Live Wire or Circuit. Switch OFF and Unplug the Device to be Tested.
- Make Sure there is NO Voltage in the Circuit to be Tested.
- Make sure that all Capacitors are Discharged.
Video: Mastech MAS830L Digital Multimeter Review
Related Posts:
- Electronic Circuits for Beginners
- Rules of Electrical Circuit in Parallel and Series
- How to Use a Digital Multimeter
- How to Check Earthing at Home with Test Lamp and Multimeter
- Best Multimeter in India Under Rs 500
- Mobile Phone Repairing Testing Methods
- How Electronic / Electrical Circuit Works
- Active and Passive Electronic Components


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Brav0-cado! Avocado Dip
Serves 6-8
A great little dip to whizz up if you have friends coming round for drinks and one that's highly nutritious too since avocados are full of good essential fats. This creamy dip is ideal served with root vegetable crisps or crudités and can't be made in advance.
Kate's top tips
I like to decorate my avocado dip with a little 'dukkah' spice mix available online at www.ottolenghi.co.uk but you could always use a pinch of chilli powder or sweet smoked paprika if you can't get hold of it. Don't go overboard with either the tahini or the lemon juice or you will make the dip taste bitter.
You will need a food processor for this recipe.
What you need
What you need
1 very ripe avocado, stone removed
½ clove garlic, peeled
1 tsp tahini
Juice ½ lemon
2 tbsp extra virgin olive oil (possibly a little more)
Salt and pepper (don't be stingy)
To serve
A drop more extra virgin olive oil (optional)
Pinch of Dukkah or chilli flakes
What you do
What you do
Place all the ingredients in a food processor and blitz until smooth.
Spoon the dip into your serving dish and sprinkle with your chosen spice.
Serve with crudités or vegetable crisps on the side.


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A quick mention about Lizard Point, because it's the southernmost point on the British mainland.
Like everyone perhaps, I'm not sure why we all trek off to these sometime mostly sunspectacular places, which are really just important because of the longitudes and latitudes dreamt up by mapmakers. We come back and say a little proudly that we've been to this and that point, without knowing why we're proud.
But even if Lizard Point is buzzing with tourists and is not AS stunning as much of the rest of this coast, there's still a pensive, reverent feel to the area. People sit on the grass, talking softly, staring out to the horizon, re-evaluating their live's...we can't help ourselves, can we!?!? So go, only to say to that you've been there. And it is beautiful in it's own right.
The view from Lizard Point, the southernmost point on the mainland.
Follow the signs...
Thursday, 16 July 2009
Day 4 - South West Coast - Lizard Point - Southermost point on mainland
Posted at 00:15
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