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Privacy Policy
At HANBAO. we take privacy and confidentiality very serious, and treat it with the upmost importance. We are committed to protecting the confidential information provided to us by our customers. This privacy policy is to inform you on how we gather information and how it is used and protected.
If at any point you wish to learn about the information we have collected and hold for you, and if you wish for any information to be deleted please email firstname.lastname@example.com. We will aim to completely wipe your data from our databases
The information we collect on our website
We collect information on our website through the emailing list pop up form and through the store page. The information we collect includes the following: Name, Email Address, Address, Gender, Date of Birth. The data collected is only used for marketing purposes. We collect and store the data to be used in the future so that we can keep you updated with the business, send you deals and discounts and let you know about any future promotions. We never send you anything via email without receiving permission from yourself first via MailChimps Double Opt in feature. If you wish to be removed from our mailing list at any time, please just email us and we will wipe your data.
Our bookings provider, FavouriteTable, may also collect data when you book through our online booking form. Please see their terms and condition to learn more about how they use and collect data.
We also collect information through our Burger Club Card scheme. By signing up to the Burger Club Card scheme you are giving permission for us to send you promotional emails, as mentioned on the back of the sign up card. You can stop this promotional marketing activity by simply unsubscribing from the emails, which can be located at the bottom of every email, or when you receive the opt in email, simply request to not be added to the list and your information will not be stored. You can also request to be removed if you wish by emailing us.
Further information we collect include shipping address for our store page. This is for the use of sending your products to you so you receive them safely as swiftly, the data is not used to send you out promotional material through marketing. If you wish to have your address deleted, please don't hesitate to get in contact with us.
Your Rights when it comes to your data
The right to be informed.
You have the right to be informed of how we are using your data, and what data we are collecting.
The right of access.
You have the right to access and see all of the individual data we have collected on you.
The right to rectification.
You have the right to rectify any false or incorrect information we hold.
The right to erasure.
You have the right to request us to delete all information held on you as an individual.
The right to restrict processing
You have the right to restrict or suppress their personal data
The right to data portability.
You have the right to request to move, transfer or copy your personal data.
The right to object.
You have the right to object to certain types of processing, such as direct marketing.
On our website we use "cookies" to gather further data on the use of our website. We may also collect information about your location, computer, browser and operating system. This data is generic, and does not tell us individuals information. This data only gives us an overview of the whole site users. This data includes; what is the most popular device used to view our website, search engines used to view our website, the most viewed pages on our site, the country of residence of our viewers, button conversion rates, and the most searched words when searching our site, and sales statistics. The information collected is for the purpose of bettering our site and improving the experience and accessibility only, and will not be used to gain personal data on an individual to send them any marketing activity.
Cookies can be turned off on your own computer. To do this activate the settings on your browsers which allow you to refuse cookies. If you activate this settings it may result in you not being able to access parts of our site.
How you can access your information
You can request to learn about any information we have specifically gathered on yourself by simply emailing email@example.com or write too us at 4 Foregate Street, Worcester, WR1 1DB.
Your Consent
By accessing our website you are agreeing to give consent for this information to be gathered. If the information we gather ever changes then we will notify you to confirm if you are still happy for us to gather this data.
By confirming to our 3rd party Email Marketing software that you agree to receive our emails, you are giving consent for us to send you promotional emails until you unsubscribe from the list. After booking through the website or purchasing through the store you will receive an email to confirm you are happy to receive these emails.
HANBAO. take your security extremely serious, and we try to maintain the highest possible standard of security possible. Although, the transfer of data through the internet is never 100% secure, so whilst we will endeavour to protect your information to the best of our ability, we cannot say that your information transferred to our website will always be secure. By using our website you are giving consent for this data to be transferred, regardless of the risk that transferring data via the internet can include.


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CuteFM is the first Internet Radio channel of Odisha. CuteFM began its adventure on June first, 2015 and inside of this brief period it has crossed more than 2.5 lakh audience members. It is a devoted Odia dialect Internet radio. Its substance will incorporate tunes, música, motion pictures, historias, stimulation of numerous types and for all age bunches. With an exceedingly qualified, productive, dinámica, careful and expert gathering working round the clock to excite the group of onlookers.
CuteFM website address is cutefm.org
Popular India Radio:
BBC Hindi
Fácil 96
Hits Of Bollywood
Kalighat Radio
Kerala Malabar islámica Aula
Bollywood Music Radio

subset: commoncrawl


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Emley Day Holes, 200m east of Churchill Farm
- Heritage Category:
- Scheduled Monument
- List Entry Number:
- 1017656
- Date first listed:
- 24-Feb-1998
The above map is for quick reference purposes only and may not be to scale. For a copy of the full scale map, please see the attached PDF - 1017656 .pdf
The PDF will be generated from our live systems and may take a few minutes to download depending on how busy our servers are. We apologise for this delay.
This copy shows the entry on 13-Oct-2019 at 21:17:58.
The building or site itself may lie within the boundary of more than one authority.
- District:
- Kirklees (Metropolitan Authority)
- Parish:
- Denby Dale
- National Grid Reference:
Reasons for Designation
Coal has been mined in England since Roman times, and between 8,000 and 10,000
coal industry sites of all dates up to the collieries of post-war
nationalisation are estimated to survive in England. Three hundred and four
coal industry sites, representing approximately 3% of the estimated national
archaeological resource for the industry have been identified as being of
national importance. This selection, compiled and assessed through a
comprehensive survey of the coal industry, is designed to represent the
industry's chronological depth, technological breadth and regional diversity.
Extensive coal workings are typical of the medieval and post-medieval coal
industry, although this style of exploitation continued into the early 20th
century in some marginal areas which were worked on a very small scale with
little capital investment. In its simplest form extensive workings took coal
directly from the outcrop, digging closely spaced shallow pits, shafts or
levels which did not connect underground. Once shallower deposits had been
exhausted, deeper shafts giving access to underground interconnecting
galleries were developed. The difficulties of underground haulage and the need
for ventilation encouraged the sinking of an extensive spread of shafts in the
area worked. The remains of extensive coal workings typically survive as
surface earthworks directly above underground workings. They may include a
range of prospecting and exploitation features, including areas of
outcropping, adits and shaft mounds (circular or sub-circular spoil heaps
normally with a directly associated depression marking the shaft location). In
addition, some sites retain associated features such as gin circles (the
circular track used by a horse powering simple winding or pumping machinery),
trackways and other structures like huts. Some later sites also retain
evidence of the use of steam power, typically in the form of engine beds or
small reservoirs. Extensive coal mines vary considerably in form, depending on
the underlying geology, their date, and how the workings were originally
organised. Sites can include several hundred shafts spread over an extensive
Coal occurs in significant deposits throughout large parts of England and this
has given rise to a variety of coalfields extending from the north of England
to the Kent coast. Each region has its own history of exploitation, and
characteristic sites range from the small, compact collieries of north
Somerset to the large, intensive units of the north east. A sample of the
better preserved sites, illustrating the regional, chronological and
technological range of extensive coal workings, together with rare individual
component features are considered to merit protection.
The survival of medieval coal workings is extremely rare, and at Emley Day Holes the significance of coal mining remains is enhanced by its context within a medieval park. The archaeological remains of the mines may be used together with documentary evidence to gain information about the administration of the mines, their technological development, and the uses of the coal extracted from them. The day holes therefore present an opportunity to study not only the rare remains of medieval coal mining and the technology of the early industry, but also the relationship between the developing industry and other industrial, agricultural and social components of the medieval landscape.
The monument is situated on and around the Dearne valley escarpment, a steep
natural scarp immediately south of the village of Emley. It includes the
earthworks and buried remains of the Emley Day Holes.
The day holes take the form of earthworks of various sizes and forms, and are
believed to represent the remains of medieval coal mining, whose features and
relationships will provide valuable evidence of mining technology and
organisation in this early period.
Coal was mined here on a small scale in the Middle Ages; it was not popular as
a domestic fuel, but was used for purposes such as iron forging. Where
topography allowed, it was mined from outcrops, and this was the case at
Emley. The steeply sloping scarp, which faces south west, has a number of
small indentations with shallow platforms immediately below, particularly at
the eastern and western edges of the site. The most substantial of these is an
artificial platform of 1m height and 20m width, on an eastern dip in the
scarp. These features resulted from outcropping or adit mining (mining by
tunnelling into the hillside). Handcut workings driven into outcropping coal
on the escarpment produced spoil, building up small platforms which
subsequently made a level surface for convenient access to the workings. A
similar platform is seen near narrow opencut workings in the south west part
of the site. Further earthworks, predominantly in the west, include
spoilheaps, and low parallel banks which are believed to represent the site of
buried structural remains.
Modern field boundaries and electricity pylons are excluded from the
scheduling, although the ground beneath these features is included.
MAP EXTRACT The site of the monument is shown on the attached map extract.
The contents of this record have been generated from a legacy data system.
- Legacy System number:
- 30961
- Legacy System:
WYAS card - mentions dayholes, Moorhouse, Medieval Park - Emley Park, (1985)
WYorks SMR 4607: mentions dayholes, Moorhouse, Elmley Park [sic], (1992)
This monument is scheduled under the Ancient Monuments and Archaeological Areas Act 1979 as amended as it appears to the Secretary of State to be of national importance. This entry is a copy, the original is held by the Department for Digital, Culture, Media and Sport.
End of official listing


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Sometimes I dabble in other Internet realms:
Twitter, Instagram, Spotify, Pinterest, Goodreads.
I am the founder, creative director, & editor-in-chief at Half Mystic, an independent, internationally-acclaimed publishing house, literary journal, radio show, & arts organisation dedicated to the celebration of music in all its forms. I am also the creator of the Love Lives Bot, a digital art installation based on Twitter.
If you'd like to receive love letters from me, you may do so right here. If you enjoy my art & want to support its creation, this is the place. If you are a journalist, producer, editor, blogger, podcaster, or writer interested in covering my work, I'll direct you here. If you are a brand & would like to work with me on a sponsored post, here you are.
Please take a look at my Frequently Asked Questions & my Policies before getting in touch.
If you fancy talking in long-form or would like to enquire about a potential collaboration: email@example.com. Or complete the form below.
(I answer every email, but I do receive a great many & find it difficult to keep up. Please don't be offended if it's been a few weeks & I have not responded to your email yet! I promise it is not because I hate you, just because I am sometimes bad at life.)
I so look forward to hearing from you.


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Our Solutions
CognatioX is Cognatio's Consultancy Team providing broad spectrum advisory services to law firms willing to embrace newer technologies and systems arising from the rapid developments in NewLaw.
Time is money for lawyers and getting to the heart of bureaucracy and inefficiencies in law firms is CognatioX's mission. We deconstruct the core activities and then rebuild them around new software; hardware and business practices.
Security and confidentiality are the start and finish points on the work we carry out for clients. Our systems understand that internet threats to network security are a global phenomenon which is why our partners have established operation centres around the world. With Security Operation Centres in the USA, Europe, Middle East, Asia and Australia, our systems are monitored 24 hours a day, 7 days a week to ensure clients' enterprises are kept up to date against the very latest internet security threats.


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Want to do something crazy this weekend, but you don't know what's going on? Think date nights, festivals, concerts, pub crawls, sports games and so much more!
Beth has you covered! Pull out your pen and paper, watch the video, laugh a little and put on your party pants.
1 2 3 4 5 6 7 8 9 10 11


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Featured Players
2017 Westchester Champions
Brothers Tony and Stanley Wu are two of our 2017 Westchester Co. Scholastic Chess Champions.
2018 Greenwich Champions
Serena Evans and Miles Gillott, place 1 and 2 in 4th grade at 2018 Greenwich City Scholastic Chess Champions.
Chess Player Jared Schwartz
Chess player Jared Schwartz attributes his proficiency in chess to "intense learning at an early age".
Celebrating Our 2015-16 Champions
Middle School champion Helena Servin-Demarraiswas recognized during our 2015-16 NSCF Grand Prix Awards.
2017 Greenwich Champions
Fierce competition and a fun time at the 2017 Greenwich City Scholastic Chess Championship.
Chess Champ Danielle Sharp
Working towards 2000, the Yorktown High School student sets her goals for chess and for life.


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Siemens TIA Portal Tour
18 September 2018
Join Siemens at this year's TIA Innovation Tour to discover the Siemens Digital Enterprise Suite. This event will showcase their entire Digital Enterprise Suite, and how the TIA Portal plays a key role in supporting digital workflows, integrated engineering and transparent operation.
Event timetable
09:30am Start
10min Welcome & Safety Moment
15min Recap – Digital Enterprise
10min "Our Machine" Today's Theme
10:15am Integrated Engineering
15min Product Innovations – Factory Automation
15min Product Innovations – Control Products
15min Product Innovations – Motion
11:00am Break
11:15am Digital Workflow
20min TIA Selector / EPLAN
20min Kinematics & Robotics
20min Virtual commissioning/training
12:15pm Lunch
1:00pm Transparent Operation
20min Product Innovations – SCADA/MindSphere
20min OEE / Performance Monitor?
20min Energy Suite Reports
2:00pm Break
2:15pm Line integration (Units)
2:30pm Customer Use Case – TIA Implemented
3:15pm Wrap up and Close
Free and all are welcome to attend. Please register on engineersireland.ie.http://www.engineersjournal.ie/2018/09/18/siemens-tia-portal-tour/http://www.engineersjournal.ie/wp-content/uploads/2018/09/workflow.pnghttp://www.engineersjournal.ie/wp-content/uploads/2018/09/workflow-300x300.pngSponsoreddigital


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FILMENTAL Online School will help you to explore the essential elements of filmmaking.
Take a little time to learn the basics of filmmaking. Then you will be provided with a quiz/test to make sure you mastered the given material.
Sign up to form below and get your free password to access the pages.
Film Foundations
Elements of Cinema
- Screenwriting
- Cinematogarphy
- Directing
- Editing
- Producing
- Sound
Process of Filmmaking
- Development
- Pre Production
- Production
- Post Production
- Distribution
- VFX (Visual Effects)
- Guide to Making a Short Film


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Hacking the American Dream
While watching TV the other night, I couldn't help notice a new commercial for Principal Financial Group. It shows a man searching for a home for his aging father, and ultimately deciding to build a backyard cottage for him on his own property. It's incredibly touching, and a very human situation that many of us either have dealt with or will have to deal with at some point in our lives. It's a subtle commentary on so many issues, all in under a minute. It's so subtle that I'd actually forgotten which company was advertising.
That backyard cottage shown in the commercial is an example of what planners wonkily call an ADU, or Accessory Dwelling Unit. The traditional terms you may have heard are carriage house, granny flat, mother-in-law quarters or garage apartment. In the days before zoning (typically before the 1920's), these types of units were naturally-occurring in our cities and towns. Perhaps the apartment was part of a garage, or perhaps its own small outbuilding. They filled a common desire to find additional space for a relative, or create more income for a homeowner through renting to a tenant. As such, ADU's were a common means of using one's own real estate to generate more personal wealth or house extended families.
Today, ADU's are a prime example of what is often called "house hacking." House hacking has become a commonplace tactic within the burgeoning financial independence community, as a way to lower one's housing expense. After all, for most households, housing is the #1 expense. If you care about getting a handle on your finances, starting with the biggest number is a smart approach. Once you look at your housing arrangements differently, you'll find endless variations on house hacking, from duplexes or triplexes to renting rooms out, having an ADU and much more.
In this post, I'd like to share my personal experiences with house hacking (I'd apparently been doing it long before I ever realized it was a hip term), and talk about a specific variation of it tied to the themes of this site. I hope to relate an approach that can dramatically improve your own finances and make your life more flexible and enjoyable.
Buy or rent?
House hacking is essentially a "third way" in the routine, but boring, debate of buying vs renting a home. Our national myth related to the American Dream has become a cartoon that suggests only one path: buying a big, single-family detached house with a 5% (or less) down and a 30-year mortgage. If you care about money at all, this is a lousy idea. The numbers simply don't lie.
You might say, well, owning a home was lucrative for my parents or my grandparents. They might even tell you tales of how they bought a house for $10,000 and sold it 20 years later for $250,000. It's true, some people have done well, and some have been very lucky. But in the real world of cold, hard data, housing has appreciated at exactly the rate of inflation for decades. In some cases, housing hasn't appreciated at all. By any serious financial measure, that's not a good investment.
For a great many people, it's also true that renting is a lousy financial idea. Why is that? Aren't I contradicting myself? The harsh truth is the average household is terrible with money, and buying a home forces at least some amount of savings. I hold no delusions that the average buyer, if convinced instead to rent, would have the discipline to save money and invest it. They wouldn't. Just look around you. Just see people's actual behavior. It doesn't happen. When people talk about choosing to rent instead of choosing to buy, the explicit notion is to save the difference between the cost of renting and the cost of owning, and invest it. If you have discipline and do that, you'll very likely come out ahead over the low-down payment, 30-year mortgage. But if you don't save, you really will be putting yourself in deep financial doo-doo down the line.
Many others have written about this, so I won't go into a deeper analysis. I've linked to several interesting pieces by others at the end. But I will relate one other aspect that many people and sites overlook: it appears very likely that our whole system of housing production and regulation (through zoning) is going to see significant disruption in the coming years. How that will impact traditional measures of appreciation is impossible to say, except that as financial advisors often warn: past performance is not indicative of future results.
I also understand all of the non-financial reasons to own. Personally, at this stage of my life, I like owning. I like to have projects around the house. I like to tinker in the garden. It gives me pleasure, and distracts me from the other, more stressful aspects of life. It's incredibly rewarding for me to build something, to fix something, or to plant something and see it grow. Not all life decisions can be reduced simply to the numbers.
There are certainly other ways to own a home that can make sense. By no means am I saying the way I'm getting to in this piece is the only way. If you can do an all-cash buy, or pay off a house in under five years, it has the potential to be a very good financial decision. The trap that most people fall into very easily, though, is over-improving a home and the ever-present creep of lifestyle inflation. It's SO easy to do that when you own, which is why I think the smartest hedge against that is having income on the property, too. Which leads me to house hacking.
House Hacking ++
I've house hacked three times now, and am looking forward to a fourth attempt in the future. In each case, I've pursued a particular version of house hacking that super-charges the benefits. For readers of this site, it should be no surprise to hear I mean doing it in a place where you can also easily walk, bike, take public transportation and drastically reduce your own transportation expenses. The combination of these two approaches is remarkable.
Transportation is the #2 expense for most households, and that's 100% due to the expense of cars. Cars can be a lot of fun, and I love a good ride or road trip as much as anyone. But they are outrageously expensive as a means for getting us around town for our daily needs. For many households, especially lower-income households, transportation now equals or exceeds the cost of housing. In my opinion, that's insane, and a great failure of policy and design in our country.
In each of the three cases where I've house-hacked, it's been in neighborhoods that I consider car-lite. That is, some things were easy to access without a car, but not everything. As a result, I always owned a car, but I drove it far less than the average American. With the rise of services such as Uber and Lyft in the last few years, the options for people to not own a vehicle have only increased. In fact, when both of those companies came to Savannah, it was a catalyst for us to sell a car and become a one-car family. Even with two kids, it's almost never been an issue to have one vehicle instead of two.
3 House Hack Case Studies
My first house hack was a triplex. Historically it was built as a large, single-family house in a prosperous neighborhood. But like many such houses of its era, it was converted to three apartments during the Depression and WWII. When I purchased it in 1996, it needed quite a bit of work as the basics had been neglected for many years. Everything was dated – electrical systems, plumbing, the roof – you name it. But those factors all worked in my favor. As a triplex, it was outside the norm of what most buyers were seeking. Knowing it needed work also deterred some buyers. All of that combined to keep the value down and affordable for someone like me looking for a non-typical arrangement. House hacking is still a minuscule part of the overall buying market today, so it creates opportunity for those willing to see it. If you start looking for a house hack, also bear in mind that you can purchase up to a 4-unit building with a conventional mortgage, as my friend John Anderson likes to remind people.
I lived in one unit in the triplex, rented out the other two, and gradually improved the house over about a ten-year period. The rent from the other two units paid the entire mortgage, plus a little extra, and I lived rent-free in a comfortable, two-bedroom apartment. It wasn't as large or nice a place as some of my peers, that's true. But having no housing expense made it far easier for me to take the risk at thirty years old of working as a self-employed architect. In fact, that first year was very risky. I barely made enough money to buy groceries. If I'd had rent to pay or a typical mortgage, I would have been forced to give up the dream and go find employment with someone else. Instead, I was able to scrimp and get by, until enough clients came along. After a year, that happened, and I owe it all to the decision to purchase that particular triplex. It allowed me to be patient, and pursue what I really wanted to pursue. Whatever your own dream or field of work is, house hacking can give you more flexibility than either renting or owning a typical single-family house.
House hack #2 happened while living in #1. After about eight years of living in the triplex, I decided I wanted to find an empty lot in a nearby neighborhood and build a new house from scratch. It's a classic architect's dream, or unhealthy delusion depending on your point of view. At first, I intended to build and sell the house as my first development project. Eventually, I decided to sell house #1 and buy house #2.
The new house was a three bedroom, two and a half bath house on its own lot, with a three-car garage and spacious one bedroom apartment above. Truth is, this was not my smartest financial moment. I over-payed by quite a bit for the new home. This was right around 2005, and housing was so hot that almost any decision seemed like it would work out just fine. I fell into that trap. I didn't pay close enough attention to the details. I frankly chose too large of a house for the block and market. But the fact it had income on the property still allowed me some breathing room and options when I purchased it. The garage apartment rented very easily, and it helped offset my otherwise foolish choices.
Today, that same house values at around $350,000.
For my fellow architects, there's no better way to design and build your own house, and come out financially in good shape. In fact, experience tells me it's the only way, since we are all inclined to over-design and over-spend on our own projects.
That's a mortgage somewhere in the ballpark of $2,000 with 10% down, today's rates, insurance and taxes. The apartment rents for about $1,000. Simple math says that someone can own and live in that comfortable three bedroom house for $1,000 per month. The house is a five minute walk from the heart of the neighborhood, which includes a couple of dozen restaurants, bars and shops. It's a ten-minute bike ride from a supermarket, drug store, and dozens and dozens more eating and drinking options. All of that means an easy car-lite lifestyle, which helps dramatically with transportation costs.
By comparison, a similarly-valued single-family house with its mortgage in the suburbs, means an additional $1,000 per month in expense. Since suburban areas almost never allow carriage houses or accessory units, there's no possibility of rental income to offset the mortgage. And, there's very likely nothing to walk to, so that means one car per adult just to go about living your daily life. Factor in another $500 per month for that, conservatively.
Just the housing expense savings of $1,000 per month, over a ten-year period is $120,000. Add in a reduced transportation expense of one less car (assuming two adults), and it's another $60,000 over ten years. Those numbers are simple math, without any compounding. If you are able and disciplined enough to invest that savings of $1,500 combined per month, and it sees an average 7% return over ten years, you've added $259,500 to your net worth. In ten years. Cut out all the lattes you want, but you'll never touch those numbers. Or another way to look at it is, it dramatically raises the bar on what someone can afford on one, modest salary. Which brings me to the final case study.
House hack #3 has been our home in Savannah. My wife and I purchased a two bedroom, two and a half bath townhouse (or rowhouse, depending on your lexicon) with a small courtyard in back. The property is about 100 feet deep, and comes with a two car garage with a small, but very livable one bedroom apartment above. We knew we wanted something like this arrangement, so we sought out a property that interested us, and made an offer for it when it was not on the market. With the help of a realtor acting as our agent, we were able to purchase it this way at a discount to other listed properties in the area. Aside from the house hack itself, this is a good technique for finding something you want. Don't assume a property isn't for sale, just because it doesn't have a sign hanging out front or its listed on the MLS.
With this particular garage apartment, we had the option of typical long-term rentals or vacation rental. For us, the vacation rental idea, while very lucrative in Savannah, seemed like more daily work than we wanted. And, we preferred a more consistent tenant presence since it's our home. Your mileage may vary. Different strokes for different folks, as they say. We ultimately landed on a variation on typical rentals that catered to monthly tenants, with a nicely-furnished unit. Over the course of the three years we've lived here, the rent has covered anywhere from 75-100% of our mortgage.
The upside: beyond just the money, having such a low housing payment gave us much more flexibility when our kids came along. It enabled us to more easily and comfortably choose to have one of us as a stay-at-home parent. Having that option, and being able to act on it, has been beyond wonderful for all of us. If you have kids, you know what I'm talking about. It makes everything in life with small children more manageable. And, ultimately, the same financial freedom enabled us to afford trips like we did this Fall with the whole family.
Take Care of the Big Rocks First
As you think about your own housing options, I'd encourage you to think beyond renting or buying as the only options. Life usually isn't either-or. Like the 90's band Live sang, I wish we could all come to appreciate the beauty of gray. House hacking is a fun term, but it actually represents something that was commonplace for generations. By no means does it mean a downgrade in lifestyle. In fact, when combined with a neighborhood that is walkable or allows a car-lite lifestyle, it often feels incredibly enjoyable and luxurious. The homes I've lived in have all been very comfortable compared to any realistic standard. And, if you're inclined to ever get into real estate development (as taught by people like the Incremental Development Alliance), house hacking is probably the best, first step you can take.
In our case, we feel house hacking takes care of the "big rocks" for us. Other than health care, the rest of our life expenses are ones we can control quite easily. This approach gives us the flexibility to pursue our interests and have plenty of quality family time. We have always and continue to spend too much money on entertainment and travel, but that's a conscious choice we can more easily afford to make because of our choices with the big expenses.
And Here's the Catch
Here's the only real challenge we have to acknowledge. The backyard cottage shown in that Principal commercial, and the homes that I've owned: they're functionally illegal in most neighborhoods in the country. Our zoning laws, largely adopted in the 1920's through the 1960's, were created to build American suburbia. Zoning intentionally outlawed many of these traditional types of housing, or made them very difficult to build new again. That's true often even in older neighborhoods where they have now existed for decades and decades. It shocks and confuses most people when they learn this, and I wish I had better explanations as to why it's the way it is.
Fortunately, some cities are realizing this is a major flaw of today's zoning, and taking steps to make change. Cities such as Fayetteville, Arkansas, Minneapolis, Olympia, Washington and even the whole state of California have passed new measures. That's a great start, and very encouraging. But we have a long way to go. You may have to get creative in your own community to make house hacking work, or simply go find somewhere else where it's easy. Often, it's easiest to buy an existing property that is grandfathered in, like my first house hack.
For my friends in high cost-of-living areas, just a few last words. You likely won't find easy options to house hack in your city. Real estate by now is so inflated in certain markets that this option is very difficult to find. It's entirely possible you'll have to move somewhere else to do this and take full advantage. If you're willing to move, you'll find copious options outside the most popular neighborhoods in the most popular cities. You may even find a place with a lifestyle you enjoy more. There are numerous mid-size and smaller cities in this country (some even gasp! In Flyover country) that also have great coffee shops, farm-to-table restaurants and craft cocktail bars. Many cities have much better salaries relative to total cost of living. Many also have great schools for kids and a more easy-going daily existence. And, you may find somewhere that you're needed more. I'm just saying: don't limit yourself.
The one-two punch of house hacking in a walkable place is obviously something I'm passionate about, and have enjoyed the benefits of for many years. It's hard for me to personally imagine owning in any other scenario, unless I suddenly became flush with millions of dollars. If you have an interest, I'd encourage you to explore your options. Don't be dissuaded no matter your age, stage of life or current financial situation. If you have questions or want some advice from someone like me that's done it a few times, please feel free to drop me a line.
Some other thoughts on home ownership:
Paula Pant: Renting is throwing money away, right?
JL Collins: Why your house is a terrible investment
Mad Fientist: Denouncing the cult of home ownership
Can I Retire Yet: Renting vs buying: the true cost of home ownership
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Jobs market is still rough, but pockets of good news seem to be appearing here and there (yay!!!)
This should be of interest to young (twentysomething) or those interested or open to telecommuting…
Recent grads finding jobs – in their living rooms
NEW YORK (CNNMoney) — Each morning 26-year old Octavia Silva gets up, showers, puts on her business clothes, does her make up, and then starts her workday as an administrative assistant — from a table in her living room.
Silva answers phones and does other tasks for Surprise Industries, a company that plans oddball surprise presents, anything from a DJing class to flight school. She allows herself 30 minutes for lunch and ends her day promptly at 6 p.m.
For those who went through the grind of a MBA program in hopes of being a captain of industry, this article should be uplifting…
2011 MBA Job Outlook Bright
The summer internship hiring season is just beginning at many business schools and already things are looking up for first-year MBA students, according to the latest survey from the MBA Career Services Council. Of the B-school career officers surveyed, 81 percent said they expected internship hiring to improve, up from 60 percent in 2009. The improved economic outlook is also boding well for other key hiring indictors like on-campus recruiting and full-time job postings, according to the survey, conducted this December at 79 public and private business schools worldwide.
Being retired isn't all that it's cracked up to be – or so I've been told. I have a few more years to go. So, for those looking to or want to work a few years, here's an interesting article from SmartMoney:
The Best Part-Time Jobs for Retirees
By now, almost anyone with an IRA has probably considered the prospect of working, at least a little bit, in retirement. But new research shows something surprising: Far more people who are working in retirement are doing so because they want to, not because they need to. For them, there's good news. The pool of part-time, flexible-schedule, professional jobs – precisely the ones that appeal to retirees – is growing.
Some need a job, any job (not a good mindset), some are looking for a change (better, but needs to be fleshed out more), and for those who need fleshing, here's a peek at some of 2011's potentially good industries to get into…
Seven Industries to Watch in 2011
Economists recently said the great recession officially ended in the summer of 2009, but a year and a half later, the job market is still slow to recover. While it may still take a while for employment to reach pre-recession levels, it looks like 2011 will be an improvement over recent years past.
Knowledge is power…
Regardless of where you're at, get where you want to go with…
How Do You Get A Job In 30 Days? Click Here
Send A Guerrilla Resume …Â


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Berit Svendsen ~ Norway
Berit Svendsen is a Norwegian engineer and business executive. As of September 2015, she is vice president of the Telenor Group and head of Telenor Norway.
In 1988, she joined Telenor as a research scientist, attracted by the potential of telecommunications and the internet. She was promoted first to head of department and later to head of division for data services at Telenor Nett. In 1999, she was given special responsibility for Telenor's Fixed-Mobile Convergence project which quickly led to her appointment in 2000 as technology director for all of Telenor's departments, a post she held for the next five years.In 2005, she became vice president and head of Telenor Nordic Fixed.
From 2002 to 2007, Svendsen was a member of the European Commission's ISTAG, an advisory group on information society technologies. In 2008, she spent a short period as CEO of Conax, which at the time was owned by Telenor. She returned to Telenor in September 2011 as executive vice president Telenor Group and CEO of Telenor Norway, a position she continues to hold.
Svendsen also serves on the boards of the banking and financial services group DNB, as well as EMGS, which provides technical support to oil and gas companies.
Berit Svendsen holds an MSc in Electronics from the Norwegian University of Science and Technology (NTNU), and a Master of Technology Management from NTNU and Massachusetts Institute of Technology, USA.


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Summer afternoon, summer afternoon; to me those have always been the two most beautiful words in the English language. –Henry James Enjoying a lovely summer day strolling among the roses in Portland's Rose Garden. Such beautiful sights and smells.
Category: Quotes
Various Inspirational Quotes
World Art Day–4-15-18
"When I say artist I mean the man who is building things – creating molding the earth – whether it be the plains of the west – or the iron ore of Penn. It's all a big game of construction – some with a brush – some with a shovel – some choose a pen."…
Random Acts of Kindness Day 2018
Today is Random Acts of Kindness Day 2018 "Remember there's no such thing as a small act of kindness. Every act creates a ripple with no logical end." –Scott Adams This link gives some suggestions of kind things you could do today, or any day. https://patch.com/us/across-america/random-acts-kindness-day-2018-saturday-10-things-do
The Holly
HOW happy the holly-tree looks, and how strong, Where he stands like a sentinel all the year long. Neither dry summer heat nor cold winter hail Can make that gay warrior tremble or quail. He has beamed all the year, but bright scarlet he'll glow When the ground glitters white with the fresh fallen snow….


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This is the blog of Ian Rosales Casocot. Filipino writer. Sometime academic. Former backpacker. Twink bait. Hamster lover.
Republic of Carnage
Three Horror Stories
For the Way We Live Now
Chapbook, 2018
Bamboo Girls:
Stories and Poems
From a Forgotten Life
Ateneo de Naga University Press, 2018
Don't Tell Anyone:
Literary Smut
With Shakira Andrea Sison
Pride Press / Anvil Publishing, 2017
Cupful of Anger,
Bottle Full of Smoke:
The Stories of
Jose V. Montebon Jr.
Silliman Writers Series, 2017
First Sight of Snow
and Other Stories
Encounters Chapbook Series
Et Al Books, 2014
Celebration: An Anthology to Commemorate the 50th Anniversary of the Silliman University National Writers Workshop
Sands and Coral, 2011-2013
Silliman University, 2013
Handulantaw: Celebrating 50 Years of Culture and the Arts in Silliman
Tao Foundation and Silliman University Cultural Affairs Committee, 2013
Inday Goes About Her Day
Locsin Books, 2012
Beautiful Accidents: Stories
University of the Philippines Press, 2011
Heartbreak & Magic: Stories of Fantasy and Horror
Anvil, 2011
Old Movies and Other Stories
National Commission for Culture
and the Arts, 2006
FutureShock Prose: An Anthology of Young Writers and New Literatures
Sands and Coral, 2003
Nominated for Best Anthology
2004 National Book Awards
Dear Sir,
I'm 15 years old and I read your column weekly. I know you're very knowledgeable about Philippine literature so I thought you the best authority to answer this question:
How come I never see Filipino authors in the Young Adult section of the bookstore -- even Filipino authors who are American citizens, or living in some other country? I've seen very few Filipino authors in other sections of the bookstore, too, aside from the Filipiniana section.
My main concern here is the fact that I haven't encountered many local authors being published by international titles like Scholastic or Harper-Collins (or even not-as-hot publishers like Puffin or Penguin Books). Maybe it's just that I'm ignorant about how publishing really works, but I find it disconcerting that only British or American authors get to share their books with the world. I know our local publishing companies are pretty good, but don't Filipinos want to expand their literary market to other countries? I've always wanted to see a Filipino-written book in someplace like Barnes & Nobles or Borders. Is it that they won't accept manuscripts written by foreign authors, or is it that these foreign authors simply don't try? Or could it be that (gasp) we simply aren't good enough?
Another thing that's been bothering me is the very limited genres that Filipino writers dabble in. I've only recently started liking some Philippine literature (due in great part to the local newspaper writers, and Jessica Zafra), and I've noticed that most books are, well, compilations of some sort. Poetry, or essays, or newspaper articles, or short stories. Aside from the works written by older authors (or those novels penned in Tagalog), I haven't seen too many novels or even chapter books (our children's books are always pretty short). And in the few novels I've seen or heard about, I've noticed that most stories center around the Philippines or Filipinos, and involve rather depressing storylines. This is all right when done in moderation, but practically all local literature I've encountered is like this. I am not exaggerating, because last year for our English class we had to read local novels for our book reports, and all my classmates complained that the stories were too gloomy and complicated. There was always something wrong going on -- adultery, abortion, leaving the country, family complications, hatred, war, death, etc. etc. Also, it's really good to write about one's country, but that shouldn't be the only thing we can write. After all, most of the world cannot relate when we talk about Manila or sisig or basi or carabaos.
I always wonder: Where is the fantasy? The science fiction? The romance (and I don't mean the kind that has a cover ripped off from a print ad)? The drama, suspense, action, horror? Where are all these stories, and how come no Filipinos are writing them? I know Filipinos are talented, and it isn't all that hard to find inspiration. So what's happening?
The thing that really worries me is the future of our local writers. I have dreams of getting a book published someday myself. But is there a chance? Is there a way for aspiring Filipino authors to get published, and to have an audience larger than the limited one that actually goes to the Filipiniana section? It's been bothering me for a long time, and I finally had to ask. I certainly hope I'm not the only one concerned about this.
Your answer would mean a lot to me, and I would definitely appreciate it. Thank you very much.
Milflores Publishing, a small company by industry standards ... has grown phenomenally in five years by taking creative, calculated risks. From our initial four titles in 2000, we now have 58 titles in the bookstores -- a growth rate of 1,450 percent. From sales of 4,260 books in 2000, we expect to sell around 40,000 this year -- a growth rate of close to a thousand percent.
The most important constraint for book publishers at the macro level ... is the widespread poverty in the country... Another important constraint is the mismatch between the books that the best Filipino minds write and the needs and preferences of readers. Most Filipino books are still written in English though most readers prefer books in Filipino. The best Filipino writers still concentrate on writing fiction (novels, short stories, plays) and poetry in English, while nine out of 10 book buyers want information books. Because of class differences in lifestyles and experiences, the content of the best Filipino literature in English is often at odds with what most readers want from fiction, so they turn, instead, to the movies, telenovelas, and romance novels... The small, but affluent, A and B market is fluent in English and should be the natural market for Filipino literature in English by the best writers. Unfortunately, this segment is also highly Westernized and prefers books by foreign authors. Some of them are even unaware that there is now a fairly large body of work by Filipino authors in English....
In more practical terms, Milflores engaged several dozens of the best, award-winning writers to contribute to humorous anthologies on popular topics like shopping malls, insomnia, beauty pageants, being a Noranian, etc. We also published collections of humorous essays by good writers on migration to America, pregnancy, the single life for women, the gay world, etc. We only focused on the popularity of the topic of the books -- we never told our writers what to write and never asked them to simplify anything for the mass market. In fact, we always selected manuscripts where the writer poured everything he/she had into it, for we believe that books with great passion are the best ones, or to paraphrase Simone de Beauvoir, 'In some sense, every good book is a cry for help.'"
Labels: philippine literature, writing


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The Gunners are in fine form in front of their home fans and beat Jose Mourinho's men at the Emirates last season.
Arsenal thrashed Huddersfield 5-0 last night, extending their winning run on their own patch to 12 games.
But despite their imposing record, Wenger isn't expecting bitter rival Mourinho to shut up shop and be content to play for a point.
Asked if he thinks the visitors will 'park the bus', he said: "No, I don't expect anything special.
"I just expect us to be ready to recover now. Man United is a strong team and I expect us just to cope with the problems they will give us. They will attack as well. They will not only defend.
"It is a game between Arsenal and Man United at home. I just want to focus and to prepare well my team, and give my team a good chance to win the game.
"Man United is doing well at the moment, we are doing well at the moment, so it looks to be a promising game."
Wenger expects to have Alexis Sanchez fit to play United.
The Chilean limped off last night with a hamstring problem.
But the Gunners boss is remaining upbeat.
"Sanchez had a little hamstring problem - that's why I took him off but I think he will be alright," Wenger said.


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Goderich Place Amenities
Whether relaxing in our fireside lounge; enjoying delicious, nutritious meals in our exceptional dining room; or taking in the beautifully landscaped outdoor spaces with gazebos, vegetable and flower gardens, you will feel right at home.
Our newly-renovated main floor features activity and entertainment rooms, a whirlpool bath, library, computer room and hair salon.
Enjoy the convenience of our regularly scheduled Goderich Place van service to local shops and community events. When you return from your excursion, underground parking elevators take you directly to your floor!
Book Your Personal Tour Today!
We want you to experience everything that Goderich Place has to offer! Fill out the form below to request your personal guided tour of our wonderful facility.


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- If you have any questions please place them at the comments below.
You really gotta learn to crop your thumbnails to 330x330 and maintain the aspect ratio.
Do you will update the Workshop versions pls?
@DarknessRingo what is wrong with it? if there is an issue, i do not know it please do inform me.
Do you happen to have any of Ana's models? Like her classic skins or epic skins?
I'm Commander Shepard, and this is my favorite model on SFMLab.
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ink, pastel & acrylic on yupo. January-May 2015. Reproductions available in various sizes- please reach out directly if interested.
Titles from left to right, top to bottom: Cowrie, Broken, Vestibulitis, Trapped, Memories, Roots, Blood Pain, Hand, Mapping, Shared Tears
{artist statement}
Sexual violence is often perceived as a "Women's Issue," as if it were something gender specific and easily corralled into one type of lived experience. Instead, it really is a societal issue - everyone's issue - and is certainly not limited to one gender expression.
Within the text of the vagina dentata myth, present in many cultures dating back to ancient times, the vagina is first pathologised as an intensely dangerous space, due to the presence of teeth, and then subjugated to torturous extraction of those teeth through either phallically induced destruction or plier based ripping out. I see this myth, in all of its forms, as an attempt to justify the violent oppression of women.
Through taking away the female body's power, by ripping out its teeth, there is an excuse to treat the remaining woman as weak. It is my aim in this work to add to the conversation questioning expectations of women's sexual behavior in society, especially in terms of combatting the acceptance of abuse as normative.
Personal memories of violence are hugely motivational in the work and are buttressed by anecdotal disclosures from both close friends and strangers who have shared stories of their trauma with me. Issues of representation in medical literature and practice are brought up in the context of knowledge control and distribution. There is often a confrontational line between the medically relevant and the culturally taboo that directly affects women's health choices and experiences. This manifestation of oppression is reducible to the restrictive cultural attitude that continues to prevail.
Reincorporating teeth into the female genitalia is a way of representing the reclamation of offensive, defensive, and expressive potential that the mythical ripping and knocking out had erased. Each of the ten drawings in the Vagina Dentata Series includes lyrical lines of feeling. Many are hard and painful, but others are seeking a more correct path, a healed future. My hope for this work is that it begins conversations that are long overdue, and stands in solidarity with those who sexual violence has affected.
Senior Capstone written about this work: click to download the 20 page paper


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The Illustrated Man
Hard Cover. Garden City, New York: Doubleday and Company, 1951. First Edition. Near Fine / Dust Jacket Included.
First edition. Inscribed by Bradbury to book collector Stanley Simon on front free endpaper: "For / Stanley Simon! / [rule] / Good Wishes! / Ray Bradbury / Oct. 8, 1982". Publisher's beige cloth, lettered in brown to spine; in the original red pictorial dust jacket designed by Sydney Butchkes with a rough silhouette of a human figure in yellow, decorated with small designs in black, lettered in black and white. A near fine copy with a touch of wear to spine ends; in a very good dust jacket with toning to spine and rear panel, a few nicks to spine ends and corners, light wear to bottom edge. Overall, an attractive copy, inscribed by the author. The Illustrated Man is a collection of science-fiction short stories that includes "Kaleidoscope, " "The Rocket Man," "The Fire Balloons," "No Particular Night or Morning," and "The Concrete Mixer," among others. The seemingly unrelated stories share a unifying framing narrative - namely, the story of the illustrated man, who was so covered in artistic tattoos that "he looked like a man who had fallen into a twenty-color print press and been squeezed out, all bright and picturesque." In addition to showing the future, his tattoos move to tell the stories that are then "retold" in this volume.
Item #RBB011
Price: $2,250.00


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Build-your-own Ramen
My kids love it anytime I do a "build-your-own" because it means they control how many vegetables and how much meat goes on their plate. It also means that if cheese is involved, it will all be devoured.
Last night my first born said, "I want junk food tonight - I don't feel like having anything healthy." They he asked if they could have Top Ramen. Of course I took a little insult to that and made it a challenge. I said I would make them ramen and they'd love it. And they did.
To be on the up-and-up, I did use the packaged ramen noodles most of us starving college students lived on, but just the noodles, not the seasoning package. I'm not going to give you a recipe for this, it's really quite that simple, but I will tell you what I did.
I brought a pot of stock (I used chicken flavored Better Than Bullion) to a boil. While that was getting hot and steamy, I chopped some veggies real quick - whatever I found in the fridge that made sense...in this case, green beans (haricot vert - thin French green beans), bell peppers from our garden, some chopped garlic, and mushrooms. I heated a pan with a couple tablespoons of sesame oil and tossed all those vegetables in. In this case, I didn't even season the veggies since there was so much in the stock and I still wanted a fresh taste.
I cooked those vegetables for a few minutes just to get some color on them, but still crisp. The broth is boiling by this point, so I tossed all those noodles into that hot, steamy, chicken broth bath and let them start to soften up.
In the meantime, I chopped some green onion, cleaned the basil from the garden, thinly sliced up the bar-b-que'd chicken I made the night before, and pulled out some spinach and eggs. Everything got put into their own bowls and set on the counter. When the noodles were ready, I served them up in bowls and let each person take it from there. And because each one made it how they liked it, they all loved it.


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A castle mesh modelled, UV mapped and textured in Blender.
I used the glTF exporter to bring the mesh into three.js and onto the web page. The glTF Loader which bundles with three.js passes in all the scene data which allows for easy manipulation and rotation of all models and cameras.
See the Pen glTF Castle. Blender -&rt; three.js by Octavector (@Octavector) on CodePen.


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Happy New Year from WordPress.com!
Each rocket represents a post published on this blog in 2012. And because we like to share, we made the fireworks available as a jQuery plugin on GitHub.
Some browsers are better suited for this kind of animation. In our tests, Safari and Chrome worked best. Your overall score is not known (details).
We made beautiful, animated fireworks to celebrate your blogging! Unfortunately this browser lacks the capability. We made a slide show to fill in but we hope you will come back to this page with an HTML5 browser. In our tests, Safari or Chrome worked best.
To kick off the new year, we'd like to share with you data on 1read's Weblog's activity in 2012. You may start scrolling!
The new Boeing 787 Dreamliner can carry about 250 passengers. This blog was viewed about 1,100 times in 2012. If it were a Dreamliner, it would take about 4 trips to carry that many people.
In 2012, there were 2 new posts, growing the total archive of this blog to 5 posts.
The busiest day of the year was July 20th with 16 views. The most popular post that day was THE WORLD today! .
These are the posts that got the most views on 1read's Weblog in 2012.
The top referring sites in 2012 were:
Some visitors came searching, mostly for "dagong" credit, yemen economic stabilization act of 2012, and bofa merrill lynch emu direct governments.
The most commented on post in 2012 was THE WORLD today!
This was the most active commenter on this blog:
Thanks for flying with WordPress.com in 2012. We look forward to serving you again in 2013! Happy New Year!
1read's Weblog
2013 is going to be even better on WordPress.com…


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THE SUN CAME OUT. Genuinely terrifying to think it's been 4 months since I last updated this 'website' but I guess that's reflective of how borderline irrelevant websites are in the social media age. If you were my REAL friend you'd be keeping up with my Kardashianing on Instagram and YouTube and even FB or Twitter. Or if you're wonderfully misguided, Vero.
Let's take it back to the concrete streets
Grab your popcorn, your box of fruit gums (or milk duds if you're overseas) and grab the best seat in the house. By the time you've done this you will have missed my 6-minute film, but thanks to the beauty of the internet you can just start it again.
Should old acquaintance be forgot and something something something...
Well shiver me timbers it's a new year already and what treasures lie within just one week into this new adventure on the high seas? Well, for one, I appear to have become a pirate so that's something to keep an eye on. Fingers crossed it's more loveable Jack Sparrow than I AM YOUR CAPTAIN NOW but I guess we'll see as the year sails on....
I Gave You My Heart...
Well the snow is on the ground (location dependent) and the jesus is about to pop out of Mary's magic hooha (religion dependent) so for the love of [insert fave deity] put your feet up and enjoy your well earned rest. While consuming diabetes-inducing levels of confectionary and The Things I Have Made To Entertain You That Do Technically Count As Gifts Because Although Artistically Satisfying Do Not Pay Well So I Can't Afford To Get You Anything Else.
Keep Watching The Films
Anyone who knew me at university could tell by the posters of Reservoir Dogs and John Woo's The Killer on my wall that I was a) into movies and b) really super cool. Probably intimidatingly so. I assume that's why no girls ever came back to my room. But that didn't bother me, I was in there happily reading Cahiers du cinéma*.
Hashtag content
My posts are like buses. Mainly enjoyed by old folks.
I'm The Worst
I Shot A Prince
Fingers crossed I don't accidentally start a chain of events that leads to a world war, but last week I shot a bunch of fun stuff with comedian, chum and part-time Actual Turkish Prince Naz Osmanoglu.
That's a rap
Behind The Music
Now that the dust has settled on the global internet-smashing sensation that was 'Simon & Simon's Guides...', I can answer the most pertinent questions that went into making the swansong episode.


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We want to make our website more user-friendly and continuously improve it. If you continue to use the website, you agree to the use of cookies.For more information, please refer to our Cookie Statement.
Who says that birthday greetings always have to be dry and serious? We thought up this surprise video on 7 March 2016 for our fellow car maker and favourite competitor, BMW. After all, competition is a motivator, and rivalry is good for business on social media, too. And our fans apparently also enjoy vying with one another. The birthday serenade earned 7,621 comments, making it the clear number one on the @mercedesbenz Instagram channel.


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Geneve, Switzerland
23, Rue du Rhône, 1204,
Tel. : +41 (0) 22 810 20 20
Set with marquise shape, pear shape and round diamonds. Mounted in pink gold.
A Jahan Consultant will call you during the opening hours of the Boutique you selected. If you prefer that we contact you outside of our opening hours, please mention your preferred time of contact in the Comments box and we will do our best


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Page Tour NAUGATUCK DAILY NEWS TUESDAY, SEPTEMBER 19, 1944 Published Every Evening (Except Sunday) by THE NAUGATUCK NEWS CORPORATION NAUGATUCK, CONNECTICUT Tvlvphunt* 2228 mid 2238—All DupurtnicntM Entered tui Hucond. cUiss mattnr ut the poat office In Naucutuck, Conn. SUBSCRIPTION RATES Payable in Advance 1 month $.75 0 months $-1.00 3 month* J2.25 1 yctir Thu United Press has the cxclusivu right to use for rcpubllcation In any form, all news dispatches credited to thly paper. It In also exclusively entitled to use for rcpubllcation all the local and undated news published herein. TO TliK FLAG—"I |>kdff<! nllf- to till! J-'lttjf 'of tht) United St:it<->t ol .Aincrlni tind to tho JU'|'»l>lic fur which It •ktuiiUft. One nullon Indivisible, with L,ll>crlj mid Jiwtleu fur all." 19-H A LESSON PROM THE HURRICANE Many who .had to illuiniiiai.e-the.il' hurnes u'ilh c-andlf liylit .last week \vliou tin; cIi.'d ric power \viis oft', because ol' the Imn'icane, i'ouncl It to lie an unpleasant ctliaiiye iYuin the condition* to which tliey were ac-ciistomecl. As they sat around HI the tli'in and i'liekvrinj;' liiflit without even the enjoy- iiH'iit of tlieir radios (silent L'or the same j-fiison), they more than unco voiced their displeasure at beiiii;- deprived oL' eleetrie lights, radios and other eon- von it'll cos \vhieii add to the joy of living. Tlio deprivations and discomforts they were forced to endure undouhledly made them inore appreciative of these desir- rib It; I'eaturcs of a modern homo. However, so .far as silence of the radios was concerned, no small number probably breathed numerous siyhs of the relief they felt at being 1 temporarily free from noisy announcers, il crazy" programs and other features to which they so often have had to listen, but \vhieh to others in (he family nnd, perhaps, tin; family next, door, were the finest programs on the air. To a grent many persons one of the most, regrettable losses was the destruction of their shade and fruit trees, which had contributed much to the'u- comfort and happiness over a long period of years. These trees, unfortunately, cannot be replaced with thu same speed witii which electric power can be restored. As the late Joyce Kilmer said in his beautiful poem, "Trees 1 '—''only God can make a tree." And it takes a good many years to reach that stage when they can form a veritable shade canopy. The hurricane brought us one serious thought which is likely to remain with, us for a long time, naim-ly, that mankind of ' itself is absolutely helpless against Nature's elements which come from a source that is beyond all hurruni control—a fact which should make mortal man most humble as he i-e.'ilixos his dependence upon the Creator of th'e universe. That is the great and impressive lesson the hurricane has taught us. DO YOU REMEMBER? From The Files Of The News 20 Years Ago Among Iho drummers In the Nougntuck Grammar school Fife and Drum corps were Edward Cowles, Milton Dahlin, Joshua Fairbanks, Daniel Monahan, Edward Hotchkiss, John O'Connor, Frank Squires, George Wells and Starcia Tamasauskas. Among those attending a party for .Air. and Mrs. Justin McDonnell in Muple hall in Bethany were Mildred Jones. Katherine C.'irrick, Edna Woodbridge, Charlcls Fellows, Gladys Hubbell, Patrick Hradyhaw, Robert Mclviernah, Helen Kelson, and Clifford Sanders, o—O—o 30 Years Ago C. W. Munson, William Gallagher, George T. Clark, M. H. Titley, W. IB. Hopwood, and John Gallagher wero named candidates for the town olelctions of Beacon Falls ut the Republican party caucus. o—O—o Mrs. Mary Donahue, Mrs, Annie Weaving, Mamie Nash, Mrs, Mary Reilly, Mrs. Catherine' Nixon, Bridget /Joyce, and Mrs. Mary Hurley wore delegates attending a New Haven county convention of the A. O. H. auxiliary in Derby. "MURDER, INC n Around the Clock Pupils in Miss Louise Orainyer's ling lish classes yvt. a c.hancu every now I.hull to write a letl.ur to a relative 1 in serviei 1 . We t.hiiik il. is a j^'ood idea, .sint'e our riii'litintr IIKMI ir,cl letlors that t'iu.-y otliei'U'fse iniyht. ti"L rccuivu. Miss Orain- <£0r siisptinds lessens in .l''i:,u'lisli to allow the k'Uor\vritii!tr The Jri.tr.li sc.iiool t'oothall s'"[iiad made a trip to An- smii.'i Sal'iii'ii.'iy [<i seoiil, L.'ivoiKk'i 1 in iho opi-iiinii 1 yame with Slu:l(.on. Gnai'd .Hud Sl.oiI>t.'r hopes to lose ;li>o;j before 1 tlio season is uii!;. .1:1 pounds last year Mo Naiii;':itnck (.'mmmmiiy li;i lliomsi.-lvos at. an oiitiirs.; at .R:iyi kwicli'is farm yesten'hiy. Aluuit ~U miisic-ians attended. Seventi'i'ii hand inenihei's, inci- dentidlv, are in the service. 50 puiiin'ls ivaiiiuti -1.0 hers of i he i iT^^^'^'r ^\S'|Sv ^ ; . rfllilX WALTER WINCHELL Coast-to-Goast Trade Mark Registered. Copyright, J.344. Daily Mirror MAN I'1-AYING THK TYI'EWKITEIl • FDR's desk has 4 new miniatures of his sons in uniform. . .The hurricane damage at Fire island was to the home of The New Yorker's drama, critic. . .Brig. Gen. Win. O'Dwyor returns to Rome and will not don ciwios as his political opponents roared..-. Because ,i.hc Boston censor has been too fussy this season many of th« Broadway showmen will switch their out-of-town premieres to Philly. . .Warrn.ni Ofliccr Ray. Tweed (who hid from the Japs on Guam for 31 months) spellbound Dorothy LjuVur and others with his 1 exciting tale,..The While House (or State Dcp'l) is expected to reveal more Jap .atrocities soon. ..Russia is not the stumbling block at Dumbarton Onks as was expected. Russia and Pol.ind arc ready to agree on boundaries... As Maine goes—so goes Mrs. Jim Parley. Under .the Windows".. . Th only Here are several new addresses: A-C Harris Whittemore, III, Foster Field, Victoria, Texas. ..... Pfc. Michael Pisani, U. S. M, C., Hq. Co., 1st Field Depot, c-o Fleet Post Office, San Francisco, Cal MM 1-c John W, Maye, U. S. S. LaPrade, c-o Fleet Post Office, San Francisco, Cal Hitchhiking- from Ansonia after seeing- the Lavender shellack Shelton, Jack Stinson, and Fred Lawtcn were picked up by Gov. Raymond E. Baldwin,' so .they say' Stanley Gesseck of Diamond street, is quite a mechanic and electrician we hear. He fixes flashlights in his spare time. "YOUR MIND AND BODY" THE NEWSPAPERS haven't been told the whole story of the Ll. Gen. Holland Smith-Maj. Gen. Ralph Smith matter at Sainan. The Marine Corps sat on the story to spare the feelings "of kin. An unhappy lowdown. . .West Point m;i.y be opened to youths from Latin America. Argentina appcasfjrs prob'ly will demand Argentineans be welcome there, too. since Annapolis trained some oilicers of the Jap navy!. . .Somo of the cast of a new .show (ploying out of town) have quit because the script is offensive to wives of navy men... Only the French journalists who were collaborationists nnd noi the French newspapers will be«purg:ed .The 7Jaronts of an aspirant to lit", operatic stage are s.-jid to have pin up S)2fj.OOO to expedite matters ..The real reason two of the city's host known pl.-vyboros arc not in khaki: Their IQs are too low. Dittmar's Peace Feeler Seen . Followed By Others Jap Plans Now Improved. But Pilots Second Rate .Special In Central i'rrss 1J.V I,OGAN M. Psychosomatic .Medicine "PHONY WAR" "\Vhat prop'aet in liis wildest moments would have "dared to predict that, the j\ineri«ui army would sweep through Argouno Forest \vitli resisiancc froni but one f.iermau pocket? A. .1']. F. veterans, recalling the grim .struggles for .K'omagne, Forges, Grand l.'re, .Ijii/.ancy, and so on, may say as they .read thu news, "AVimt kind of war is this anyway;"-' In the winter of 3!).'.W-40 many people, more distinguished for their brashnoss than for their knowledge, could not understand why there was no fighting, and called it a ''phony war." .Rock-ribbed Naxis, now seeing tlieir army giving up stronghold after strong-hold without a struggle, must wonder if their army is J'ighting a make-believe war. The harassed German soldiers would tell them differently. This is a new kind of war, but very far from phony. POLAND AND THE PEACE The paper scrap drive will get. under way early Monday morning, with trucks- and men of the street department d"ing the work. J.lave you been setting aside your magaxines, newspapers and cardboard? '! '! Jack T.hnrston spent the weekend down in New York-, visiting relatives Helen Gesseck, who has taken to knitting in a great big way, lias a tough time convincing friends thai; all those beautiful shawls ore her .handiwork Clarence "The Charmer" Hnigh is waiting patiently for'the World Series io start. He wants to ,go out to St. Louis to see the Browns trim the Cards in four games out of six. He wtmts to g", hut we iiin't savin' he is. The Poles, too, nrc doin^' f.lieir part in France. Given proper equipment, Pulisli forces have lived up to tlieir fine mili- tary'record of former centuries, nnd huy,c shown themselves more than a match for the Germans. This Polish participation in the "war 7iot merely yivos tliem a chance to ji'ct even with the Naxis. II. is of direct hone- fit to Poland. The coming peace conference is likely to pay the most heed -to those countries which have contributed most to the victorv. According to an item in the Chase News, the game of bocci was brought over to the New World by the Dutch settlers many, many years ago. The game in the U. S,, considered Italian, is played the world over. In England it's bowls— which Sir Francis Drake, the English admiral who defeated the Spanish armada, was playing it when news that, .the armada was approaching was announced,— and in the U. S. it is known as lawn bowling. In Scotland it's curling, only the Scots use brooms, ice, and discs instead Zeke Monahan made a wonderful catch at a ball game at Linden park Friday night, and in so doing cut off at least two runs' that might have been scored otherwise. The speed of the Nazi retreat almost suggests that the eastward-moving Yanks may soon join forces with the wostward- moviay Knssians. Unfortunately it won't be so easy as that. The Nazis still have- a sting loft, and will make it felt. It's mostly the 'strong- abused in public office. men who a?'c PSYCHOSOMATIC medicine, us we pointed out yesterday is. a field of practice which has lately received, a. great deal of attention from I'hi.' leaders uf the medical profession. The word psychosomatic is derived from the Greek roots—psy&h, meaning' the spii^- itual parts of n. ,1111111, the mind and the soul, and sotna, meaning the physical parts,( the body. Its fundamental concept is that jt is just as important to know what kind of a mnn the disease has as what kind of a disease the man has. Just as in noriruil living psyche and soma are biologically one, there is no division between thorn, so are they in the development of most chronic disease conditions. In treating them we cannot affords to concentrate on the physical state alone. "In any problem involving a sick person." said a wise old physician of. former tinics, "there arc two elements. One is the disease itself • tihd the other is what the patient thinks of the disease. The physician can always to a certain extent control the latter, even if ho can't make much change in the physical condition." Wide Application To show how wide are th'c applications of this branch of medicine I review some of the articles in a recent symposium. 1. Circulatory disorders. Remembering Fran/ Alexander's dictum that psychosomatic symptoms are not symbols of emotions, as so many neurotic symptoms arc, they do not express an en-.otfun, but are the physiological a.ccompani- ments of an emotion, it is easy to understand out of everyone's experience how the heart and blood vessels arc affected by the psyche. Blushing, pounding of the heart, fast pulse arc all physiological accompaniments of psychic states'. Translate these into hot flashes I and palpitation and you have the | functional disease equivalent of a psychosomatic state. Blood pressure is an ideal example of a condition where there are both physical and spiritual sides to the problem. Co 1m people are not likely to have high blood pressure: I do r.ot believe this is cause and effect, but that both arise from a basic personality pattern. The high blood pressure people arc those with the driving force and energy. To calm them down is io improve their state. 2. Digestive disorders. Just as in the circulatory f.eld there are high pressure and' low pressure groups, so in the realm of digestive disorders we find whole blocs o fsluggish and other blocs .of over-responsive persons. They arc both expressions again of funda-' mental personality patterns. The extreme examples in both groups WASHINTGON—Lt. Gen. Kurt Dittmar's intimation that Germany will accept compromise peace terms are expected to. be followed by other peace feelers as Ihc Allied soldiers start .breathing hotter '(!o\vn Hitler's neck. ' But, like til* German propagandist's left-handed request for a compromise, all Xaxi peace feelers will be rejected v.niil the Germans accept unconditional surrender. The position 01 the Allies was made clear.to Germany by Secretary of Suite Cordell Hull who said the Naxis must give in completely. He was bricked up by both.Demo- crats .i.'id .Republicans in Congress on this issue. Olllcials in Washington not given to rash predictions noWe.xpect Germany '.o collapse wj'Jiin the r.ext | 90 days if not sooner. They believe, j however, that the German fold-up I will come through decisive defeat on the battlefield—not through surrender of the country. business basis, free of dilettantism, poi-U barrrli.sm novel experimentation and vote-cnt icing "spending sprees. This, business leaders declare, will mean that the federal budget will have to become absolutely bnsinoss-iikc \vithin the narrowest limits that po.st-wnr condi;ions will permit. A budget of from 23 to 25 billions is realistically anticipated. This will preclude, they say, hog- wild extravagance on Vv'PA-ism and grants to war workers and veterans. REMARKABLE ALLIED MILITARY PKOGRESS.^has relieved American business leaders who hriye been viewing the unprecedented cost of modern war with consider?)bio concern. They say that the estimated cost of the war will enable a free enterprise economy to pick up. and carry on—provided that taxes and expenditures of the government arc plar.cd on a sound economic and arc Constipated.-They cruet. "Oh! p.'irdon me," is ofter. on their lips. They drink beer. The ovnr-rosponsivo ones have heartburn and good appetites. In fact they have hunger pains. Their intestines arc forever rejecting waste. "Tact's go to a night club" is too often on their lips. They drink anything, but secretly prefer soda water. Nearly all forms of colitis belong In the psychosomatic group. Among the riticer things that the new specialty has dug up is that a tendency to colds, proneness, to accidents, stuttering and nllerfry tend to occur in personality pattern groups. QUESTIONS AND ANSWERS ALTHOUGH JAPAN HAS BEEN IMPROVING her fighting planes for the all-out aerial battle for the Philippines, China and the Japanese homeland there is no indication UH she has improved the quality of her fiyors. Xavy Secretary James Forrcst.il 'told newsmen recently that our naval aviators face tough yoir.g because Japan has been able to add speed, maneuverability and fire power ;o carrier and land based planes. Earlier in the war, however. Japan had both numerical superiority and speedier planes than American pilots. Despite this advantage ih Japanese wore outwitted and outfought everywhere by well-trained, smart. American pilots. Tho biggest handicap of i.he Japanese hiurh command is that Nip- ponrse youths are less mechanically-minded than American boys. United Stales flyers arc also given better basic schooling and training when they are aro accepted for pilot candidates. Most American flyers who have fought, the Japs believe that Jap pilu'ts aro "brave but stupid." OF THE 37-1 Germnn aliens indie: ed Inst week f.iftor •! years of G-manningJ 72 were previously arrested by the FBI and are now interned. Others indicted had been collared by the FBI but they were released or paroled by the Enemy Alien unit of the Dept. of Justice. Hmf ..The local OP-A ollicc may be confronted by a Federal probe ovor alleged 'high-handed methods' with legitimate business men, some of whom have cannriod. . 1 . \Tce-Pres. candidate Brickcr .is furious over ex-Cong. M a r t i ;i Sweeney's plan to organize a group of Democrats for the Republic.in.s-. Sweeney is an Ohio America Firsl- er, recently -whipped again at the polls...While his opponents are m.-ikiivs; speeches, Roosevelt is making history. outsider invited to the wedding "; thr; John J. Aslors wo«t Patrids Hur.sl, who introduced th.>m Schr.-xfft's has queried stockholil ors about ils postwar plan to nerv, dinners right Jr> your home., R fore J?«arl Harbor there were 2;jjJ Ja.p oganij-.aiionH in the U. S,- Thi> G-.Men -have whittled them down to 2. WHEN THE ENTIRE STAFF of :x music m.-igazinc r<:si%n<;A In a body la-si weok, th'; publisher sat at hi« desk and wept rial floods... Lt. Buddy Cl.-irko, after a two-year hitch with the Merchant Marine, is home reorganizing hit band...The December Eook-oJ. the-Month selection will be "Children of Wrath," .1'novel by Glen- .vay Wcscott (Harper). . .Stanley Mclba, the Piorrc orchestra, pilot, ind one of his crew had it out on he bandstand until the gondarmts interrupted. . .Conovcr, tn<s ir.ocltl- maker, is readying .-•.' drcamboat named ifi7drr»d Brown, Jio threatens she will makf; tho nih«r daxxlers fnde into iho brick . .. Rubinoff's wire: "1. hope it's girl, because if it's a boy whtrc arc wn going to find .1 i-abbi in Wichita Falls?" LOUJS J3P.OMFIEI.D. the novelist. in Reader's Digest .ind elsewhere came out against convtn- tionril methods of plowing ihe land .•UK! in f:ivor of, .1 new scheme of ciiliivaiion. So. tbo Rural N*w Yorker m.igazine tried it. quietly and reports L"uis is wrong about that, too ..In short, Eromfield's rep as a fiction writer is 100 per cent •ntnct ..Baron I^oais Augusi Karl Dethard Kurt Wolf Von MatUii«s- ^eji (fmplfjyed by M^rch of Time as a film cuiierHold. friends he tor- gut *o resign from the Nazi party after he entered th.; U. S. Th* Von is among he 174 Germans just in- dici^d by ihe Feds ..Tn 'he Fader- land, according toMr. Whiskers. hV was assigned thr? job of collectins dues from udder poddy membahs .Overheard: "They,arc trying to make a mountain out of a Killman.'". .Poetic Justice: Tho Nazi; are winding up in the gutters they once forced innocent old men to scrub . .Se.'i.-jto!- I_'ingpr put h« arms around some of the defendants in the sedition trial (althousfc .^c said ho didn't know themi .ind demanded Mr. Biddle dismiss them! If the data, on them .ill in"S!ack Mail" is confirmed by ihe jury. Senator Longer may consider his head 'shaved. An estimated 40 per cent of all alcoholic bevcr.age sales arc to holels and restaurants. W. A. S.: I have some sugar in the urini; and h.-.ivo bcnn advised to eliminate all starches from, my diet. Will you give me a list of foods to avoid? A.: You do not need to eliminate nil starches from the diet. It depends on how much sugar you have in your urine and how much carbohydrate you can ujtilxc. In general you can cat meat, eggs, choose, greer. vegetables, some fruits.. gelatin desserts, tea or coffee without sugar. You should j " avoid concentrated sugars and starches like granulated sugar, bread, cakes, ice cream, pies, potatoes, and very sweet Trulls. GOV. THOMAS E, DEWEY'S CAMPAIGN PLANS call for a thorough lambasting of Sen. Harry S. Truman'}; record as a part of the Pendergast machine. There is a general feeling in party councils Hint blows .-it Truman will come in retaliation for Democratic tactics in smearing the Republicans as "pre-war isolationists," however. As soon as_ the cries Of "isolationism" and "vested interests' become loud enough the Republicans will let go. They may do so before then. In any case inside reports indicate the Truman ice will be broken by Dewey's running-ma.tc, Gov. John W. Bricker of Ohio. At best Truman will bo depicted as the "creature" of a corrupt machine. There will bo no attempt to link him with the deals of the big- boss Cr'om Kansas City. MRS. HORACE Dodge (Mickey Devine, formerly of the beauty pr.- rados in the shows) now- has a bodyguard since the divorce settlement of a million smackers ..A "salon," which thrived in Paris with the support of -.he J:Uorn:i- lionol Set. :s flourishing in Kcv-' York's plush sector — "Dickcnson Follies 1 ' ..A similar club in London called "The Zebras' is causing comment here. Membership "rjual"- ncations" are not the size of n man's bankroll. .Georgia Gibbs has won the prize plum among gal singers. Only thrush who will warble at the annual songvriter- publishcrs coast affair on ihe 20th .Not ,1 line in ihc papers .abou the recent suicide of a wealth Westerner at one of the midtow hotels. Such hushing-upping: are doomed to go through life trying cither" to hitch up or calm down their alimentary canals. G-astrologists', g a s t r o - cnterolo- gists, hetilth resorts, surgeons, and', pharmacists give them washings,' oundings, cuttings, pepsin, soda and piils each according to his. light. Sluggish Individuals . The sluggish ones arc not much' interested in cooking or the pleasures of the table. For them the dinner bell Lolls not rings. They I 1 .' L'.' R. :— -Would you tell mn why friendship bracelets tarnish so easily on me? They are sterling silver. My friends who have bracelets like mine do not have that trauble. Is it because I have' ton •much acid' in my system? Answer: When the perspiration contains sulphur in excess it forms a sulphur compound with si'.ve-.- which causes the tarnishing. When a 'doctor gives a patient a incdicino containing sulphur in the .veins, any. silver ornament the patient ir wearing tarnishes. >. - ick'el ornaments tarnish from chlorides in the perspiration. Electronic tubes now dry the ue used in plywood, under pressure, in about two or Ihree minutes. Prior lo that pioccss, the drying took several hours. THE LONDON MAIL will pub lish American comic strips aftc the war .Walter Duranty. lh( correspondent, is bound here wit) a now novel...The most surprises doll in town Cai ihe news of ni 1 admirer's sudden merger with an other) was the girl who had just received a ten-karat diamond ri from him ...Margaret Connors running againsi Clare Luce il Conn, for Congress, was not an FBI agent, as crratnmed. She was special attorney (at SI a year) H the Dcpt. of Justice. .New York n the middle 1 of the night: A Van- derbili hotel ass't mgr. irked by a drunk's insults 10 his l.-idy companion, was arrested by ihe drunk at .1:30 yesterday ayem. Both were locked up in iho'13. nnst St. Station House. The lady kopi calling ihc desk lieutenant "judge." She wound up phoning her hus- oand for ,<300 to bail out her defender. U. S. SENATOR BOB WAGNER will reply to Winthrop Aldrich's speech (on ihe postwar financial schemes) tomorrow night via the Blue, J-Ic will allege that "World War 3 will result," etc...The Copacabana's new revue stan-ing Joe E. Lewis is the talk of the town. . The Zanzibar show did S275 000 with its Cnh Cnllowny troupe .a record in night spot history Margaret 'Carson will head" ihc Melopcra's press siaff. ... S o a :i O'Casey's third volume of his auto- biog will be christened: "Drums MURPHY'S YARD GOODS 25c to $1.29 Mako longer - wcor- ing, boitor - looking C I o t h c i irvm th il bright Assortment o*' patterns, colors and fabrics. G. C. Murphy Co. GOLDSMITH'S FOOTBALLS and BASKET BALLS NAUGATUCK HARDWARE XEAItV Tel. 5212 .I-ATKST MOOKI. SlI-EX COFFEE MAKER Your Eyeglasses Shop , C. H. Tomlinson Neary Hiiilding Kiliig.-itiiok, Conn. * BUY WAR BOXDS * IK MY REVMONDS
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In stock items ship today if
ordered by 2PM Eastern
In stock items ship today
ordered by 2PM Eastern
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Smith Manoeuvre Loan Options
What happens though when our mortgage is paid off and we're just left with the investment loan?
There are two main options:
- Pay down the loan to reduce risk, or
- Keep the loan for its tax advantages.
There are important considerations for each option. The right choice depends on your personal financial situation, your aversion to debt in a general sense, and your current stage in life.
Completing the Smith Manoeuvre is a great time to sit down, analyze your situation, and possibly bring on an accountant or fee-only financial adviser.
Regardless of the choice concerning the loan specifically, I would still make regular investing your first priority. With the mortgage principal paid off (Portion 1 of the HELOC), you now have additional cash flow freed up for saving and investing. Make sure your retirement investing and savings plan is on track.
As long as you have the SM loan in place, keep your joint SM Cash/Margin account separate from any other investments. If you have money to invest in a non-registered account, make sure you open a new joint Cash/Margin account for that purpose.
1. Wind Down the Loan
Loan pay-down is a good choice for low-income people and those who are anticipating retirement in the near future who have no other debt. It's also the best option if you are more risk-averse and you want to cut down your overall expenses.
Since its fully tax-deductible interest feature, the Smith Manoeuvre investment loan is the last loan you should pay off. After you've ensured you are on track to retire when you want to and have all your other debt paid off, then consider paying down the investment loan.
Wind down the SM investment loan slowly. Do not sell the investments in your SM Cash/Margin account to pay off the loan! It will trigger substantial tax costs.
Instead, use the dividend income from the Smith Manoeuvre investment account to pay down the loan principal. You can increase it by throwing extra cash at the loan if your dividends are not sufficiently large enough to make a meaningful dent after interest costs.
2. Keep the Investment Loan
Once Portion 1 of your HELOC is paid off you are no longer really executing a Smith Manoeuvre. At this point you simply have an investment loan secured by the value of your residence. There is nothing wrong with this when done responsibly.
If you have a high income, still anticipate working for the foreseeable future, or are looking to maximize your wealth you should keep the investment loan for its tax advantages. You would likely have chosen a lower dividend investment strategy for your SM investing. Keep this going so you can deduct the interest expenses from your income at your marginal tax rate.
Keeping the investment loan is also a good option for retirees with large RRSP accounts. RRSP withdrawals are taxed at your full marginal rate; offsetting that high-tax income with interest expenses can be advantageous and significantly reduce your overall tax rate.
If you can handle the ups-and-downs of the market, consider growing your investment loan as your home value increases. You can do this by applying for a HELOC limit increase with your bank every few years and getting an appraisal done (if required).
Maintaining 35% equity is important as it implies your house value would have to drop 35% before you are underwater on your house loan. Though not impossible, it would be a substantial drop.
Since your loan is also backed by the value of your investments, it is still nearly impossible that you would experience a negative equity situation.
If you are not going to increase your investment loan, you can save all the statements from your Smith Manoeuvre chequing account in a safe place (in case of an audit) and then close down your Smith Manoeuvre chequing account.
You can rearrange the account settings so that dividends remain in the SM investment account instead. Just use your regular income to pay the interest on the investment loan.
You will still need to make the necessary adjustments to your loan at tax time for Return of Capital income, but you can make those adjustments with your normal income. This means your investment loan will slowly shrink over time by the amount of your RoC distributions.
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Car News
10 Sep , 2012
Today Mini Announced the JCW Countryman, a fire breathing sporty version that starts from £28,595 in the UK.
Heres the long and short of it:
Starting at £28,600,1.6 Litre Turbo 210HP,Permanent all Wheel Drive,0-60 in 7 Secs.
By Adam Tudor-Lane
Owner / Editor of Carwitter - French car fiend, hot hatch lover.
Freelance writer and car journalist I've turned my passion for cars into my livelihood.
Wings For Life
Contact Us
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Sample Job Descriptions/
For volunteers to succeed in ministry they need to know what their church expects of them. Rather than have to re-invent the wheel for every job description, the North American Division has put together some samples for your congregation. This is a fairly comprehensive list, yet there may be some positions in your congregation that are not mentioned in this list, and this list has far more positions than any church could possibly have. Feel free to add, subtract, use, adapt, edit, and make your own.
Click on any of the titles below and a pdf will open up that you are free to print or share with your volunteer placement team.
Adult Sabbath School Coordinator
Adult Sabbath School Facilitator
Adult Sabbath School Secretary
Adventurer Club Director
Bible Studies
Children's Church Leader
Children's Ministries Coordinator
Children's Sabbath School Assistant
Children's Sabbath School Leader
Children's Sabbath School Teacher
Church Board Member
Church Clerk
Church Treasurer
Communication Representative
Community Services Director
Community Services Volunteer
Deacon and Deaconess
Disabilities Ministries Coordinator
Education Secretary
Family Ministries Coordinator
Health Ministries Leader
Home and School Association
Inner City Coordinator
Investment Leader
Lay Evangelist
Lay Pastor
Men's Ministry Director
Music Ministry
Outreach Coordinator
Pathfinder Club Director
Planning Committee
Prospect Care Coordinator
Religious Liberty Leader
School Board Chairperson
School Board Member
Seminar Coordinator
Small Group Leader
Social Committee
Vacation Bible School Director
Visitation Team
Volunteer Ministries Coordinator
Women's Ministries Leader
World Missions Coordinator
Young Adult Ministries Coordinator
Young Adult Sabbath School Assistant
Young Adult Sabbath School Leader
Young Adult Ministries Coordinator
Youth Ministries Coordinator
Youth Sabbath School Leader


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2011 Louisiana Laws
Revised Statutes
TITLE 42 — Public officers and employees
RS 42:1252 — Repealed by acts 1987, no. 737, 2.
LA Rev Stat § 42:1252 What's This?
§1252. Repealed by Acts 1987, No. 737, §2.
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The F-35A Lightning II recently qualified to take part in the Air Combat Command Air Force Heritage Flight program. The program features modern Air Force fighter aircraft flying alongside World War II, Korean and Vietnam-era aircraft in a display of our nation's airpower history. The F-35 heritage flight team includes one pilot and 10 maintainers, all selected from the 61st Fighter Squadron at Luke Air Force Base (AFB). The team will travel to 16 air shows around the U.S. and abroad. For the F-35 Heritage Flight Team show schedule, see this Military.com article.
For more Air Force news, visit the Military.com Air Force section. For more on aircraft and military tech, visit the Defensetech blog.