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We work side-by-side with advisors to personalize and tax optimize indexed equity SMAs (separately managed accounts) that reflect the individuality of each investor.
Express the individuality of each investor through a wide variety of strategy customization options, including the most granular level of values-aligned investing.SEE YOUR OPTIONS
Work directly with the people designing your portfolio. Reach out any time. Call, email, fax, whatever works for you. Let's talk tax, portfolio optimization, or the best restaurants near San Francisco.MEET OUR TEAM
Rely on experienced portfolio managers to deploy our scalable SMA automation engine, which encapsulates more than two decades of experience, to rebalance a vast number of accounts, with the highest degree of personalization.GET STARTED
That's 23 years of sweating the details to design optimal solutions for each of our clients.
That's 14,100 unique learning experiences you can benefit from.
That's our philosophy. We partner with you as an extension of your team.
Working together often begins with a conversation to unpack investment preferences.
We map data to client preferences to craft a unique portfolio.
We regularly rebalance while optimizing for after-tax performance.
A simple question at your next meeting may be all it takes to uncover valuable tax "gold." For the charitably inclined, a more tax-efficient alternative to effectively liquidating appreciated securities and donating the after-tax cash proceeds to charity may be to contribute the most highly appreciated securities directly to charity and then replenish the account with cash.
Investors interested in intersectionality—how gender intersects with other aspects of identity such as race, ethnicity, class, sexual orientation, and religion, and the implications for social and political equity—may choose to use their shares to directly engage in a dialogue with companies to push for more data disclosure, more diversity on companies' boards, and policies and practices that are supportive of minority employees.
The S&P 500 Index return was up 18.4% in 2020, even though 95% of its constituents experienced a drawdown of more than 10%. This is not, however, just another crazy thing that happened in 2020. The pairing of strong US large-cap index performance with large drawdowns to most index constituents has been the norm and not the exception since 1975. The S&P 500 return was positive in 38 of 46 years since 1975, while more than half the S&P 500 constituents had a drawdown larger than 10% in 41 of those years.
© 2023 BlackRock, Inc. or its affiliates. All rights reserved. BLACKROCK and APERIO are trademarks of BlackRock, Inc. or its affiliates. Other trademarks are property of their respective owners.
*As of 6/30/2023.
This material is provided for informational purposes only and is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are subject to change at any time without notice. References to specific securities, asset classes and financial markets are for illustrative purposes only and are not intended to be and should not be interpreted as recommendations.
This material may contain "forward-looking" information that is not purely historical in nature. Such information may include, among other things, projections, forecasts, estimates of yields or returns, and proposed or expected portfolio composition. Moreover, any historical performance information of other investment vehicles or composite accounts managed by BlackRock, Inc. and/or its subsidiaries (together, "BlackRock") included in this material is presented by way of example only. No representation is made that any performance presented will be achieved, or that every assumption made in achieving, calculating or presenting either the forward-looking information or the historical performance information herein has been considered or stated in preparing this material. Any changes to assumptions that may have been made in preparing this material could have a material impact on the investment returns that are presented herein by way of example. Past performance is no guarantee of future results.
The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by BlackRock to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy.


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Project SEARCH Helps Teens Find Meaningful Work
Finding work is one of the most challenging goals a person will face in their lifetime—not just landing a job, but one that is challenging and edifying. People with disabilities face an even more daunting task, as finding a job—any job—is often seen as an end in itself, without thought to whether or not it satisfies and enriches the individual.
Project SEARCH is a program developed by the Cincinnati Children's Hospital Medical Center to help train young adults with developmental disabilities to work in a medical setting. This one-year, school-to-work program immerses students in the day-to-day culture of a hospital, and includes training in a classroom and on the job.
Developed in 1996, Project SEARCH originally sought to "train people with developmental disabilities to fill some of the high-turnover, entry level positions… which involved complex and systematic tasks such as stocking supply cabinets." Today, Project SEARCH can be found in over 300 cities in North America, the United Kingdom, and Australia. As its webpage states, "Project SEARCH's primary objective is to secure competitive employment for people with disabilities."
Project SEARCH students work a full academic year, are on site for at least six hours a school day for at least 20 hours a week, and are guaranteed at least minimum wage, though they are often paid more.
Students engaged in Project SEARCH will find at the participating hospital or medical facility an on-site classroom (with no more than a dozen students at a time), a special education teacher, and one to three job coaches. The students not only learn the work at hand, but receive hands-on skill assessment, and craft a career plan to help guide them to a satisfying job.
Helping people find meaningful work en route to an independent life is a main priority of employment specialists like the ones at Project SEARCH. The DirectCourse/College of Employment Servicesonline curriculum, including courses such as Strategies for Job Development, helps employment specialists create opportunities for people with disabilities.
Learn more about the College of Employment Services here.

subset: commoncrawl


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What do we mean when we say 'morality'? What role does it play in our lives and our practice?
Morality is essentially a way of defining what is right and what is wrong. Two different people can have two entirely different definitions of right and wrong, two entirely different ways of seeing morality – depending on their culture, their upbringing, their surroundings, their aim in the life, their qualities.
We will not attempt here to give a general explanation of all the different kinds of morality that exist in the world, and why they are there. In this school, this teaching, the basic definition of what is right and what is wrong is this:
If it harms others, or yourself, or both, it is wrong.
If it does not harm others, or yourself, or both, it is right.
This applies to all actions; including physical actions, spoken words, and thoughts. Spoken words are harmful if their intention is to hurt others or oneself; thoughts are harmful if their motivation is hurtful to others or oneself or both.
There is a subtlety here that should be understood before going any further, and that is that words like 'harming' and 'helping' can have different meanings depending on who you speak to, and what their aim is.
To take a basic example, to someone who is not of a generous nature and whose aim is simply to make as much money as possible, removing some money from his bank account and giving it to a charitable cause looks 'harmful' to himself; to hurt his bank account is to hurt himself. But to one who wishes to work on himself and become a better person, it's the opposite – this one sees that, far from being harmful for himself, generosity brings even more benefits for the one who gives, than it does for the receiver, bringing with it all the effects of a lightened heart, joy and peace of mind.
For someone who is following the teaching of the Buddha, an action that is harmful to myself is any wrong action which brings negative kamma. The law of kamma means that when I cause suffering to others, I can expect to suffer the same way myself. Bring peace and happiness to others, and I can expect to gain peace and happiness myself. Thus, an action that is harmful for others is by definition even more harmful for myself; an action that is benefits others is even more beneficial for myself. There is no conflict between the two.
Morality is not something that can be decided upon once and then forgotten about and followed all one's life. It requires constant work, constant effort, to see in the present what is right to do and what is wrong to do, to know whether your action will be helpful for yourself and others or harmful for yourself and others. To see clearly the difference between a right and a wrong action is the definition of wisdom, and as meditators, one of our main tasks is to work to develop and grow this wisdom in ourselves.
To help us to avoid the most harmful kinds of actions both for others and ourselves, we follow a code of morality called the Five Precepts. This is a basic code that anyone wishing to be a student in the Buddha's teaching must accept and follow at all times:
1. Abstain from killing any living being
2. Abstain from stealing
3. Abstain from telling lies
4. Abstain from sexual misconduct
5. Abstain from intoxication.
These are not a set of commandments that are to be followed simply because they have been laid down by an authority. Everyone who decides to take these precepts as a guide in their life should do so because they understand and see for themselves the wisdom in them.
- No Killing
To abstain from killing any living being means that one refuses to ever intentionally take the life of another being, whether that being is human, animal, bird, fish or insect. All beings want to live, all fear death, all have the instinct to survive, all have a mind that can fear persecution and feel suffering. We should cultivate compassion for all living beings and never harm them of our own will.
This doesn't sound like a big deal, but we often don't realise how much killing, particularly of insects, is an accepted and even apparently necessary part of normal life. We must adapt our lifestyle and our livelihood in consideration of this precept: it's obvious that if you wish to follow this teaching, you cannot work as a butcher or fisherman; and in our agricultural practices, for example, we must adapt our behaviour in view of it – we will never use any kind of insecticide or any product whose aim is to kill insects, we will wear mosquito nets and catch flies in nets instead of swatting at them.
However, there will still be times when we step on insects that we do not see as we are walking down the street, or when bugs are dying as they fly into our windshield. We cannot avoid all deaths that take place around us, even when they are caused by our activities, but we take care as much as we can reasonably do, and most importantly we will never do an action whose intention is to destroy another living being.
Note that this precept is only concerned with the direct act of killing itself, and does not extend to vegetarianism. If you want a fuller explanation of this distinction, I have written more about it in this article.
2. No Stealing
To abstain from stealing means what it says on the tin: never take anything that belongs to somebody else, that is not given to you or to which you have no right, neither try to cheat others out of what is their right. Stealing is an act driven by the greed of filling one's own stomach at the expense of making another more hungry, an act of pure selfishness that you do when you do not care about the harm you do to others if you get to benefit yourself. Such an act is not really beneficial to you at all, but will cause you long term harm and suffering. As well as causing worry, heaviness, guilt and regret, constant anxiety lest anyone should discover what you have done; you make yourself into a cheat, a liar, a low person with whom nobody would wish to associate. Who wants a thief for a friend?
3. No Lying
A liar, like a thief, is somebody in whom one can never have trust , and when we lie to others and ourselves it means that we cannot trust ourselves and others cannot trust us. We are hurting ourselves in so many ways by lying, as well as hurting others: making our life more complicated than it needs to be, creating a big block for ourselves if we want to work on improving ourselves, and showing great disrespect, ingratitude and disregard for the people around us.
To abstain from lying is more difficult than it looks at first glance. It's all very well to say we are committed to never telling a lie, but often we can tell untruths almost automatically, as a reflex response to a given situation. We may tell lies for several reasons: for example, to get something we want, to hide something we have done wrong, to protect ourselves from anger, to make other people like us, to make ourselves appear to be better than we are, to gain people's trust.
Deciding to tell no more lies often means exposing ourselves to more censure, laying bare our wrong actions and our mistakes, committing ourselves to being truthful in our words and our actions. If we say we do something, we do it. If we say we do not do something, we do not do it.
(Warning! This should not be taken to mean that we allow ourselves to be taken advantage of by anyone who wants information from us, that we cannot hide information from somebody who has no need and no right to that information – if someone asks us detailed questions regarding our bank account which are clearly none of their business, we don't have to tell them the answer. We will never tell a direct untruth as a response, however – instead, we can either refuse to answer, or give an answer that avoids the question, as the occasion demands.
We should always be aware of why we are choosing to hide something or withhold information, checking inside ourselves to make sure that our reasons are good, and not an excuse for protecting wrong actions or wrong intentions that we have. This requires honesty with oneself, which is not easy, and is a whole other subject!)
4. No Sexual Misconduct
Abstaining from sexual misconduct means different things for a layperson, and for someone who becomes a monk, who has decided to dedicate his life to meditation for the sake of going out of suffering. For a layperson, it simply means that one will never commit adultery, or any sexual act that is not accepted in his society. Adultery is akin to the lowest kind of thievery, and is completely unacceptable for one who wants to work on himself and develop qualities in himself. Even any act of "sleeping around" is not considered in line with morality; being an action that is driven purely by sensual desire, which in itself is a block to progress in meditation; and has almost always complicated and problematic consequences which we wish to avoid.
Monks, and the people who decide to stay at this school, decide to renounce all sexual activity altogether, for the sake of focusing all their energy on their practice, and helping their minds to become calm and concentrated. For this purpose, "sexual activity" includes any actions that are involved with sensuality-sexuality – kissing, hugging, touching; couple-making, as well as sexual intercourse. If we do not give up this act, it means we continue to look for and depend on pleasure and happiness in sex and sensuality, with our minds constantly distracted by this subject – instead of being "an island to ourselves," depending only on ourselves and our practice, and focusing on working towards our aim. While sex by itself is not "immoral" in society, it is "immoral" for a meditator, in that it is very detrimental to his practice and it takes him in the opposite direction of his goal – thus, it is harmful and wrong for him to do.
5. No Alcohol or Drug
To abstain from intoxication means to give up taking any substance that alters the mind and the behaviour of the one who takes it. Alcohol and drugs cause us to be more loose, more careless, with less shame and less regard for the consequences of the actions we do. How many acts of adultery happen when people are drunk? How many fights are started by people who have taken alcohol? How many accidents are caused when people are not in their "right mind"? When we take intoxicants, we not only create conditions for risky behaviour; often it means that we are wanting to use being drunk as an excuse for misbehaviour, to act in a way that we would not normally permit ourselves to act.
Intoxication goes directly in the face of the work of a meditator – our aim is to be aware and alert in everything we do; this makes us unmindful and careless; we want to watch all the time what is going on in our mind; with this we make sure that our mind will be lost in the cloud; we want to practice wisdom; this makes us stupid. Not only do we hurt ourselves and our practice, we risk hurting others out of the stupidity of intoxication, or out of other bad qualities that become bigger and more powerful when we are intoxicated. Does anyone know anyone who is a wiser person when they are drunk compared to when they are sober?


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…as tumultuous crowd express support for Gov
The Governor of Osun State, Ogbeni Rauf Aregbesola, has charged Nigerians to shun any divisive tendency that could threaten the oneness of the country.
This was even as the Chief Imam of Osogbo, Sheik Musa Animasaun charged politicians to shun politics of acrimony and hate comments while seeking political offices.
The Governor also implored citizens to put the stability and progress of the country at heart before taking decisions on matters of national interest.
Aregbesola stated this on Sunday while addressing journalists shortly after the Eid-el-Fitr prayers, at Osogbo Central Eid praying ground, Oke-Baale, Osogbo.
He called on the political office holders to inculcate right attitude that will guarantee unification, peace and stability of Nigeria.
From the Government House Oke Fia, Osogbo where the Governor took off to the praying ground, the governor's convoy snaked through a thick crowd of residents who expressed support for the governor.
Many climbed rooftops and stand at vantage positions to catch glimpses of the Governor as residents waved at him.
Aregbesola held that it is high time for Nigerians to be more united than ever, regardless of their socio-economic, religious and ethic differences.
The Governor enjoined those at the helms of affairs to always prioritise people's welfare and place their interests above individual and personal aspirations.
According to him, "It is time for us as Nigerians to be more united irrespective of religious, economic or ethic interests. We must shun any divisive tendency that could stimulate hatred and challenge to the stability of our nation.
"In our thoughts, deeds and speeches, let us promote peace, love, unity and stability of our nation because it through this that we can continue to exist as a united nation.
"Irrespective of our diverse nature, let us champion positions that would foster unity, growth and development of our dear country.
"We need to put the stability, progress and economic development of our nation as the major focus of our spiritual activities. We need a stable, united and a progressive nation for us to be happy with ourselves and be in harmony with ourselves and others.
"Our race needs a huge stimulus and this nation-Nigeria needs to be at the forefront in achieving a great and viable economic status among its peers in Africa", Aregbesola stressed.
Congratulating Nigerians especially Muslims on the successful completion of the one month-long Ramadan fast, Aregbesola tasked Muslim faithful across the globe to always stick to the tenets and injunctions of their faith.
He charged Muslims Ummah to abstain from whatever the religion forbids and always to tow the path which the religion prescribed.
"As Muslims, we must tow the path which our religion prescribed. We have been patient. We have been persevered and we have controlled ourselves during Ramadan period.
"We must sustain all this virtues after Ramadan. We must be good ambassadors of our faith and our nation.
Earlier in his sermon, the chief Imam of Osogbo, Sheik Musa Animasahun stated that government and governance must be seen as responsibility and not a tool to milk the people and their resources.
Sheik Animasaun admonished political office holders to prioritise people's welfare and place the interests of the masses above other considerations.
According to him, Islam doesn't forbid politics and we are not saying people should not involve in politics but whoever ventures into politics must do it with good intent of advancing humanity.
"We must shun politics of acrimony and hatred in all our conducts and always bear in mind that every action will be rewarded according to intention.
"Our politicians should shun backbiting and do away with politics of calumny that could trigger hatred, disaffection and as well breach peace in the society.
He charged politicians and those seeking political offices to purse good aspiration by prioritising the interests of the masses, saying "this virtues must be paramount in the minds of all politicians and leaders".
While congratulating Muslims on the occasion of the Eid-el-Fitri, Sheik Animasahun admonished Muslims to celebrate the period with fear of God and moderation.
He charged Muslims to distant themselves from worldly things and be mindful of end time and day of judgement in all they do.


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Let's get something very, very clear: I never intended to write Middle Grade. In fact, when the day came near the end of my 36th consecutive year of breathing to finally quit pretending I was going to start writing books—you know, someday—and instead actually begin writing something that very day, a Middle Grade novel was the very last thing on my mind.
See, I was going to be a King (of the Stephen variety). Or a Robert Jordan. I'd have even been happy to come in as a Weis and Hickman, especially since I figured I already had enough errant thoughts for two people, easy.
The point, though, is that I was going to write fantasy stuffs, and they would be for adults, leaning towards something accessible that even my wife or mother-in-law might enjoy, since they both tend to prefer books grounded in the Real World*. My novels would be about relatively average people (over 25, naturally!) dealing with remarkable, mature problems that anyone could see themselves wrangling over. Sometimes the stories might start with the modern day and spiral into a dark fantasy place with an edge of horror, and other times it would start with the edge of a double-bladed ax. But whatever the concept, the books were always going to be for grown-ups.
You know, because being able to write characters that swear like sailors six miles offshore was important to me. For reasons.
But then, a funny thing happened on the way to International Bestseller-dom. Back in the waning months of 2011, when I was knee-deep in creeping subplots for my first novel, my oldest son, at the time a mere child of 9 years and into reading books of his own choosing for the first time, asked me one night as I was hunched over my laptop, hammering out adverbs (badly), if he could read my fledgling novel.
Unfortunately for him, as that particular novel contains themes beyond the emotional range of most 9 year olds and is also littered with language I'm sure his mother would still prefer he not use when the grandparents come over to babysit, I had to tell him no. Hoping to lessen the blow somewhat, I told him he could read it when he got older, if he still wanted to. But he's my son, meaning that demonstrating a modicum of patience was never likely to be his Plan A.
So he pitched Plan B.
"Well, if I can't read that one until I'm older, maybe when you're finished writing it, could you write one for us?"
Blink Blink
Wait. He wanted me to write a story that he and his 8- and 7- year-old brother and sister (respectively) could read on their own? Why…that was just crazy enough to work.
Maybe. I still wasn't convinced, but I told him I'd see if I could come up with a good story.
Time past, as it does, and I finished that first novel, and revised it to within an inch of chucking it into the oven and setting the self-cleaning cycle. But by the time another year rolled past, I finally had a novel to query.
Just in time for NaNoWriMo 2012. If you're not familiar, NaNoWriMo is an abbreviation for "National Novel Writing Month", which is this thing where caffeine-fueled fiends attempt to pound out a complete, 50,000-word sloppier-than-a-kid-on-picture-day-after-recess-and-spaghetti-lunch draft of a new novel all in the month of November. Before then, I'd always sworn I'd never attempt NaNo because 50,000 words, while indeed a sizeable chunk of text, does not an adult fantasy novel make.
But then I remembered Oldest Son asking me to write a new story, one for them. And hey, look at that, 50,000 words IS enough for a Middle Grade novel. Kind of the perfect number, really, if you write science fiction or fantasy.
cough likeIdo cough
But then, how do you write a middle grade novel?
I didn't know. Not the foggiest clue. What I did know, though, is that I've often been accused through the most recent two decades of my life of acting somewhat, um, less mature than my age would indicate. And as the father of four kids ranging in age from 4 to 10, I also had a very clear daily view into the "He touched me! She called me Cheesebuckets! Dad! Make Him/Her Give Me The REMOTE!" world of the middle grade set.
So when November 1st arrived, I put my fears aside and started hammering away at the keyboard like a squirrel with a full piece of corn. Fast. Much faster than I'd written the novel before. So fast I didn't have time to think about whether I was hurling up words that made any kind sense, or sounded right or, heck, might someday be read by anyone other than my kids.
And thus my second novel, my first Middle Grade, was born.
Now, I know what you're thinking. "Puddin", you say (yes, that's a nickname of mine because, well, I'm perpetually 12 and uh…it's a long story), "that's a great fish tale, but it's a lot more about how you came to write middle grade. Not so much the why."
Well, that's the thing. An even funnier thing happened along the way to reaching that particular "The End". Somewhere in the mad, almost thoughtless dash to come up with 50,000 words in 31 days, I found something else, too. I found a novel that was funny and fun, full of honest mistakes and the adventures that often accompany them in fiction.
I found the kind of book I had loved reading when I was a kid.
Even better, I found a hunk of prose that sounded like me. That felt like me. And characters that lived and breathed and hoped and feared and bickered like uncertain, just-trying-to-learn-about-the-world-around-them middle grade kids do. Much like the nerdy, unsure 12 year-old from 1985 that still lingers deep inside me, hoping for friends to come over for a game of D&D.
It took me some time to realize it, but that month, I found My Voice, and got back in touch with the light of the youth I've never really outgrown. And more important than any of that, I found a new way to communicate and empathize with own my kids. A way to see the world through their eyes, even if the world I'm seeing is one of my own creation.
Why do I write middle grade? Partially because it fits me like a spandex Star Trek uniform from The Next Generation (the first few seasons, duh).
But also because I think it helps make me a better parent. Which I'm hoping will cut down on therapy sessions down the road.
*By "Real World", I mean the one we average folk live in, NOT that farcical TV show with the unlikely arrangement of strangers MTV used to produce in the hopes someone would hook up…and then break up…all on camera.


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1050 pure aluminum plate sheet
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Final product: PS board base, signs, lamps, nameplates, etc.
1, with excellent forming characteristics, high corrosion resistance, good electrical conductivity and thermal conductivity;
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4, with semi continuous casting production line 6, continuous casting and rolling production line of 10, other large-scale processing equipment of 44 units, the annual output of up to 450 thousand tons;
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Many women complain about sperm leakages or sperm pouring out of their vagina after sexual intercourse, attributing it as the cause of their infertility.
This anomaly is quite common, especially in amongst women all over. The leakage or reflux of sperm from the vagina does not exactly cause infertility, although to a greater extent it can lower a couple's chances of conception, given that to actually conceive a healthy baby, a woman will need a healthy sperm cell and an optimal vaginal health condition for this purpose to be accomplished.
Ideally, the sperm is structurally divided into the following parts:
- The head (fusion with the ovum)
- The body (provides energy)
- The tail (for movement)
Thus to ensure fertilization; altogether the above-mentioned structural parts of the spermatozoa ought to be functionally normal, otherwise becomes a case of male infertility.
On the other hand, a woman too has a similar role to play especially as it concerns the leakage of sperm out from the vagina after sexual intercourse.
Studies have revealed that women with a medical history of pelvic infections will induce the immune system to release anti-sperm antibodies within the vaginal tract, and so when the male partner ejaculates sperm into the vagina, these antibodies would inadvertently attack the "head" of the sperm thereby weakening its viability and capacity to impregnate the cervical mucus, lowering the chances of fertilization, and the rest of the ejaculate pours would pour forth, out of the vagina.
Causes of Sperm Leakages
A couple with primary or secondary infertility suffering from sperm leakage issues after sexual intercourse may have other factors hindering their efforts at trying to conceive. So, it's important you consider the following factors that could debar you from conceiving and maximize your efforts:
- Bacterial Infection:
A woman with a history of genital diseases like I hinted earlier could have some antibodies lurking inside her vagina. These antibodies mistakenly could attack the male sperm cells inadvertently, and in the process harming the sperm.
- Dietary Choice:
A woman with thick cervical mucus can also suffer from the leakage of sperm from the vagina due to over-indulgence in foods with excess glucose content.
The reason behind this is that foods with high glycemic index increases the acidic pH level of the vagina and thickens the cervical (vaginal) fluid, whereas the sperm will require an optimal alkaline environment, and as a result this repels the male sperm leading to sperm leakages.
- Retroverted Womb:
Women with tilted (or malpositioned) uterus have been found to suffer from sperm leakages from the vagina. This is because the normal uterus is in a anteverted anatomical position and more favourable for normal sperm movement into the womb, as against a retroverted womb that impedes the male semen from moving into the womb.
4 Ways to Naturally Prevent Sperm Leakages:
- Ideal Sex Position:
For a woman with a retroverted uterus, the best position to adopt is the rear position or doggy style this helps to increase your chances of conception.
- Having Orgasm:
Orgasm is a period of intense sexual climax in a woman, accompanied with spasm of the pelvic muscles which helps to pull sperm into the womb. Reaching orgasm and ejaculating concomitantly increases a couple's chances of conception, even if sperm leakages still do occur.
- Timing sex:
To ensure adequate sperm enters into the uterus, and to minimize sperm leakages during sexual intercourse, the female partner should place a pillow behind her waist and then remain on her back for at least 20 – 30 minutes, without first dashing off to the bathroom for a wash!
- Male factor:
To further enhance the influx of sperm into the uterus the male partner will need to deepen his penetrations, especially at the peak of sexual climax. This will ensure that sperm is ejaculated strategically around the gateway into the womb, increasing his chances of fertilization..
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HFTP Virtual Education — 2020 Archives
Session Categories
- Finance
- Technology
- HR and Legal Considerations
- Additional Topics
- Europe Hangouts
Are Your Business Payments Safe?
Sponsored Virtual Event — Paymerang
Learn how your company can help your accounts payable team eliminate check writing and start making secure electronic vendor payments today.
Standardization and Automation for Improved Efficiency
Sponsored Virtual Event — PAS
A panel discussion from PAS with technology experts from Aimbridge Hospitality, Four Seasons Hotels and Resorts, Hard Rock Intl and Hilton Worldwide.
Fundamentals of Construction Audit
David Luker, CPA
Director, Risk Advisory Services
Why the Hospitality Industry is Focused on Automating Their Payment Processes
Kara Koespell
Corporate Spending Innovations
Bob Dunigan
Four Seasons Hotels and Resorts
Chris Koepper, CPA
Unleashing the Power of Business Intelligence: Power BI and the Future of Reporting
Jonathon Goodman, CPA, CHAE
CFO, Lost Tree Golf Course
HFTP Cancun: Cybersecurity and Megacable Data Centers
En español. An educational chapter meeting.
How AI and Natural Language Processing Can Address Customer Concerns in the Covid-19 Era
Andrea Kulkarni
Felix Said Marsal
When We Meet Again: The Future of Meetings and Event Space Design
Jeff Loether, ISHC
Electro-Media Design, Ltd.
John Rossman
Electro-Media Design
Human Resources and Legal Considerations
New Immigration Policies in Today's Ever-changing Landscape
Fiona McEntee
Founder and Managing Partner, McEntee Law Group
CCPA Challenges and Review of Emerging State Privacy Legislation
Dan Clarke
President, IntraEdge
Tom Lasiter
Director, Hospitality Americas, Intel
The Future of Immigration and the Use of Foreign Nationals in a New Covid-19 World
Keith Pabian
Founding Partner
Pabian Law
Legal Considerations and Risks: From Working from Home to Reopening Businesses
Jacqueline Siegel, Esq.
Goldberg Segalla, LLP
Victor Xu, Esq.
Goldberg Segalla, LLP
Reintegration from an Employee Perspective in Hospitality
Keith Pabian
Pabian Law
Kari Heistad
Culture Coach Intl. / Diversity Dashboard
Washington's Covid-19 Responses: How Do They Impact My Club?
Brad D. Steele, J.D.
Private Club Consultants
HFTP Europe Hangouts
Retail Industry — Comparing Retail and Hospitality in This Environment
Trevor Gordon
Previously Dir. of Omnichannel Retail
Barry Winter
Sr. Consultant, Heyward Hospitality Solutions
Previously VP, Operations – Novotel
Taking a Holistic View of Hotel Technology to Protect Customers, Staff and Reputation
Calum McIndoe
Director of Sales, UK & Ireland
Infor Hospitality Solutions
Technology and Tea
Barry Thomas, CHTP
Sr. Corporate Director, Property Technology
Rosewood Hotels and Resorts
Sponsored by Keystep Solutions
The Future of Wireless in Hospitality
Diego Fontes
Consulting Systems Engineer
Aruba, A Hewlett Packard Enterprise Company
CFO Challenges in the Current Environment, Part 2
Paul Nisbett
Finance Director • Valor Hospitality Partners
Social Distancing Technologies: What Are Our Guests Telling Us
Cristian Morosan, Ph.D., MSc, CHTP
Associate Professor • CN Hilton College, University of Houston
Conversation with HFTP President
Michael Levie, CHTP
COO • citizenM Hotels
The State of Play: The Emerging View Direct From the Hotel Profit and Loss
Michael Grove
Managing Director • EMEA
David Bailey
Brand Ambassador • HotStats
Revenue Management in Times of Limited Revenues: What's The Point
Klaus Kohlmayr
Chief Evangelist • IDeaS
Navigating the Noise of New Industry Standards and Kite-marks for Post COVID Cleaning and Hygiene in Hospitality
Michael Heyward
Managing Director • Heyward Hospitality
Making Sure You Are Getting Value Out of Your Cloud Services in Today's Environment
Carson Booth
Strategic Advisor • POS8
Risk Mapping the Hotel Guest Experience: An Important Step Toward the Post COVID-19 World
Daniel Johnson
Co-founder • Venza
Hospitality CFO Challenges in Europe For a Crisis and Beyond
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Ethical Dilemnas:
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This is another great bouffant STAR scrub hat! It is done in various shades of red with tons of tiny LIGHT RED stars and NAVY BLUE dots all over it on a darker red background. If you like stars and the color RED, this hat is for you! TO SEE MORE STAR OF 4TH OF JULY HATS CLICK HERE
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=27:fool's presents Mikustars [PUP]. Available in three colors - Grey Helmet, Pink Helmet and White Helmet versions - these measure about 6.5" in height. They'll be selling for $40 each (Worldwide Shipping Included), with a release in January 2010.
The line is designed by Double Line and produced & manufactured by G999.


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I'm certain that the many years of over-plucking beginning in my high school years, has been the main culprit of my sparse brows of today :/ Of course, the style of our brows was entirely different too and they weren't the fuller, thicker [yet shaped, arched, & tamed!] brow-trend we have now. I started to feel as though I was out of place when I noticed them beginning to become the common-place style and I decided it was time to make a change.
If there's one thing I've learned about all-things-beauty...sometimes you have to take a little bit of a risk or venture out into uncharted territory. Otherwise, you might just miss out on a super cute style that looks great on you or a fantastic new product that you wonder how you ever lived without! Firstly, I knew I was going to need to increase growth and tone down on the plucking- I let my brows grow wildly for several months and I admit THIS was probably the hardest part of the entire process as it didn't always look that fantastic :/
It's probably a couple of months or so from me completing my goal, but I will DEF show my end results here in the near future ;) The second part was to reshape my brows, which I also found to be more difficult than I expected as I wanted to move the arches and create a new angle- in addition to making them longer. I chose to do this over time, utilizing a brow stencil to aid as my guide each time that I did choose to pluck.
Lastly, I started using a brow/eyelash growth enhancer that encouraged my brows grow back thicker and surprisingly it did start to work at around a month of usage. They are looking better these days and will be a nice set of thicker, more angular brows very soon :) Check out my easy tips below, on how to keep your brows great looking too:
1. If you're wanting to grow out your brows as I've been, a great tool to help out with this is a growth enhancer or stimulator! They aren't very expensive either- you can score one from VIDI Skin Care for around $23 on Amazon. As for instant results, don't expect them with any lash/brow enhancer since it does take daily application over a course of 4-6 weeks before you really see noticeable effects.
2. Want to tame unruly stray hairs?! This is super easy to do with a brow gel ;) Try Anastasia Beverly Hills Clear Brow Gel and you can achieve super refined, tamed brows in a flash. [make sure to check out my review of this product below!]
3. Switch to a powder, gel, or pomade formula when filling in, shaping, and lengthening brows- skip the pencil versions if you can! I've also gotten better results when I didn't- sticking with short and light strokes with a powder and angled brow brush can really help your brows look natural and beautiful [and not overdone!] Urban Decay's Brow Box is an all-in-one brow savior that will make even those that are inept at creating the perfect brows, can easily achieve them with this awesome product. Two great shades with both applicators for the included pot of wax and brow powders makes this $30 item a good buy as well.
4. There are many of us out there- myself included, who may not be experts when it comes to creating the perfect brow. Good thing that Anastasia Beverly Hills comes to rescue with an awesome product I stumbled upon a couple of years ago and I wish that I had found them sooner- stencils! Anastasia's Classic Stencils can be purchased on their own or in a complete kit with brush, 2 brow colors, and wax. The standalone package is only $20 and since they are made out of pliable plastic, they can be easily cleaned and will last forever! There are 5 different sizes included in this bundle, which allows for just about anyone to find their shape/size :)
This brow gel may be a tad bit on the expensive side, but I absolutely LOVE how well it works! Unlike some similar products, this one doesn't flake or cause issues when it dries. Your brows will easily looked finished and refined with this product and you will be glad you spent the extra cash on this one!
The brush is a great quality too and really gets all of the hairs well so you can easily have them stay put, but not clump awkwardly together like brow gels can often cause your brows to do. The formula is clear and isn't too thick, but dries quickly for instant results. I scored a sample-size recently in Sephora Favorites Beauty Closet collection and I was thrilled to snag another tube ;)
I had the lucky chance of getting this product as a sample size a few months ago and I was just now needing to replace it! I'd recommend this to brow novices and experts alike and it's perfect for any woman of any age or skin type- it's also great for those with sensitive skin. The formula contains Chamomile extract to condition the hairs, without the product causing irritation or discomfort.
"This was recommended by a Sephora employee and I really love it and use it everyday. It helps keep your brows in place and prevent fading of any product used to color or draw in your brows. It even works for frizzy fly away hairs you may have around your hair line with a simple brush through."
— Klmuchan- sephora.com
I had the lucky chance of getting this product as a sample size a few months ago and I was just now needing to replace it! I'd recommend this to brow novices and experts alike and it's perfect for any woman of any age or skin type- it's also great for those with sensitive skin. The formula contains Chamomile extract to condition the hairs, without the product causing irritation or discomfort. You can also check out AuthorityAdviser for more review
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Six comments
The Piper's Apron
A fantastic CD by Irish piper Tommy Keane. Jacqueline McCarthy joins Tommy on concertina on the Maids of Mount Cisco and The Crooked Road. This has been out for along time but I was listening to it today and it still sounds great.
Tommy Keane
One of my favourite albums of all time. Anybody know if he's ever recorded anything else.
"Tommy Keane: The Piper's Apron"
From beginning to end a pleasure, including the accompaniments, arranged by Brendan O'Regan.. Some fine whistle playing with bodhran accompaniment on track 2, and the rest of it is Tommy Keane on pipes with various friends… I've been enjoying it again today, great stuff.
I agree with all the above comments - I've had this album for some months and have only just started listening to it. Criminal negligence on my part - then again my loss! Yes, this is a superb, tidy, well produced, well balanced excellent album.


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|Seven Magazine Covers We Wish Existed
|2009-04-24 00:00:00.0
|Print is on the way out. Any last requests?
|Gamers' Choice Voting: PS2 Game of the Year 2007
|2007-12-12 00:00:00.0
|Cast your votes now for the PlayStation 2 Game of the Year!
|Top 25 PS2 Games
|2006-03-29 00:00:00.0
|We present our definitive list of the best PS2 games ever made.
|Urban Fighting Tactics in Brothers in Arms: Earned in Blood
|2005-09-02 00:00:00.0
|The man who wrote the book on urban fighting techniques tells us about the Four F's.
|Bemani Mania at Konami
|2005-05-18 00:00:00.0
|With four new games in the works, Konami should remain king of music games.
|New Castlevania Tidbits
|2005-05-17 00:00:00.0
|The designer of recent Castlevanias drops new info on his two latest.
|Fall Preview Guide: PS2
|2004-09-19 00:00:00.0
|Day one of our fall console preview looks at the hottest PS2 properties coming your way.


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My youngest son is in the hospital with asthma issues. I will not be in school on Monday. I will be checking my email during the day. If there are changes in afternoon pick-ups, please either send in a note to the substitute or call Marie Fischer at the office.
Thank you,
Julie Barth


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Step 2 of the Granny Rose pattern in my Etsy shop.
Wednesday, August 21, 2013
When the Two Most Popular Posts Meet I
Step 2 of the Granny Rose pattern in my Etsy shop.
20 comments:
Very pretty ! I just love those roses , and the colors of yarn .. just beautiful !ReplyDelete
They're so pretty - I love the aqua and red together. :)ReplyDelete
xo Kris
They look very pretty. And the roses, I still love them.ReplyDelete
You can see my poncho I just made, on my blog. I used your roses.
Groetjes, Monique
They look great Astri.ReplyDelete
They are lovely! xxReplyDelete
OLÁ,HOJE OS TRADUTOR DE TEXTO DE TODO MUNDO NÃO QUERER FUNCIONAR,ESTAR MAGOADA(SORRIR).MAS SERÁ QUE ESTE LINDO PACOTE BLUE É PARA VALÉRIA DO BRASIL? :))ReplyDelete
BOA QUARTA MINHA AMIGA.BEIJO.VALÉRIA.Replies
Oh shoot - I did not catch this part:Delete
It translates like this: BUT DOES THIS GORGEOUS PACKAGE IS FOR BLUE VALÉRIA OF BRAZIL? :))
I'm not sure if you are asking me a question that I do not understand?
In any case, thank you for the comment and for coming by. :-)
Lovely as always! Those are two of my favorite patterns. How did you attach the roses? I'm using your roses in a project of my own and have played around with several ways of attaching them.ReplyDelete
Blessings :-)
wonderful marriage of the two ;-)ReplyDelete
They are beautiful Astri, I love the colour combination and of course your beautiful roses finish them off beautifully :)ReplyDelete
Love those cloths and boy have I made a lot and given them away ☺ReplyDelete
Very pretty with the addition of those roses, may have to try to make a rose or 2 ☺☺
I'm not a blue person but this has made me appreciate blue so much!!!!ReplyDelete
Oooh pretty! Love the colors. Now I want to make more!ReplyDelete
Thank you all so much for taking time to leave such awesome comments!ReplyDelete
Kjempefin gavepakke! Rett og slett til å bli glad av! :-)ReplyDelete
Astri how perfectly lovely, what a lucky person receiving this gift, so thoughtful and useful. A great post Astri thanks so muchReplyDelete
Lots of love


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For two decades, R.L. Stine's Goosebumps series introduced the perfect combination of humor and spine-tingling fun to legions of young horror fans. Last week at BookExpo America in NYC, Guinness World Records recognized Mr. Stine as the 'Most Prolific Author of Children's Horror Fiction Novels' for his amazing – and amazingly scary – body of work.
Most Prolific Author Of Children's Horror Fiction Novels: Robert Lawrence Stine (USA) has the distinction of being the world's most prolific author of children's horror fiction novels. As of May 2011, R. L. Stine has written over 300 horror fiction novels including the hugely popular Fear Street, Goosebumps, Rotten School, Mostly Ghostly, and The Nightmare Room series, all of which, according to the author, are intended "…to give kids the creeps".


text: The following is an actual account of what transpired on April 28, 1998. My scheduled flight time was between 6:00am and 8:00am, in a Cessna 172; call sign 738DY. My CFI finished his coffee and we discussed today's flight. Depart from Addison (ADS) and go to Frisco (DDJ) to do some more touch and go's … Continue reading Warning: First time solo raving follows! by Chuck LaForge


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Football Fitness Feature
Check out the guys at Copa90 There are many important attributes needed to play football to a good standard. Technique, tactical understanding, and love for the game are all absolutely vital. However, as you go up the leagues, a larger emphasis is placed upon the physical part of the game. Tactical and technical coaching is...read more


text: Hot Pop / Rock Tickets Chris Tomlin TicketsNew Kids On The Block TicketsString Cheese Incident TicketsThe Eagles TicketsRed Hot Chili Peppers TicketsBonnie Raitt TicketsJack White TicketsDaughtry TicketsFrankie Valli Tickets Buy Edward Sharpe And The Magnetic Zeros Alabama Shakes Tickets Edward Sharpe And The Magnetic Zeros Alabama Shakes Tickets Red Rocks Amphitheatre is proud to present two big music names in one show. Edward Sharpe and the Magnetic Zeros and Alabama Shakes are coming for their spectacular performances and setting the stage on fire in an explosive show. What can be better than the high energy of young Alabama Shakes combined with the purest folk music of Edward Sharpe & the Magnetic Zeros together in one night? Don't miss out on this memorable show and buy Edward Sharpe and the Magnetic Zeros and Alabama Shakes tickets as early as possible. Although we have run out of Edward Sharpe And The Magnetic Zeros Alabama Shakes Tickets, we would like to invite you to view tickets in the following places Chris Tomlin TicketsNew Kids On The Block TicketsString Cheese Incident TicketsThe Eagles TicketsRed Hot Chili Peppers TicketsBonnie Raitt TicketsJack White TicketsDaughtry TicketsFrankie Valli Tickets The American rock band formed in 2009 in Athens, Alabama Shakes consists of lead vocalist and guitarist Brittany Howard, bassist Zac Cockrell, drummer Steve Johnson, guitarist Heath Fogg and keyboard player Ben Tanner. The band has made its mark by garnering devoted fan following as well as several awards including three Grammy nominations. The band started their professional career with Clearwave Recording Studio and produced several songs that were termed as most original songs. Towards the end of 2011, the band released their extended play which consisted of four songs. Their EP was widely liked and eventually earned them an invitation to come and play at CMJ music Marathon Industry showcase. The show went successful and the distinctive style of the band was appreciated by media as well as general public. New York Times praised the band's high energy and unique music. In 2012, the band was included in the MTV's list of Eleven Artists to Watch. Same year, they performed a closing set for 2012 Bonnaroo Music & Arts Festival and also performed at the Newport Folk Festival receiving wide appreciation. The band also did some cover songs of renowned musicians and bands including James Brown, Led Zeppelin, Otis Redding, AC/DC and gained critical acclaim. In over a year, the band stepped up from a local band to national celebrities playing at historic Ryman Auditorium, the Troubadour, Music Box Theatre and several other venues. In February 2012, they were nominated for mtvU award for best live performance. April 2012 brought forward band's much anticipated debut album titled Boys & Girls. It was well received by fans and music lovers and was certified gold. The group received Grammy nomination for Best Recording Package for their album. The band has also been nominated for BRIT Awards for International Group while they won Americana Music Honors & Award for Emerging Artist of the Year. What started with a meeting of Alex Ebert and fellow singer Castrinos in a café in Los Angeles, led to the formation of Edward Sharpe and the Magnetic Zeros in 2007. The band members reached to a number of ten by 2009 when the band released its debut album Up from Below. The album featured the universal hit Home as well as widely famous 40 Day Dream and Janglin. 2012's Here was the band's second album to be released featuring Man on Fire, That's What's Up and many other hits. It was peaked at number 5 on US music charts. Their most memorable performances include the ones at festivals like Lollapalooza, Coachella, Austin City Limits and Bonnaroo. The band is named after a messianic figure named Edward Sharpe, Ebert was really inspired from. In 2009, Ebert along with Castrinos and other musicians toured around the country by bus under the name Edward Sharpe and the Magnetic Zeros. Over the years, the band has toured worldwide performing at Europe, North American and many places in Australia and winning audiences' hearts everywhere. Besides Alex Ebert as lead vocalist and guitarist and Jade Castrinos as lead female vocalist and guitarist, the band's current members include Stewart Cole, Josh Collazo, Orpheo McCord, Nora Kirkpatrick, Christian Letts, Seth Ford-Young, Mark Noseworthy and Mitchell Yoshida. Capture the pure joy of music through the performance of Edward Sharpe & the Magnetic Zeros and enthusiastic and energetic Alabama Shakes. With these two bands around, the music cannot get any better. Buy Edward Sharpe & the Magnetic Zeros and Alabama Shakes tickets and enjoy the unforgettable performance of the two bands in Red Rocks Amphitheatre. You May Also Like Cheap Montreal Canadiens Tickets View All Edward Sharpe And The Magnetic Zeros Alabama Shakes Tickets Frequently Asked Questions


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Wein Salon Natürel 2019
5. Große Naturwein-Messe
For wine drinkers and those who want to become wine drinkers - whether with a hunch or without - discover the well-known and never tasted before.
45 winegrowers from six countries present their natural wines in the "Wein Salon Natürel" in the Stadtgarten. This is already the fourth natural wine fair in Cologne to open its doors on Saturday 17 and Sunday 18 March 2019. It is aimed equally at restaurateurs, wine merchants and those interested in wine.
All exhibiting winegrowers work organically or biodynamically on their vineyards. The wines presented there are hand-picked, spontaneously fermented, unembellished, unclarified, mostly unsulphurised. Surk-ki Schrade, the organiser of the wine fair, knows only too well that this is not a matter of course: "Since wine is considered a luxury in the European Union, winegrowers may legally use up to 250 different additives and aids for wine production without having to write it on the label. Our visitors can enjoy pure fermented grape juice - during fermentation the motto is "Nix rein - nix raus" - at most a minimal dose of sulphite."
The connoisseurs call these wines "Vin Naturel". As the term is not yet protected and uniformly defined, Surk-ki Schrade tries to set its own standard with its exhibiting winegrowers: The natural wine fair RAW-Berlin of Isabelle Legeron still allows 70mg per litre of wine added sulphur. In Cologne, the maximum limit is 20 to 30mg sulphur, even though most of the wines on the exhibitor stands will be unsulphurised.
The date for the natural wine fair in Cologne was not chosen quite by chance. In a way, it sees itself as an OFF event for one of the largest wine fairs in the world, Prowein, which will start at the same time in Düsseldorf. The organiser Surk-ki Schrade has been one of the few wine dealers in Germany to sell these wines since 2009 with "La Vincaillerie". "If you are already spoilt for choice in Paris or New York as to which Vin Naturel wine shop to buy your wines from, you can count the number of merchants by the fingers of one hand all over Germany. Even though there are more and more wine bars with these wines in Berlin, for example, the awareness for natural wines is only slowly awakening," says Schrade.
wine fair, from 11 o'clock, hall
On admission, a glass will be handed out for a deposit of 2 euros, with which the wines can be tasted. Please note that admission to the fair can only be granted from the age of 16.
Admission fair: 10€ + 2€ glass deposit
Tickets: https://stadtgarten.ticket.io/2c3r2txx/?lang=en&view=table
Delicious evening - Repas des vignerons - dinner, from 20 o'clock, hall
The "Delicious Evening": the traditional "Repas des vignerons", is the culinary dinner designed by Maibeck, where winegrowers and the public dine and drink together at long tables - for 58 € (plus fees), including 4 courses, wine and water.
Unfortunately the "Lecker Abend" is already fully booked. Instead we recommend "delicious food" in our restaurant. A few natural wines are also on the wine list there and the motto for this evening is "Bring your own bottle", so that you can enjoy your new favourite wine for a cork money.
Reservations at: https://www.stadtgarten.de/restaurant
concert hall Start 11:00
10 € Presale Please note: vendors of presale-tickets may charge additional fees. 10 € Box Office
Order Tickets ticket i/O
Add to Calendar Download iCal-File


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Moonlight Stripe Throw Blanket
Moonlight Stripe Throw Blanket
Our throw blankets are super soft and plushy and will look great in any room of your home. Throw blankets work great as couch covers or on a bed or ottoman and help you bring color to your living room or bedroom. Our throw blankets come in multiple sizes and can be coordinated with shams or throw pillows to create a matching set.
Care Instructions
Care Instructions
Machine wash cold. Tumble dry low.
Shipping & Returns
Shipping & Returns
Get free shipping with any order of $75 or more!
All other orders enjoy $15 flat-rate shipping (continental USA only).
Returns and exchanges accepted within 14 days of delivery.
Vibrant Color
Shine in your everyday.
All Queenie's Home products boast fade-resistant colors that are long-lasting and eye-catching.


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The highly anticipated next generation MINI Countryman will debut in less than two weeks. That's the word from the inside as MINI gears up for the marketing preview of what will likely be the brand's most important launch to date. Given this we wanted to round up what we know about MINI's latest crossover to give you a sneak peek behind the curtain.
When Can I Buy One?
After the 2017 MINI Countryman debuts online it'll move on to the Frankfurt Motorshow in September. Sales will begin in Europe and the UK in November and December with the US market aiming for January 2017 (similar to the Clubman this year).
What Models Will MINI Launch With?
MINI will launch the Countryman in Cooper and Cooper S models day one with a diesel for European markets following months later. Unlike last time, all variants will be available with all wheel drive.
In the US the launch will consist of the 131 hp Cooper and 189 hp Cooper S – both will be available with All4 all wheel drive and both will be come with a manual transmission as standard.
How Big is This Thing?
The 2017 Countryman isn't just a refresh but an entirely new car from the ground up. Because of that MINI has taken the time to go back to the drawing board to define a car that better meets the needs of owners. Because of that it's both wider and longer than before with weight (likely) up slightly. How big is it? We've been told it'll be slightly taller than the current Countryman and slightly longer than the new Clubman. Looking at the data below you can imagine what that would look like.
What's New?
Everything. Like the Clubman the new Countryman (code-named F60) rides on BMW's new UKL2 platform. It's a longer and wider version of the same platform that underpins the F56 and all smaller MINIs. The platform is both lighter and stronger than the previous chassis.
What's New With All4?
All wheel drive is all about priorities. If traction and safety is a priority over outright performance and efficiency, ALL4 should be paramount. But as we'll find out, MINI has further reduced those traditional downsides that all wheel drive brings. In fact, performance has a good chance of being on par with the two wheel drive model and the MPG figure will likely only be marginally worse.
This is partially due to the fact that the traditional ALL4 weight penalty has gone down to only 134 lbs with this new revised version. Furthermore, measures for reducing system-related losses and an energy-efficient operating strategy have made MPG loss much less of an issue. But enough of the high level. Let's talk details.
The system is a major revision to the one that debuted on the R60 Countryman. Power from the front drive to the rear axle is transferred by means of an angular gear (Power Take-Off) on the front differential and a two-part cardan shaft. The central component of the four-wheel drive system is an electro-hydraulically controlled multiple-disk clutch (Hang-On) inside the rear axle drive, which facilitates infinitely variable distribution of torque to the front and rear wheels. The idea is completely invisible engagement resulting in constant traction in any condition.
The angular gear is mounted behind the engine on the automatic transmission and crankcase. The input shaft is a hollow shaft construction and directly connected to the front axle differential. In this way, part of the drive force is transferred from the differential basket to the cardan shaft via the hollow shaft, the crown wheel and the pinion shaft. The angular gear operates at a fixed gear ratio (1:1.74) and is permanently engaged, meaning that the cardan shaft always rotates when the vehicle is driven. Reversal of transmission takes place in the rear axle drive so that the front and rear axle drive shafts both rotate at exactly the same speed.
The multiple-disk clutch located in the rear axle drive (Hang-On) directs a proportion of torque to the rear wheels according to each driving situation, ensuring optimal power distribution between the front and rear. In extreme cases (e.g. the front wheels are standing on ice), the ratio can be 0:100. In order to ensure maximum positioning accuracy, run-in behaviour and temperature influences are independently compensated, the system constantly adapting to ever changing operating conditions. We told you this is an improvement.
As before, when extra traction isn't required the ALL4 system reverts to front wheel drive improving efficiency. In order to make use of additional saving potentials, the system has a multiple-disk clutch with a spring-loaded Efficient valve, which lowers the oil level in the clutch and significantly reduces friction losses (oil splash losses). When required, the system takes only a fraction of a second to build up maximum operating pressure in the Efficient mode and thus deliver maximum torque to the rear wheels. As you'd expect this all happens without loss in traction or any discernible change in the drivetrain.
Due to the DSC controlling everything, wheel slip can be detected at an early stage. In an example where a Countryman threatens to drift outwards over the front wheels (understeer), increased tractive force is supplied to the rear axle, allowing the vehicle to turn in more accurately. On the other hand, ALL4 directs excess force to the front wheels, should the rear of the vehicle threaten to swerve outwards. As a result, maximum four-wheel performance is available even before slippage occurs. Put simply, the updated system not only ensures best possible traction and safety in wet or snowy road conditions, but also enhances vehicle stability, cornering dynamics and ride comfort. Further, in driving situations where the interconnection of all four wheels is disadvantageous – i.e. in an emergency stop – the system opens the multiple-disk clutch completely within milliseconds.
The Countryman Diesel (US Spec)
A Diesel in the US. We know. You're wondering how we can be so confident about the US finally getting a diesel MINI when MINI USA has either shown ambivalence or pulled plug on the program in the past. Six years ago the US was on the verge of getting an R56 diesel. However due to the global economy meltdown the business case just didn't make sense. However this time things are different. The UKL platform from the beginning has been designed to accommodate the urea tank required for US diesels making modifications less expensive. Then there's the increased interest in higher MPG and diesel in the US that are both consumer cost (never mind the currently low fuel prices) and legislation driven.
So what diesel MINI will the US get? We believe MINI is planning to bring the Countryman SD for 2017 or 2018 model year. What's the SD? Simply put it's a diesel Cooper S drivetrain that produces 168bhp at 4000rpm and 266lb ft lbs at 1500rpm. MPG? That's where things get really interesting.
The Cooper SD is rated at 70 mpg combined in the UK. In US MPG figures that's 59 mpg. While the UK testing procedures are a little less stringent, that's still an incredible number that would do more than just raise eyebrows for the US buying public concerned with efficiency.
The Countryman Plugin Hybrid All4
We initially had been led to believe the hybrid would be available on both the Clubman and Countryman. However if MINI is forced to choose one vehicle (due to costs) there's a very good chance that choice will be the Countryman. Traditionally MINI's volume seller within the larger offerings, the Countryman seems like a safer bet than the wagon-esque Clubman.
The BMW 2 Series Active Tourer plug-in hybrid fuses BMW eDrive with a model-specific form of power transmission – based on the front-drive of the standard BMW 2 Series Active Tourer. The 1.5-litre BMW TwinPower Turbo engine generates an output of 100 kW/136 hp together with a peak torque of 220 Nm (162 lb-ft), with power relayed to the front wheels via a six-speed Steptronic transmission. The additional high- voltage generator on the front axle fulfils three different tasks: it boosts the combustion engine for brief periods with extra output of up to 15 kW and some 150 Nm (111 lb-ft) from rest, generates electric power while on the move (which is fed directly to the high-voltage battery), and enables the engine to be started and turned off very smoothly thanks to its higher output compared to conventional starters. The electric motor is located above the rear axle, together with its two-speed transmission and the power electronics. It sends output of up to 65 kW/88 hp and maximum torque of 165 Nm (122 lb-ft) through the rear wheels.
If that equation sounds familiar that's because it's basically a less potent version of the same drivetrain found in the BMW i8 hybrid Supercar.
As with the BMW i8, the intelligent drivetrain management and networking with the DSC (Dynamic Stability Control) system ensure safe and supremely assured handling characteristics at all times, together with optimised traction, highly dynamic acceleration and cornering, and maximum efficiency.
The BMW 2 Series Active Tourer plug-in hybrid prototype accelerates from 0 to 100 km/h in around 6.5 seconds. Its average fuel consumption in the EU test cycle for plug-in hybrid vehicles will be approximately two litres per 100 kilometres, which equates to CO2 emissions of under 50 grams per kilometre. The range on electric power alone as measured in the EU test cycle will be 38 kilometers.
When Sport mode is selected with the Driving Experience Control switch, on the other hand, the combustion engine and electric motor operate in unison and are geared toward a sporty driving style. The high-voltage generator provides a boost effect at low engine revs and generates electricity that is stored directly in the high-voltage battery up to a charge level of around 50 percent.
Unlike the other BMW Plugin Hybrids, the capacity of the main load compartment in the Countryman plug-in hybrid prototype is identical to that of its conventional siblings. And there is still a storage compartment underneath the load compartment floor, as well.
When will we see a hybrid? Based on sources we expect to see it sometime in 2017 or 2018.


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Dorm Security
Most first-year students at college live in dorms or some other form of on-campus living. Usually there are security measures such as magnetic card locks on exterior doors and key locks leading to the dorm room itself.
I can say from personal experience that these precautions do not ensure property or physical safety. Someone can breach the exterior by asking a student to hold the door for them, and roommates do not always remember to lock up before leaving (even if your child does). These steps can be taken to promote security for your child:
- Wireless Home Security– It's not just for homes anymore. These inexpensive systems give your child, or possibly you, information that includes: control of lights and doors, notifications of when doors are unlocked, and streaming video. Always remember to consider the privacy of your child and his or her roommate when applying this option.
- Get a dorm safe- Your college student may need important document and possession of expensive items that were previously in your care. Luckily there are safes made especially for dorm rooms that will ease your mind.
- Teach your child caution- Impress upon them the importance of not giving strangers access to buildings that require codes, cards, or keys. When in doubt, let your child know its ok to call Campus Security or a Resident Advisor. If the stranger's motives are innocent, then they shouldn't have a problem with it.
Campus Safety
Campuses are relatively safe places during the day. A high volume of people and authority figures make it less likely for attacks or theft to occur. Campus crime is possible anytime and you can prepare your child to have an advantage.
- Always lock up- This mainly has to do with your child's bike since that is often the main mode of transportation on and around campuses. (I also always make sure that there is a more expensive bike than mine in the bike rack so a determined criminal will steal that one first).
- Learn emergency phone locations- On most campuses there are lit emergency phone stations that connect directly to campus security or 911. Make sure your child memorizes the locations of these phones for emergencies.
- Pepper spray and a flashlight- Every student should have pepper spray and a good flashlight for those late night walks after studying or socializing. Take a tip from the police and get the brightest flashlight available with a strobe option. Police use the bright strobe to confuse and disorient attackers. It could be the advantage that your child needs in an emergency.
Often the dangers inherent in partying are the fears that plague parents the most when sending a child to college. This is where trust and preparation play a vital role. Short of locking your child in a basement, you can't control their behavior. Luckily it's not control that you need. Instilling good decision-making abilities in your child can help them to avoid trouble situations that have to do with drugs and partying.
- Self-esteem is the best drug- Build up your child's self-esteem and self-worth long before they are approached with the pressures of drugs or binge drinking. Never let them forget that the decision to abstain is never cowardly, whether its drugs, alcohol, high speeds, or any situation they aren't comfortable with.
- Ignorance isn't bliss- Pretending that drugs don't exist never works. The more you educate your child about the real dangers of drugs the better. Also don't lie to your children and trump up the dangers of certain substances. They'll eventually find out you weren't truthful, and all your credibility will vanish. The best decision is full disclosure. Have faith that you taught them well enough to make the right decision on their own.
- Real life examples- Everyone knows someone whose life has been destroyed by drugs. Real life examples hit home harder than a lecture ever will. Instead of telling your child to turn off Jersey Shore, sit down and watch it with them. Turn it into a learning experience about how ridiculous and irresponsible they are.
Give Them Responsibility
You knew this day was going to come. Show your trust in your child to make the proper decisions for their own safety. With the previous steps and precautions in place, your child will have the greatest chance for a safe a liberating college experience. These investments of time and products are small costs when compared to the peace of mind you will feel knowing that you have done everything to protect your greatest investment: your child.
Earnest Parenting: help for parents sending their children off to college.


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The SIPTU Services Division represents the interest of service workers employed in service related industries, such as cleaning, security, hospitality, retail, transport, warehousing, print, media, financial services and the arts.
SIPTU Services Division is made up of four Sectors:
Services Division campaigns include:
CAMPAIGN FOR A LIVING WAGE AND DECENT WORK – an industrial and political campaign to ensure that all workers in Ireland's services industries are organised in pursuit of five fundamental entitlements: a wage that is high enough to maintain a decent standard of living; certainty of earnings; security of hours; the right to union representation and respect in the workplace.
JUSTICE FOR CLERYS WORKERS - a campaign to change company law and employee protective law to ensure that what happened to the workers in Dublin's Clerys Department Store cannot be repeated.
LOW PAY IS NOT OK – a campaign for a living wage for workers in Ireland's hospitality industry.
MAKE MY WORKPLACE SAFE – a campaign to improve working conditions for hospitality workers and to prevent workers getting physical and psychological injuries at work.
MIGRANT WORKERS SUPPORT NETWORK – an initiative to organise and support migrant workers to ensure they fully participate in union activity and create a union support network to enable migrant workers support themselves and their communities.
THE WORKING CITY INITIATIVE – an initiative to build a broad coalition for living wages and decent jobs for services sector workers in Ireland's cities.
Division Organiser: Teresa Hannick
Email: firstname.lastname@example.com
Tel: 01 8586389


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Second Crop Of BMW Films Getting Ready
from the smart-advertising dept
Back in June we had an article saying that BMW was so happy with their first set of advertainment films that they were working on a second set. Today there's an article with more details about the current crop of films that spends more time discussing why exactly BMW is doing this. On the whole, I think it's very smart advertising. Unlike most advertising, which is seen as intrusive and annoying, this is advertising that people not only want – but that they actively seek out. It's truly targeted. While some people think that it blurs the lines between advertising and entertainment, I'm not sure why that's such a big deal. This isn't an attempt to be misleading. It is an attempt to entertain people while getting some brand awareness. I'd take that over a pop up ad campaign any day.


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Wear a watch that the First Avenger would be proud to put on his wrist. This Captain America Shield Watch with Metal Bracelet Band is super stylish and super colorful.
Steve Rogers would approve. The blue and silver Captain America-themed design looks stunning and the watch features Japanese quartz movement along with a blue and silver metal bracelet band. Checking the time has never been so fun. The face of the watch measures about 1 1/4-inches in diameter.
This beautiful watch is only $39.99 from Entertainment Earth and Amazon.com.


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New Delhi & Goa, India. 22 March, 2016. BAE Systems' world-class, battle proven M777 Ultra Lightweight Howitzer, for which India and the United States are in discussions for a Foreign Military Sale for the Indian Army, will take centre stage at the Company's stand at the ninth edition of DefExpo, India's premiere Land, Naval and Security exhibition. The Company recently reaffirmed its commitment to Make in India by down-selecting Mahindra and Mahindra as its business partner for the proposed in-country Assembly, Integration & Test facility.
In addition to the M777 Ultra Lightweight Howitzer, the Company's showcase includes the Archer 155 mm FH 77 BW L52 Self-Propelled Field Howitzer along with a full spectrum of munitions spanning Hyper Velocity Projectile, 81 mm Mortar, 105 mm & 155 mm Artillery Ammunition, 120 mm Tank Ammunition and the 3P Ammo.
Underlining BAE Systems' capabilities for the naval forces are the world-leadingMk 45 Mod 4 Naval Gun System, a proven, reliable and highly effective automatic 5-inch (127-mm) naval gun system, and the 40Mk4 Naval Gun, an extremely flexible weapon system with its high rate of fire and capability to switch between optimized ammunition types.
Broadsword® Spine®, a revolutionary new wearable technology which incorporates a power and data distribution network suitable for the military, law enforcement and emergency services who need to charge electronic equipment 'on the move', will also have pride of place on the BAE Systems stand.
Recognising the ever-increasing importance of cyber in the defence mix, BAESystems will also be showcasing its cyber defence and intelligence capabilities at DefExpo, giving our experts the opportunity to engage with local sector participants and demonstrate our unique set of solutions, systems, experience and processes. These, combined with our Cyber Special forces – some of the most skilled people in the world – enable us to defend against cyber attacks, fraud and financial crime, enable intelligence-led policing and solve complex data problems.
The Hawk advanced jet trainer, with 123 aircraft ordered to date by the Indian Air Force (106) and the Indian Navy (17), will also find prominence on the Stand. In May 2015, BAE Systems and HAL signed a memorandum of understanding which signposted our joint ambitions surrounding the Hawk programme in India. This covered a number of areas for potential future development including an advanced version of Hawk.
Leading the Company's participation at the show are John Brosnan, Managing Director, India and South East Asia, Dr. Joe Senftle, Vice President and General Manager, Weapon Systems, BAE Systems Inc., and Alistair Castle, General Manager and Vice President, India.
John Brosnan, Managing Director, South East Asia & India, said, "DefExpo is a strategic platform for the Company to demonstrate our commitment to partner India to 'Make in India'. Our showcase curates a range of capabilities and equipment, every one of which has a Make in India vision. In particular, the Show is an excellent platform for us to strengthen existing partnerships and activate new ones."
Alistair Castle, Vice President & General Manager, India, added, "The India defence industry continues to build significant capability. As founding partners of defence manufacturing in India, we are excited to participate again in DefExpo and underline our longstanding commitment to sharing technology and capability with Indian industry."


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- Sepia Saturday: Book 'em by Jollett etc.
- GRANDPARENTS - Saturday Night Fun by TWIGS and TREES
- Ancestry.com houses new community support site by GeneaPress
- Motivation Monday: My 200th Post! by A Patient Genealogist
- "Don't Publish Ages" by A Family Tapestry
- Time to Pop a Cap in the Term "Drive-by Genealogist" by The We Tree Genealogy Blog
- The Guide To Sourcing Images Without Landing In Hot Water by Simply Zesty
- Blogging Genealogy: How do I figure out what to write? by Blogging Genealogy
- It's About Time, Facebook! by Marian's Roots & Rambles
- Grand Theft Genealogy by Mascot Manor Genealogy
- Birth Record Databases Updated at FamilySearch.org by GenealogyBlog
- Solutions to File Format Challenges AND Getting Started with Digital Preservation by FamilySearch Blog
- Macy's Thanksgiving Day Parade Welcomes Two Girls From Milltown by The Irish In America
- What Thanksgiving Looks Like by Family Stories
- I Am So Thankful ... by Genea-Musings
New Blog Discovery
Thanks for reading!
Copyright © Jana Last 2012


text: The book version was published in 2009 and still gets great reviews. By all accounts, this is a joyful film about the sexy lives of women past sixty. I am trying to figure out how to rent this film, without paying hundreds of dollars to buy a copy. It certainly sounds intriguing.