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Leveraged Finance Lease Payments to Bank
Main Menu - Vehicle - Lev. Fin. Bank Lease Payments
This is a very specialized screen that was written for a specific customer, and is not to be used for general leveraged financing monthly payments. This screen is used under the following conditions:
The monthly leveraged financing payment is made only when a lessee makes a lease payment.
The monthly leveraged financing payment is equal to the base lease payment (principal & interest only).
This screen is intended to assist the leasing company in making one, and only one, payment per lease to the bank per month. It will make multiple payments for a lease only if the lessee is catching up on past due payments. Payments ahead will be held in ALMSys until they are billed for. Only active leases with active leveraged financing will be included.
Layout / How To
In order for this to work right, you must be consistent in how payments are posted and how billing is run. Specifically, your routine should be as follows:
Run billing weekly for a 21-day through date. This is the billing default through date. (You may certainly bill though a lesser through date, such as two weeks; just be consistent.)
Post payments as of today's posting date.
Run this routine. This needs to be the last thing done for any posting date.
This screen will remember when you last did this. It will default a date range to the last run date + 1 day through today's date. In other words, if you last did this on Friday and today is Monday, it will default the date range from Saturday through today.
Start Page
To begin, mark all of the locations to be included. It does not matter if locations are combined or separate. Press
to proceed.
Date Range Page
By default, the calendars will be set from the day after the last time this was run through today's date. The last run information is in the green box on the right.
When the calendars are accurate, press
to proceed.
Results Page
ALMSys is looking for activity and goes by payment & billing posting dates to determine activity. ALMSys makes two passes in order to determine what needs to be paid. Pass #1 queries all of the payments posted for the date range. Pass #2 queries any billing that was posted for the date range.
ALMSys uses payment distribution logic in order to determine if a payment needs to be sent to the leveraged financing bank. Only the principal and interest paid for the date range will be used. If a lessee overpays (in other words, pays more than what has been billed to-date), the excess will NOT be listed at this time. The excess amount will be held in suspense until it is billed for. Only full lease payments will be shown. Partial payments will go into suspense until a full payment has been made.
Records from this grid may be deleted by clicking on the record and pressing the
Use the
button to update the leveraged financing lease payments to bank histories for all of the payments in the grid. Doing so will provide an audit trail for future questions as to when a payment was made. The update may only be done once per day per lease. (Histories may be viewed & printed on the
Leveraged Financing Information screen
As a result of the update, the rows in the grid will change to a different color, and the "Update" column will contain one of the following:
Y - Update was successful and the row will be green
N - Update failed and the row will be red
A - Update was not done because the lease was already updated that day and the row will be yellow
The information on the Results Page may be reported via three reports on the
pull-down menu:
Lease Payments to Bank
. This
will sort the payments by bank in order for you to provide backup for the payments to the banks.
Payment Distribution for Lease Payments
. This
will show payment distribution for those payments in the grid. Although this is similar to the
Payment Distribution Report
, it is NOT the same report. Terminated leases will not be shown.
AMPTax Detail for lease Payments
. This report reuses the
Payment Distribution AMPTax Detail report
, but only for those payments listed in the grid.
Related Reports
Leveraged Financing Lease Payments to Bank Inactivity
Payment Distribution from Lev. Fin. Lease Payments


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Henna World
Please contact vendor for prices and availability
- Serving:
- Serving Bay Area, CA
Henna World is dedicated to providing artistic, clean and professional quality henna design to all its clients in the Bay Area.
Henna World henna artist Kamala is a licensed professional, who is verymitted to making your experience with henna unique, enjoyable and relaxing. She specializes in bridal mehendi she is particularly passionate about producing clean and precise lines in the design. Kamala uses only natural products in her mix and guarantees a deep color for your special day.
Kamala is an Art major and continues to do oil paintings on the side. Although she grew up with henna as a tradition of her culture, she felt a strong urge to learn and perfect this skill when she once got an opportunity to watch a master henna artist at work on a bride in India. She got very inspired by the master henna artist who trained her in all aspects of designing with henna. That was about eight years ago. Since then there has been no looking back.
She has polished her style to the extent that she can handle the simplest to the mostplicated and intricate pattern with ease. Whether she is working on a bride for six hours straight or on 3-minute designs on children, she gets the utmost satisfaction and joy while working with henna. She is very flexible and reasonable, so can amodate your special needs to your utmost satisfaction to suit that special occasion.
Kamala has taken Henna World to several events. Some of them include:
Festival of Lights celebration at Great America Park
Family Day at the Triton Museum of Art in Santa Clara
Pumpkins in the Park event in San José
Several Bridal Shows in Milpitas and Fremont
Neimun Marcus event in Palo Alto.
Henna lecture-demonstrations at local libraries
Kamala is very flexible and can adjust her work and designs to suit any type of event or celebration. If you are considering a workshop, she is well equipped including a PowerPoint presentation.
For more information or appointments, call Kamala at .
Visit Our Website At henna-world
Among other cities, Henna World may serve the following areas: San Francisco, San Jose, Oakland, Berkeley, Richmond, Palo Alto, San Mateo, Concord, Hayward, Salinas, Santa Cruz, San Rafael, Santa Clara, Mountain View, Redwood City, Sunnyvale, Fairfield, Menlo Park, Novato, Piedmont, Vallejo, Fremont, Daly City, San Bruno, Los Gatos, Monterey, Napa, Walnut Creek, Kensington, Burlingame
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subset: commoncrawl


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White Coffee is also a popular drink for dining in Penang. I had tasted many places of White coffee but i found this shop white coffee is very nice.. and this shop Kim Shan white coffee is a nicest of all. Yummy and the smell is nice and taste is fabolous.
Have a try and tell me wat u think
Taste: 5/5
Price: RM 1.60


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Intramedullary Schwannoma
James Watson Kernohan has been recognized as the first neurosurgeon to report an intramedullary schwannoma case in 1952, though Wilder Penfield had already described an intramedullary lesion with schwannomas characteristics in 1932 1).
Intramedullary (IM) schwannomas are rare entities representing the 0.3-1% of intramedullary tumors and 1.1% of spinal schwannomas. Beside many theories proposed, their rare occurrence might be related to the absence of Schwann cells into the spinal cord.
To date, approximately around 60 cases of intramedullary schwannoma in patients without neurofibromatosis have been reported in the English literature, of which only eight were children 2).
The male:female ratio for intramedullory schwannomas is 3:1 with a mean age of 40 years old. They are usually single lesions affecting the cervical spinal cord (63%), the thoracic spinal cord (26%), and the lumber spinal cord (11%). They have a slow growth pattern and because of this, the average interval between first symptom and diagnosis is 28.2 months (from 6 months through 20 years) 3).
Clinical features
The most described clinical manifestation is the pyramidal syndrome followed by sensitivity complaints and sphincter dysfunction. There are reports of muscular fasciculations as the first symptom 4).
A tumor located in the dorsolateral spinal cord, causing expansion of the cord, with hypointense areas on T2-weighted and obviously enhancement, should arise suspicion of an intramedullary schwannoma 5).
Case series
8 patients with pathologically confirmed intramedullary schwannomas were reviewed.
There were 6 male and 2 female patients (mean age, 49 years). Tumors were located in the cervical cord (2), the thoracic cord (5), and the cervicothoracic cord (1). Most were in the dorsolateral spinal cord and limited to one side. Expansion of the cord was observed. The majority were hypointense on T1-weighted images and hypo-hyperintense on T2-weighted images. Peritumoral edema was easily found. Gadolinium enhancement was obviously. No recurrence was seen during the follow-up period.
A tumor located in the dorsolateral spinal cord, causing expansion of the cord, with hypointense areas on T2-weighted and obviously enhancement, should arise suspicion of an intramedullary schwannoma 7).
Case reports
Dhake and Chatterjee described two cases of thoracic intramedullary schwannomas that recurred after primary excision. A 10 years old boy presented with weakness of both lower limbs. Magnetic resonance imaging showed a D10 to D12 intramedullary lesion, which was excised near totally and confirmed to be a schwannoma on histopathological examination. The tumour recurred twice after that and was re operated both times. Another 57 years old lady presented with weakness of both lower limbs and a history of being operated in the past for D9-D10 intramedullary lesion. She was re-operated with total removal of the lesion confirmed to be schwannoma on histopathological examination. Intramedullary schwannoma may recur after resection. 8).
A 8 year-old female affected by a progressive paraparesis. Neuroradiological investigations showed an oval-shaped mass at the level of T10-T11. The patient underwent surgery, performed under neurophysiological monitoring. The patient was operated on with a complete removal of the lesion. The postoperative course was uneventful.
The clinical, neuroradiological, and intraoperative findings are presented, along with a review of the literature. Despite the number of lesions potentially compressing the spinal cord, IM schwannoma is rare but should be taken into account in the differential diagnosis 9).
A rare case of thoracic intramedullary tumour in a 28 year old male patient who presented with progressive weakness of both the lower limbs and decreased sensation below D2 dermatomal level. Magnetic resonance imaging revealed an intramedullary lesion from D1 toD7. D1 to D7 laminoplasty and near total excision of the mass done. Total removal was difficult because of the infiltrative nature of the tumour 10).


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Question: One of our employees is accused of making a racially insensitive comment. How should we handle this?
Answer: A racially insensitive comment could be considered harassment — and it would be unlawful harassment if putting up with such comments became a condition of continued employment (essentially, management was unwilling to put a stop to it) or if the conduct was severe or pervasive enough to create a work environment that a reasonable person would consider hostile.
Since you have a duty as an employer to stop unlawful harassment, we recommend that you investigate the alleged comment and, if you find evidence to support that your harassment or other conduct policies have been violated, discipline the employee who made it. Make sure that the punishment fits the crime. For instance, something that was, in fact, just insensitive may warrant a verbal warning, whereas calling someone by a racial slur may warrant a final warning or even termination, depending on the circumstances. Be sure to document your findings and any disciplinary actions taken.
Join us for a live ThinkHR webinar, How to Create a Culture of Inclusion, on September 24, 2019. Our experts will give you direction on developing a culture inclusive of all races, genders, ethnicities, sexual orientations, religions, and other differences. This webinar is eligible for SHRM and HRCI credits. Register today!


text:
- Product ID:
- Product Name
Port Authority Ladies Short Sleeve Value Poplin Shirt. L633
- Description
A smart choice for the workplace and your budget. Our poplin shirt can take daily wear and tear and remain looking great, thanks to an easy care blend. Lightweight and soft, it's also durable and perfect for any occupation requiring a neat, professional look. | 2.95-ounce, 65/35 poly/cotton Gently contoured silhouette Open collar Dyed-to-match buttons
- Available Sizes
Ladies Sizes: XS-4XL
- Available Colors
- Weight
- Case Size
- Spec Sheet
Spec Sheet


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With only two weeks left of classes, and a little less than a month until graduation it is crazy to think that my time at USC is almost over! It felt like just yesterday I was moving into Pardee Tower for my freshmen year, and just before that I was a high schooler trying to figure out where I wanted to go to college. Now that I'm wrapping up my time at USC, I can say the reasons that I ended up applying to and eventually decided to come to USC are still my favorite things about going to school here! I truly think things happen for a reason and everything always works out the way it is supposed to me – and I think me going to USC is one of those things.
Ever since I was a little kid, I knew one of the most important things for me would be going to college out of state. Although I absolutely love Colorado, I knew I wanted to try out living in a new city and going out on a new adventure. I also think going out of state for college is a really good idea because it really teaches you to grow up and be independent! During my time in college, although it has been hard being away from my friends and family, I've learned many valuable lessons which have helped me to start transitioning to real adulthood – something I'm about to take on officially very soon.
Another thing I knew I wanted in a college was a place with a really strong engineering program since of course I knew I was planning on majoring in engineering and wanted a school that was known for what I was going to major in. However, I also wanted a school that did more than just engineering. I didn't want to have to spend all of my time doing engineering things and constantly be surrounded by engineers. I had plenty of other interests and hobbies and I wanted to make sure I would be able to pursue those too!
When looking at my lists of schools, it was clear that USC was one that definitely fit my criteria. Not only was it not in Colorado and had a top rated engineering program, but it was a school with many other areas to explore – different areas of study, clubs, sports, activities, etc, and even the whole city of Los Angeles available too! After getting accepted and then visiting campus for an Explore program, I knew that USC was the school for me. Everyone I met was so genuinely excited to be at USC so it was only natural for me to get excited too! And all of the engineers I met were super nice and friendly – everything opposite of the stereotypes I had about engineers in my head. After visiting, I could really see myself fitting into the student body and being happy here!
Now reflecting on my four years here, I'm happy to say that USC is still the school I thought it was when I first visited. I've received an amazing education through the engineering school, but I've also gotten extremely involved in a wide variety of activities too that have really enhanced and completed my college experience. Through these involvements, such as ASCE and the women's ice hockey team, I've met some really cool people who have become some of my closest friends! And besides school I've also even got to explore a new city. From trying out restaurants, going hiking, visiting museums, and hanging out at the beach I've gotten to really experience Los Angeles which has been quite the change compared to Colorado.
Based on my fours years here, I really can't picture myself going anywhere else. I'm really happy I chose to go to USC! Although the college search is hard, make sure to find the school that best fits what you are looking for. And visit if you can – visiting will offer a whole new perspective on a school since you will really get to see it come to life. And if nothing else just remember that everything always works out and you will end up where you are supposed to – hopefully USC![author title="Author" author_id=""] Button Text


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This interview was originally shared on the EVE Podcast. It has been slightly edited for conciseness.
Valérie Hernandez Amalou (V): Tal, thank you for joining us! You've said your purpose in life is to bring happiness in life. What does this mean for you?
Tal Ben-Shahar (T): Over the last 20 or 25 years there has been a lot of research in the science of happiness, and the problem is that this research, this science, is not known to most people. My objective is to take the scientific papers, the rigorous research, and make them accessible to people, so that they can apply it: in their personal lives, at the workplace, with their children, with partners, as well as with friends and colleagues.
Valerie: Tal, at times it can seem that the demands of work are contradictory to the demands of a fulfilling personal life. Being a good leader and finding the time to be a committed parent. Working a high-pressure job and taking enough moments for relaxation and well-being. How can those personal and professional demands be reconciled? What are the tools that can help?
T: That's a very good question. One of the things that people do not understand, and one of the things we have a lot of research to back up, is the relationship between success and happiness. Most people think the more successful we become, the happier we will be. In other words: if I get a raise or a promotion, or I do better at work, that means I will be happier. And actually, that is not the case.
What is the case? The case is that it is rather happiness that leads to more success. In other words, if I increase my levels of well-being, of happiness, even by a little bit, I will actually become more productive and creative—I will be a better team player, it will also contribute to my work. In other words: We can look at happiness as an important contributor to our success at work.
Now, what do we need to do in order to become happier? One of the things that we need to do, is to find a way of integrating the different parts of our lives; to invest in our friends, in our relationships, just as we invest in our colleagues and our work.
One of the things that can help to do that is to get away from the notion that we can have it all—that we can do everything and we can do everything perfectly. Instead, it is about settling for good enough. Not easy. Because especially if we're a type A, and very ambitious and committed, we want it all and "good enough" sounds like a compromise. However, if we learn to accept good enough as good enough, we end up doing better at work, at home, becoming happier, as well as in the long term—maybe not the short term, but in the long term—more successful.
V: In your latest book, The Joy of Leadership, you also explain how the need for a new, more relevant model of leadership. The model you propose is based on the conviction that effective leadership is personal flourishing. Why is personal flourishing important to leaders?
T: You know, there is a quote by Confucius, considered the father of Asian philosophy, which goes something like this: "If you want to bring order to your State, you must first bring order to your neighborhood; if you want to bring order to your neighborhood, you must first bring order to your family; if you want to bring order to your family, you must first cultivate the self." In other words, what Confucius is doing is creating a series of concentric circles, beginning with the self and expanding—like ripples in a pool—outwards. The wisdom on Confucius, which today is backed by a lot of data in organizations, is that the most effective and successful leaders, first and foremost, focus on themselves.
If we want our organization to flourish, to succeed, to thrive, we first need to look at ourselves; we first need to be concerned with self-growth and personal cultivation. After we do that, after we learn how to become more effective, more creative, happier in our own lives, that is when, by example, we can lead others and affect the teams we are a part of, the organization we are a part of, the community we belong to.
V: Tal, before we let our audience dive into reading your book, what is one thing leaders can start doing today to get closer to personal flourishing?
T: The first thing that I would do as a leader, is to sit down and reflect on my role models: who were the leaders in my life who made a difference? And when I talk about leaders, I'm not just talking about those leaders at work, the great CEO that I had, or the great political leaders. Yes, I am talking about them as well, but I am talking about your mom or your dad, or a schoolteacher whom you had in third grade. So sit down and reflect on why you admire them as leaders: what do you look up to in them?, what characteristics were worthy of imitation? Make a list, write them down, and then the next question would be: How can I implement those things that I admire in other people in my life?
Because you see, a lot of the wisdom about leadership, we already have. It is in us, we've experienced it. The thing, though, is to become more aware of it, more conscious of it, and then—more importantly—applying it in our lives.
Tal Ben-Shahar is an author and lecturer who taught the most popular course at Harvard University on Positive Psychology, and the university's third most popular course on The Psychology of Leadership —with a total of more than 1,400 students. Tal consults and lectures around the world to executives in multi-national corporations, the general public, and at-risk populations. Topics include leadership, ethics, happiness, self-esteem, resilience, goal setting, and mindfulness. He is the author of the new book "The Joy of Leadership." He is also the author of "Choose the Life You Want" and The New York Times bestseller "Happier: Learn the Secrets to Daily Joy and Lasting Fulfillment". Tal is the Chief Knowledge Officer of Potentialife and Chief Content Officer of Happier.TV. An avid sportsman, Tal won the U.S. Intercollegiate and Israeli National squash championships. He earned his Ph.D. in Organizational Behavior and B.A. in Philosophy and Psychology from Harvard.
You can find Tal's podcast episode here.


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Regular MIA readers may have noticed that we recently added a content box on the front page titled "Parent Resources." This initiative has been a long time coming, and it is one that we hope will help us reach—and serve—a new group of readers.
The genesis for this initiative can be found in our email inbox. We regularly receive emails from parents who have seen their children fare poorly on psychiatric drugs and are desperately looking for a way out of the conventional system. Often, I am the one who responds to such emails, and given that for the longest time we didn't have any resource specifically for parents, I regularly ended my responses by saying that I was "sorry" we couldn't be of more help.
That began to change more than a year ago when Eric Maisel encouraged us to set up a page for parents. We are now expanding on that initial effort and making it a priority.
As we do so, we know that many parents coming to our site are new to "critical psychiatry" perspectives. Thus, this section will necessarily become a new "door" for entering MIA, one that provides an introduction to this perspective.
In essence, the "parents resource" section has four components:
1. Critiquing diagnosis
Psychiatry's "disease model" presents diagnoses given to children and adolescents—ADHD, oppositional defiant disorder, juvenile bipolar disorder, depression, and so forth—as illnesses of the brain. This conception encourages parents to think that their children need medical treatments for the illness, which is to say psychiatric medications. The Parents Resource page will provide blogs, science reports, and video interviews that challenge that diagnostic framework, and encourage thinking about childhood difficulties in non-medical ways.
You can see this type of challenge to conventional diagnostic thinking in the remarkable series of video interviews, titled "Parenting Today," produced by Eric Maisel and Heather Juergensen that is running on MIA now.
2. Information on psychiatric drugs in pediatric populations
Many parents writing to us bitterly complain about what they were told by prescribers about the drugs given to their children. They often were told that the drugs fixed chemical imbalances, that the drugs had minimal side effects and were highly effective, and what they want now is a more scientifically accurate description of the drugs' risks and benefits. The parents want to make informed choices for their children.
In response, we are in the process of preparing a drug information section that will seek to explain, in easily-understood terms, how different classes of drugs act on the brain, and the relevant "evidence" for their short-term and long-term effects, with hyperlinks to the relevant studies. We will also be providing summary information about their side effects.
3. Explorations of non-drug alternatives/therapies
The Parent Resources section features recent scientific findings and blogs that tell of non-drug methods for helping children. For instance, Finnish psychiatrist Ben Furman tells of a Kids' Skills program that he helped develop and is now used in many countries. This resource is not meant to recommend any particular approach, but rather provide information about such efforts.
In addition, we will be publishing reviews of the scientific literature regarding the merits of non-drug approaches, with hyperlinks to the studies.
4. Support for parents
Many parents have told us of how isolated they feel once they begin challenging conventional care, and how difficult it can be to resist the pressure they get to medicate their children. They find themselves at odds with school officials, psychiatrists and other professionals, and often the message they hear is that their resistance to psychiatric drugs is preventing their children from getting needed medical treatment. The message is that they are bad parents if they don't medicate their kids.
In response, we have started a Facebook group for parents, Mad in the Family, where parents can share their thoughts and information. We are also organizing two online support groups, which will begin in November.
So far, this initiative is focusing on providing resources to parents of children and adolescents. However, we know that parents of adult children often seek alternatives to conventional care (and can feel the same isolation and resistance), and so we may seek to expand the focus in coming months.
MIA Global
The number of our affiliates is continuing to increase, and we are beginning to see how this growing MIA network can have an impact that is bigger than the sum of its individual parts. During the second week of October, the Lancet Commission on Global Mental Health and Sustainable Development issued a report calling for a global increase in psychiatric services. In response, Mad in America and our affiliates published news items, radio podcasts, and critiques of that report. This sharing of stories and reports helped reveal the perspectives of people in Asia, Europe, the United States and other parts of the world to this call for an increase in global mental health services.
We have two new affiliates in the planning stage: Mad in Sweden and Mad in Germany. Our other affiliates are Mad in Brasil, Madinamerica-hispanohablante, Mad in Finland, Mad in the UK, and Mad in Asia. We have created a MIA Global page that publishes summaries of articles published by our affiliates.
Other Updates
In the coming year, our plan is to do more original reporting. This will include publishing more MIA reports; interviews with researchers; articles on political developments in this field; and video reports that tell of the lives of people—the homeless, ex-prisoners, young adults who were raised in foster care—that we rarely hear from.
We recently set up a new page for our videos, and we want to use this medium more in the coming months to tell the personal stories that, from our inception, have been at the heart of this website.
Finally, we will be redoing our drug info section to make it more comprehensive and better organized. I initially set up this section as a way to provide access to the studies that I had cited in my book Anatomy of an Epidemic, and the section has grown somewhat haphazardly since then. This "redo" will enable us to present drug info material in a manner that readers will find much more useful.
Mad in America hosts blogs by a diverse group of writers. These posts are designed to serve as a public forum for a discussion—broadly speaking—of psychiatry and its treatments. The opinions expressed are the writers' own.
Mad in America has made some changes to the commenting process. You no longer need to login or create an account on our site to comment. The only information needed is your name, email and comment text. Comments made with an account prior to this change will remain visible on the site.


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Dripping with sweat, arms throbbing, head swirling, I knew this would be the toughest negotiation of my legal career—though smaller, the other side's passion for his position was limitless. As midnight approached, I realized not even Goodnight Moon or Billy Joel's "Lullaby" would persuade my son to sleep.
My greatest life decisions are: one, asking my wife to marry me; and two, taking paternity leave from my career at a prominent, national law firm.
My wife, a pediatric dentist who owns her practice, and I discussed the financial and career implications of either of us taking an extended leave. A prolonged leave would have been catastrophic to the practice my wife built and difficult for her staff, whom she supported, and to our household finances.
My parents are a generation-early in terms of two-working parents—my mom is a 40-year trailblazer in health-care administration, and my dad, who spent 35 weeks per year on the road in a family business until age 50, switched careers so my mom could pursue a new job. My parents were also pulled in two directions: providing financial support for their families and those of their employees and raising their children.
My decision was simple: "lean out." Is this a cute turn-of-phrase a take from Facebook's Sheryl Sandberg's call-to-arms? Perhaps. But it is directed not to women but to fathers to push for and to take paternity leave.
Fortunately, my law firm offered paid paternity leave, a unique benefit. But my wife was unsure if I would take it—and at times, so was I. Although my immediate supervisor was supportive, friends questioned my sanity and told me I was committing career suicide. One asked: "How do you go from law review editor in chief to tummy time connoisseur?"
Even my parents worried about career implications. Although I will never be able to appreciate the struggles of motherhood, I soon empathized with professional women facing the challenge of taking leave, as males and females alike kept saying things like: "Enjoy your vacation!"
Let's be clear. Paternity leave is NOT vacation. To call it such is insulting to every stay-at-home parent. From when I woke up until I passed out, I was taking care of my family—from supporting my wife through breastfeeding struggles, to rocking my son asleep, to the black hole of sanitizing bottles. This was not a vacation; this was parenthood.
Paternity leave is also not another millennial excuse not to work. Prior to my leave, I was the top-billing associate in my law firm. This is about redefining societal norms and gender roles, not millennial apathy.
Beyond the indescribable emotions I felt while caring for my son—from his first smile to his learning to grasp his hanging giraffe, my appreciation for working mothers and stay-at-home parents continued to grow. I watched as my wife struggled to balance work and home—pumping seven times per day after a C-section and crying during midday Facetimes with the baby. Although my wife and I always shared household duties, I soon took on the majority of them and experienced the stress of getting everyone fed, even if it meant pulling into a random parking lot to feed a hungry baby.
Paternity leave is rare. Understandably for small businesses, paid leave is too difficult financially to implement, but for larger companies, it should be discussed as a benefit. Yet, according to studies, paid paternity leave dropped 5% from 2010 to 2014, and, in fact, only 12% of private U.S. workers receive paid leave.
Beyond paid leave, we must address the "flexibility stigma." Fathers fear societal and workplace ramifications of taking leave; hence, many will take only a few days, fearing being labeled unambitious or unmotivated—the same provincial aspersions that wrongly have been cast against working mothers.
As corporate citizens, businesses should view paternity leave as investment in human capital. Studies have shown increased paternal engagement have improved children's developmental outcomes and cognitive test scores. Anecdotally, it redefines gender roles for the next generation, just as my parents did for me.
As a government, we must do the same. Congress is considering a bill to increase paid leave for government employees. As a former congressional aide, I am calling on my former colleagues to push this legislation. Friends, 10 years from now, when you no longer are debating between going to Tortilla Coast or kickball but rather your son's swim lesson or a corporate event, you will see the fruits of your labor.
Will my son remember those first four months of Daddy reading Curious George or singing off-tune to the latest Adele hit? Maybe not. But my wife and I have now set a tone for how gender does not define familial roles in our household or society.
Jon M. Philipson is an Associate at national law firm Carlton Fields and a new dad.
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If you are looking to make some improvements to your appearance, you may want to begin by enhancing your smile. A smile is the first thing that we tend to notice about another person. With that being said, in this blog post, we are going to take a look at some of the different dental treatments offered around the world and the benefits associated with them so that you can get a better understanding.
Teeth whitening – There is only one place to begin, and this is with teeth whitening. There is no denying that this is a service that has gotten very popular in recent years, as more and more people go in search of a celebrity smile. There are teeth whitening kits available online. However, if you read the reviews on most of these you will find the hat a lot of people are not happy with the results. After all, there is nothing better than having a new smile from a professional dentist.
Dental implants – Another type of dental service that has become very popular in recent times is dental implants. Dental implants involve replacement teeth, yet they are permanent, unlike dentures. The teeth will be made to fit in with your current smile so that you do not look like you have a false tooth or false teeth at all. Some people get dental implants simply because they do not like their current smile. Here are then those who turn to this solution because they have been involved in an accident or they have lost a tooth for any other reason.
Teeth cleaning – The third treatment that many people seem to be making the most of today is professional teeth cleaning. Again, it is not hard to see why this would be popular. Dentists have all of the experience and tools needed to provide you with a thorough and effective clean. A dental office focused on YOU will make sure that any tartar and plaque are removed. You can feel like a new person once you have come out of the dentist chair after having them clean your teeth. This is also a good way of saving yourself money through preventative care. You can ensure issues are picked up on quickly and problems do not get worse.
Dental holidays
Aside from specific dental treatments, there is no denying that dental holidays have become popular as well. This is when people go on vacation for the purpose of getting a certain dental treatment. This is usually because the treatment is cheaper overseas. It is also a good way to combine a holiday with something beneficial, and it proves useful if you want to have a certain type of treatment but you do not want anyone to know about it. After all, you would be off work for your vacation in any case, so no one has to know!
Choosing a dentist
There is one thing that all of the treatments that have been mentioned above have in common, and this is the need for a high quality dentist to carry out the work. There are a number of different things that you can do to make sure of high quality dental work. The Internet is a great place to begin your research. Take the time to see what other people have had to say about the service that they experienced. There are lots of great review websites available today, and so you are recommended to use them. You should always use independent review sites because you will then know that the comments are genuine. In addition to this, you should make sure the dentist is experienced and you should check out his or her accreditation's. Local Dentist Tyler provides general, preventative, and aesthetic dental care to help you reach your dental goals.
While price should not be the determining factor, taking a look at the costs to make sure the dentist charges a fair rate is also important. As you can see, there are many different dental treatments available today for people to choose from. Hopefully, you will have found a dental treatment that appeals to you. No matter the sort of treatment you go for, it is always vital to make sure you choose a dentist with care. Follow the advice above with regards to this.
Read more beauty articles at ClichéMag.com
Images provided by Flickr, Unsplash, Pexels & Pixabay


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Hey Babies!
Today, let's talk skin care. I was lucky enough to be invited into the home of Peter Thomas Roth last month for an exclusive holiday launch party. First and foremost, being the holiday freak that I am, I have to note that the decor was absolutely stunning!!!!
Along with some of my absolute favorite New York based vloggers and a few new faces, we got to preview the newest products in the Peter Thomas Roth line - some of which haven't even hit the shelves yet. Best part? The swag bag included one of each product (except for the mud mask which I will talk about but I don't have to show you - BUT I seriously think I'll be purchasing it when it hits shelves because I loved it and it was so dark and must look cool on your face haha).
One of my favorite goodies was the 24K Gold Mask. I had actually purchased this from Sephora about a month before the event just because I thought it looked so cool. I had been loving this product so far. Not only does it look cool on - yes I know, the simple things excite me - it's also super amazing for your skin. My favorite part of ALL Peter Thomas Roth masks is that they do NOT, never, ever dry or harden. You can literally leave it on for an hour if you so choose and it will still be moist on the face until you wash it off. This particular one is called the Pure Luxury Lift & Firm Mask. It contains pure 24K gold in it and is a great anti-aging treatment. The mask leaves a glowy look to your skin afterward which gives a very healthy happy impression. This is a great prep item before a big date or important event. It also contains caffeine to help tighten, lift, firm and revitalize skin. Your skin is left looking refreshed and youthful.
A new favorite I discovered were the Cucumber De-Tox De-Puffing Eye-Cubes. These things are amaze-balls and will hit stores in February of 2015. They are perfect for the morning after a long day or a lot of partying. The pack comes with 6 eye-cubes and 6 pouches. In the first pic the cube on the right is liquid and the one on the left is frozen. You basically pop these bad boys in the freezer and they freeze into these eye-mazing eye-cubes. When you need one you just pop it into the pouch (second questions) and use ONE cube for both eyes by gently running it back and forth over your under eye area. Keep switching eyes every 10 or so seconds to not freeze that delicate eye area. This little cube is a power house of benefits. It has cucumber extract which soothes and detoxifies, Aloe Vera which soften and comforts skin (and is amazing for sun burn by the way), Arnica which has healing properties and helps diminish fatigue, dark circles and irritation, and caffeine which increases blood circulation and therefore reduces dark circles. Another benefit that I feel instantly after I use this product is a firming and actual tight feeling on my under eye area. I love that because I can actually feel like something is working and it makes me excited.
Next in the Cucumber De-Tox line is the foaming cleanser.This is a gentle cleanser good for all skin types that helps to detoxify, cleanse and soothe the skin. It also contains Sugarcane and Sugar Maple Extracts to promote cell turnover leaving you with more youthful looking skin.
The final product of the Cucumber De-Tox line that I have to show you today is the Hydrating Serum. This is also great for all skin types and contains hyaluronic acid which is an amazing ingredient that increases hydration to the skin. Maintaining good moisture levels helps to minimize the appearance of fine lines.
The Un-Wrinkle Fast Acting Serum is the newest generation of this product. It contains Snail Conopeptide which has not been seen used before in skincare. This ingredient helps to reduce and smooth the appearance of fine lines and wrinkles by relaxing the face. It also has genuine Diamond Dust that creates a type of blur tool effects that will actually blur the look of lines and imperfections. This little bottle is basically a real life instagram filter! =0]
The Camu Camu Power Vitamin C Brightening Cleansing Powder is an interesting product. This is actually a water-activated powder that acts as a daily cleanser and exfoliant. It's gentle enough to be used daily and helps to leave the skin cleansed of impurities and brighten and firm the look of skin. This will be available in February 2015.
The Mega Rich Body Cleanser is full of vitamin E and pro vitamin B5 and now can be found in your room at a Hilton Hotel. This is an awesome partnership and a chance for you the get some extra pampering while on vacay with 6 products by Peter Thomas Roth being offered complimentary in the room. This body cleanser leaves the skin feeling fresh and moisturized and smells amazing.
The final product I have to share with you today will also be available in February 2015. This is the Brightening Bubble Mask Radiance Oxygenating Treatment. This mask brightens and helps to even out skin tone. It contains some ingredients that I found to be interesting because I had never heard of them before. The first is called Fiflow which draws in oxygen to the skin in order to create a plumping appearance. There is also Symwhite and Gigawhite which are natural skin-brightener peptide. Finally, Bearberry Extract is found in leaves and is a natural lightening compound to also brighten skin. The coolest part about this mask is that once you set it on your face it creates an oxygenated bubbling effect. You can then let it sit on the face and rinse it off or at any point just re-rub the product into your face to begin the bubbling effect all over again - without adding any new product.
The final product which I fell in love with but do not have to show you is called the Irish Moor Mud Purifying Black Mask. This will be available in March of 2015. It contains Irish Moor Mud, Hijiji Seaweed, Volcanic Ash and Charcoal. It's a thick dark black and looks so cool to put it on. I'm really excited for this to come out and buy myself one so I can test it out more at home.
Okay loves, that;s all for today. I hope this helps anyone who is in the market for some new skin care products. Check out the brand and look into it some more. They use innovative ingredients and products to provide great results for your skin.
See you babes next Tuesday,


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Brandon Dashon Tatum, 23
Brandon Tatum, a 23-year-old black man, was shot and killed Wednesday, Jan. 11, in the 6100 block of South Harvard Boulevard in Harvard Park, according to Los Angeles County coroner's records.
About 9:30 p.m., Tatum was walking southbound on South Harvard Boulevard when one or more people walked up and began shooting, said Los Angeles Police Det. Stacey Szymkowiak.
The attacker or attackers may have run to a vehicle, but police don't yet have a description.
Tatum was pronounced dead at the scene at 9:44 p.m., according to coroner's records.
Tatum was not a gang member, but police are looking into the possibility that the suspect or suspects were gang members.
Anyone with information is asked to call the LAPD Criminal Gang Homicide Division at (323) 786-5113. Those who wish to remain anonymous can call Crime Stoppers at (800) 222-8477.
Contact the Homicide Report. Follow @nicolesantacruz and @latimeshomicide on Twitter.


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"What the Hell am I doing here?" I thought to myself as I stood in a pack of about 40 men and women in the Elite heat of the BattleFrog Race in WV. My only previous OCR experience had been almost a year earlier at the Super Spartan in VA. Despite running in the Open heat, I'd put up a pretty competitive time which gave me some confidence heading into the BattleFrog race; however, my confidence began to fade once I arrived. The majority of the racers were clearly seasoned veterans at the sport, and I felt like a freshman on the first day of high school. I watched as racers exchanged hugs, fist pounds and high-fives in the minutes leading up to the start of the race. I wondered how everyone seemed to know each other here. Little did I know there was a whole OCR community I would soon be introduced to. Picking a spot somewhere in the middle of the pack, I made sure to stay out of the way of the more serious racers in front who were clearly there to win. I took a deep breath and told myself to relax and just have fun. When the gun went off, my first OCR in the Elite heat had officially begun.
A week or so earlier, my friend Mandy Baskin, who worked out with me at our outdoor fitness class, SEAL Team Physical Training, mentioned there was an upcoming obstacle race called BattleFrog and said I should do it. While it sounded pretty cool, I'd never heard of it before and didn't give it much thought. The evening before the race, however, Mandy messaged me again saying she could no longer race due to an injury, but had a free entry code I could use, if I was interested. I thought it'd be great practice before my upcoming Super Spartan Race in VA the following month so I registered for the BattleFrog at 10:30PM the night before. Six hours later I was in my car making the 2½-hour drive to Hedgesville, WV where the race was being held.
Despite feeling miserably out of place in the starting shoot, the race was an absolute blast and, needless to say, turned out far better than I had anticipated. To my surprise, I found myself leading the females within the first mile or two, and worked to increase my lead throughout the course of the race. Although I could hear the buzz of the race venue as I neared the finish, there were still several miles of muddy, obstacle-laden track left for us. We ended the race with an uphill barbed-wire crawl in the mud to the finish, and I crossed the line claiming the first female spot. I left the race that day having met a lot more people than the whopping zero I knew upon arriving (as well as a check for $1,000!).
Little did I know just how much insight I'd gain into the OCR community over the next few days following the race. Through my newfound OCR friends, I also learned about and signed up for the upcoming Spartan Sprint in DC the following weekend, marking my first Elite Spartan Race. There, I managed to podium a second time with a second place finish behind Pro Spartan Team member, Orla Walsh. Prior to my back-to-back podium finishes, I had no idea there was such a thing as Pro Race Teams for obstacle course racing, let alone just how big the OCR world was in general. I'd never heard of Amelia Boone, Junyong Pak, or Hobie Call, who just so happened to be "that guy who ran with me for half of BattleFrog as race monitor." Now, thanks in large part to social media, I'm slowly becoming immersed in the OCR world and learning a great deal about the many talented racers, training regimens, and, of course, the big upcoming races.
The past few weeks have truly been a fun and eye-opening experience for me and I'm very much looking forward to competing in even more races and seeing where I stack up against the fierce competition projected to be at the upcoming Super Spartan in Virginia. Aroo!
—– Corinna Coffin—–


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The last time ExxonMobil's profits were this low, Y2K was still a thing.
Exxon's (XOM) first-quarter profits plunged by 63% to $1.8 billion due to the oil crash. That's the lowest quarterly profit the company has reported since 1999, according to FactSet.
The world's largest publicly-traded oil company blamed "sharply lower commodity prices" and overall "challenging industry conditions" impacting the oil business. During the first quarter, oil prices plummeted to just $26 a barrel -- the lowest level since 2003. Crude has since bounced back to around $45 a barrel, but oil companies -- even big ones like Exxon are still under pressure.
Exxon's revenue slumped 39% in the first quarter to $48.7 billion. The company also slashed capital spending by 33% from the previous year after its U.S. exploration and production business suffered a deeper loss of $832 million.
Related: ExxonMobil loses perfect AAA rating after 67 years
But investors were fearing even worse news. Exxon's earnings per share easily exceeded expectations, sending the stock slightly higher ahead of Friday's opening bell. Wall Street is relieved that Exxon is still profitable, thanks largely due to its diversified business model that includes refining operations.
Even oil giant Chevron (CVX) has swung into the red. The No. 2 U.S. oil company on Friday posted a first-quarter loss of $725 million on Friday, compared with a big profit of $2.6 billion. Chevron stock fell 2% as the loss was larger than feared.
Still, it's been a week of rough milestones for Exxon. Not only did profits plunge to the lowest level in nearly 17 years, but Standard & Poor's stripped Exxon's AAA rating -- a perfect credit score it had since at least 1949. S&P cited Exxon's mounting debt, plunging profits and enormous spending commitments tied to its fat dividend payouts.
Exxon showed it's not worried about the S&P move as the company actually raised its dividend this week. It marks the 34th consecutive year of dividend hikes.
Exxon also said on Friday it will continue to buy back shares tied to its benefit plans. However, the company "does not currently plan" to spend on buybacks to reduce shares outstanding.


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Date With a Revolution
Mansoura Ez-Eldin
Ez-Eldin was present during the beginning of the protests in Egypt and says those who began it and organized via Facebook and twitter it are angry at police cruelty and the repression and torture from Mubarak's regime. He says it is not a plot of the Muslim Brotherhood. He reviews how the government used violence–including live ammunition–against peaceful protestors to prevent an ouster as in Tunisia, and the chaos that has devolved. He says silence is a crime and Egyptians will find a way to have their voices heard to the world to demand freedom and justice.
Mansoura Ez-Eldin is the author of the novels "Maryam's Maze" and "Beyond Paradise."


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The Ratepayer Board of Directors sets policy and determines how BID resources are spent to improve the economic capacity of Downtown through the provisions of enhanced municipal services in the areas of cleanliness, safety, promotions, marketing, and transportation. Your expertise and participation can help guide the BID to continue providing a high level of service and maintain the positive revitalization momentum underway in Downtown Spokane.
The Ratepayer Advisory Board represents a diverse array of business interest within the BID. As such, each seat represents a different Downtown contingency.
Open Positions
- Positions will be announced September 2023
The Board meets on the fourth Wednesday of every other month starting in March at 8:30 a.m., unless otherwise designated, i.e. during holidays. Occasional other meetings are held as needed, such as a Board retreat.


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I pulled out the Ornament Keepsakes stamp set and matching Holiday Ornaments Framelits Dies from Stampin' Up! to create my card today. My card design was inspired by the Monday Lunchtime Sketch Challenge 274.
I started by stamping the images from the Ornament Keepsakes stamp set using the Illuminate Glimmer Watermark Stampin' Pad on a Night of Navy panel. I dried the images with my Heat Tool to speed up the drying time, but you can also let the images air dry. I adhered the stamped panel to a panel of Silver Glimmer Paper with Sticky Strip, then to the Night of Navy card base with Stampin' Dimensionals. Next, I embossed a Night of Navy panel with the Stylish Stripes Embossing Folder, adhered it to a panel of Silver Glimmer Paper with Sticky Strip, then to the card front with SNAIL.
I stamped the larger ornament image in VersaMark ink on a Night of Navy panel, sprinkled it with Silver Stampin' Emboss Powder and I heat embossed it. I adhered it to the card front with Stampin' Dimensionals. To finish the card front, I stamped the sentiment from the Petite Pairs stamp set in VersaMark ink on a Night of Navy panel, sprinkled it with Silver Stampin' Emboss Powder and heat embossed it. I adhered the sentiment to a strip of Silver Glimmer Paper with Sticky Strip, cut the flag end with the Hexagon Punch and adhered it to the card front with Stampin' Dimensionals and SNAIL.
I stamped the ornament images again and the sentiment from the Petite Pairs stamp set in Night of Navy ink on a Whisper White panel to complete the inside of the card.
Stampin' Up! products used to create this card:
Stamps: Ornament Keepsakes (128048 wood, 128051 clear); More Merry Messages (126400 wood, 126402 clear)
Dies, Punches & Embossing Folders: Holiday Ornaments Framelits Dies (127816); Hexagon Punch (130919); Stylish Stripes Embossing Folder (132174)
Embellishments: Silver Stampin' Emboss Powder (109131)
Ink: VersaMark Pad (102283); Illuminate Glimmer Watermark Stampin' Pad (126857)
Tools: Heat Tool (129053); Big Shot Die-Cutting Machine (113439)
Card Stock & Cuts: Night of Navy (100867) – card base cut to 4-1/4″ x 11″ and scored at 5-1/2″, 3″ x 4-1/4″ panel, 1-3/4″ x 3-3/4″ panel, 1/2″ x 2″ strip, Holiday Ornaments Framelits die cut; Silver Glimmer Paper (124005) – 3-1/8″ x 4-3/8″ panel, 1-7/8″ x 3-7/8″ panel, 5/8″ x 2″ strip
Adhesive: SNAIL Adhesive (104332); Stampin' Dimensionals (104430), Sticky Strip (104294)
Stamp With Amy K Ordering Bonus…Now Through August 8!
Head over to my online store and shop away, I've got an ordering special for orders placed through my online store through August 8. For every $50 in product that you order from my online store, you'll earn double Running Shoe Rewards AND your choice of a free pack of Pretty Presents Designer Bows, Pretty Presents Designer Tags or Stampin' Dimensionals!! Plus you'll be entered to win one of two $25 gift certificates that I'll be giving away on September 1! Click here on my Rewards tab above to read all of the details.
2013 Holiday Catalog Shares Update! Possible Round Two?
The first round of my Holiday Catalog shares have been ordered and are on the way to me in Atlanta right now. I may be placing an order for a second round of shares, if there is enough interest. You can see the details of my share by clicking here or on the Holiday Catalog Share tab above. Drop me an email by August 8 if you're interested in joining the second round of shares.
Need a Copy of the New Holiday Catalog?
If you'd like a copy of the new 2013 Holiday Catalog, drop me an email. I'd be happy to send one your way.
If you need any stamping supplies, I'd be very happy to be your Demonstrator. Just click on the Order Stampin' Up! Online Now button on the right side of the screen to go directly to my online store or drop me an email if you have any questions.
Don't forget about the Pick a Kit Offer for New Demonstrators from Stampin' Up! Click on my Promotions tab above to read all of the details.
Plus I've got an August ordering special where you could win one of two $25 gift certificates! Click on my Rewards tab above to read all about it.
Happy Stamping!
- Visit my online store here.
- Shop the Clearance Rack here.
- Earn FREE Stampin' Up! Products – Join my Running Shoe Rewards Program – My online customer thank you program!


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Things I Didn't Say Monday #4
Here are more footnotes to Monday's show (Feb. 1, 2016).
Re: So these chicken lights, to keep the baby chickens warm, that you can get at Home Depot, the red ones, these are near-infrared?
Every incandescent light emits infrared energy.
A 250-watt chicken light, red or otherwise, emits more of it.
Vibrant Gal and I recently ordered a RubyLux Infrared Bulb NIR-A Near Infrared Individual Bulb.
It's pictured as a bright red light on their website.
We assumed we were getting a bright red light (620-750 nanometers) emitting 850 nanometers of additional infrared radiation.
We neglected to read the following Question & Answer …
Q: I plugged it in and it's more of an amber almost yellow color, are you sure this is a red bulb?
A: I can not remember what color the light is. The red actually refers to some of the rays being infrared. As all incandescent bulbs put out a mix of frequencies, I do not believe it would be necessary for the light to look red. Humans see infrared poorly or not at all, and so if it only put out infrared you would see at most a dull glow."
Both the luminous red light and the infrared heat are therapeutic, but only luminous red light counteracts luminous blue light.
Blue light suppresses breathing. Red light activates breathing.
Red light protects against gamma radiation, according to Ray Peat.
Re: Do you have any ideas why swallowing problems happen, and some of the cures?
Many syndromes can cause swallowing disorders — heartburn, hiatal hernia, hypothyroidism, thyroid nodules, MS, ALS, Parkinson's, etc.
Pandiculation (yawning + stretching + contraction + reflexology) works for simple muscular coordination issues, as well as relieving the symptoms of all of the above.
Remember, cure and remission of symptoms are two different things.
A wide variety of outside forces (physical, chemical, electrical, magnetic, thermal, barometric, etc.) can provide remission of symptoms.
Cure is an Inside Job — resolving the Cognitive Shock.
Re: So living at a high altitude is not a problem?
It's only a problem until you adapt to it.
The higher the altitude, the lower the cancer rate.
It may take several years to adapt to very high altitudes.
Don't bring your cat along. They don't do well in the mountains, and die of convulsions above 13,000 feet.
Re: Is overcoming the "crowd" (Hive Mind) basically a matter of awareness?
The Gurdjieff "Work" helped make me conscious of how little awareness I had (and how little I still have).
99 percent of the world's population is excluded from the Conscious Circle of Humanity.
In the words of Ouspensky (the most well-known follower of Gurdjieff) …
"We have a great many overcoats to take off."


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If you're considering mortgage refinancing with one of today's best mortgage companies like USAA Mortgage Rates or Amerisave, you might consider an ARM as a low-cost option. Adjustable Rate Mortgage loans earned a bad reputation when the housing bubble burst as a risky home loan. Today, refinance mortgage rates are near sixty-year lows so it's actually cheaper to refinance your ARM than to allow the lender to reset the loan. Here are several of the pros and cons of Adjustable Rate Mortgage refinancing to help you decide if this type of home loan is right for you.
Fixed Rate Mortgage Loans Increasingly Popular
Traditional fixed rate home loans have become more popular largely because rates are so low and they offer the stability of a fixed payment amount. For some homeowner, Adjustable Rate Mortgage loans offer lower refinance rates with minimal risk.
Adjustable Rate Mortgage rates are lower than their fixed rate counterparts because the rate is only locked for a short period of time. The fixed period of most arms usually lasts five or seven years, designated by lenders as 5/1 or 7/1. The second number indicates the time interval between resets after the initial fixed period of 5 or 7 years. Once the fixed period has expired the lender resets your interest rate and payment based on current market rates.
If you're only planning for keeping your home for a short period of time, say five to seven years, Adjustable Rate Mortgages can save you money with much lower rates. One pitfall of using Adjustable Rate Mortgages in this manner you might encounter is the prepayment penalty. Lenders frequently charge this penalty if you sell or refinance again within a certain period of time. If you're forced to pay a prepayment penalty to get out of your existing home loan it could negate any benefit you're getting from the lower interest rate.
Pay Down Your Mortgage Balance More Quickly
One mortgage refinancing strategy for building equity in your home at an accelerated rate involves refinancing with an adjustable rate mortgage and continuing to make your old payment amount. The difference between your new and old payment will be applied directly to the loan's principal balance, building equity in your home at an accelerated rate.
Shortening your term length to 15 or 20 years will also build home equity at an accelerated rate while greatly reducing your finance charges. The disadvantage of a shorter term-length if you're used to paying on a 30-year home loan is a higher payment amount. Remember term-length is the amount of time you have to repay the mortgage and along with the interest rate sets your payment amount.
Risks of Adjustable Rate Mortgage Refinancing
Once your fixed-rate period expires the lender will being adjusting your interest rate on a regular time interval, usually every twelve months. The risk is that if interest rates tied to the LIBOR (a European index) go up, your monthly payment will go up also. If you only plan on keeping your mortgage for the fixed rate period you want to be sure you'll be in a position to refinance or sell your home without incurring a penalty. Used sensibly, Adjustable Rate Mortgage loans can be an effective money-saver in troubled economic times.
You can learn more about taking advantage of historically low refinance mortgage rates without paying lender junk fees or markup by checking out my free Underground Mortgage Videos.


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Graphite Electrodes
Trasteel Group is today a leader in the supply of graphite electrodes to dozens of leading customers and has an industrial and commercial partnership with an ISO9001:2008 certified Graphite Electrodes Producer. The plant facilities use modern technology and equipment, with lengthwise graphitization furnaces to produce UHP quality electrodes with diameter's size ranging from 200 to 750mm.
Trasteel Group's Graphite Electrodes have been continuously improved and are produced with top quality needle coke (supplied by Conoco Phillips and Mitsubishi Chemicals) and pitch (supplied by Rütgers GmbH). All products are subject to rigorous testing and control procedures in order to guarantee a high and consistent quality to its end users.
The technical staff follows step by step the manufacturing and sale of the graphite electrodes. Trasteel has a production line dedicated only to its materials, on which it has complete quality control: from raw materials choice, to the baking and the graphitization process, ending with the machining of the final products.
Trasteel supplies its electrodes to major steelmaking groups on a worldwide basis, providing all the necessary on-site technical assistance to supervise and guarantee the best performance of the products.
Trasteel 's technicians have the skill not only to maximize the performance of graphite electrodes, but also to help improving the steelmaking process as well as reducing transformation costs.
- Detailed practical and theoretical studies related to the electric arc furnace and its operations
- Monitoring and optimization of operational, mechanical and electrical variables affecting the performances of the furnace
- Evaluation of power supply system
- Evaluation of transformer performance
- Evaluation of load current and current balance between phases
- Optimization of graphite electrodes consumption
In order to provide quick and efficient assistance and quick deliveries, Trasteel has offices and warehouses located in strategic areas ensuring constant supply at all times.


text: doorknob1 0 Report post Posted June 30, 2011 I have iBlog pro. How do I display only the main menu navigation? The sub nav shows all of the pages I've created. Also, how do I delete the "Stay in touch"? It just re-lists the same information. Share this post Link to post Share on other sites


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Interview with Juan R. Garcia
Juan Garcia (57) talks to his son Carlo Javier Garcia (28) talk about Juan's military career. They also talk about how all of Juan's other children enlisted. Juan expresses how he's…
From - UM Libraries 0 0 likes | 0 0 plays
Access to this content is limited to computers in the Richter Library on the University of Miami campus. Please visit the library to view this content. Visitors not affiliated with the University of Miami should consult the library's patron access policy.
Garcia, Juan R.
Garcia, Carlo Javier
Oral histories
June 27, 2014
Coral Gables (Fla.)
University of Miami Libraries
University Special Collections
Courtesy of StoryCorps, a national nonprofit dedicated to recording and collecting stories of everyday people. www.storycorps.org. Any other uses of this material--for commercial or non-commercial distribution, editing, exhibition, publishing, publicly performing, publicly displaying, reproducing on a website, or quotation beyond "fair use"--requires the permission of StoryCorps. For clearance, please contact StoryCorps at [email protected]
University of Miami MediaSpace™ video portal by Kaltura


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Selling a house
1. Find a solicitor
You will need to have a solicitor in place to sell your property. If you have a mortgage, your solicitor must request your title deeds from your lender. It can take between four and eight weeks for your lender to issue the deeds. To avoid unnecessary delays instruct your solicitor to request the deeds as soon as possible.
If you don't have a mortgage, give your title deeds to your solicitor. Once the solicitor has the title deeds he or she will investigate the title and see if they need to apply for any documents in order to complete the sale.
Solicitor's fees can vary a lot and may be either a percentage of the price of the property, or a flat fee. You will usually be charged additional fees for services like phone calls, postage, search fees and registering deeds. So, before you choose a solicitor get several written quotes that include their professional fees and other costs.
See our Finding a Solicitor guide for more information
Finding a solicitor (PDF 130Kb)
2. Get a Building Energy Rating (BER)
A BER certificate is required if you are advertising a home for sale or rent, or before a new home is occupied for the first time. It shows how energy efficient your home is and checks energy use for space heating, water heating, ventilation and lighting. Your home is rated between A and G, with A-rated homes being the most energy efficient. . You will need to have this before working with an estate agent.
For more information on BER ratings you can go to the website of the Sustainable Energy Authority of Ireland (SEAI).
3. Find an estate agent
While it is possible to sell a house privately, most properties are sold with the help of an estate agent. The estate agent will value your property, arrange any advertising and co-ordinate viewings, as well as being involved in the completion of the sale in conjunction with your solicitor.
All estate agents must be registered with the Property Services Regulatory Authority (PSRA). Check that your estate agent is registered. If you need to make a complaint about an estate agent there is a complaints process that can be followed on the PSRA website.
To help you pick the right estate agent, it can be helpful to ask a few questions before deciding:
- How much will they charge for selling your property?
- What are the advertising costs? This is often paid up front and separate to overall fees charged by the estate agent. It can include photos, online advertisements, and brochures.
- Where will they advertise your property?
- Ask for examples of similar properties sold in your area.
- What is demand for similar properties in the area like?
- Have they any recommendations on how you can improve your property to help attract interest?
- What level of support do they offer during the sales process? How often they will update you, for example after viewings?
- How much do they think your property will sell for?
- If you enter into a contract with them, how long will the contract last?
Percentage fees for an estate agent can vary between 1% and 2.5% of the final sale price of the property. On a house that sells for €250,000 this is the difference between €2,500 or €6,250. Value Added Tax (VAT) will also need to be added bringing the cost up even more.
Remember you are in charge when it comes to selling your home. Talk to a number of different estate agents before you decide on one, and make sure that you are comfortable with the person, cost and the support they will offer throughout the process.
Once you have selected an estate agent, you will enter into a contract with them. The contract will set out the terms and conditions of the sale, including all costs. It should also include a copy of the Property Service Agreement. The Property Service Agreement is a statutory document published by the PSRA and all licensed agents in Ireland must give you a copy at the outset of the relationship.
Some contracts will include an exclusivity clause where the estate agent acts as the only seller of your property for a period of time. Make sure you are happy with the timeframe outlined in this clause as it may limit your ability to move to another agent if you are not happy with the service or if circumstances change.
4. Prepare for the sale
Give the estate agent a full list of all contents that will be included in the sale, for example furniture, appliances, blinds, as well as any damage or repairs needed to the property that will not be completed prior to the sale.
It may be a good idea to get an engineer's report completed on your property before you put it on the market to highlight any issues. By giving this information to a potential buyer at an early stage of the process, it could reduce the possibility of the buyer looking to negotiate the price down after they conduct their own survey.
If you used the First Home Scheme to buy your house, you should also contact them to see what fees will be charged.
5. Bidding Process
When offers start to come in it can be tempting to accept the highest bid offered, but there are a number of other factors that you should consider.
- Has the buyer got mortgage approval? Your estate agent should confirm whether the buyer has their mortgage approved in principle. Ask for a copy of their approval letter. If they don't have approval, this means that they still have to apply and might be declined by the lender which could result in the sale being delayed, or possibly falling through.
- Has the buyer got their deposit? Confirm that the buyer has their deposit in place. This will help ensure that the sale is not delayed or falls through at a later date.
- Does the buyer need to sell an existing property? If you are not dealing with a first-time buyer, they may have to sell their own property before they can buy your property. Ask to see a signed contract for the sale of the other property which should give you some assurance that there will not be any undue delays with the sale going through.
- Are they a cash buyer? Some buyers may be in a position to buy your property with cash. This could mean that the sale could go through relatively quickly.
When considering the bids on your property, think about all of the above before making a decision.
6. Sale Agreed
Once you accept an offer, the property is sale agreed and the buyer will need to pay a booking deposit to your estate agent. Booking deposits vary – they can be a specific amount, such as €5,000, or a small percentage of the offer made. This can be agreed with your estate agent. The booking deposit is refundable up until contracts are signed.
Your estate agent will prepare a document of sale details and send this to both the buyer's and your solicitor. This document contains details of the price, conditions of the sale, the estimated closing date – the day the house sale will be completed – and the names and addresses of all those involved in the sale.
7. Closing
Finally it is time to complete the last steps of the process. You will need to attend your solicitor's office to sign the transfer deed and other documentation that may be required to complete the sale.
You will need to provide proof of payment of household charges and LPT (Local Property Tax). This is generally handled by your solicitor. For more information on LPT visit www.revenue.ie.
In addition, if this is not your principal private residence, proof of payment of NPPR (Non Principal Private Residence charge) will be required for the years the charge applied (2009 – 2013). For more information on NPPR visit www.nppr.ie
Your solicitor agrees a final closing date with the buyer's solicitor. This is the day you will hand over title deeds and keys and the balance of the sale price is sent to your solicitor.
If you have a mortgage, your solicitor is obliged to pay it off from the sale proceeds and any balance is transferred to your account after your solicitor has deducted all the agreed fees relating to the sale.
Last updated on 3 October 2022
- Buying a home step-by-step guide
- Selling a house
- Mortgages
- Home insurance
- Apartments and duplexes
- Rental accommodation scams


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Actor Ray Fisher has joined The Farooqi Bros for a new interview. Fisher joins ComicBook Debate to discuss 'Zack Snyder's Justice League' in a full spoiler discussion. During the interview, Fisher discusses his role as Cyborg, and how he emotionally plugged into Victor Stone. Fisher explains why people of color and differently-abled fans connected with…Read More
All articles filed in Cyborg
Ray Fisher Speaks on Joss Whedon's Abusive Environment During Justice League
Ray Fisher accused Joss Whedon of "gross, abusive, unprofessional, and completely unacceptable" behavior during the studio mandated reshoots from Justice League's theatrical cut. Fisher went on to say that Warner Bros. co-president of production Jon Berg and former DC Entertainment president Geoff Johns enabled Joss Whedon's abusive environment during Justice League. While both Berg and…Read More
The Voice of Cyborg: An Interview With The Zeno Robinson
Zeno Robinson is what you call a star in the making and in the past two years he has been racking up impressive roles to add to his ever-growing resume. Recently I had the pleasure of discussing his career with him. We talked about his role as a Black voice actor and his experience in this rigorous field.Read More
Cyborg Isn't Here For Your Comic Relief
What does Cyborg mean to you? I ask this question because in the weeks leading up to the release of Justice League, I noticed an alarming amount of people who either dismissed or rejected the DCEU's interpretation of the character. If you grew up during the era of Toonami, you almost certainly remember watching Teen…Read More


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The avocado is on the weekly grocery list for many American shoppers, but it hasn't always been that way. Over the last decade, the availability and quality of avocados in the supermarkets has skyrocketed all across the US, leading to an increased demand for avocados. Therefore, many individuals in climates ideal for growing avocados are buying up land and becoming avocado farmers. The volcanic soil in the mountainous region of Michoacán, Mexico is one of those ideal climates. This region produces some of the best quality avocados in the world.
Over the last 10 years, new farms have sprouted up in every corner of this region. Yet Michoacán is not new to agriculture or avocados, there are avocado farmers who have lived on this land and cultivated avocados for decades. The land they live on and work on has been passed down to them by their mothers and fathers, grandmothers and grandfathers. These farmers had a passion for avocados long before The Avocado Toast.
For the past five years, Equal Exchange has partnered with a cooperative in Mexico comprised of 22 avocado farmer members. Many of the members of the coop have lived and farmed in this region for decades.
Meet the Farmer: The Story of Gustavo's Farm
Gustavo is an avocado farmer, a member of the coop, and on the co-op board of directors. He owns and lives on land passed down to him by his father. His orchard is biodiverse and lined with avocado trees that are 50 or 60 years old with branches towering a two or three stories in the air. The quality and richness of the avocados that his trees produce are unmatched.
The newer farms surrounding Gustavo's farm are a stark contrast, with farmers embracing the Chilean style of avocado farming. The reason for this is to maximize profits in a shorter period of time. This is a method of high-density planting where trees are planted in tightly packed rows, a few feet apart and grow into shorter bushes that must be trellised. Standing on Gustavo's farm you can look to the left and see his neighbor's densely planted avocado trees. Then you look to the right and see Gustavo's spaciously planted family trees (see photos below). This contrast is a stark example of the current landscape: newer farmers and generational farmers that are now cohabiting the land.
The Story of Alfredo's Farm
Alfredo is also a member of the avocado cooperative. He owns eight hectares of land, where he lives and farms with his family. The land has been passed down through his family for many generations. They originally farmed maize (corn) on the land and transitioned to avocados 19 years ago. He and another coop member, Ruben, transitioned their farms to grow avocados organically 16 years ago, which was a very progressive decision at the time in Mexico. His decision to transition to organic production was inspired by the birth of his first daughter, as well as the wish for his family and community to live in a less toxic environment.
It is a lush and beautiful farm in the mountains near Uruapan. Like Gustavo's farm and the farms of many other coop members, Alfredo's farm stands in contrast to the surrounding farms. Short trees, tightly packed together, represent the newcomers versus land like Alfredo's, where the care and passion for avocados ooze from every corner.
Support These Farmers
The lives of these two families highlight an evolving landscape in this region of Mexico. Your purchase of Equal Exchange avocados supports 22 farmers who are progressive small farmer advocates in a rapidly changing environment. Thus, your purchase allows these farmers who have dedicated their lives to changing avocado cultivation and avocado trade to remain on their land, to keep their communities less contaminated, and most importantly to preserve the land for future generations.
Watch this video created by the avocado coop to learn more the importance of organic farming: http://www.beyondthepeel.com/avocado/
Article Courtesy of Equal Exchange
Originally posted 2017-05-22 06:00:28.


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Since our five last weeks here in London have started we realised that this is the last chance to explore more of London. It turned to a kind of panic which is almost paralysing us because we don't know what to do first. Michael is full of plans and permanently talks about everything he still wants to see. My pregnancy me is giving him amused looks, hoping that he will relax and telling him that we can always come back to lovely London.
The delusion of getting the most out of our last five weeks in London brought us another glorious meal at a wonderful place on Friday evening. After a tough week at work we decided to pamper ourselves with a dinner at the Brawn. We passed this restaurant so many times in the last three weeks thinking that we really want to taste their wines and their food that it was an easy decision. It doesn't look very glamorous from outside – almost inconspicious as if it wants to tell people to pass by and not to come in. Only if you take a second glance or if you have an eye for these kind of places you will see that this restaurant is a gem.
The interior is quite simple and so is the menu. But the selection of wine is tremendous!! If I would't have been in standby modus due to the fact that I am five months pregnant I am pretty sure Michael and I would have gone for a bottle of orange or yellow/oxidative wine. We went for wine by the glass instead but were not disappointed at all. We were surprised that the waiter was not only very kind but also incredibly competent. After we had a look at the menu and were ready to order Michael asked him for a wine by the glass which would be a good match. And all of the sudden this mousy looking guy starts talking about the wine he would recommend (with the most adorable french accent) with such a passion that both of us just stared at him for a minute sucking up all information possible. We were melting away and it was quite obvious that we would buy everything he would sell us.
As Michael went for pig brawn as a starter our waiter recommended a glass of the 2011 Braucol from the Domaine Plageoles.
Braucol is a very old variety and also known as Fer Servadou. It produces a wine high in colour, full bodied and rustic. The wine reminded us a lot of our not very famous Regent which is also known for its healthy aromatic grapes. Nevertheless, the 2011 Braucol pleased us with a lightness and fruitiness which fit perfectly to the salty pig brawn.
It made the wine taste even sweeter and smoother than we expected. We learned that wine generally doesn't go well with salty food (really?). But this one was a huge win! The fact that this is not a wine made in mass production made it even more delicious. The winemakers (father and son) believe that mass production cannot deliver good quality. It is for this reason that they rather spend their time exploring long-lost grape varieties.
As a main dish Michael went wild and chose snails on toast with bacon. Even for this rustic hearty dish our brilliant waiter found a perfect wine match. He recommended an untypical Merlot with just the right sharpness to cope with the spiciness of the ham and the chives. Although my main dish was not hearty at all I drank as much of the wine as Michael did. I had beetroot risoni with goat cheese which made me feel like in heaven. The sweet beetroot and the salty, creamy goat cheese were a perfect match. Together with the nuttiness of the rocket salad it made me want to stay forever.
Unfortunately we were so delighted by the food and the wine that we forgot the name of the second wine (shame on us). But this is of course a very good excuse for the next dinner reservation (which we already booked for next Friday!).
This might sound like a very fancy experience but it was absolutely simple which we both loved about it. The food was simple, the interior was simple, the employees were simple, even the wine was kind of simple. Nevertheless there was this love for the detail and for quality food and wine which totally fascinated me: The willingness to invest time, passion, care and thought into a concept, an experience. It makes you feel at home rather than dining in a restaurant.
If you are living in London or visiting London I highly recommend this place as an outstanding experience. It is not easy to get a table but you can book online. We can also recommend its sister restaurants the Green Man & French Horn and the Terroirs Wine Bar.


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Laurie & Whittle
A partnership formed of Robert Laurie (1755–1836) and James Whittle (1757–1818).
Laurie was apprenticed to Robert Sayer in 1770 and made free in 1777. He was a skilled artist, who exhibited at the Society of Artists from 1770, winning a silver palette for a drawing in 1770, and he was also an accomplished engraver of mezzotint portraits and produced views and other decorative items. In about 1792 he returned to the Sayer business and took it over from the ailing Sayer in 1794.
Whittle was apprenticed into the Needlemakers' Company, evidently made free by 1792, and joined with Laurie to take over the Sayer business in 1794.
The foundation of their business was the existing Sayer stock of printing plates, both for maps and atlases and also decorative prints, but they continued to add new material to freshen up the atlases, as well as separately-published maps on topical issues, notably events during the Napoleonic Wars.
Laurie retired in 1812. His son Richard Holmes Laurie replaced him in the partnership and, eventually, took over the firm after Whittle's death in 1818. Presumably under the influence of Richard Holmes Laurie, the partnership became noted as chartmakers and publishers, with the business existing to the current day as Imray, Laurie, Norie and Wilson.


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Results of the latest government survey have shown that smoking has become less and less prevalent in Hong Kong over the years. However, the government said that there is a need for e-cigarette regulation, after it was found that the product was growing increasingly popular and is used by students.
In 2015, there were 641,300 daily cigarette smokers, 83.9 percent being male and 16.1 percent female, according to the latest Thematic Household Survey Report of the Census and Statistics Department.
There is shown to be a continuous downward trend with smoking in Hong Kong; in 2015, smokers aged 15 or above made up 10.5 percent of the population, down from 10.7 percent in 2012. The percentage of teenage smokers, meaning those aged 15 to 19, also went down from 2 percent to 1.1 percent over the same period.
Under-secretary for Food and Health Professor Sophia Chan said on Thursday at a press conference that the decreasing trend showed the effectiveness of the government's tobacco control approach, which included legislation, taxation, law enforcement, health promotion and smoking cessation services. In the early 1980s, smokers had made up 23.3 percent of the population.
"Although our daily cigarette smoking prevalence continues to be one of the lowest around the world, we cannot afford complacency, especially in the face of the fact that the smoking prevalence of certain groups did not see any significant decrease. For example, the smoking prevalence of female remains at the level of 3 to 4 percent in the past 10 years," she said.
A survey conducted by the School of Public Health of the University of Hong Kong also found that smoking amongst primary school and secondary students had become less prevalent. However, it also showed that 2.6 percent of primary four to six students and 9 percent of secondary school students have smoked e-cigarettes before, while 1.3 percent of secondary school students currently still smoked e-cigarettes.
Chan said that the government was concerned about the use of e-cigarettes among students and that there were challenges posed by the increasing popularity of the product. "The government is therefore considering prohibiting import, manufacture, sale, distribution and advertising of e-cigarettes through legislation with an aim to protect public health.
"We hope that the relevant amendment bill can be introduced into the Legislative Council soon. In the meantime, the government will continue to educate the public on the potential harms of e-cigarettes," Chan said. The government will step up its efforts with smoking cessation services to bring the percentage of smokers down to a single digit.
Legislative Council medical sector representative Dr Kwok Ka-ki told Ming Pao that teenagers will pick up the bad habit of smoking after using e-cigarettes and it is a very serious problem. He also said he was disappointed that a timetable for e-cigarette regulation legislation has not been set and urged the government to act as soon as possible.


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Hey beauty babes! Today I am thrilled to be collaborating with the wonderful Heather Austin to bring to you this FULL FACE of Drugstore Makeup look for FALL! I decided to go for a more Glam look, but its actually very simple, I promise!! And just for a little added bonus, I decided to talk about a few other drugstore recommendations that I had for you! I really hope you enjoy today's video! Keep reading for all the products I used, and please be sure to check out Heather and show her some love! ♥
Check out Heather's Channel here.
Brushes used/mentioned:
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Stilazzi Brushes use code AGAPELOVEGIRL for 20% off (affiliate)
Products Used:
**Some Affiliate links may be used.
- Maybelline Great Lash Mascara Curved Wand
- Ardell 3d faux mink lashes #857
- Pixi Mattelast Liquid Lipstick in Matte Beige
**Affiliate links help me to earn a small commission when you purchase something after clicking the link. It doesn't cost you anything extra, and its a small way to help support me and my channel! ♥
Much Love & Hugs,
Sponsor an "In Post" Ad! Click {here}for more info.


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Francesco Corea, Ph.D., is a complexity scientist and tech investor who is mainly focusing on science-driven companies in high-social-impact verticals including
life sciences, energy, and artificial general intelligence. Francesco has a background that ranges from economics and finance to applied machine learning,
and he's been working on a variety of different data problems over the past few years (e.g., sentiment analysis, fraud detection, behavioural science, etc.).
He has worked with AI companies as well as an emerging VC funds and strategic consulting firms. Dr. Corea holds a Ph.D. in Economics.


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Open Letter to Jeff Weiner CEO of LinkedIn
I'm writing this letter to you to express my concern. LinkedIn announced in the Help Centre that it will shutdown the Events application next Monday November 26th. I'm training recruiters, sales people and job seekers in the use of LinkedIn since 2007. The events application has been an integral part of my LinkedIn presentations, workshops and trainings since it started and your users LOVE it. Why?


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Athletics Dept. starts new safety initiative
One of the ways college sports teams have success is through their offseason training regimen. Offseason training consists of lifting weights to improve strength and working on speed and agility with drills.
Baldwin Wallace athletics have partnered with T3 Performance to run offseason training for the school's athletic teams.
Athletic Director Kris Diaz said that Baldwin Wallace athletics began the partnership in February this year "to manage and coordinate our strength and conditioning programs for all of our student athletes."
Diaz said the decision trickled down from all divisions of the NCAA as a way to ensure proper safety for student athletes.
"It was a safety consideration," said Diaz. "There are a lot of injuries that happen in the offseason strength and conditioning people. There came questions of who's running these programs; do they have the knowledge and experience necessary?'"
Assistant Athletic Director John Snell said that, due to these injuries throughout programs across the country, there has been a crackdown to make sure athletes are getting proper care while training.
"The NCAA wants to make sure institutions are using certified people when it comes to strength and conditioning with their athletes," said Snell. "They want to avoid anyone going in and putting athletes through some form of workout without having a thorough knowledge of strength and conditioning."
The use of strength and conditioning coaches are only for offseason training, said Snell, partially because of NCAA rules stating that coaches are not allowed to hold workouts in the offseason.
"Coaches are not allowed to have mandatory offseason things," said Snell, "so if they can remove the coaches from being strength and condition coaches, then they won't put those coaches in bad positions."
Diaz said T3 will only be conducting offseason training, leaving coaches in control of training during their team's regular season.
During actual seasons, coaches will go back to conducting their strength and conditioning, but the T3 Program will "provide us with information and work with our coaches," said Diaz.
"Our coaches work with their teams on a regular basis," said Diaz. "Some of that involves going over to the weight room."
Funding does create a small concern for the T3 Program moving forward, said Diaz.
For smaller Division 2 and Division 3 schools, Diaz said, funding creates bigger issues than it does for Division 1 programs.
"Division 1 schools could say, 'we'll just hire some people,' whereas [for] the other schools, it's a little bit more difficult to just add positions," said Diaz.
For now, Diaz said, funding comes from "a consulting agreement contract" and "fundraising to pay for the services."
The T3 Program also allows for coaches to step back from their teams for a while so they can focus on other aspects of their team such as recruiting, said Snell.
Snell said that, as of now, the program is proving valuable.
"From our coaches and our athletes, we've gotten a lot of very positive feedback from it," said Snell, "and it seems right now it is a very worthwhile investment for us."
Diaz said that having professional strength and conditioning coaches ensures proper training for the athletes because of their recent knowledge and willingness to continue learning.
"That's their career, that's what they do as a profession," said Diaz. "Continuous education and up to date knowledge are one of the best things they can provide. They're spending all their time in that field."
Please consider a financial contribution to the student journalists of Baldwin Wallace University. Your contribution will allow us to purchase equipment, cover our annual website hosting costs, and other expenses so that we can best serve the BW and Berea, OH communities. The Exponent does not operate for profit – all donations will be put directly back into the paper so that we can continue to produce the highest quality journalism possible.
- The Exponent Editorial Board


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Transforming Each Journey Into a Personal Entertainment Experience
Date: October 24, 2018
Time: Noon New York, 5 p.m. London
Sponsor: ACCESS
Duration: 1 hour
The world is changing: drivers want more control over the media they consume and useful information related to their journeys. Passengers expect an entertainment experience in the comfort of their seat. Consequently, car infotainment systems need to become "the" dashboard for travelers by becoming a connected entertainment hub and personal assistant that can offer helpful services like local fuel prices, flight-check-in support and many more.
This webinar, hosted by connected entertainment specialist ACCESS, will discuss the latest developments in in-car infotainment. It will also present manufacturers with tools to stand out from the crowd and prepare for the driverless car revolution. Moderated by TU-Automotive, this webinar will enable attendees to share their questions and gain first hand insight into the trends that are changing the way we drive and enjoy in-car infotainment in every journey.
On the panel we will be discussing:
- How are OTT and automotive content consumption different from each other?
- How is autonomous driving going to change content consumption in the car?
- How much personalization do drivers require from their IVIs?
- Are there different requirements for a driver and the IVI depending on who the passengers are?
- Would the drivers need to connect to their homes to feel like-at-home in their cars?
- Robert Guest, VP Product Management, ACCESS
- Anna H. Buettner, Principal Analyst, Automotive, IHS Markit
- Benedikt Frey, Senior Manager Distribution Sales & Key Account Management, Digital Distribution at ProSieben Sat.1
- Stefan Knopp, Senior Engineer Distribution, Distribution Technik at ProSieben Sat.1
- Moderator: Hayley Bull, Director, 3Vision