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By Boyce F. Lowery, CLU®, ChFC®
Congress has provided special tax treatment for retirement plans like an IRA or a 401(k) Plan to incentivize us to save for retirement. They know that if we don't have our own savings to tap during our retirement years, we will be forced to turn to the government for aid, which can be costly to taxpayers. So the government does what it can to get us to save our own money. Not only do politicians want us to put money into our retirement accounts, they also want us to keep it there until our retirement years.
What is the 10% Penalty Tax?
To motivate us to keep our money set aside for our retirement years, the IRS penalizes withdrawals prior to age 59 ½. This Penalty Tax is in addition to the income taxes we will owe on the tax deferred funds. Withdrawals taken before age 59 ½ are called "early" or "premature" distributions. The penalty for taking such distributions is a 10% additional tax.
Most retirement account withdrawals are taxed at your marginal income tax rate for the tax year you made the withdrawal. The penalty for early withdrawals does not negate the regular income tax; it is added on top of it.
Exceptions to the Penalty Tax
There are certain circumstances in which you can take an early withdrawal and avoid the penalty. Those exceptions are as follows:
First-Time Home Purchase
Perhaps the most popular early withdrawal, you may be eligible to take up to $10,000 out of certain retirement accounts in order to purchase your first home. This is allowed with IRAs, SIMPLE IRAs, SEPs, and SARSEP plans. However, such withdrawals are not permitted from a 401(k) and other Qualified Plans.
Higher Education
As with first-time home purchases, funds from an IRA, SIMPLE IRA, SEP, or SARSEP plan can be used for higher education expenses without penalty. The withdrawals cannot exceed the qualified educational expenses for the tax year. Qualified Plans, however, do not allow such penalty-free withdrawals.
Medical Expenses
If you have unreimbursed medical expenses that exceed 10% of your AGI, you can withdraw the excess amount over 10% of your AGI from your retirement account without facing the 10% penalty. However, the withdrawal must be made in the same year the medical expenses occurred. Also, distributions from an IRA, SIMPLE IRA, SEP, or SARSEP plan can be taken penalty-free to pay for health insurance premiums while you are unemployed, once unemployed at least 12 weeks. Health insurance premium payments cannot, however, be taken from a 401(k) or other Qualified Retirement Plan.
Corrective Distributions
If you have to withdraw money from your 401(k) or other qualified plan in order to rectify an excess contribution, excess aggregate contribution, or excess deferral, you do not have to pay the penalty. Because having the money in the account violates the rules for the plan, you can take it out without any negative consequences.
Automatic Enrollment
If your employer-sponsored plan is subject to automatic enrollment, you may withdraw the automatic contributions without owing the 10% penalty. In order to do so, you must make the withdrawal election within the time stated by the plan (30-90 days after the first automatic contribution is made).
Equal Payments
The IRS has a special program for making penalty-free withdrawals called the Substantially Equal Periodic Payment (SEPP) program. The program lasts for 5 years or until you turn 59 ½, whichever is longer. You will receive annual distributions calculated by the IRS throughout the life of the program. The IRS has three different options for how to calculate the payments, and you get to choose which is most appropriate for your situation. While participating in the SEPP program, you cannot make contributions to or other withdrawals from your account. Terminating the SEPP early or violating the rules can result in owing the 10% penalty for all distributions taken during participation in the program.
Death & Disability
If you pass away, you obviously will not need the money for retirement, so it can be distributed to your beneficiaries or estate without penalty. Also, a total and permanent disability basically requires you to retire from work regardless of your age, so distributions are allowed penalty-free. Penalty-free does not mean tax free.
You are allowed to withdraw funds from an account penalty-free if you are putting them directly into another retirement account. You only have 60 days to get the funds into the new retirement plan or IRA. After the 60 days have passed, you will have to pay the 10% penalty even if you eventually put the money into another retirement account. Because of this, it is best to have the funds sent directly from one account to the other instead of personally receiving a check.
Separation from Service
If you leave your job after age 55, you are allowed to begin receiving distributions and won't be required to pay the penalty.
Domestic Relations
If there is a Qualified Domestic Relations Order requiring payments be made to someone other than the account owner, those payments will not be subject to the 10% penalty.
Qualified military reservists called to active duty can take certain distributions penalty-free. They also have the opportunity to repay the distributions during the two-year period after their active duty ends.
Employee Stock Ownership Plan (ESOP)
Any dividends paid as a part of an employee stock ownership plan are not subject to the 10% penalty.
If there is an IRS levy on the plan, any related distributions are not penalized.
How to Claim the Exception
Sometimes, even if your distribution qualifies for one of the exceptions above, your IRA custodian tax reporting may not reflect that fact. When that happens, you have to file IRS
Form 5329. On that form, you will report your distributions and the amount that is eligible for the exception.
If you would like our assistance in helping you plan for your retirement years whether accumulating enough funds or planning how to best distribute those funds or you simply have questions, we at Suncrest Advisors would be happy to help. Call our office today at 888-827-0146.
About Boyce
Boyce Lowery is a 40-year veteran and established expert in the insurance industry. As the managing partner of Suncrest Advisors, he, his partner, and their associates all aim to provide financial security and peace of mind to business owners, executives and professionals, and high net worth individuals across the United States. Along with more than four decades of experience, Boyce is a Chartered Life Underwriter® (the premier designation for insurance professionals signifying specialized knowledge in life insurance and estate planning) and a Chartered Financial Consultant® (known as the advanced financial planning designation). To learn more, visit https://suncrestadvisors.com/ or connect with Boyce on LinkedIn.


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In August 2015, the USA showed listings for more than 9,000,000 job openings in the nation, which includes 1,000,000 jobs in truck driving. WorldCrunch and Europe Nowadays (translating international news into English), Presseurop and News360 (translating news into distinct languages) provide material from international media. This is a new book that's receiving rave testimonials from these who are seeking for the ideal wholesale sources for products for their eBay or other on-line (or offline) enterprise. It became recognized as UPI following a merger with the International News Service in 1958, which was founded in 1909 by William Randolph Hearst.
Advances in paper technology, press technologies, and communication technologies have led to a a lot more effective news organization. There are even sports news from ESPN Radio and Fox Sports who missed out on their favourite games and headlines sports stories. No. It really is exactly where musings, commentary, news, and insights about the organization of photography are posted, and then, by all means, really feel cost-free to post comments about the entry.
The iPad app Flipboard—one of the most popular news apps—mainly uses updates from Twitter, Facebook, Tumblr and blogs. In 1998, Skinner was hired by the Fox News Channel, exactly where nowadays she is a daytime anchorwoman for the most watched cable news program in its time slot. Norwich-based designer, Emma Watson, tells us why she decided to start off her personal enterprise and reveals the particular meaning behind the company's distinctive name, Tiny Hotdog Watson.
In an informal survey he conducted in early May possibly of these who attend the center's Wednesday seniors' lunch, 40 men and women stated they preferred newspapers as a supply of news, even though 5 indicated Television or radio was best for them. The closer the story to home, the more newsworthy it is. For somebody living in France, a major plane crash in the USA has a comparable news worth to a small plane crash near Paris. But here is what I realized even though, not everybody is prepared to do company when we offer you them the opportunity.
Locate your inspiration at the bottom of a cupcake or two and be considering of names even though baking or carrying out anything related to your company. The global village is defined as a worldwide neighborhood connected by electronic mediums, which is equivalent to a tribe simply because everybody is aware of everyone else's company (Griffin, 2012).

subset: commoncrawl


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Dangers of the Emotional Black Hole
FCGCT Commentary: As one lets go of the mind, and fully embraces the Heart, you no longer succumb to emotional black holes if you so choose.
Dangers of the Emotional Black Hole
Posted by spiritlibrary
We should have a warning sign to alert us when we're activating our emotional black holes, like the robot on the Lost in Space TV show (from the 1960s) that would wave its arms around and say 'Danger Will Robinson' when danger was approaching. The next best thing is to understand what emotional black holes are, what causes them, and how we can avoid being pulled into them.
Have you ever been just sitting around, minding your own business, and then you get a phone call or text that sends you into an emotional tsunami? Suddenly your life, which you thought was just fine a minute before, is now in emotional overdrive and you are so upset, angry, unclear, or sad that you spiral into a negative emotional funk. Or you're listening to the radio and a song plays that reminds you of your first heartbreak and you cry for days?
What just happened? Your emotional energy got set in motion because a connection was made to an emotional black hole which stirred up its energy and it sent you into a tailspin. Now you have to find the source of that emotional black hole and heal and release it so you can bring in new energies.
Emotional black holes are, contrary to what you may think, not places where we have no emotional energy. They are places in our emotional body where, like black holes in the universe, we have a concentration of very dense energy, a reservoir which contains all of our unhealed emotional trauma which is our soul wounds. Our most painful emotional memories, in current and previous lives, represent our biggest emotional black holes, and they are powerful forces of dense, negative energy. And like black holes in space they drain energy away from everything in our lives. They can turn our best times into sad events because they are a constant reminder of a painful past. And they have strong trigger points that can be easily activated by the smallest event or situation.
Emotional black holes work in two ways – they suck in energy as we try to find an antidote for the pain we are feeling, and they alter our energy body so that all of our energy mirrors their energy. The greater the trauma, the more we are impacted by the frequency and vibration of our emotional black holes. Think of a giant vacuum cleaner that sucks all of the joy, peace, and good things from your life. Do you create the vacuum so you won't risk being disappointed if things don't work out for you? Emotional black hole trauma is based on past experience so they have a basis in fact and truth.
And they are also the spaces we try to fill when we reach out for new relationships and look for people to love us. We hope they will fill the emotional black hole for us but, as you have probably already experienced, all they do is make the hole bigger because and they cannot give us something that we do not already have within us.
We receive and process universal energy through our emotional body and we are moving energy around all of the time. But our emotional black holes are a constant reminder of the pain we can experience when we take emotional risks or open our hearts to the potential for love. So we create an energetic comfort zone and we move energy in small amounts and within the same frequency and vibration, usually around the energy of our emotional black holes.
Then when we need to actually make a big shift and transform our old emotional energy, which means acknowledging it and consciously and intentionally releasing it from our energy body so another energy can take its place, something must get our attention.
So we create a life event that allows us to see where we are limiting our energy movement and which energy requires a major multi-dimensional move instead of a tiny, comfortable displacement. And when we need to shift the energy of our emotional black holes, the reminders arrive in hard to ignore ways that trigger every aspect. But when we ask for a transformation we get what we need to power up the change-mobile. Now we just have to do the work to implement the change in our life.
This is where we either stand up or give up, where we must be willing to trust that we won't fall if we try to soar into the joy, peace, love, and abundance that we want in our lives. Our emotional black holes drain us and create a strong negative vibration that impacts all of our energy. Releasing them allows more fulfilling energy to enter our energy fields and become integrated in our lives
If this is more noticeable to you now it is because we are experiencing such high frequency and vibration energy downloads that all of the dense, negative energy of our emotional black holes is being triggered and we need to be willing to release it to make room for a higher vibration. This is an important part of our ascension journey and being willing to do this level of healing, clearing, releasing, and transformation is a courageous step in that direction.
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This rarely happens in Kenya. It's the stuff that dreams are made of – a title race decided in a match pitting Kenya's greatest football rivals. this weekend, the Mashemeji Derby could decide the title race. Gor Mahia face AFC Leopards in the SportPesa Premier League on Sunday.
The clash at Moi International Stadium, Kasarani will not be a 'winner takes it all affair', no. However, AFC Leopards will no doubt have great pride and satisfaction if they ensure Gor Mahia are not crowned champions in this fixture. The only way this will happen is if Ingwe avoids defeat, denying Gor from reaching an unassailable 71 points on the tally. With seven matches left to play, the teams closest to the league leaders can only reach a maximum of 69 points. Also, should Bandari fail to beat Nzoia United tomorrow, a draw might still be enough for Gor Mahia.
It won't be easy for Leopards to postpone their rivals coronation though. Ingwe are without two of their leading scorers Ezekiel Odera and Whyvonne Isuza, both having been suspended. The responsibility falls on youngsters Marvin Omondi and Jaffery Owiti to get the goals they will need to thwart K'Ogallo's aspirations.
On the other hand, K'Ogalo have a make-or-break CAF Confederation Cup duel against USM Alger due in four days time. Coach, Dylan Kerr will still be keen to ensure they wrap up the championship.
He deliberately restied the big guns in their victory over Sofapaka in their last match. Kerr will this weekend unleash his big guns as they seek to conclude one of the most one-sided title races in recent memory.
Striker Jacques Tuyisenge is still chasing the 'Golden Boot', being two goals behind the leading scorer. He however has formed a habit of scoring against Leopards and he may be the one to determine the fixture's result.
Mashemeji Derby in the recent past
In February 2016, the almost unthinkable happened when bitter rivals and local football giants, Gor Mahia FC and AFC Leopards SC, unveiled the same title partner in gaming giants SportPesa.
The landmark deals announced in Nairobi marked the first time in their long history that a single brand has adorned their venerated jerseys and since then, K'Ogalo and Ingwe as they are affectionately known, have never looked back.
After a number of lean years that coincided with the near total collapse of domestic football, K'Ogalo and Ingwe have worked their way back to the apex of Kenyan game as well as into the hearts of their passionate supporters.
A year later, K'Ogalo reclaimed the SPL title as Ingwe lifted the cup-now renamed SportPesa Shield- as the most eminent teams in the country split domestic honours.
The Mashemeji Derby has reclaimed its billing as a signature sporting event in the country's calendar owing to the recent success shared by Gor and Leopards.
Theirs is a good example of what can be achieved when corporate and community institutions partner to raise the standards of sports in a country that has huge potential to become an international sporting powerhouse.
Above all, the ground breaking Gor and Leopards deal inspired SportPesa to go across the border and add their Tanzanian equivalents and sworn adversaries, Simba and Yanga SC to their expanding stable in May 2017.


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Wombwell Rainbow Interviews
I am honoured and privileged that the following writers local, national and international have agreed to be interviewed by me. I gave the writers two options: an emailed list of questions or a more fluid interview via messenger.
The usual ground is covered about motivation, daily routines and work ethic, but some surprises too. Some of these poets you may know, others may be new to you. I hope you enjoy the experience as much as I do.
Dimitris Bonovas
Dimitris Bonovas was born on 10-9-1989 in Ioannina, Greece. He graduated from University of Western Macedonia in the field of Computer Science and Engineering.
He started writing and composing at the age of 17. He graduated from Tsakalof conservatory at Ioannina with the degree of Harmony (2009), Counterpoint (2011) and Fugue (2015) with piano experience.
He took part in 2nd, 3rd and 4th team poetry collections of "Διάνυσμα" publications (2015, 2016, 2017) and he has published a personal one in 2016.
Links :
Personal blog :
stixoi.info :
youtube :
wattpad :
instagram :
The Interview
1. What inspired you to write poetry?
D.B. : It wasn't something specific. From the beginning, I was driven by my thoughts and emotions. I write when I'm sad, I write when I'm happy, I write when I'm in love… I write all the time!
2. Who introduced you to poetry?
D.B. : My experiences. I always wanted to find a way to express myself, to share my feelings with other people. And I found poetry.
3. How aware were you of the dominating presence of older poets?
D.B. : I was always fascinated by the work of great poets like Shakespeare, Poe, Neruda. And also Greek famous poets like Cavafy, Karyotakis and my personal favourite, Tasos Livaditis. I admire the way they had to "communicate" with others, how they did what they did.
4. What is your daily writing routine?
D.B.: I don't have a routine. I will sit there with my pen in my hand and let my heart do the talking.
5. What motivates you to write?
D.B. : Everything. It can be a feeling, or a personal experience or even a strange person on the way home.
6. What is your work ethic?
D.B. : Just "don't do to others what you don't want them to do to you".
7. How do the writers you read when you were young influence you today?
D.B. : After reading all those great poems by these extraordinary minds, I think that somehow they became a part of me. You can find a little Cavafy in me or a little Livaditis.
8. Who of today's writers do you admire the most and why?
D.B. : I admire those writers that write for the pleasure that it gives them. Not for fame or for money.
9. Why do you write?
D.B. : For me, writing is much more than just writing. It's the air that I breathe, the blood that runs through my veins… I think I found a way to fly.
10. What would you say to someone who asked you "How do you become a writer?"
D.B. : There's no answer to that question because the only thing you have to "learn" is how to put one letter after the other. After that, if you have it, start writing. That's all.
11. Tell me about the writing projects you have on at the moment.
D.B. : Right now, I have five projects on the run. Two about poetry, my personal one and one collaboration, one about prose and two about music (I am a musician also). In addition, along with some friends of mine, we are running a blog about literature (silverybooks.blogspot.com)


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GREENSBORO, N.C. -- Between Lowe's Home Improvement and the Walmart Supercenter off East Cone Boulevard in Greensboro sits more than 20 acres of tall grass.
It's the site of the former Carolina Circle Mall.
"We'll have a sportsplex right here on the site. Then we'll offer bowling and video arcade and a nice restaurant and maybe some golf," developer and former Greensboro City Councilman Jim Kee said.
While the lot is empty, Kee has a vision for he has planned as he gestures towards where the different amenities could go.
"I tell you, first of all it's exciting. It's bringing jobs and business opportunity to the citizens of Greensboro and particularly in east Greensboro," he said, smiling.
Kee, along with friend and developer Don Linder, are looking the turn this empty space, they are calling the CrossTown project, into a complex filled with a new hotel, stores and entertainment.
Right now, it has a price tag of $100 million. Kee says it helps fill the need for hotels in east Greensboro.
"District two does not have a hotel. Never has had hotels. So, this will be the first and only hotel in district two," he said.
He says the location is ideal being that Bryan Park, which is minutes away, attracts numerous soccer tournaments.
"The sportsplex, the city's sportsplex brings in over 250,000 people annually," Kee stated.
Also, minutes away is North Carolina A&T State University, which brings in thousands of people during its homecoming.
"District two, this is where I served as a councilman. Right here in district two. I live in district two. So, absolutely a labor of love," Kee said.
Kee is hoping to secure funding from both the city and county soon so they can start work as early as the fall.
He says construction could take roughly three years.


text: 22 сент. 2018 г. – Picking out a new garage door is no small task. Whether you're . Find out if the cost you have been quoted includes new tracks. As with most . DIYNetwork.com experts show you how to install a new garage door with these . You'll need to… Read more"Recreating A Need A New Garage Door"


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Arrangement of PlantsIntercat-3505
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For weeks, Lennon pesters Fin, who like Lennon admits to questioning his sexual orientation, for a commitment to spend twenty-four hours together exploring "the gay side of life." Each boy will seek to answer the terrifying question, Am I gay? Fin reluctantly agrees. Lennon pre-plans the day, filling the hours with what he assumes "gay life" is all about: funky hairstyles, fancy coffee drinks, shopping for fashionable clothing, boogying to Taylor Swift's "Shake it Off", and yes, listening to show tunes.
However, Lennon quickly realizes that in creating his plan he has succumbed to the most common and distorted gay stereotypes. Can he be gay and not fit them? And more importantly, is it possible that spending twenty-four hours together will convince Fin that he's gay, too? If so, maybe Lennon has a shot at winning the heart of the boy of his dreams.
"A Hard Day's Night" is a humorous young adult contemporary romance about two boys coming to realize that they don't have to be a stereotype to be genuine.
The day starts well enough, but as it goes on it gets worse and worse, and I think even Lennon starts to have second thoughts about what he has arranged.. Fin is from a well to do family, and I think he is afraid to actually explore his sexuality, especially as his family seemed determined to ignore where he wants to go to college, and seem to be trying to arrange his life for him.
Lennon seems to be getting more and more upset as the days goes on, even though he is determined for them both to experience as many gay things as possible..... but the trip to do things does not end well.
Things then go from bad to worse when they return to Lennon's home. Is Fin able to admit that he is gay?? Do Fin and Lennon remain friends after this day??
Mia focuses her stories on the emotional growth of troubled men and their relationships, and she believes that sex has a place in a love story, but not until it is firmly established as a love story. As a teen, Mia filled spiral-bound notebooks with romantic tales of tortured heroes (most of whom happened to strongly resemble lead vocalists of 1980s big-hair bands) and stuffed them under her mattress for safekeeping. She is thankful to Dreamspinner Press for providing her with an alternate place to stash her stories.
Mia is proud of her involvement with the Human Rights Campaign and cheers for each and every victory made in the name of marital equality. Her only major regret: never having taken typing or computer class in school, destining her to a life consumed with two-fingered pecking and constant prayer to the Gods of Technology.


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The Sinhala and Tamil New Year will dawn at 8.13 a.m. on the auspicious day of 14th April, 2018. Festivity fills the air and the country is in full bloom. The aroma of sweetmeats wafting off from the kitchen tingles the nostrils, inviting you to delve into the blissful world of Avurudu sweetmeats. Happy shoppers pile up their carts and light up their faces with big smiles.
Transition of Zodiac signs
The Sri Lankan isle celebrates Sinhala and Tamil New Year with age-old traditions. The transition of the Sun from the house of Pisces to the house of Aries marks the dawn of the New Year. Aluth Avurudda in Sinhala and Puthandu in Tamil means New Year. Sri Lankans get together to welcome the dawn of the New Year with much pomp and fanfare. People clean and repaint the households to enhance the feel of newness in the New Year.
The Sinhala Way and The Tamil Way
The hustle and bustle in the kitchen starts with the preparation of mouthwatering sweetmeats. One can indulge in the air infused with the tantalizing smell of Kokis, Kavum, Aluva, Asmi, Athiraha, Unduval and many other traditional delights cooked in Sinhalese households around the island. In Tamil households sweetmeats galore includes Pongal, Laddu, Adhirasam and Murukku.
The sound of firecrackers and the rhythm of rabana officially announces the dawn of the New Year. As the New Year sets in, the traditional oil lamp gleaming in gold is lit at the auspicious time. The lady of the house ignites the hearth and boils a pot of milk, signifying prosperity. The sight of milk bubbling from the pot brings a feeling of pure ecstasy and fills the hearts with new hopes. Then milk rice is cooked in a fresh clay pot over a spurting fire as the very first dish of the New Year. The delicious dish of milk rice becomes the centerpiece of the New Year table. Everyone will feast together on a hearty meal.
Unity and Harmony
Neighbours exchange plates of sweetmeats strengthening the bonds and burying resentments. Families visit their relations. Bridging families and friends together, people start playing games on the streets spreading the true happiness of the New Year. Cheerful voices and very merry New Year wishes fill up the air, reminding us the beauty of perfect harmony that binds each and every nation with unbreakable bonds.
The Sinhala and Tamil communities follow a plethora of traditions and rituals in celebrating the New Year. Amidst the diverse rituals and customs, the New Year envelopes the entire country with a sense of oneness. New Year is an annual opportunity for us to forget our grudges and move forward like a brand new person. Celebrate the New Year and make this a chance to rejuvenate bonds, rekindle relationships and reunite with families and friends.


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Jetlines Appoints Experienced ULCC Finance Executive to Board of Directors and As Special Advisor to the CEO
VANCOUVER, BRITISH COLUMBIA, Canada Jetlines Ltd. (JET: TSX-V) (the "Company" or "Jetlines") is pleased to announce the appointment of Alan Bird to Jetlines' Board of Directors serving as well as a special advisor to the CEO. Alan has more than 25 years of airline finance experience including executive tenure with VivaAerobus, Tiger Airways, and British Midland.
Mr. Bird most recently served as Chief Financial Officer for Mexico's fastest growing ULCC air carrier, VivaAerobus. During his tenure as CFO Alan helped create the lowest cost airline in North America. Mr. Bird was responsible for the purchase agreement for 52 new Airbus 320, the largest deal recorded at that time by a Latin American airline. In addition, he successfully raised MXN$1billion of fiduciary certificate debt finance as a part of an acquisition program.
Prior to VivaAerobus, Mr. Bird served as Chief Financial Officer and board member for Tiger Airways Singapore. In this role, he initiated the IPO process that realized significant gains for shareholders and was instrumental in establishing sound financial practices for the start up of a subsidiary airline in Australia. From 1997 to 2007, Mr. Bird held the role of Finance Director to British Midland International and was responsible for the overall financial management and procurement function for the BMI Group of Companies. Mr. Bird was part of the team in the deal that secured an exit for shareholders at a valuation of


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To Alexander Hamilton from Tench Coxe, 10 May 1795
From Tench Coxe1
Philada. May 10. 1795
Since I wrote you last2 I have recd. a reconveyance for eleven tracts of the land formerly Church & Coxe's & sold to Wheelen Miller & Co—taken out by lot or draught. The deed was made to Mr. Church in consequence of our law being repeated, which gives foreigners a right to hold lands in Pennsa.3 & before your letter about Mr. Anthony appeared.4 If it be not agreeable to have the title so the deed now made can be cancelled, and one to Mr. Anthony can be made. It however appears to me adviseable to take all the titles in Mr. Church's name because he will be able to hold when the law expires. I do not suppose his equitable title under a trust now would enable him to receive the legal title, if the law were terminated by its own limitations. I offered to take for Mr. Church from the gentlemen as many more of the lands as would make up his original quantity but they would not consent to it, unless I would draw out of the whole—that is out of patterson's as well as mine. This I would not agree to as those we hold are really better. The deeds for the Twenty tracts with Ruston & Co are lying ready to be drawn out of the entire parcel owned by Mr. Murray, Mr. Church & myself.5 Mr. Anthony was ready once when I had not time, & since that his Daughters Marriage & the Grand Jury on the Western Business have prevented him.
Doctor Francis Josh. Smith of the concern of Ball & Smith offered me a few days ago his moiety of that original Concern (half of 89 tracts) out of which Church, Murray, & Coxes 1600 A. are to be taken. The dispute with Messrs. Willing6 Bingham7 & the Surveyors8 continues,9 but I have so good an opinion of the Justice of our Cause, and I consider the owning Smiths half of the original right so important to our success & is itself so well worth purchasing that I gave him 800 Drs. or £300 for his original Moiety of the 89 tracts subject to the cost & charges & to the claim of Church Murray & Coxe. It being most equitable & proper that our original concern should have it, I have written to Mr. Murray10 to offer him the same proportion of it as of the contract with Ball & Smith vizt. ³⁄₁₂, and I now make you the offer for Mr. Church of half of the remaining ⁹⁄₁₂, the other half I hold of course. The proportion in Money for Smith will be to Murray £75—to Church £112.10.0 to Coxe £112.10. If it be agreeable to you be pleased to inform me & I will charge Mr Church in account as interest of my Bond to him. The contract with Smith is of the 22d. day of April last.
All difficulties with Wheelen, Miller & Co. are now obviated. They were in my opinion only pecuniary in the late trying Times. They have ⟨– – –⟩ments for nearly all the first payments, and have desired me to make out Bonds for the 2d. & 3d payments, which I shall have done immediately. I am, sir,
your most obedient Hble servt.
Alexr. Hamilton, Esqr.
ADf, Tench Coxe Papers, Historical Society of Pennsylvania, Philadelphia.
1. For an explanation of the contents of this letter, see the introductory note to Coxe to H, February 13, 1795. See also Coxe to H, February 17–18, 22, 1795; H to Joseph Anthony, March 11, 1795.
2. Letter not found.
3. "An Act to enable Aliens to purchase and hold real Estates within this Commonwealth," which was passed on February 11, 1789, expired of its own limitation on January 1, 1792 (Pennsylvania Laws, 1789 Sess., Ch. VI). On March 8, 1792, "An Act to revive and continue in force, for a limited time, an Act, entituled 'An Act to enable aliens to purchase and hold real estates within this commonwealth'" was passed. This act stated: "… That the said act, to enable aliens to purchase and hold real estates within this commonwealth, shall be revived and continued in force for the term of three years from the passing of this act, and from thence to the end of the session of the Assembly next ensuing" (Pennsylvania Laws, 1791–1792 Sess., Ch. LXXXVII). On February 12, 1795, "An Act to extend an act, entituled 'An Act to enable aliens to purchase and hold real estates, within this commonwealth'" was enacted. This act reads: "… That the act entituled 'An Act to enable aliens to purchase and hold real estates within this commonwealth,' shall continue in force for the term of two years from the passing of this act" (Pennsylvania Laws, 1795 Sess., Ch. CCLXXV).
4. Letter not found, but see H to Anthony, March 11, 1795.
5. See "Acct of Ruston & Co for J. B. Church," May 21, 1795 (AD, Papers of Tench Coxe in the Coxe Family Papers at the Historical Society of Pennsylvania, Philadelphia).
6. Thomas Willing, a native of Philadelphia, had been mayor of that city in 1763. From 1767 to 1777 he was associate justice of the Supreme Court of Pennsylvania. He was a member of the Continental Congress in 1775 and 1776, president of the Bank of North America, and the first president of the Bank of the United States.
7. William Bingham.
8. Samuel Rees and James Chapman.
9. This is a reference to "the dispute between … Reese and Chapman and … [Coxe] (on behalf of the … partnership [with John B. Church]) respecting the title of the lands contracted for with … Ball & Smith … heard before the Board of Property of the Commonwealth of Pennsylvania and decided in favor of … [Coxe and Church], whereupon … Reese & Chapman brought Ejectments agreeably to the law of Pennsylvania in order to procure a reversion of the decision of the said title in the Court of Common Pleas of Northampton county, which was afterward removed to the Supreme Court …" (Coxe's bill in equity, April 22, 1799 [DS, RG 21, Records of the United States Circuit Court for the Eastern District of Pennsylvania, Equity Records, Case Files, 1790–1911, National Archives]). See also "Account (A.) of Lands contracted for with Ball & Smith by Tench Coxe, for John Barker Church Esquire & himself," June 18, 1797 (AD, Tench Coxe Papers, Historical Society of Pennsylvania, Philadelphia). On March 23, 1803, Coxe wrote to Church: "Altho the Referees long since gave an award for us and against Rees &c. who opposed us, yet … Counsel for Mr. Rees & for Mr. Bingham … took exceptions to the award…. At the december term of the Supe. Court, he obtained a rule on me to shew Cause why the award should not be set aside. Several Witnesses have been examined, and the argument was proposed for to morrow but there was no chance of getting thro the Matter this term. It will be six Months till another, and then it may be excluded by elder argument cases. In the mean time I find that the Lands, if secured will not be of the stipulated quality. Mr. Ball is unable to pay Damages & Smith is dead. The price will be 25 Cents…. I thought it best to negociate & have agreed to relinquish the claim for 3500 Dollars to us…. The precariousness of Success, the quality of the lands, the present state of such property, the actual profit on the operation, the immense trouble I have had & the vast trouble I might yet have, if the Court should not maintain the award determined my Conduct …" (ALS, Tench Coxe Papers, Historical Society of Pennsylvania, Philadelphia).
10. Coxe to William Vans Murray, May 1, 1795 (LC, Papers of Tench Coxe in the Coxe Family Papers at the Historical Society of Pennsylvania, Philadelphia). On May 17, 1795, Murray wrote to Coxe and declined Coxe's offer (ALS, Papers of Tench Coxe in the Coxe Family Papers at the Historical Society of Pennsylvania, Philadelphia).


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Hello and welcome to exampundit. Here are some very important grammar rules you must know if you want to solve Error Correction Faster in SBI PO and IBPS PO Bank Exams.
The following Important Grammar Rules to Solve Error Corrections are prepared after thorough research done by our content team.
Important Grammar Rules to Solve Error Corrections
Subject-Verb Agreement
The most common grammar mistake that students are tested on is subject-verb agreement. Here is an example:
The committee(a), made up of(b) several women, are(c) deciding on(d) the school budget next week. No error(e).
The mistake is choice "C".
The subject of this sentence is "committee", which is singular and therefore needs a singular verb. "Is" should replace "are" in this sentence.
This sentence contains a clause. The clause is the fragment of the sentence between the two commas, and it separates the subject from the verb. Therefore, you are tricked to think that the verb ("are") should agree with "women". In this case, read the sentence and eliminate the clause, so that the subject and the verb come directly after each other. By doing this, you will be able to tell if the subject does not agree with the verb.
Here is a second example:
We enjoyed the brilliant(a) sunshine of the beach(b) so much that day that when we left there was(c) only one couple and one lifeguard(d) still there. No error(e).
The mistake is in choice "C".
"One couple and one lifeguard" is an example of a compound subject. A compound subject is when there is more than one person in the subject. A compound subject must always go with a plural verb. "Was" is a singular verb; "were" is a plural verb and should be used instead.
Subject-Pronoun Agreement
Another grammar mistake they ask about constantly is subject-pronoun agreement. This is a lot easier to understand than it sounds. An example will help you understand exactly what to look out for:
A smart tennis player such as Samantha is(a) someone who knows(b) how to move around the court(c), can hit winners at the net, and controls their(d) emotions. No error(e).
The mistake is in choice D.
"Their" is a plural pronoun. The antecedent, and subject in the sentence, "player", is singular. Instead of using "their", the sentence should have used "her" as the pronoun.
Parallel Sentence Structure
A third grammar concept that is called parallel sentence structure. Here is an example of a sentence with a mistake in parallel sentence structure.
In a survey of(a) the school's fifth graders, playing in gym class, painting in art class, participating in science labs and lunch time(b) were all mentioned repeatedly(c) as favorite activities in school(d). No error(e).
In this sentence, "lunch time" should be changed to "eating lunch." Each of the items that the fifth graders mentioned start with an "-ing" word. This is called parallel sentence structure. Each item in a series should be written in the same grammatical form.
Subject/Object of Sentence
This is an important grammar rule.
The teacher asked Harry and I(a) if we could, due to(b) the upcoming exams, attend her(c) review class after(d) school. No error(e).
The mistake in this sentence is choice "A".
In this sentence, "Harry and I" is the object of the sentence, which means "Harry and I" should be changed to "Harry and me". If this was the subject of the sentence, then "Harry and I" would be correct.
Proper Verb Tense
Here is a sentence that contains an improper verb tense:
The three coaches decided not(a) to pick the team right after(b) practice that day, but they do(c) talk on the phone and made the final decisions that night(d). No error(e).
Choice C contains the mistake because "do" is in the present tense. "Do" should be changed to "did." This entire sentence is written in the past tense. For example, "decided" is a verb used when something happened in the past.
Incorrect Comparisons
Examiner loves to test students on incorrect comparisons. Here is an example:
Sam felt(a) extremely confident going into(b) the final round of interviews, because his list of credentials was far more impressive(c) than his competitor(d). No error(e).
The mistake here is in choice D because Sam's list of credentials is being compared to his competitor rather than his competitor's list of credentials. Even though we may understand the sentence, "his competitor's" or "his competitor's list" needs to be used so that there is a proper comparison.
When comparing two things, use what's called the comparative: more or a word that ends in –er, such as smarter:
Example: Of the two runners, he was the faster.
When comparing three or more than three things, use what's called the superlative: most or a word that ends in –est, such as smartest:
Example: Of the three runners, she was the fastest.
Diction Error
Another grammar concept that is called diction. Diction basically means word choice. Here is a sentence that contains a diction error:
When the opera finally came to a conclusion(a) at nine, we still had not eaten dinner and wanted to decide quick(b) what type of food(c) everyone would be happy with(d). No error(e).
The mistake here is in choice B.
"Quickly" should be used instead of "quick." If a verb, such as decide, is used in a sentence, an adverb is needed to describe how somebody is going to decide. "Quickly" is an adverb. Adverbs very frequently end in "-ly." In this example, an adjective, "quick," was used in a place where an adverb should have been. This is a common mistake used that students should really look out for.
A second type of diction error is when a slang type of expression is used instead of a more formal type of expression. Since there is some gray area between what is considered slang and what is considered formal. Here is a sentence with an error of this type:
The reason for(a) the poor attendance at(b) today's annual party is because(c) the weather has been highly unpredictable(d) all week. No error(e).
The mistake here is in choice C.
The phrase "is because" is not grammatically correct in this sentence. The word "because" should not be used after the word "reason." Instead, the phrase "is that" should be used.
Proper Number Agreement
This means that if a sentence has a plural subject then any phrases that describe the subject must be plural as well. Here is an example:
The travel tour through(a) Italy is(b) intended for(c) families with a young child(d). No error(e).
The mistake here is in choice D because the noun in the second part of the sentence, "families," is plural and the phrase "with a young child" is singular. The phrase "with young children" should be used instead.
Unclear Pronouns
An unclear pronoun refers to a pronoun found in a sentence where it is unclear as to what the pronoun is referring to.
Sarah and Karen were(A) enjoying the hike up(B) the mountain until she(C) felt ill and they had(d) to turn back for home. No error(E).
The mistake in this sentence is choice "C" because it is unclear as to whether the pronoun "she" is referring to Sarah or Karen.
Words that go together
Here are some words that always go together:
(1) When you use preoccupation, you always use with: "He has a preoccupation with something."
(2) When you use inconsistent, you always use with: "His words were inconsistent with something."
(3) When you use regarded, you always use as: "She was regarded as the best."
(4) When you use between, you always use and: "She was making a choice between this and this."
(5) When you use either, you always use or.
(6) When you use neither, you always use nor.
(7) When you use each, you always use its.
So, these were the most Important Grammar Rules to Solve Error Corrections for Bank PO and Clerk examination.
Team Exampundit
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So yesterday was a full day on the layout, and the progression of the detection wiring needed to be progressed yet again. Its amazing how much is involved once you actually get going and start doing instead of planning...
One of the future proofing items that needed addressing was the powering of all of the mainline & detected track turnouts. Not really a big tack in respect to the wiring of them, but a big task in pulling them out of the already installed track work.
Seeing that 95% of all of track & turnouts are PECO Code83 its actually quite easy. There are two reasons for actually doing this, the first is I have decided that each turnout will be its own detected block. This way when a caboose or locomotive is blocking either the straight through or diverging route it will show on the panel. This saves an entire section of a block from being show as occupied when it may only be the turnout itself.
The other flip side is it makes the PECO turnouts virtually bullet proof. The "Insufrog" range I use feeds power to the turnout via the point end on the point rails, if they become dirty or don't quite make contact with the stock rail it will give a poor power supply.
To overcome this I have wired power to corresponding stock rail and point rail, this ensures that the turnout always power, and if isolated for detection purposes for signaling it can be powered through a Digitrax BDL 168 as a separate block.
Its pretty simple and quick to wire them up...
The gaps are already there from the PECO factory, you just have to be careful with the heat time not melting the plastic, I use a pencil soldering iron.


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Acharity cook-off raised £38,000 for the Cyrenians earlier this month.
Teams from Artemis Investment Management, Cairn Energy and Dickson Minto went head to head in the challenge.
Each groups was let loose in the kitchen at The Bonham hotel in Edinburgh to create a menu for 60 of their colleagues.
To add to the pressure live pictures were broadcast in the dining room to ensure no shortcuts were taken.
Dick Turpin, team captain for Artemis, said: "It was hard work but an unforgettable experience for such a worthwhile cause."


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Topical Forums On HubPages
Dodgeball is a simple game, played by simple people. No history ? No problem ! Atlanta United was founded in 2014 when Major League Soccer (MLS) awarded the city of Atlanta a professional football (soccer) franchise. Despite being officially founded in 2014, the team did not begin play in the MLS until the 2017 season, losing their first ever game to New York Red Bull at the Bobby Dodd Stadium.
That doesn't mean players don't have their roles, it's just a strategy teams are taking advantage of. If you have a very skilled defender, with good speed, who can get into the attack and score goals, then you try to make use of that and get them the ball. You look at have a midfielder 18hoki or another defender cover for this player when they are up in the attack. Strategy in soccer is about taking advantage of an opportunity, numbers up for example, and adjusting. So the team pushes forward but other players are aware of the potential for a counter attack.
The crucial aspect of any good pass is it being difficult to intercept. Good passers can pass the ball with great accuracy and they know exactly where each of their other teammates prefers to receive the ball. A special way of doing this is passing the ball without looking at the receiving teammate. This is called a no-look pass.
Why are we talking about non-academy teams on this page? MF has lots of problems. No fields of their own. Over crowded practice. Nickel and dime you on everything. Overcharged for travel for tournaments. If you really have a daughter on the girls side you know that is the truth.
In the first part of game you will have two teams who are unforced to play against each other. I know this is common sense, however this is the basic rules of soccer. The very first basic rules of soccer should come into play as soon as both of these teams are on the field. There should be Eleven people on the field at one given time. The rest of the squad should be sitting or waiting on the sidelines waiting to go in and play. They must stay there unless they are required to go on the field.
Soccer Star 2016 World Legend is a free Sports game with over 10,000,000 download from Play Store. Soccer Star 2016 World Legend (com.generamobile.soccerlegend) is the property and trademark from the developer Genera Games and its apk file is only for home or personal use. The game is available on both Google Play and it can be played on Android devices. But, if you are looking for a way to install and play Soccer Star 2016 World Legend on PC, you are in the right page.


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Occupational Therapy helps children with their main job; having the quality childhood they deserve. The goal of occupational therapy is to improve self-help skills and adaptive behavior for individuals with developmental delays. Occupational Therapists (OT's) help children acquire (or regain) the skills needed to perform the activities—or "occupations"—of daily life. The focus of our treatment is to promote self-care by giving children the tools they need to grow into the highest level of independence.
Our pediatric occupational therapists (OT) work with children and infants who have problems in cognitive functions, movement, and coordination. These young patients could be living with a wide range of conditions, such as neurological complaints, orthopedic injuries, spinal cord damage, muscular dystrophy, or other motor disorders. The work of pediatric occupational therapist involves analyzing and treating skeletal, neuromuscular or cognitive restrictions of their young patients and helping them in developing their interaction and communication skills, refinement of motor skills and educating them in self-care abilities, especially for the older children. Most of the patients are too young to understand verbal instructions, so we often incorporate games into the therapy. This will help to engage their interest and cooperation. It is imperative to have the commitment and support of the family as well.


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Euston Square station used to be on my daily commute to university when I was a student in London. At the time it was a very nondescript station that you disappeared down into through a very plain looking entrance on the south side of Euston Road, at the top of Gower Street. Very occasionally a student night out might mean I had to take the equally nondescript entrance on the north side of the road and go through the underpass, but rarely. I never really looked at the station as a destination of any sort, but boy they've spruced it up since those days.
Euston Square was given a new entrance in 2006 on the south side of the road as part of the new headquarters of the Wellcome Trust building on the corner of Euston Road and Gower Street. There's even lift access now to the Westbound platforms.
Euston Square is a bit of a strange station in that it so often gets confused with nearly Euston on the National Rail Mainline. Euston is served by some of the deep level tube lines, but the older cut and cover lines (Circle, Hammersmith & City and Metropolitan) are a short walk away at the separate Euston Square station. It's not a long walk between the two (and the latest version of the tube map actually now shows the connection with a dotted line between them) but I always used to find confused tourists on the platforms trying to work out where their train to Manchester or Birmingham was going from. There has been lots of talk of creating a subway linking the two stations, and it may still happen, but as yet there are no firm plans to do so.
Euston Square was originally opened in 1863 as Gower Street station, which makes sense seeing as it is on the corner of Gower Street, but it was renamed in 1909 to give it the current name.
If you look carefully on the platforms there you will see some slightly different roundels in the tile work. Alongside the station name there are two roundels in solid colours instead of the traditional red and blue.
One is yellow and the other purple, and across the centre they say either Circle Line or Metropolitan Line. These date form 1983, before the time of the Hammersmith & City line, hence the fact that there isn't a pink version.
I'm told that the only other place on the Underground where you see the name of a line on the bar of a roundel is Holland Park. I'll have to try to remember to seek it out when we visit there.
Tube Stop Baby Facts – Euston Square
Date of visit: 10 January 2019
Underground Line(s) – Circle, Hammersmith & City and Metropolitan
Zone: 1
If you want to know more about our Tube Stop Baby Challenge then pop over here and have a read.


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My life got flipped and turned upside down,
And I'd like to take a minute, just sit right there,
I'll tell you how I survived my EWMBA first year.In Berkeley and Santa Clara, tired and dazed,
In the classroom where I spent every Saturday,
Problem sets, case studies, papers all cruel,
Ten units in the spring seemed like just too much school.
We analyzed firms, why they were up to no good,
Started talking GDP with Mr. Wood,
Got addicted to Littlefield, to see how we compared,
Hit up Henry's after class for a couple of beers.
I prayed for passing grades and when the end came near,
Facebook posts entertained, speculating Greg's career,
If anything I think we were exhausted to tears,
But I thought nah, forget it, we're almost there!
I walked out of my finals, around 4PM,
And I said to my classmates, "it's the end of our first year!"
Looked at everyone, we were finally there,
To sit on our thrones, now as second years!


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Your click on the "Click Here to Give - it's FREE" button helps fund free mammograms for women in need — low-income, inner-city and minority women whose awareness of breast cancer and opportunity for help is often limited. Your click is paid for by site sponsors, and mammogram funding is provided to clinics throughout the U.S. through the efforts of the National Breast Cancer Foundation.
Early Detection: Do You Know The Facts?
The National Breast Cancer Foundation estimates that each year, over 200,000 women will be diagnosed with breast cancer and over 40,000 die. One woman in eight either has or will develop breast cancer in her lifetime. Approximately 1,700 men will be diagnosed with breast cancer and 450 will die each year.
If detected early, the five-year survival rate for breast cancer exceeds 96%. Mammograms are among the best early detection methods, yet 13 million U.S. women 40 years of age or older have never had a mammogram.
The National Cancer Institute and U.S. Department of Health and Human Services recommend that women in their forties and older have mammograms every one to two years. A complete early detection plan also includes regular clinical breast examinations by a trained medical professional. Monthly breast self-exams are suggested in addition.
Mary Director
Stampin' Up! -- Discover Your Creativity
(On-line ordering now available thru my website)


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INDIANAPOLIS -- U.S. Attorney General Jeff Sessions paid a visit to Indianapolis on Thursday to give a pep talk to Hoosier law enforcement officers at the annual Indiana Law Enforcement Conference.
During his speech, Sessions also laid out certain priorities for the Department of Justice.
Thursday's visit was Sessions' third trip to Indiana. During his last trip, back in November, he took a walk with Ten Point Coalition's safety patrol to get a sense of what they do.
"I remember very well exploring the Ten Point Coalition who are working to reduce crime in their neighborhood," said Sessions. "People who have stepped up and taken leadership."
Sessions talked about the importance of "Project Safe Neighborhoods," an initiative to target and prioritize the most violent criminals in the most violent neighborhoods.
And he lamented the 1800 Hoosiers who died from drug overdoses last year, blaming what he called "killer fentanyl."
"Give more attention to these fentanyl cases. Even these small cases, give it attention. See if you can get the person to tell you where they got it. Let's go after them. Let's make a determined effort to reduce the supplies of fentanyl in this country."
Sessions also expressed his support for law enforcement and honored Boone County Deputy Jacob Pickett and Terre Haute Police Officer Rob Pitts, who were both killed in the line of duty this past year.
"You are the thin blue line that stands between law-abiding people and criminals - between safety and lawlessness. You protect our families, our communities and secure our country from drugs and violence. The people of this country appreciate what you do."
More than 500 law enforcement officers from Indiana attended Thursday's event.
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Once the Olympic Trials had concluded, Stanford women's swimming coach Greg Meehan took a big breath and let it all sink in.
Fair to say, Meehan's cup runneth over.
He saw three of his swimmers, a diver, and a paralympian qualify for Rio.
"We didn't have anyone in 2012," he said. "Taking a step back and gathering my thoughts ...they absolutely exceeded expectations. In terms of the achievement of the program this is something I'm very proud of."
Swimmers Simone Manuel, Lia Neal and Maya DiRado, diver Kassidy Cook and paralympian Brickelle Bro all advanced.
"Going in I knew it was a possibility," said Meehan, who will also be in Rio as an assistant coach for the U.S. team. "But the Olympic Trials are the most challenging meet an athlete can compete in. Some big names didn't make it or not in as many events as expected."
Who has the best chance for a gold medal?
"I think they all have medal potential," Meehan said. "The difference between gold, silver and bronze is not very much. Especially the two competing in the 400 free relay, Maya in all three of her events and Simone in her two. They all are in the mix."
Cook missed out on the 2012 Olympics due to a shoulder injury. This time around she led throughout the 3-meter diving competition at the Olympic Trials and qualified for her first Olympic Team.
"Kassidy has really put herself in great position to compete on the world stage," Meehan said. "It's been very exciting for me to see her improvement."
Manuel took second in both the 50 free and 100 free at the Olympic Trials. Neal qualified, along with Manuel, in the 400 free relay. DiRado won three events: the 200 IM, the 400 and the 200 back.
"Now it's more about having fun," Manuel said at a recent Stanford Olympic Swimming Media Day. "Get back into the zone, watch video, try to improve and get faster in Rio."
As the swimmers finished up with media interviews, they prepared to greet a line of approximately 270 youngsters, primarily girls, on hand to meet the Olympians.
"It's unbelievable the people here wanting our autographs," Manuel said. "Growing up I always looked up to someone. Now to have that reversed. Becoming a role model is very humbling."
World record holder Katie Ledecky, who will be at Stanford in the fall, also won three events during the Olympic Trials.


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People who are attached to sutras and a scriptural teaching of words can lack faith in the living, mysterious experience of meditation that leads to a sudden insight. They are . . . attached to the stubborn habit of distinguishing between "true" and "not true." Believing only what is written in holy texts, they are conceptually mesmerized by the treasures of others, instead of digging inside to discover the priceless gems of their own, lying deep within.
~So Sahn
it is said that our revelations not only reveal themselves, they reveal our eternal reality, something that we chase all of our lives….an internal truth, an awareness of fragility and faith……
In the middle of the night
On the edges of my dreamscape
Caribou race along the rim of distant hills
And disappear.
They offer no words
But somehow they say
In vague, shifting images of gray and brown
Moonlight and pounding hooves
Stand still. Wait for once.
Don't race over there
And stand in the middle.
Let chaos go its own way
Confused, discordant.
Keep your internal center of balance
A compass on the bridge of a storm-tossed ship.
What is the destination?
Where do we want to go?
I wish I knew.
In the darkness
Just past the light of the campfire
In the wild, nocturnal mystery
Sounds coming at you from the night
Breathing, the sound of some big animal breathing
Something's waiting for you there.
Go. You won't create your new tomorrow
Hanging around the fire, waiting
Waiting for tomorrow
Staring at flames that become embers
That become darkness.
Embrace your darkness now.
So a road opened up
And I took it.
Down some dark stairways into myself
In search of the sun.
What was supposed to happen, didn't,
And wasn't supposed to, did.
I don't know what is going on.
I don't know how things are supposed to be.
~Roderick MacIver
We must learn to hold the tension between the reality of the moment and the possibility that something better might emerge. The insight at the heart of nonviolence is that we live in a tragic gap- a gap between the way things are and the way we know they might be. It is a gap that never has been and never will be closed. If we want to live nonviolent lives, we must learn to stand in the tragic gap, faithfully holding the tension between reality and possibility in hopes of being opened to a third way. ~Parker J. Palmer


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Women's Information Center is a non-profit organization, which supports the establishment of democratic values through the protection of women's rights and promotion of gender equality. The organization has been working since 2000 and obtained since then public trust and interest.
Women's Information Center is still working for the interest of the Georgian society and continues the implementation of goals and tasks that will support the promotion of democratic processes.
To contribute to the political, economic and social conditions of women through the improvement of the national legislation, improvement in access to information and awareness-raising on their rights and opportunities.
Women for Equality, Peace and Development – financed by the Government of Norway; Goal of the project is to support the efforts and strengthen the capacities of IDP and conflict-affected women's groups, other partners from civil society and government to advance gender equality and women's human rights in Georgia.
Monitoring of National and International Obligations Implementation in the Field of Women's Rights – financed by Global Fund for Women (GFW). Project aims at monitoring of international and national obligations implementation in order to protect and fulfill women's rights in Georgia.
Empowered Women for Public Life – financed by US Embassy. Project aims at shaping public opinion through mass media in order to increase understanding, awareness and value of a gendered perspective for creating the internal pressure necessary to further the demand for gender equality and women's rights.
Contact Information
Address: 40 Tsinamdzgvrishili Street, Tbilisi, 0102 Georgia
Phone: + 995 32 2952934
Fax: +995 32 2942699
Email: email@example.com


text: Pamela McKuen is a baby boomer who travels with style. She's a Chicago-based freelance journalist who specializes in travel, home and fashion. Favorite experiences include swimming with whale sharks in Cancun, fishing for piranha in the Amazon River, and viewing the annual sandhill crane migration in Nebraska. Plus, eating dark chocolate. Visit her travel blog at: www.AllTheWritePlaces.com.


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Thanks to the generosity of our Alumni, we are able to offer a scholarship for the first year of the MBA (B716) to someone with the potential to be a Future Leader. The fund is aimed at those early in their careers that view the MBA as the essential next step in accelerating their success. Upon successful completion of B716, the candidate will be awarded a Postgraduate Certificate in Business Administration, the first award on the pathway to an MBA.
This year, the scholarship was awarded to Tim Lewis. Tim works for a fertilizer development company in the UK and commenced his studies with OUBS in May.
As a scientist working in a commercial environment, I feel this is an opportunity to develop business skills and knowledge, which I can use to develop into a lead role of bridging science and business environments to the benefit of society.
Starting the MBA will enable me to achieve a broad foundation of business knowledge from an independent, world leading institution. I feel very proud to have earnt this scholarship and look forward to the challenges and experiences of the course.
I also want to thank the OUBS alumni who make this scholarship possible to people like me who are starting out on their own business education.Tim Lewis
For full details of how to apply and the terms and conditions of the scholarship, please visit the Future Leader Fund page.
If you are an MBA graduate and would like to support a scholarship, you can donate via The Open University donations page and choose 'MBA Future Leaders Fund' from the dropdown menu.
Wednesday, June 17, 2020 - 09:00 to 10:00
Wednesday, July 1, 2020 - 09:00 to 10:00
Wednesday, July 15, 2020 - 09:00 to 10:00


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Do chiropractors treat children?
Chiropractic treatment is based on the basic biological and physiological sciences which apply equally to children as they do to the adults. Chiropractic treatment is as beneficial to children as it is to adults, and children should be seen by chiropractors when appropriate and in a preventive way.
The scientific literature is now demonstrating that low back pain is a very prevalent condition amongst school children. For example a 1992 study in the American Journal of Public Health found that the prevalence of low back pain (LBP) in adolescents up to age 15 is over 36 percent, and thus concluding that LBP in adolescents is a serious public health problem.
As well, children can benefit by periodic spinal examinations where the chiropractor will look for clues to possible postural weaknesses that may predispose children to later problems related to their spine and skeleton. Chiropractic care is always adapted to the individual patient. It is a highly skilled treatment, and in the case of children, very gentle.


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What is 'PUA.Boostspeed'
"PUA.Boostspeed" is deemed as a potentially unwanted program that throws numerous bogus alerts all over the browser. Usually this rouge application enters while downloading freeware from untrusted sites or visiting any malicious website. PUA.Boostspeed is thus considered to be a malicious extension as it drop invasive ads that can leads the compromised PC for further malware attacks. Besides this PUA.Boostspeed can also hamper your privacy by spying your online activities. Thus it need to be removed as soon as possible.
Threat's Summary:
|"PUA.Boostspeed "
|Risk Impact
|"PUA.Boostspeed " is a potentially unwanted program that displays highly invasive ads and bogus pop-ups.
|Possible Symptoms
|Performance degradation of system, Malware Attacks, Cyber Theft, Deliver of Fake error warnings, avoid visiting useful web address, Change of browser settings and adding up start-up codes to Registry Editor.
|Detection / Removal Tool
|Download the Detection/Removal tool– To confirm attack of "PUA.Boostspeed " virus on your computer.
We would recommend to use below tool and run it on your computer to remove PUA.Boostspeed automatically.


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"Authenticity is a collection of choices that we have to make every day. It's about the choice to show up and be real. The choice to be honest. The choice to let our true selves be seen."
― Brené Brown, The Gifts of Imperfection: Let Go of Who You Think You're Supposed to Be and Embrace Who You Are
That might sound a little extreme for something like writing social media posts or blogs, but I honestly don't think so. I'll put my bleeding heart aside for a moment and get technical: research consistently shows that purchasing choices are not influenced by logic. Emotions drive most consumer decisions.
So, it's important to really connect with your consumers if you want to make sales, which I'm assuming you do. Truly connecting refines your audience, which makes people more likely to engage with you. It makes you an authority on your topic, which puts you at the top of people's minds when they go to make a buying decision. Authenticity adds value.
And that connection isn't something you can fake. Your customers know if you're only pretending to understand them, just like you can tell when your parents are just nodding along politely when you try to explain your job to them.
Creating authentic content is a big deal, but I also genuinely believe that it is not difficult once you understand what to do. I can boil it down to three simple steps: understand your buyer persona, know what you're talking about, and stay on brand.
Understand Your Buyer Persona
This step is vital to all parts of marketing, really. Spend time in the spaces that your personas occupy - digitally and physically. Learn what they're talking about, what's important to them, and how they're talking about it.
One of the greatest things about buyer personas is that they let you narrow your focus. Instead of trying (and failing) to market to everyone, you're marketing to a small group that you can really pay attention to. You can cover the topics that matter to them and really be helpful to your core audience.
Let's check out BarkBox, a monthly subscription box full of toys and treats for your furry friends, as an example.
From some quick internet sleuthing, I found out that an extremely significant portion of their website visitors are women without kids, mostly aged 25-34. I expect to see some humor, probably memes, and very cute dog pictures on their social media - and I was not disappointed.
As a woman without kids aged 25-34, I relate. Really though, this is the sense of humor I'm used to seeing among my friends and other people I follow online. And as you can see, it got engagement from users. Humor is a good tactic for this specific brand because, even though people take their dogs very seriously, a subscription box of dog toys is far from a somber product. It's clear that whoever's running the BarkBox social understands who they're reaching out to.
Know What You're Talking About
On my way to work the other morning, I heard an older radio DJ trying to define how ~*~all the kids these days~*~ are using the word "lit." I'm still recovering.
Using slang that you don't naturally use in conversation should be saved for intentionally embarrassing your kids in front of their friends by asking what they're playing on the Playstations these days (even when it was clearly a N64, MOM). It's obvious when you're faking it, and it does not make you fit in with the group. You just look like this:
This can go the other way too - don't throw a bunch of technical or high-brow terms around if you aren't 100% sure you're using them correctly. As much as it hurt my soul to hear someone older than my parents* explain what the kids these days are up to (rebellion and petting dogs, mostly), I imagine it'd be pretty horrible to listen to me tell them how to run a radio show, too.
*I feel bad about (jokingly!) picking on my parents this blog post. They're delightful, and they always know the correct brand of my electronics.
Let's look at General Electric's Twitter for this one.
Demographics for this one are slightly more men, still mostly aged 25-34, but followed very closely by other, older age brackets. GE knows that short video is extremely popular on social media right now, especially for their undoubtedly busy buyer persona. Renewable energy is a hot topic these days, and energy is clearly an area where General Electric would be an expert - they know what they're talking about.
Stay on Brand
There's not always room for humor or personal anecdotes for your particular brand voice. But that doesn't mean you can't be authentic. Look at the General Electric tweet above as an example. They're taking a stand on something that matters to them and their buyer persona, they know what they're talking about, they're using a more serious tone - and they're coming across as authentic.
Think of something unique and on brand to say for all your content, even if it's curated. If you're retweeting or posting someone else's content, don't just copy-paste the headline of the article as your own tweet. Every interaction with your customers is a chance to put your brand out there.
One last thought on authenticity: own your mistakes. Even the biggest businesses are run by humans - and we make mistakes. From a typo in your tweet to saying something stupid or mean that you regret, admit you made a mistake, apologize, and learn from it so you don't do it again. Your customers will respect you for it, and it's the right thing to do.


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Technology Transfer OfficeView Profile
Universitat Politècnica de Catalunya - UPC posted this:PC-ProTec A novel, highly effective zinc free anticorrosive additive easily dispersible in priming paintsPC-ProTec is a new technology uniquely positioned as a safer alternative to replace toxic anticorrosive additives, mainly zinc and its compounds, typically used in paint formulations to protect metal structures. The novel zinc-free anticorrosive pigment, which is applied in very low concentrations (0.3-1.5 wt %), is based on poly(alkyl thiophene acetate)s. This technology meets the new environmental regulations that restrict the use of zinc. Partners to further develop the technology and/or to establish commercial agreements along with technical cooperation are sought.
Technology Transfer OfficeView Profile
Yissum - Research Development Company of the Hebrew University posted this:High Speed, High Spatial Resolution Scanning Micro-ellipsometerMetrology instrument for measuring coatings properties/dimensions Keywords: measurement, device, Project ID : 14-2017-4398
Fundació URV posted this:Environmentally friendly processing of thermosets by two-stage sequential aza-Michael addition and free-radical polymerization of amine-acrylate mixturesEnvironmentally friendly preparation of thermosets for applications on thermosensitive substrates. A two-step curing process, which consists in an Aza-Michael addition at room temperature, followed by UV radical polymerization of acrylates or methacrylates amine formulations without the need of adding solvents. The presence of amines in the structure suppress the radical inhibition by oxygen, which is a typical drawback in radical polymerizations. The invention allows leading the curing in two separate stages with a stable intermediate material, being the process controlled by the amount of amine in the formulation.
Technology Transfer OfficeView Profile
DIT Hothouse posted this:iSeal: Advanced Surface Treatment for Protection against TribocorrosionThis invention is based on the application of a hybrid organic/inorganic treatment onto an exposed surface – either as a stand-alone treatment or as a sealant. The treatment is applied using an electrochemical deposition technique, allowing for the development of conformal coatings, irrespective of design complexity. Layer thicknesses are low (10-100nm) but resistance in corrosive marine environments indicate corrosion rates comparable to technologies currently employed by the aerospace and automotive industries. Corrosion rates are reduced by between 103 and 105 times, dependant on the nature of the porous coating. Tests on metallic coatings indicated a reduction in corrosion rates of approximately 103-104 while tests on ceramic coatings indicated a reduction in corrosion rates of approximately 105. By applying the hybrid treatment as a sealant treatment onto a porous wear resistant coating, concerns regarding the effect of mechanical damage are dramatically reduced. In addition, surface roughness levels are similar to electropolished finishes.
Fundació URV posted this:Acrylic thermosets prepared by dual curing at room temperature fit for coatings and adhesivesFormulations for the preparation of thermosets by dual curing, at room temperature in two stages, stable over time, from the reaction of amine compounds with 2 or more N-H bonds with a vinyl compounds with a minimum of 2 double α, β- conjugated bonds to carbonyl ester groups and further polymerization of vinyl groups in excess, with completely controlled characteristics of the material at the intermediate stage.
Research & Technology OrganizationView Profile
Universidad de Alicante posted this:New family of dyesThe main innovative aspects of this technology regarding current methods of synthesis are: • The indolizine dyes are obtained in one step from commercially available materials, unlike current procedures, which involve multiple steps. This is an advantage in the production process, as it reduces costs, increases the final yield and less waste is generated. • The procedure is based on a very simple treatment which produces indolizine dyes in yields higher than 70%. • The present invention does not require the use of inert atmosphere, dry solvents or physical activation (heat or radiation) to obtain the final product. • Unlike other methodologies for preparing indolizine dyes (requiring temperatures around 100°C), this process is carried out at room temperature and atmospheric pressure, which simplifies the method and decreases production costs. • This is an environmentally friendly technology because it does not use solvents such as dioxane, pyridine, chloroform or benzene, which are used in other methods and are characterized by their high toxicity and demonstrated carcinogenicity. • The selectivity of the reaction is very high. The indolizine dye is obtained with absolute control, obtaining a single isomer of the ten possible.
Technology Transfer Office
RAMOT at Tel Aviv University Ltd. posted this:Nano-Reinforcement of Adhesives, Plastics, Paints and CoatingsThe use of self-assembled organic aromatic peptide nanotubes and nanospheres for the reinforcement of adhisives, coatings and casts of common and proprietary polymer and composite materials for improvement of anti crack, anti-scratch, anti-rust and anti-moisture properties. These nanostructures exhibit exceptional thermal and chemical durability and outstanding mechanical properties which have demonstrated increase of shear and peel strength exceeding the reinforcement effect of several known inorganic nanofillers to composite materials and plastics. Project ID : 3-2011-145
Licensing Manager at Universitat Politècnica de Catalunya - UPCView Profile
Servei de Gestió de la Innovació posted this:
Licensing Manager at Universitat Politècnica de Catalunya - UPC
Technology Transfer OfficeView Profile
Center for Technology Transfer and Commercialization of Novosibirsk State University posted this:Diamondlike coatings for optical systems, medical devices, automotive industryAt the university (Novosibirsk) the technology of diamondlike coatings is developed for optical systems in the wide range of IR-optics. Coatings have high adhesion to a variety of substrates and are suitable for application as medical antibacterial coverings, a friction reducing coating with a low friction coefficient, antirust coats. The laboratory looks for partners for technical cooperation and technology licensing.


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Podcast: Play in new window | Download
Subscribe: Apple Podcasts | Android | Email | Google Podcasts | Stitcher | RSS | https://podcast.legalnursebusiness.com/subscribe-to-podcast/
Brad Curtola talks about what happens when you're bullied or targeted by co-staff and management in health care. He has experienced both of those unpleasant behaviors.
Brad has been an RN 23 years with 7 years experience in legal nursing and 4 years as a certified nurse life care planner specializing in addiction and mental health.
Listen in as Kelly Campbell and Brad Curtola chat about these points.
- How he stood up for the standards, the policies and the procedures
- What happened when he tried to take measures into his own hands and have conversations with the staff
- Brad's personal experience with his own lawyers- and it wasn't always good
- Brad's interest in "FIPPA", what it stands for and also how it helped him be successful in his fight against bullying
Related Product Negotiating with a Bully
Everyone has felt bullied at some point in their lives, whether by a family member, childhood acquaintance, colleague, boss, or client. You know you have been bullied when you feel pressured, demeaned, and angered. You walked away from a negotiation feeling like you lost ground. You gave into demands and agreed to something that was not in your best interests. And you resented the way you felt.
Negotiating with a Bully will teach you how to skillfully deal with bullies in different forms and environments. You'll explore the mindset of a bully and understand the motivations and behavior so that you can gain an advantage over him or her.
Negotiating with a Bully will give you the answers you need to become a more effective negotiator when you are confronted by a bully. You will learn how to quickly and easily:
- Recognize the tactics of a bully–before you yield ground in a negotiation.
- Employ an arsenal of negotiation strategies, including some you may have never considered using before.
- Plan a negotiation with a bully so that you feel prepared to tackle the situation.
- Interpret the body language of the bully–and his or her target–to better assess his or her intentions.
You'll find this book at this link: http://LNC.tips/bullybook.
Your Presenter
Brad is qualified as testifying expert witness in the Criminal Court of Canada and has experience developing both resource materials and a psychiatric day program.


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Covia offers a broad array of high-quality mineral and material products and the industry's most comprehensive and accessible distribution network. We believe in the power of long-term partnerships – built on integrity, reliability and an innovative solutions mindset – to deliver shared success.
February 4, 2020
Covia announces today that DST™ dust-suppression technology is gaining significant momentum with industry-leading companies that use whole-grain silica sand in their manufacturing processes.
February 26, 2020
SAN JUAN, February 26, 2020 - THE 2019 WHC Forest Project Award was recently presented to Covia's own Planta San Juan. Competing against three other corporate nominees, San Juan's environmental restoration project won top accolades.
October 10, 2019
Covia (NYSE:CVIA) has updated the timing of its third quarter 2019 earnings conference call for investors on November 6, 2019 to 8:00 a.m. Eastern Time from 8:30 a.m. All other aspects of the call remain unchanged and earnings will still be released before the New York Stock Exchange opens on November 6, 2019.


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ABA/NZBA Joint Conference | Queenstown | 23-24 August 2019Thu May 30 2019
Looking for a reason to book your next skiing adventure?
It is with great pleasure the ABA and NZBA announce that registration has opened for Antipodean Advocacy: Trans-Tasman Perspectives
We are delighted to provide you with early bird registration access until 8 June.
Session Highlights
- Keynote, The Rt. Hon. Chief Justice Dame Helen Winkelmann
- What Can Criminal Lawyers Teach Civil Litigators? The Hon. Justice Michael Corboy (AU), Marie Dhyrberg QC (NZ), Peter Callaghan SC (AU), Ken Archer (AU)
- Advocacy in Inquiries Simon Mount QC (NZ), Rowena Orr QC (AU), Mary Scholtens QC (NZ) and Aaron Martin (Deputy Solicitor General, NZ)
- Indigenous Rights, The Hon Christian Whata (NZ), Tony McAvoy SC (AU), Simeon Beckett (AU)
- The Rights, Responsibilities and Role of Media in Criminal Justice, Arthur Moses SC (AU), Jonathan Eaton QC (NZ), Marie Mills (MD, Mills Wilson), Cate Brett (NZ), Garry Williams (NZ)
- Americas Cup: Action on the Water and in the Courts, Dr James Farmer QC (NZ/AU), Dr Hamish Ross (NZ)
Visit the event website to learn about the:
• Excellent conference program and mountain-top gala dinner • Outdoor activities including catered sailing or snow golfing experiences • Selection of fabulous hotels available https://nzconf.austbar.asn.au/ Register today to ensure your pick of the accommodation in Queenstown. Do not delay: rooms will sell quickly.
Attached are the following:
• Speaker Highlights • Conference Program We look forward to seeing you on the slopes!


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Reader Inspiration: Black, White and Pink Wedding
We love hearing from readers on Facebook that have a palette or theme they'd like to see our spin on. Reader Katelyn Elizabeth asked us to create an inspiration board for her wedding next May in Black, White and Pink! Oh Katelyn, we adore this palette. It's classic, timeless, a little bit French, and a lotta fun! For our take on the tones, we started with these two images. A mix of traditional (a tropical church in the softest shade of pink sand with trimmings of black and white) and Mod (a mid-century pink couch with playful pops of pattern) was our jumping off point.
A blush pink (rather than a bold fuschia) softens up the starkness of black and white. (See page 18 for even more of our favorite blush pink ideas) Wouldn't a gown in just the slightest shade of pink be perfect for this wedding? Or, if you'd rather wear white, maybe a bold pink reception dress would be the perfect fit? can't forget the shoes! These Badgley Mischka pumps are the frosting on the cake, or go a little bolder with booties from BHLDN!
For flowers, baby's breath is timeless, and creates a big WOW statement with it's frothy fresh look! Alternatively, anemonies are playful and almost a little mod, or just a clutch of tightly wrapped peonies in bold black and white ribbon add a contemporary statement. Also contemporary, an overhead installation of ranunculus would be eye catching and dramatic!
For the bridesmaids, we think since it is May a lovely shade of pink would be perfect in either long or short style depending on your personal tastes, or alternatively (especially if you dare to get a pink gown) chic black cocktail dresses for the bridesmaids are always a hit with the ladies (they CAN wear a little black dress again) and looks stunning next to clutches of pastel blooms.
Nothing beats a classic black tuxedo for the groomsmen (and maybe a white tux for the groom?) except possibly a slick black tailored suit, edging again to that little bit of mod. Whether it's bow tie or skinny tie, the look is totally timeless.
Details, Details! The world is your oyster, so to speak, with this timeless palette. Play up the best features of your venue by choosing coordinating (or contrasting) types of decor. Your planner can help you achieve this look, but for example if you are getting married in a ballroom, maybe choosing white mirrored tables or a classic blush pink silk linen would be best, whereas if you are in a barn or a tent, maybe you want to explore using whitewashed Tuscan farm tables? Or, visa versa for an unexpected contrast!
One of the best investments for a black and white wedding, no matter the type of venue, that provides big drama for not such a big investment is a black and white dance floor. They are classic, timeless, and they look amazing in photos! We in fact chose one from Rentals Unlimited for our launch party this year, and couldn't have been more thrilled with the results. (see those images HERE). It brought such a WOW statement into the room!
Stay true to your personal style, but play up your palette with little details, like these Black Martinique plates and chargers from Be Our Guest. Choosing pretty pink envelopes with fun calligraphy and a playful polka dot invite would be a great way to announce the palette to your guests before they even arrive.
Serving up a signature sparkling rose at dinner or passed before your ceremony brings in that hint of blush, Then offering guests a springtime refresher during cocktail hour will put a pop of pink all around the room!
Wrapping favors or making ribbon wands with this sweet "Celebrate" ribbon from Object Splendor is another creative detail. Painting votives and vases with bold black stripes would be a great DIY project to start, which would be a great look especially for cocktail hour tables! Have fun with it!
Placing pretty escort cards on a bed of blush carnations is a stunning scene setter when guests walk into the party. Alternatively, chess pieces are a fun nod to a couple who loves board games, and is already in tune with your palette. Hanging black and white photos of relatives mixed with your engagement photos would also be great color coordinating details for the day. Have them leaving at the end of the night with custom boxed black and white cookies will give them something to munch on back at the hotel.
A trio of petite and pretty black and white cakes is the perfect way to get multiple flavors to your guests with lots of sweetness and also provides a design element, like these fun pedestaled cakes from Something Different Cake Couture (photo of cakes and below: Kristin Spencer Photography).
One last tip, let your photographer know your theme/color palette when you are going over your details with them. They may have suggestions on great places to take formal but fun photos that bring in the palette, making your pictures that much more viable to magazine and blog editors (wink wink!), but also when your photographer is laying out your wedding album, it will look seamless if they can bring in all the elements of the day with a unified palette.


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About Melody Todd
The Positive Dog Training, TTouch, Fitness & Behaviour Specialist
Springer Loaded Canine Fitness encompasses all aspects of a dogs fitness, not just her physically, it also includes mental, emotional health and wellbeing. With a combination of TTouch, training and fitness sessions, I aim to help dogs to feel fit in every way, also the fun way.
Where do I start?
I have had dogs all my life - from rescue Mongrels, to Jack Russells to Golden Retriever. I now own 3 beautiful English Springer Spaniels (aged 5 years, 10 years and 12 years). They are a massive part of my life and always a pleasure to see and play with.
My journey...
After going on shoots and gun dog training years ago and being taught old fashioned methods (shouting no and lifting them by the scruff of their necks, I knew it was wrong (not reinforcing or kind to the dogs) and went on the trail to learn new training methods. I found the Alpha Education's Think Dog! course by the lovely Sarah Whitehead which was advertised in the Dogs Today magazine and thought YES I want to learn about body language, positive reinforcement etc. This course changed my life, I no longer thought that the man from the TV was cool and wanted to learn more.
I then read about Tellington TTouch, which was a gentle massage that you could do to your dog to calm them down and also help with walking on the lead. I then discovered that you could become a Practitioner. It seemed a little daunting at first thinking that I would have to do training for 3 years. So I went to Tellington TTouch Workshop at Harvey's Dog Training just to see if this was definitely something I would like to do. I loved it, I brought Purdey with me and she fell asleep by the end of the session - I was amazed.
In September, 2013, I qualified as a Tellington TTouch Companion Animal Practitioner (P1) and never looked back, so I can now offer you one-to-one sessions to help you and your dog. I can now also offer workshops and hopefully change someone else's life.
Plus for a year and a half I assisted at another APDT dog training school (Dognostics K9) to get the experience of working with people and their dogs. This had given me a lot of valuable experience and I thank Val for all her help. This gave me the encouragement to apply to do the APDT Assessment and great news I passed. My membership number is 01172.
I have also been to classes, work shops and seminars on agility, scent training, clicker gun dog training, body language and lots more.
My thirst to learn more about dog training and behaviour grew, therefore after 2 more years of study I completed with Distinction the HIGHER DIPLOMA in Companion Animal Behaviour and Training (level 5, Foundation degree equivalent). I am now a member of the CAPBT Association.
In 2016, I also achieved the Certified Canine Fitness Trainer / FitPAWS Master Trainer qualification, this included practical training and case studies through FitPAWS and intensive theory training on anatomy and body conditioning through the University of Tennessee.
Since June, I left my full time job to become fully self employed. I'm now at home with my dogs and use my log cabin as the doggie gym to help owners and their dogs. I love to offer 1-2-1 sessions as it it is more relaxing for the dog and gives the owner a chance to ask questions. I can always tweak the lessons to suit their needs.
So I have been on an amazing journey over the last 10 years, as CPD (Continued Professional Development) is so very important to me and the dog training industry I will continue to learn new skills to help others.
I look forward to working with you in the future.
Melody Todd
Dip.CABT (Level 5)
Tellington TTouch Companion Animal Practitioner in Training (P1)
Certified Canine Fitness Trainer (CCFT)
Based in Bozeat, Northamptonshire, NN29 7JP
Areas covered: Northamptonshire and surrounding areas (Milton Keynes, Peterborough, NW Cambridgeshire, North Bedfordshire)
UK's Only Qualified TTouch Practitioner + FitPAWS Master Trainer / CCFT


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This is it…the oh-so-simple – Do-It-Yourself recipe for
Ounces Of Prevention's SLEEPY-SHEEP ROLL-ON.
• Fill a 10 ml dark glass roller ball bottle (with stainless steel roller ball) 3/4 full with Young Living's V-6™ Enhanced Vegetable Oil Complex, or coconut MCT's (liquid coconut oil).
• Add the following genuine Young Living Therapeutic Grade essential oils,
– 6 drops Lavender
– 6 drops Cedarwood
– 3 drops Idaho Blue Spruce (or Northern Lights Black Spruce, or Roman Chamomile)
• Top up with your liquid carrier oil, wipe clean and secure roller ball top & lid.
• Label accordingly.
Apply to feet, wrists, or neck, at bedtime or any time you want to relax, destress, or unwind.
Save 24% on Young Living essential oils and blends all the time, each with the promise of purity from Seed to Seal…
Connect with Young Living Essential Oils HERE and follow the prompts – Have your oils and safe natural oil-infused products for household and personal care, delivered to your door!
We're here to help and support as you continue to learn about the many benefits and everyday uses of these beautiful gifts of nature for health and home.
Questions & inquiries? Email Diana at: firstname.lastname@example.com