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You know the basics: long-term disability insurance can act as a form of income replacement if you experience a disability that stops you from working. (If you don't know the basics, check out our comprehensive explanation of how long-term disability works and meet up with us in a few minutes.) But what does that term income replacement really mean? Will long-term disability really replace your full paycheck every month?
Luckily, you can control exactly what your benefit amount — the amount your long-term disability policy would pay out every month — amounts to. When you're shopping for a policy, you can specify what you want your benefit amount to be. While you can't go crazy and request a million dollars per month, you can request almost your full take-home paycheck.
How to calculate ideal benefits amount
While you can request up to 60% of your gross monthly income as a benefit amount, it can be prohibitively expensive for some shoppers. You may also not need all of that money. Before you start shopping for a long-term disability policy, it's worth taking a look at your budget to figure out exactly how much you would need every month if you lost your job due to a disability. Here are a few things to keep in mind when calculating your ideal benefit amount:
Cover your fixed expenses
Mortgages, electricity, internet, food, etc. There are certain fixed expenses that you pretty much know you need to cover every month. It's hard to say exactly how much of your income you use on fixed expenses — it's different for everyone, obviously — but if you haven't already, you should figure out this number, give or take a few hundred bucks. Use this as your baseline benefit amount that any LTD policy needs to meet.
Try to include some discretionary expenses
Books, movies, music, and other types of entertainment are typically not covered by your fixed expenses, but you're not going to just stop consuming them because you're using disability benefits. Same goes for other small luxuries, like eating out.
Factor in possible disability-related costs
Your health insurance will probably cover most of your care, but what if you need to improve your home to include an access ramp for a wheelchair? That's just one example of a disability-related cost that wouldn't be covered by health insurance and that you would need to pay for out of your own pocket.
Don't forget retirement savings
Most disabilities aren't permanent — in fact, the average disability lasts less than five years. There's a good chance that you'll end up back at work! However, during that five year period, what will happen to your 401(k), IRA, or other retirement accounts? If you don't build in some amount of retirement savings into your monthly benefit, you may experience a huge setback in your retirement plan.
What does this add up to?
While your ideal benefit amount will depend on your individual budget and your income, we can give you a general range that you can aim for. Typically, we would consider a benefit amount that's anywhere between 50 and 60% of your pre-tax monthly gross to be a large benefit. If your ideal benefit amount comes out to just under your take-home pay right now, you're probably in the right ballpark.
What if I'm shopping for supplemental disability insurance?
If you already have a group long-term disability policy through your job, you may be looking to supplement it with a private long-term disability policy. Hurray! In this case, you should look at the benefit you're already receiving and see what percentage of your after-tax income it covers. Assuming it doesn't cover 60% of your income (because if it did, why would you get a supplemental policy?), you should figure out what your private benefit amount would need to be in order to get you, in total, 60% of your income from your two LTD policies.
To put that into a formula:
Group benefit amount [Example: 35% of post-tax income] +
Private benefit amount [Example: 25% of post-tax income] =
Total benefit amount [Example: 60% of post-tax income]
There is one huge wrinkle in this calculation, however: group LTD benefits are taxable. Make sure you factor this into your math.
What if your ideal benefit amount is too expensive?
In some cases, it may be prohibitively expensive — i.e., you can't afford the monthly or annual premiums — to get your ideal benefit amount. This typically happens if you work in a risky occupation or have had prior health issues.
Luckily, there are some things you can do to help make your long-term disability insurance policy less expensive. For starters, you can try reducing your benefit period. The benefit period is the amount of time you'll receive benefits. The longest benefit period you can get is up to your retirement age (age 67 or 70, depending on the insurer). But you can save money by reducing this your benefit period to just ten, five, or two years.
There are two big reasons why reducing your benefit period is one of your safer options: 1) if your disability is permanent, you'll probably qualify for Social Security Disability Insurance (SSDI) benefits from the federal government and 2) most disabilities that are not permanent last less than five years.
You can also try increasing your elimination period. The elimination period is the period of time between when your disability starts and when your insurance company starts paying out benefits. More expensive policies have elimination periods of either thirty or sixty days. You can save a little bit of money by switching to a ninety day elimination period, or save more money by lowering it to one hundred and eighty days.
However, if you don't have enough emergency savings to cover the six months between when you stop receiving a paycheck and when your insurance policy kicks in, a long elimination period can be disastrous. If you choose this option, make sure you're covered either by emergency savings or a short-term disability policy.
If neither of these options lowers your premium enough, you'll need to reduce your monthly benefit amount. This is where your previous calculations come in handy. You know how much you'll need in order to cover fixed expenses, which is your baseline. Start there, and add discretionary income, disability-related costs, and retirement savings in whatever order you deem most important until you can no longer afford the monthly premiums.
Image: Mark Strozier


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Just Write
Get your fifth grader to love writing with these creative writing prompts. Students will practice building stories, and can find inspiration from great authors such as Jack London or Mark Twain.
(35 pages, file size 5.1 MB)
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Celebrity Copycat: Gwen Stefani's Look for Less!
February 25, 2014 by admin
Filed under Celebrity Copycat
It's just another day and another flawless outfit on a very pregnant Gwen Stefani. Yes, I know it's another black on black outfit (my favorite lately) but it does have a few major components that kick it into Gwen Stefani's level; like the gorgeous coat, chic scarf and sexy heels. I love that she went with a classic neutral coat – it really pops against the edgy outfit. See below how to get her look for less.
Open Front Coat – $119 at Yesstyle.com | Leather Leggings – $18 at Target.com | Tunic – $18 at HM.com | Animal Print Lace Up Booties – $59 at AliExpress.com | Scarf – $16 at Amazon.com | Sunglasses – $9.99 at ShopZeroUv.com | MAC Viva Glam Rihanna – $16 at Macys.com
Update: Etsy Spotlight + Giveaway: Win A Custom Horse Bit Bracelet
February 24, 2014 by admin
Filed under Fashion Tips & Finds
The winner of the horse bit bracelet is – Neiddy with the comment The Silver and Red Womens Leather Cuff Bracelet, Snakeskin on Cow Leather is my favorite one. Congratulations!
If you know me then you know I'm a accessory addict (especially bracelets) who love's a a great look for less! Among the tons and tons of jewelry that I own, the one's that get the most wear are usually the one's that have a bold edgy feel. During my pregnancy I haven't really been adding to my accessories so I was super excited when Meg from Margaret Vera offered to giveaway a gorgeous eco-friendly horse bit leather bracelet– I love love love it!
Margaret Vera is made up of two creative souls Meg and her brother. They design and create accessories for the bohemian soul (like me) and all of their designs have the perfect mix of tough yet chic, rustic, and delicate – it's a beautiful madness of rugged and soft. Their best selling horse bit bracelet is made from recycled leather and comes in gold or silver with either a brown or belt leather band it looks like it cost 3 times more than the $36 price tag. Perfect classic piece to wear with a chunky watch or dainty bangles. I also loved how beautifully it fit. As recommended I measure my wrist and the bracelet fits perfectly! It will instantly become a favorite!!
Meg has even offered to give one lucky reader the opportunity to win a custom bracelet for themselves! Simply visit Margaret Vera pick a favorite, return back to fashiongrail and tell us which is your favorite and what you'd wear it with (make sure you provide url in the comment). For extra entries tweet about the giveaway or like fashiongrail on Facebook (make sure that you mention that you did in a seperate comment below). One winner will be chosen on March 3 2014.
In addition to giving a bracelet away Meg is offering Fashiongrail readers 25% off any items in their shop using code FASHIONGRAIL. Check Margaret Vera and all of their amazing free spirited pieces here – Margaret Vera
Black Diamond Engagement Rings for the Unique Bride-to-Be
February 24, 2014 by admin
Filed under Boys on the Side
Diamonds may still be a girl's best friend but diamond sellers are increasingly aware that the women in question are not all looking for the same diamonds. In response retailers across the globe have gotten into the business of fancy colored diamond rings, offering a selection of diamonds in blue, red, brown, and the most popular option black. These diamonds are every bit as valuable as traditional diamonds. They also offer ring makers an opportunity to create something wholly new and unique.
Black diamond rings in particular have taken off with couples considering marriage. In the past retailers reported that clear diamonds took up nearly one hundred percent of their business. Since 2010 however colored and black diamond rings have exploded taking over between 10 and 20% of sales at some retailers. Many folks credit this explosion in popularity to the use of a black diamond ring in the poorly received but still widely viewed movie Sex and the City 2. In the film Sarah Jessica Parker's Carrie Bradshaw is given a black diamond ring by her husband, Chris Noth as "Mr. Big." Mr. Big offers the unique choice of jewelry because "she's not like anyone else in the world."
Don't we all want to be like no one else in the world?
Black diamond engagement rings can now be found on the fingers of fiancés across the country. Diamond ring retailers across the country and on the Web have moved to fill the demand for these rings. For many retailers the selection of options in the black diamond engagement ring market remains surprisingly scant. Meanwhile other companies now dedicate a huge section of their stock to unique black diamond engagement rings as well as other fancy colored diamond jewelry. Fashion designers have taken notice. During Fashion Week Liori Diamonds, a New York based retailer of diamond rings, was asked to lend some of its best black diamond rings to a Heather Lawton fashion show.
While the traditional clear diamonds that have been all the rage for hundreds of years remain popular, folks looking to make a unique stylistic stance have taken to the world of black diamond rings. The end result is a market willing to serve all of the very unique needs of all of those Carrie Bradshaws out there, who are not like anyone else in the world.
This post was written by Tim Duffy on behalf of Liori Diamonds black
Sweaty Betty's Yoga Clothes
February 23, 2014 by admin
Filed under Found & Loved
In the midst of a crushing, miserable winter, it's hard to even consider summer as a theoretical possibility. Shut in behind frozen windows, staring out at an endless white wasteland, summer, the beach, skirts and shorts couldn't seem further away. But the happy truth is that summer is coming. It hasn't let us down yet, and it will be here sooner than you think.
Summer is right around the corner and gone will be the days of comfy sweatshirts, long pants, and layers. Soon it will be time for bare legs, uncovered arms, and gauzy fabrics. Crap, that means exercise, doesn't it. Well, if it makes summer come quicker, it might be a fair trade-off.
Yoga is an excellent way to shake the dust off your winter muscles, and best of all, it can be done inside (maybe even in a hot, humid room) while you're waiting for the thaw. Get in a little yoga during your winter-induced downtime, and by the time spring peeks it's head out, you can already by flexible, warmed up, and ready for action.
If you're in the market for some new yoga clothes, you need to consider the following: First, comfort. Yoga clothes, by their nature, must not be restrictive. They need to not just be as flexible as you are, they need to be as flexible as you are capable of becoming. Second, Yoga shirts, yoga shorts should be durable. Your joints are going to get a workout, and so are the seams on your gear. Lastly, they should be reasonably priced. Ideally, these are clothes that are going to be routinely used, they shouldn't cost as much as a car payment.
You can't do a better job than meeting these criteria than Sweaty Betty, where a wide variety of quality yoga shorts, jackets, leggings, and tanks await. Once you've gotten yourself dressed for yoga success, you'll find it easier than ever to motivate yourself to work toward that stronger, more flexible you, that summer you, that isn't stuck inside.
And if you just want to drink hot tea and watch TV in your yoga pants, they're pretty comfy for that, too. 🙂
Disclosure: This guest post has been sponsored by Sweaty Betty
A Girl's Guide to Jeans
February 21, 2014 by admin
Filed under Found & Loved
Jeans! Pretty simple, right? Blue denim, always in style and look better the more you wear them. They are the forever symbol of casual style for your legs. So why is it so hard to find the perfect pair? It turns out that when there are more options, the choices they offer can become paralyzing. And if you're not sure on what options you're selecting between trying to find the right pair of jeans can be complicated. So let's do some legwork on what styles of jeans are trending right now, and consider what styles look best on you.
Skinny jeans are just what they sound like. They're cut skinny, to fit snugly through the waist, hips and thighs, and ensure they hug your legs like a second skin. Curvy cut jeans are cut with a little more freedom in the hips and thighs, but still designed to hug the calves. Boot cut jeans are designed with a slightly flared leg, so you can wear boots with them (pretty simple stuff).
Rise refers to how high on the hips or waist the jeans ride. The most flattering is medium rise but lately we've also been seeing some trendy high waisted jeans and low-rise cuts. If you're not sure what kind of rise you prefer, err toward medium rise.
Long cut jeans are most flattering on taller figures (as well as with higher heeled shoes). Boot cut jeans are also usually cut long for this reason. Cropped jeans (a summer favorite) stop mid-calf and look good with sandals or more casual shoes.
Jeans are traditionally made of cotton (denim), but frequently incorporate polyester to increase durability. Skinnier cuts of jeans incorporate spandex in order to allow for the sleekest possible profile, while still allowing for flexibility.
The "wash" of a pair of jeans represents how the jeans have been treated with dyes. Generally, the darker the wash, the darker the jeans. Jeans are also frequently "distressed" by sandblasting to create a lived-in or bohemian look. Dark denim is universally flattering and also dressier while the distressed is a laid back favorite.
By carefully considering your options, you can be sure to find what style of jeans are best for your personality, style and body type. Best of all, with stores like rue21 currently offering buy one, get one 50% off on most of their jeans, you can afford to experiment a little.
Disclosure: This post has been sponsored by rue21, but the opinion expressed herein are those of the author and are not indicative of the opinions or positions of rue21
Update: Engagement Excitement + $25 Target Gift Card Giveaway! #TargetWedding
February 17, 2014 by admin
Filed under Found & Loved
The winner is Lisa with the following comment: I'd love Kitchenaid Mixer – I am a big baker http://www.target.com/p/kitchenaid-classic-4-5-qt-stand-mixer/-/A-14537847#prodSlot=medium_1_1&term=kitchenaid+mixer
Congratulations and a big thank you to all who participated!
This post is brought to you by Target, but all opinions and content are my own. Keep up with all the latest – #TargetWedding
Getting engaged is definitely one of the most memorable and exciting moments for any couple. It's a cherished time to plan for the future and get to know each other before the big day. While many couples prefer to hire a wedding planner, some plan it together and some grooms-to-be are perfectly content by just being kept in the loop.
I've never personally planned my own wedding but I've had a hand in participating in others and it can be stressful. But the one part of the post engagement excitement that every one love's hands down is the wedding registry. It really gets the couple thinking about the kind of life they will be living (traveling, cooking together, having kids right away and how all of that can fit into wedding gifts). Most of the couples weddings that I had the pleasure to be a part of almost always mentioned Target Wedding Registry. How could they not? It's a no brainer! It's affordable and they have a massive selection of products that will help get ANY married couples life started off together in any way they've dreamt of.
Among some of my favorites at Target are:
Wine Glasses
Dinnerware Set
Keurig Vue 500
Giveaway Details:
All must have items for any couples new life together at affordable prices! My personal favorites are the Riedel Drinking Glasses, The Threshold Dinner Setting and the Keurig Vue 500. What are some of your favorite Target Wedding registry items? Check them out here on Targets Wedding Registry page and tell me which is your favorite in a comment below (make sure to include URL) for a chance to win a $25 gift card to Target. For extra entries like Fashiongrail on Facebook or Tweet about the giveaway (please state that you did so in a separate comment below).
Giveaway will run from 2/17 until 2/24 and one winner will randomly be selected. US Residents only.
Content and/or other value provided by our partner, Target.
5 Spring Picks
February 16, 2014 by admin
Filed under Fashion Tips & Finds
Living down here in Florida doesn't exactly let you enjoy fall and winter fashion to the fullest but it does let you enjoy spring and summer trends a lot earlier than most. So while I do envy the layering, boots and all the cozy accessories most of you get to wear I also appreciate that I can probably rock some pastel colored pieces and maybe even shorts on just about any day of the week. So with that said check out some of my favorite spring trends, some of which you can probably wear now if you layer and/or accessorize properly.
Last year I was loving pastel skinnies and not much has changed for this year. Pastel is a spring must have.
Candy Crop Jeans – $68 at Nastygal.com | Mint Skinny Jeans – $98 at Superdry.com
I'm loving white blazers this year. I do have one that I wore quite frequently last year BUT it wasn't a crisp white tuxedo blazer like this one from Express. Add some gold like one of my favorite bloggers Love Maegan and you're good to go.
White Tuxedo Blazer – $70 at Express.com
Belle By Sigerson Morissison Yoko Booties – $88.50 at Shopbop.com
Warmer weather calls for dainty jewelry. Pile on thin shimmer bangles like these from Gorjana.
Bucket Bag – $238 at Joie.com
Celebrity Copycat: Olivia Palermo's Look for Less!
February 15, 2014 by admin
Filed under Celebrity Copycat
Words cannot even express how much I love Olivia Palermo's style! It's always so hard for me to even pick one outfit to replicate. For this Copycat I chose her in over knee boots and a fab coat! Two must have items in any fashionitas closet. Both pieces can be found for less but if you choose to splurge go right ahead because neither of these items are overlty trendy and they will never go out of style just like most of Olivias outfits classic, sexy and stylish.
Coat – $210 at JohnLewis.com | Over The Knee Boots – $210 at NastyGal.com | Striped Sunglasses – $22 at Nordstrom.com | Quilted Chain Bag – $29 at Windstore.com
Celebrity Copycat: Rita Ora's Look for Less!
February 15, 2014 by jasmine
Filed under Celebrity Copycat
I'm totally back into black this year. Here's another head to toe black look from Rita Ora. Her outfit is how I wished I looked on a day to day basis but living in Florida doesn't allow this too often. It's got the jeans and tee shirt feel but the leather and head to toe black make it edgy. I love how she could have easily gone with your traditional flats but instead went with sneaks. Great outfit for a stylish mama on the go.
Crew Tee – $20 at Tillys.com | Faux Leather Pants – $12.99 at Necessaryclothing.com | Womens Nike's – $69.99 at FamousFootwear.com | Lucky Brand Elephant Necklace – $45 at Amazon.com | Lucky Brand Guitar Pick Necklace – $39 at Macys.com | Lucky Brand Love Necklace – $35 at Amazon.com | Retro Sunglasses – $7.99 at Amazon.com
Sponsored Post: Zac Posen's Collection at David's Bridal
February 14, 2014 by admin
Filed under Fashion Tips & Finds
In addition to the designer for less dresses, Zac's collection will also have equally stunning accessories (my favorite part of any outfit). Each piece is less than $150 but look like family heirlooms. I especially love the retro looking Crystal Leaf headband and the romantic Russian Tulle Blusher of which both would look perfect with any of the dresses. The accessories can easily be worn for other special occasions giving you even more bang for your buck. When you combine the fabulous accessories with any of the dresses from Zac's collection you get a glamorous luxurious look for your special day at realistic prices – you can't beat that!
Disclosure: This post has been sponsored by David's Bridal, but the opinion expressed herein are those of the author and are not indicative of the opinions or positions of David's Bridal


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Order of Precedence is a sequential hierarchy of rank. In the SCA, this takes the form of recognition of awards received, the rank of the award and when the person received it.
In formal events, the Order of Precedence plays a part in how members of the SCA relate to each other. For example: in Crown tournament, combatants and their consorts are presented to the crown before the tournament in Order of Precedence.
In Atenveldt's Online order of precedence, a person need not have an award to be listed. With photos and devices from many of our populace, the OP works as a who's who in Atenveldt. Feel free to explore.
Atenveldt's award charters are also kept in the Order of Precedence. An award charter is part of Kingdom Law that formally states all the information about the award.
This section of our website is constantly updated.
Return to OP Home
In Anno Societatis Thirty, in the Reign of Trelon and Varia, there was created an award known as the Order of the Commanders of the Queen's Grace. Deaton Claymore was created Premier of this Order on September 2, 1995.
I. There shall exist in the Kingdom of Atenveldt an award, known as the Order of the Commanders of the Queen's Grace, which may be given by the Queen to those persons who are Companions of the Order of the Queen's Grace and whose conduct she feels continues to be the best example of the ideals of courtliness and gentility in the Current Middle Ages.
II. Companionship in the Order requires that the recipient already be a Companion in the Order of the Queen's Grace.
III. Only one person shall be admitted to the order each reign.
IV. The members of the order shall be styled Commanders of the Queen's Grace and shall be entitled to place the initials C.Q.G.C. after their name.
V. The insignia of the order shall take the form of a cord of knotted white and blue strands, to be worn with the companion's cords and longer than the first cords on the left shoulder of the recipient.
VI. Companionship in the Order shall carry a Grant of Arms.
VII. The companions of the order shall take precedence after the Grant of Arms, but before all Kingdom orders.
VIII. Amendments to this charter shall be made by the Crown of Atenveldt.
IX. The Principal of the order shall be the Queen, the Protector of the order shall be the King.
X. The membership in the order of all previous recipients of this award is hereby confirmed.
Heraldic Submissions | Overview of Kingdom of Atenveldt Awards | Order of Precedence | Ceremonies & Oaths | Local Groups Heraldry | Order of March | Kingdom Officer Badges | OP Match Game
Contact the Atenveldt Web Ministry at
Copyright © 2002-2011 Kingdom of Atenveldt.
The original
contributors retain the copyright of certain portions of this site.


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order by popularity | order by alphabet
One Way TicketMelody Line No ShibouritsuRockscissorspaperConvincingEnding StoryYume YumeNobody's HomeYes I AmWherever You AreLet's Take It SomedayPierceMr. Gendai SpeakerKoi No Aibou Kokoro No CupidoViva Violent FellowHard To LoveListenTake What You WantCry OutJustSonzai ShoumeiKaimuKimishidai ResshaSeken Shirazu No UchuhikoushiDoppelgangerLujoRiot!!!Re:make20 Years OldNever Let This Go(you Can Do) EverythingAll MineLiarLiving DollsBorderlineA New One For All, All For The New OneDeeper DeeperClock StrikesReflectionShake It DownBreak My StringsLost And FoundBe The LightAnswer Is ClearNo ScaredKeep It RealTo Feel The FireMy Sweet BabyJuvenileNothing HelpsNotes'n'wordsKanzen Kankaku Dreamer
Related Information for One Ok Rock ONE OK ROCK is a Japanese Rock band formed in the summer of 2005. It was started by Toru with High School friends Alex and Ryota after each of them got their musical instruments. After that, Taka joined as their vocalist and they focused on performing shows in the Tokyo area.In 2006 they independently released 2 mini albums. Because of their albums sales, their participation in relatively large festivals that summer and their energetic shows in the outskirts of Tokyo, they were noticed by.. read more


text: An edgier take on our popular ZEB running tights, these uber comfortable athletic tights feature stretch leather thigh panels that wrap around each leg in addition to breathable eyelet mesh details. Other design details include; zippered ankle, drawstring waist and our signature rivet detail on hip. Pair with SUPER CHAR, JOCKEY or JULES. Hand washable. Made in California.


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Watch out (wait a moment for it to load)
Labels: f*cked-up sh*t
Labels: f*cked-up sh*t
The guy thought the prostitute was trying to leave without providing sex when she moved around to get better phone reception. A quarter-sized piece of her ear was recovered from a garbage can in the man's kitchen. » Full article here
Labels: hooker, Offbeat news
A 10-year-old boy locked in a feces-laden dog crate by his grandmother had apparently been spiking his family's drinks with household chemicals for some time, said Washington police.
Labels: Offbeat news
Labels: dress
Labels: funny pictures, penis
A 24-year-old volunteer at community radio station took his music so seriously that he set fire to the station when it didn't play the songs on his playlist, Austin Fire Department Battalion Chief Greg Nye said.
Labels: Offbeat news
Labels: funny pictures
Forbes has just come out with their list of 2007's 20 highest grossing female musicians. Notice Britney Spears isn't in the top 10.
Labels: list
A man was charged with drunken driving after going through two bottles of wine, cutting through a snowstorm on his lawn mower and riding down the center of the street to reach a liquor store, authorities said.
Labels: Offbeat news
Labels: funny pictures, hillary clinton
Labels: funny pictures


text: Dissolving pulp for the textile industry Page ContentDissolving pulp is a specific type of wood pulp characterized by its high cellulose content, high level of brightness and uniform molecular-weight distribution. Our Pure dissolving pulp is used by our customers in the production of viscose fibres for the textile industry. Our product represents a traceable source of raw material with a very low environmental impact over other sources in the industry: lower water requirement compared to cotton production, a sustainable advantage over polyester and a lower land requirement over wool production.Our production facilityAll our grades are produced in our Enocell mill, located next to Joensuu in eastern Finland.The wood we useTo make our dissolving pulp, we use birch trees coming almost exclusively from Finland and western Russia. Our product's sustainable advantageAll our dissolving pulp grades are traceable and coming from sustainable sources. In Stora Enso, we have set ourselves an ambitious goal for our sustainability performance, both on environmental and social aspects, and we have received international recognition for our work.


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SCRANTON — A Shavertown accountant will serve more than three years in prison and be required to pay nearly a half million dollars in restitution, according to the U.S. Attorney's Office.
Richard J. Morgan, 54, was sentenced Tuesday to 38 months in prison followed by five years of probation after pleading guilty last summer to counts of bank fraud and interfering with the administration of the internal revenue laws.
U.S. District Court Judge James M. Munley imposed the sentence, ordering Morgan to pay $494,619 to the victims and the IRS.
According to prosecutors, Morgan owned and operated Wilkes-Barre Bookkeeping LLC, a Shavertown business that provided payroll services to clients. Businesses contracted Morgan to perform payroll services, to file federal tax documents and to provide taxation authorities with employees' tax liabilities, prosecutors said.
For three clients — identified in court documents only as a Hanover Twp.-based business and two nonprofit corporations — Morgan failed to file the tax forms and instead embezzled the money for his own personal use, according to prosecutors. Between March 2010 and October 2016, Morgan stole $376,225 from the clients, telling the organizations that everything was filed and paid, prosecutors said.
In addition, Morgan, as the treasurer of a nonprofit corporation, was supposed to be sell its assets when the operation closed down in February 2010. Instead, Morgan paid off the organizations liabilities and then pocketed the remaining $68,172, prosecutors said.
When questioned by the IRS, the complaint said, Morgan invented a fake IRS employee who he said was helping him find tax deposits that had been misplaced because of a computer glitch and sent altered bank statements to the federal agency.
He also provided agents with altered bank statements and accounting records, prosecutors said.
In addition to the stolen money, Munley ordered Morgan to pay the IRS $50,222 for unpaid taxes on the embezzled funds.
The judge ordered Morgan to surrender to begin serving his sentence on March 13.


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Lovely cutie fucked doggy style and then got a facial
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text:
Legal Status
Document Details
Published Document
Forest Service, USDA; Fish and Wildlife Service, Interior.
Seasonal adjustments.Start Printed Page 67596
This provides notice of the Federal Subsistence Board's management actions to provide for a subsistence harvest opportunity for caribou in Units 9(D) and 10 (Unimak Island) and to protect a declining moose population in Unit 24. These actions provide an exception to the Subsistence Management Regulations for Public Lands in Alaska, published in the Federal Register on June 27, 2003. Those regulations established seasons, harvest limits, methods, and means relating to the taking of wildlife for subsistence uses during the 2003 regulatory year.
The Unit 9(D) and 10 (Unimak Island) action is effective October 29, 2003, through March 31, 2004. The Unit 24 action is effective November 3, 2003, through December 31, 2003.Start Further Info
Thomas H. Boyd, Office of Subsistence Management, U.S. Fish and Wildlife Service, telephone (907) 786-3888. For questions specific to National Forest System lands, contact Steve Kessler, Subsistence Program Manager, USDA—Forest Service, Alaska Region, telephone (907) 786-3592.End Further Info End Preamble Start Supplemental Information
Title VIII of the Alaska National Interest Lands Conservation Act (ANILCA) (16 U.S.C. 3111-3126) requires that the Secretary of the Interior and the Secretary of Agriculture (Secretaries) implement a joint program to grant a preference for subsistence uses of fish and wildlife resources on public lands in Alaska, unless the State of Alaska enacts and implements laws of general applicability that are consistent with ANILCA and that provide for the subsistence definition, preference, and participation specified in Sections 803, 804, and 805 of ANILCA. In December 1989, the Alaska Supreme Court ruled that the rural preference in the State subsistence statute violated the Alaska Constitution and, therefore, negated State compliance with ANILCA.
The Department of the Interior and the Department of Agriculture (Departments) assumed, on July 1, 1990, responsibility for implementation of Title VIII of ANILCA on public lands. The Departments administer Title VIII through regulations at Title 50, Part 100 and title 36, part 242 of the Code of Federal Regulations (CFR). Consistent with subparts A, B, and C of these regulations, as revised January 8, 1999, (64 FR 1276), the Departments established a Federal Subsistence Board to administer the Federal Subsistence Management Program. The Board's composition includes a Chair appointed by the Secretary of the Interior with concurrence of the Secretary of Agriculture; the Alaska Regional Director, U.S. Fish and Wildlife Service; the Alaska Regional Director, National Park Service; the Alaska State Director, Bureau of Land Management; the Alaska Regional Director, Bureau of Indian Affairs; and the Alaska Regional Forester, USDA Forest Service. Through the Board, these agencies participate in the development of regulations for Subparts A, B, and C, which establish the program structure and determine which Alaska residents are eligible to take specific species for subsistence uses, and the annual Subpart D regulations, which establish seasons, harvest limits, and methods and means for subsistence take of species in specific areas. Subpart D regulations for the 2003 hunting seasons, harvest limits, and methods and means were published on June 27, 2003, (68 FR 38464).
Because this rule relates to public lands managed by an agency or agencies in both the Departments of Agriculture and the Interior, identical closures and adjustments would apply to 36 CFR part 242 and 50 CFR part 100.
The Alaska Department of Fish and Game (ADF&G), under the direction of the Alaska Board of Game (BOG) and the Board of Fisheries (BOF), manages sport, commercial, personal use, and State subsistence harvest on all lands and waters throughout Alaska. However, on Federal lands and waters, the Federal Subsistence Board implements a subsistence priority for rural residents as provided by Title VIII of ANILCA. In providing this priority, the Federal Board may, when necessary, preempt State harvest regulations for fish or wildlife on Federal lands and waters.
These adjustments are necessary because of the need to provide additional subsistence opportunity for harvest of a rapidly expanding caribou population in Units 9(D) and 10 (Unimak Island) and to enhance productivity of a declining moose population in a portion of Unit 24. These actions are authorized and in accordance with 50 CFR 100.19(d-e) and 36 CFR 242.19(d-e).
Units 9(D) and 10 (Unimak Island)—Caribou
The caribou population has increased in both units and has reached and/or exceeded the upper level population objectives specified in the management plan. Increasing both the fall and winter harvest limits will provide additional harvest opportunities for subsistence users. Increasing the Federal subsistence harvest limits for caribou hunting on Federal public lands in Units 9(D) and 10 (Unimak Island) should help to stabilize the current population in line with the carrying capacity of the habitat for this herd. A previous Board action had modified the limits for the fall season. In this action the Federal Subsistence Board increased the harvest limit for caribou in Unit 9(D) from 1 to 2 and from 2 to 4 for Unit 10 (Unimak Island) for the November 15-March 31 caribou season.
Unit 24—Moose
Based on an analysis of results from trend surveys conducted in areas in Unit 24, ongoing population declines are somewhat uniform throughout the Koyukuk River drainage. Based on results from trend surveys conducted in portions of Unit 24 between 1985 and 1999, there have been significant declines in productivity and yearling bull recruitment.
These declines continue and have been documented through results from surveys conducted from 2000 through 2002. Results from limited 2003 surveys were similar, indicating that overall productivity has not increased. Current Federal regulations provide opportunity to harvest bull moose in the affected area August 1 through December 31. While increased cow harvest levels have provided additional opportunity and have served to stabilize moose populations in past years, prolonged harvest at the current levels will likely contribute to further declines in productivity and recruitment. As current management objectives prescribe more conservative yields than allowed for through current regulatory provisions, regulatory changes are needed to decrease the total cow harvest and to maintain productivity and recruitment. The Board had previously closed Unit 21(D) and Unit 24 outside of the Gates of the Arctic National Park to antlerless harvest during the fall season. This Board action shortens the antlerless moose season in Unit 24—that portion that includes the John River drainage within the Gates of the Arctic National Park. The existing season and harvest limit for the affected area is 1 moose during August 1 through December 31. This action prohibits the harvest of antlerless moose within the affected area November 3-December 31. ADF&G has executed an Emergency Order for a similar closure of the State antlerless moose season on private lands within the John and Alatna River drainages of Unit 24 consistent with the Management Plan, which calls for Start Printed Page 67597additional regulatory restrictions on antlerless moose harvest in response to the ongoing population declines.
The Board finds that additional public notice and comment requirements under the Administrative Procedure Act (APA) for these adjustments are impracticable, unnecessary, and contrary to the public interest. Lack of appropriate and immediate measures could seriously affect the continued viability of wildlife populations, adversely impact subsistence opportunities for rural Alaskans, and would generally fail to serve the overall public interest. Therefore, the Board finds good cause pursuant to 5 U.S.C. 553(b)(3)(B) to waive additional public notice and comment procedures prior to implementation of these actions and pursuant to 5 U.S.C. 553(d)(3) to make this rule effective as indicated in the DATES section.
Conformance With Statutory and Regulatory Authorities
National Environmental Policy Act Compliance
A Final Environmental Impact Statement (FEIS) was published on February 28, 1992, and a Record of Decision on Subsistence Management for Federal Public Lands in Alaska (ROD) was signed April 6, 1992. The final rule for Subsistence Management Regulations for Public Lands in Alaska, Subparts A, B, and C (57 FR 22940-22964, published May 29, 1992) implemented the Federal Subsistence Management Program and included a framework for an annual cycle for subsistence hunting and fishing regulations. A final rule that redefined the jurisdiction of the Federal Subsistence Management Program to include waters subject to the subsistence priority was published on January 8, 1999, (64 FR 1276.)
Compliance With Section 810 of ANILCA
The intent of all Federal subsistence regulations is to accord subsistence uses of fish and wildlife on public lands a priority over the taking of fish and wildlife on such lands for other purposes, unless restriction is necessary to conserve healthy fish and wildlife populations. A Section 810 analysis was completed as part of the FEIS process. The final Section 810 analysis determination appeared in the April 6, 1992, ROD which concluded that the Federal Subsistence Management Program, under Alternative IV with an annual process for setting hunting and fishing regulations, may have some local impacts on subsistence uses, but the program is not likely to significantly restrict subsistence uses.
Paperwork Reduction Act
The adjustment and emergency closures do not contain information collection requirements subject to Office of Management and Budget (OMB) approval under the Paperwork Reduction Act of 1995.
Other Requirements
The adjustments have been exempted from OMB review under Executive Order 12866.
The Regulatory Flexibility Act of 1980 (5 U.S.C. 601 et seq.) requires preparation of flexibility analyses for rules that will have a significant effect on a substantial number of small entities, which include small businesses, organizations, or governmental jurisdictions. The exact number of businesses and the amount of trade that will result from this Federal land-related activity is unknown. The aggregate effect is an insignificant economic effect (both positive and negative) on a small number of small entities supporting subsistence activities, such as firearm, ammunition, and gasoline dealers. The number of small entities affected is unknown; but, the effects will be seasonally and geographically-limited in nature and will likely not be significant. The Departments certify that the adjustments will not have a significant economic effect on a substantial number of small entities within the meaning of the Regulatory Flexibility Act. Under the Small Business Regulatory Enforcement Fairness Act (5 U.S.C. 801 et seq.), this rule is not a major rule. It does not have an effect on the economy of $100 million or more, will not cause a major increase in costs or prices for consumers, and does not have significant adverse effects on competition, employment, investment, productivity, innovation, or the ability of U.S.-based enterprises to compete with foreign-based enterprises.
Title VIII of ANILCA requires the Secretaries to administer a subsistence preference on public lands. The scope of this program is limited by definition to certain public lands. Likewise, the adjustments have no potential takings of private property implications as defined by Executive Order 12630.
The Service has determined and certifies pursuant to the Unfunded Mandates Reform Act, 2 U.S.C. 1502 et seq., that the adjustments will not impose a cost of $100 million or more in any given year on local or State governments or private entities. The implementation is by Federal agencies, and no cost is involved to any State or local entities or Tribal governments.
The Service has determined that the adjustments meet the applicable standards provided in Sections 3(a) and 3(b)(2) of Executive Order 12988, regarding civil justice reform.
In accordance with Executive Order 13132, the adjustments do not have sufficient federalism implications to warrant the preparation of a Federalism Assessment. Title VIII of ANILCA precludes the State from exercising subsistence management authority over fish and wildlife resources on Federal lands.
In accordance with the President's memorandum of April 29, 1994, "Government-to-Government Relations with Native American Tribal Governments" (59 FR 22951), Executive Order 13175, and 512 DM 2, we have evaluated possible effects on Federally recognized Indian tribes and have determined that there are no effects. The Bureau of Indian Affairs is a participating agency in this rulemaking.
On May 18, 2001, the President issued Executive Order 13211 on regulations that significantly affect energy supply, distribution, or use. This Executive Order requires agencies to prepare Statements of Energy Effects when undertaking certain actions. As these actions are not expected to significantly affect energy supply, distribution, or use, they are not significant energy actions and no Statement of Energy Effects is required.
Drafting Information
William Knauer drafted this document under the guidance of Thomas H. Boyd, of the Office of Subsistence Management, Alaska Regional Office, U.S. Fish and Wildlife Service, Anchorage, Alaska. Taylor Brelsford, Alaska State Office, Bureau of Land Management; Greg Bos, Alaska Regional Office, U.S. Fish and Wildlife Service; Sandy Rabinowitch, Alaska Regional Office, National Park Service; Warren Eastland, Alaska Regional Office, Bureau of Indian Affairs; and Steve Kessler, USDA-Forest Service, provided additional guidance.Start Signature
Dated: November 12, 2003.
Thomas H. Boyd,
Acting Chair, Federal Subsistence Board.
Dated: November 12, 2003.
Steve Kessler,
Subsistence Program Leader, USDA—Forest Service.
[FR Doc. 03-30068 Filed 12-2-03; 8:45 am]


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For 90 years, McGinnis Lochridge has served to protect the interests of our clients in continuously changing landscapes including cutting-edge technology, oil and gas litigation, regulatory matters and more. The quality of our work is reflected in our clients' long-lasting loyalty and in our top-tier external rankings.
Of Counsel, Bruce Kramer will discuss the impact of recent and emerging judicial decisions in Texas on variety of Energy Sectors at the Texas A&M 2017 Energy Law Symposium: The Future of Energy on March 23, 2017.
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Video Games are a hot item on many kids' Holiday lists. Disney Big Hero 6: Battle in the Bay is the newest side-scrolling action video game from GameMill Entertainment. The game came out in perfect timing, set to the new Disney movie, Big Hero 6.
The game features four playable characters – robotics whiz kid Hiro Hamada and his friends, GoGo Tomago, Wasabi and Fred – with fellow squad mates Baymax and Honey Lemon appearing along the way for support. Players help rescue their hometown of San Fransokyo from an army of mechanical monstrosities in the new storyline of Disney's Big Hero 6. Each character handles differently, featuring diverse strengths waiting for players to discover.
Disney Big Hero 6: Battle in the Bay is now available for Nintendo 3DS and DS for $29.99. The game is rated E10+(Everyone 10 and Up).
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Contest ends at 11:59pm EST on December 8th when I will draw a winner at random. Please leave your email address if it is not visible on your profile. I will notify the winner and they will have 24 hours to respond!
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Thank you to the company and/or PR who provided the products for review and giveaway. The opinions are solely my own and may vary from others.


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Members of the DeLand football team were floored last Thursday night when they heard head coach Ryan Smith was leaving the program.
"I was shocked and surprised," said DeLand rising senior defensive lineman Steven Ospina.
Smith, who guided the Bulldogs to a 9-2 record in his first season at the school, resigned Thursday in the hopes of landing the vacant head coaching job at Taylor County High in his hometown of Perry. He made the decision to move there so his family could assist his wife in raising his 2- and 5-year-old sons. His older son is autistic.
"It's always hard to leave kids," said Smith, who moves to Perry next month regardless if he gets the Taylor...


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The breadth and coverage of analytical expertise in the IEA Technology Collaboration Programmes (TCPs) are unique assets that underpin IEA efforts to support innovation for energy security, economic growth and environmental protection. The 38 TCPs operating today involve about 6 000 experts from government, industry and research organisations in more than 50 countries1.
Fluidized Bed Conversion (FBC TCP)
Building larger fluidized bed boilers reduces emissions
The FBC TCP aims to support dissemination of research results on fluidized bed conversion technology, thereby advancing the knowledge of national experts and industry professionals. The increased size of recent fluidized bed coal power plants has resulted in improved efficiencies and lower GHG emissions.
Compared to traditional coal-fired power plants, fluidized bed boilers are designed to maintain the coal in a fluidized motion in order to burn the coal thoroughly and to achieve a constant temperature in the boiler. This results in efficient combustion and a higher, regular production of steam (and electricity) over time.
By adding absorbent materials such as limestone or dolomite into the combustion chamber, it is possible to reduce the SO2 emissions by up to 90%. The NOx emissions are inherently low but may be further reduced with additional processes. Furthermore, coal can be burned together with biomass and waste fuels (e.g. coal discard, rubber) at a high efficiency of combustion.
To accelerate further development of this technology, the experts participating in the FBC TCP activity share recent progress with their respective fluidized bed pilot plants (designed according to the local fuel supplies) through regular symposia. These information sharing opportunities have contributed to larger and more efficient boilers, from the original pilot plants in the early 1980s to the larger, commercial-scale boilers capable of providing electricity to the grid. While design and construction of large-scale boilers benefits from the experience of building smaller boilers, there is currently less experience with operations and detailed behaviour of the large-scale boilers.
The 69th symposium of the FBC TCP (Beijing, China) focused on recent developments concerning new large-scale boilers. Large-scale application has been of particular interest as several of the participants (e.g. Tsinghua University of China, the Korean Electric Power Corporation, and Czestochowa University of Technology) are directly engaged in the design and evaluation of large-scale fluidized bed boilers.
Tsinghua University has substantially contributed to the design of the world's largest fluidized bed boiler (600 megawatts electrical [MWe]) in Baima, China. After construction the first testing was carried out in October 2013. Operational data observed during a 168-hour test period were consistent with design values. The SO2 and NOx emissions were lower than the national requirements. However it was noted that by reducing and harmonising the size of the coal fed into the boiler, the combustion process could be improved. Some ash leakage was also noted.
In Yeosu, Korea, the performance of a 340 MW fluidized bed boiler, which had been in operation since 2011, was evaluated by using the model originally created by the FBC TCP. The calculated results were comparable to the measured values from the plant. It was found that by changing the ratio of pressure to air intake that the boiler performance (temperature, pressure, GHG emissions) could be improved. Presentations from the symposium may be viewed on the website of the FBC TCP.
- Co-firing and ash problems
- Energy crops and fluidized bed conversion
- Fluidized bed design aspects
- Mathematical, three-dimensional modelling
- Recent trends in participating countries
- Sewage sludge conversion
|IEA member
| Partner
|Contracting Parties
For more information: www.iea-fbc.org
Related News & Events
1. Information or material of the IEA Technology Collaboration Programmes, or IEA TCPs (formally organised under the auspices of an Implementing Agreement), including information or material published on this website, does not necessarily represent the views or policies of the IEA Secretariat or of the IEA's individual Member countries. The IEA does not make any representation or warranty (express or implied) in respect of such information (including as to its completeness, accuracy or non-infringement) and shall not be held liable for any use of, or reliance on, such information.


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August 16, 2013 23:37 ET
OTTAWA, ONTARIO--(Marketwired - Aug. 16, 2013) -
Product photos are available at http://bit.ly/146KZ2z.
The Canadian Food Inspection Agency (CFIA) and Elite International Foods Inc. are warning people with allergies to mustard not to consume the Margaritaville brand dressings described below. The affected products contain mustard which is not declared on the label.
The following products are affected by this alert:
These products have been distributed across Canada.
There have been no reported illnesses associated with the consumption of these products.
Consumption of these products may cause a serious or life-threatening reaction in persons with allergies to mustard.
The importer, Elite International Foods Inc., Calgary, Alberta, is voluntarily recalling the affected products from the marketplace. The CFIA is monitoring the effectiveness of the recall.
For more information, consumers and industry can contact the CFIA by filling out the online feedback form at http://www.inspection.gc.ca/contactus.
For information on common food allergens, visit the Food Allergens web page at: http://www.inspection.gc.ca/food_allergies.
For information on all food recalls, visit the CFIA's Food Recall Report at: http://www.inspection.gc.ca/recalls.
To find out more about receiving recalls by e-mail, and other food safety facts, visit: www.foodsafety.gc.ca. Food and consumer product recalls are also available at http://www.healthycanadians.gc.ca.
CFIA Media Relations613-773-6600
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Next month, iconic Eagles guitarist Joe Walsh will help induct Country Music Hall of Famer Vince Gill into Guitar Center's RockWalk, located at the music retailer's flagship store in Hollywood. Vince will leave his handprints alongside other legends like Johnny Cash, B.B. King, Eric Clapton and others on Sunset Boulevard.
"I've always been grateful to be able to spend my life doing what I love to do," Vince says, "and to be recognized in such a monumental way — cemented next to the legendary artists reflected on the RockWalk — is a moment I could never have imagined when I picked up that very first guitar."
The ceremony will take place February 4 at noon, leading up to the release of Vince's new album Down to My Last Bad Habit on February 12. He also sets out on a 13-city acoustic tour with Lyle Lovett next month.
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This is the first module in the Solar Dynamic Observatory (SDO) Project Suite curriculum. Activities are self-directed by students or student teams using online videos and data from the SDO satellite to explore, research and build knowledge about... (View More) features of the Sun. Students build vocabulary, apply or demonstrate learning through real world connections, and creating resources to use in their investigations. Each activity comes with both a teacher and student guide with sequential instructions and embedded links to the needed videos and internet resources. Activity 1A: Structure of the Earth's Star takes students through the features and function of the Sun's structures using online videos, completing a "Sun Primer" data sheet using information from the videos, and creating a 3D origami model of the Sun. Students use a KWL chart to track what they have learned. Activity 1B: Observing the Sun has students capture real solar images from SDO data to find and record sunspots and track their movement across the surface of the Sun. Activity 1C has students create a pin-hole camera to use in calculating the actual diameter of the Sun, and then calculate scales to create a Earth-Sun scale model. Students reflect on their learning and results at the end of the module. An internet connection and access to computers are needed to complete this module. See related and supplementary resources for link to full curriculum. The appendix includes an alignment to the Next Generation Science Standards (NGSS). (View Less)
Materials Cost: $1 - $5
This is the third module in the Solar Dynamic Observatory (SDO) Project Suite curriculum. Each activity is self-directed by students or student teams and utilizes online videos, data from the SDO satellite and hands-on activities to explore,... (View More) research and build knowledge about how the Sun's varying activity impacts Earth and space weather. Each activity provides opportunities to build knowledge and vocabulary, apply or demonstrate learning through real world connections and create resources to use in investigations. Both a teacher and student guide are included with sequential instructions and embedded links to the needed videos, tutorials and internet resources. In Activity 3A: Sun-Earth Interactions, students gather information from online videos and create a 3D model to demonstrate the relationship to Earth's place in space and the affect of Earth's axial tilt on our seasons, then film a short video explaining the reasons for the seasons. Activity 3B: Space Weather, students use online videos to gather information on what space weather is, and its causes and effects, to create a concept map. They then use real-time SDO data to forecast space weather. Activity 3C: Solar Research in Action! Make a Magnetometer has students view information in online videos about to Earth's magnetosphere and the impacts of space weather, then create a magnetometer to detect and visualize changes in the Earth's magnetic fields to monitor solar storm impacts. A computer for student-teams and access to the internet are needed for this module. See related and supplementary resources for link to full curriculum. The appendix includes an alignment to the Next Generation Science Standards (NGSS). (View Less)
This is the fourth and culminating module in the Solar Dynamic Observatory (SDO) Project Suite curriculum. Student teams use information and resources from the other three modules in the project suite to create a 3D interactive solar exhibit to... (View More) educate others about the Sun and how SDO informs scientists about the Sun's activity, structures and features, and Earth-Sun interactions. Students then self-evaluate their team's solar exhibit. Both a teacher and student guide are included, as well as tools for students to self-direct and track project process, and record reflections and information. A computer for student-teams and access to the internet are needed for this module. See related and supplementary resources for link to full curriculum. The appendix includes an alignment to the Next Generation Science Standards (NGSS). (View Less)
Learners will identify, become familiar with and use the Engineering Design Process, use the engineering design process to sketch a reasonable drawing of the rover that will be built, use the steps of the engineering design process to build a Mars... (View More) Rover prototype, develop a concept map to communicate requirements and features of the rover. The lesson uses the 5E instructional model and includes: TEKS Details (Texas Standards alignment), Essential Question, Science Notebook, Vocabulary Definitions for Students, Vocabulary Definitions for Teachers, three Vocabulary Cards, and a concept map Mini-Lesson. This is lesson 11 of the Mars Rover Celebration Unit, a six week long curriculum. (View Less)
Learners will review the structure, content and size of the Solar System. This lesson is designed using the 5E instructional model and includes: teacher training, unit pacing guides, essential questions, a black-line master science notebook, a... (View More) student presentation booklet, supplemental materials, and vocabulary for both students and teachers. This is lesson 1 of the Mars Rover Celebration Unit, a six week long curriculum. (View Less)
Materials Cost: $1 - $5 per group of students
In this activity, students engage in an ongoing investigation to find patterns of sunlight and shadow in a classroom (or any room that gets sunlight) at different times of the day and different times of the year. Students look for repeating... (View More) patterns, keep a log to describe and sketch observations of when and where certain easily recognized patters appear and turn the room into a solar calendar that may survive into the future for other classes to use. Part 1 of this activity requires occasional note-taking and casual observation over the course of a day. Part 2 requires 30-60 minutes to create the calendar record, then casual observation and note-taking throughout the school year. The lesson plan includes a math extension activity and background information about the Sun Dagger at Chaco Canyon. This activity is the third lesson in the Ancient Eyes Look to the Skies curriculum guide. (View Less)
Materials Cost: 1 cent - $1 per group of students
This activity explores how ancient Sun observers made use of natural and built structures to mark solar alignments observed at different times of the year, particularly around the solstices and equinoxes. In Part 1, the teacher prepares a horizon... (View More) table that represents the Earth's horizon. In Part 2, students create functioning models of an existing ancient solar observatory or design their own observatory. In Part 3, students test their model using the horizon table and a flashlight as the Sun. The lesson includes discussion questions, background information about Maya astronomy, a checklist for science notebook write-ups, and a math extension activity that measures shadows. This activity is the seventh lesson in the Ancient Eyes Look to the Skies curriculum. (View Less)
This is a lesson about measuring temperature. Learners will apply their knowledge of how temperature affects matter to understand how a thermometer works. They then read about the history of the thermometer and the temperature scales that make the... (View More) information from the thermometer meaningful. The lesson models scientific inquiry using the 5E instructional model and includes teacher notes, prerequisite concepts, common misconceptions, student journal and reading. This is lesson 6 in the Astro-Venture Astronomy Unit. The lessons are designed for educators to use in conjunction with the Astro-Venture multimedia modules. (View Less)
Learners will design and conduct experiments to answer the question, "how does distance and inclination affect the amount of heat received from a heat source?" They will measure heat change as a function of distance or viewing angle. From that... (View More) experiment, they will identify how the MESSENGER mission to Mercury takes advantage of these passive cooling methods to keep the spacecraft comfortable in a high-temperature environment. This is lesson 3 from MESSENGER Education Module: Staying Cool. Note: the student guide starts on p. 24 of the PDF. (View Less)


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Erica Jong: Is Attachment Parenting a 'Prison'?
In Saturday's Journal, author Erica Jong had a provocative essay (and related video) against "attachment parenting"—the child-rearing method promoting virtually round-the-clock connection with a baby. Jong argues that attachment parenting, most notably espoused in the bestselling "The Baby Book," by William and Martha Sears, is unfeasible for working mothers and puts undue pressures and guilt on parents. "You wear your baby, sleep with her and attune yourself totally to her needs. How you do this and also earn the money to keep her is rarely discussed," Jong writes.
For one thing, strict attachment parenting doesn't really allow for the multiple caregivers—day cares, nannies, family members—that most of us use to help keep our juggles afloat, and which can even "enhance the cognitive skills of babies and young children," by making kids more adaptable, Jong writes. (Her essay reminded me of a scene in the movie "Away We Go," pictured right, in which an attachment-parenting diehard played by Maggie Gyllenhaal recoils in horror at the sight of a stroller, sleeps in a "family bed" with all of her children and even breastfeeds another mother's hungry child.)
Jong echoes Elisabeth Badinter's best-selling French book "Le Conflit: La Femme and La Mere," which we've discussed previously on The Juggle, in saying that societal expectations and pressures for women to do things like breastfeed, make their own baby food and forgo disposable diapers, essentially imprison women and make them feel guilty if they choose other "less natural" parenting styles that may work better for them and their families.
Jong recalls her own experiences as a single mother. If she had fully embraced attachment parenting, she would have had to take her baby on book and lecture tours across the country to constantly be with her child. But instead, she hired nannies, left her daughter home, "and felt guilty for my own imperfect attachment." Her daughter Molly Jong-Fast, a writer and stay-at-home mom of three, provides her own take in a sidebar, thanking her mother for toiling to provide her with the choices she has now: "She worked hard so that the women of my generation could have the choice to work or to stay home. She slept in hotel rooms in San Diego so that I could cuddle with my own children," Jong-Fast writes. "We can devote ourselves to our work, or we can decide to be 1950s June Cleaver types."
While Jong's essay was entertaining and thought-provoking, I thought she set up attachment parenting to be a bit of a straw-man. While I know plenty of attachment-parenting enthusiasts (it's big here in crunchy Austin) I never felt pressured by friends or "society" to adhere to it strictly and instead picked and chose things that worked for me, like breastfeeding and occasionally wearing my babies in a carrier, and eschewed things that weren't a good fit, like co-sleeping. I (and most moms I know) ended up adapting the parenting styles that worked best for us, and most didn't feel particularly guilty about not being with our children round the clock. Indeed we essentially followed what Jong writes: "We need to be released from guilt about our children, not further bound by it. We need some one to say: Do the best you can. There are no rules." Hear hear.
What do you think? Any strict attachment-parenting adherents out there? Do you feel like it entraps parents, especially women, in unreasonable expectations? Or do you think that Jong's concerns are overblown and that most parents feel fine choosing what works best for them? Do you think attachment parenting's possible benefits for babies outweigh any burden on parents?


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Since 1992, Portfolio Financial Servicing Company ("PFSC") has provided uninterrupted portfolio servicing, backup servicing and successor servicing to the markets we serve. We offer our clients exceptional services, robust technology, an experienced and tenured workforce, and a variable cost model that affords our clients scalability, operating efficiency, servicing excellence, and an ability to focus on their core business objectives.
Some financial institutions offer third party servicing as a non-core component of their lending platform. At PFSC, primary, backup and successor servicing is all we do. Because we do not lend money, buy portfolios, originate or broker transactions or accept deposits, there is no inherent conflict of interest when engaging PFSC as your partner.
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PFSC has successfully serviced billions in portfolio value for a diverse client base. Our processes, technology and internal controls are validated during our annual SSAE 16 Type II ("SOC I") audit. We enjoy a high client satisfaction and retention rate and tailor our suite of services to the specific and unique needs of each client.


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Tuesday Morning Virginia Beach VA offers upscale, name brand closeouts for the home at unparalleled savings. Discover our ever changing selection of home furnishings, housewares, gifts, toys, pet accessories and much more! Tuesday Morning Virginia Beach is an upscale, deep discount, off-price retailer specializing in domestic and international, designer and name-brand closeout merchandise....
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Sunday morning
The Sunday morning schedule at St. Stephen's Church includes liturgies from the Book of Common Prayer, hymns from the Episcopal hymnal, anthems sung by our choirs, and excellent preaching. From September through May, Sunday mornings also offer Christian education for all ages.
A nursery is available from 8:45 a.m. until 12:30 p.m., though children are welcome at all services.
At 8 a.m., there is a service of Holy Eucharist: Rite One (more traditional language) along with a sermon. There is no music at this service. Many people enjoy the majestic language of Rite One, and they like to begin the day in worship. This service takes place in the main church.
At 9 a.m., there is a service of Holy Eucharist: Rite Two (more contemporary language, though still a traditional Prayer Book liturgy) with sermon, hymns, and music sung by one or more of our choirs. This service takes place in the main church.
During the academic year (September-May), an additional 9 a.m. service takes place in Palmer Hall Chapel. All are welcome at this Rite Two service, which is somewhat less formal than the service in Fellowship Hall, and is especially attuned to the needs of families with young children. Children have important roles in this service, as choristers, acolytes and readers.
At 10:10 a.m. on Sundays during the academic year, children and youth attend Sunday school (most classes meet on the top floor of the parish house), and adults are invited to the Sunday Forum in the Large Fellowship Hall. Occasionally there will be additional offerings for adults, such as an Inquirers Class, or a Bible study especially for parents.
At 11:15 a.m., there is a service of Holy Eucharist: Rite Two in the main church, and like the 9 a.m. service, it includes a sermon, hymns, and music sung by one or more of our choirs.
An informal reception follows the 11:15 a.m. service.
During the summer, the two large Sunday morning services (9 and 11:15 a.m.) are merged into one 10 a.m. service, and there is no Christian education hour or Palmer Hall service, which return in September. The evening schedule remains the same throughout the year.


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From Gallipolis Ferry, West Virginia, USA:
About three weeks ago I attended a health affair, and my glucose reading was 142 mg/dl [7.9 mmol/L]. I am not aware of any family history of diabetes. I do have an appointment with my doctor scheduled for more thorough blood work. Please express your opinion on the 142 mg/dl [7.9 mmol/L] reading as the paperwork showed anything above 110 mg/dl [6.1 mmol/L] as high.
You do not mention if your blood test was done fasting, before eating, or after eating. That can make a big difference in the interpretation of any blood glucose result. A glucose reading of 142 mg/dl [7.9 mmol/L] done at a health fair, is open to question. You have taken the right steps to discuss this with your doctor and have further testing. If you are genetically at risk for diabetes, then you are already on the right track. Looking for diabetes, by blood sugar test occasionally, is much more proactive than waiting for the classic symptoms to appear.
[Editor's comment: Unless this reading was done in a fasting state, it is normal. SS]
Original posting 13 Jun 2001
Posted to Diagnosis and Symptoms
|Return to the Top of This Page
Last Updated: Tuesday April 06, 2010 15:09:22
This Internet site provides information of a general nature and is designed for educational purposes only. If you have any concerns about your own health or the health of your child, you should always consult with a physician or other health care professional.
This site is published by T-1 Today, Inc. (d/b/a Children with Diabetes), a 501c3 not-for-profit organization, which is responsible for its contents. Our mission is to provide education and support to families living with type 1 diabetes.
By using this site, you agree to our Terms of Use, Legal Notice, and Privacy Policy.
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text: Mass for Marie Jardine, a former teacher-librarian at the Bridge Elemetary School, 3814 N. New England Ave., will be said at 10 a.m. Friday in St. Vincent Ferrer Catholic Church, Jackson and North Avenues, River Forest. Mrs. Jardine died Tuesday in her River Forest home. She retired from Bridge School in 1981. She was the widow of John J. Jardine, who headed The Tribune`s advertising marketing research department before his death in 1958. Mrs. Jardine is survived by a son, John; a daughter, Susan Cronin; a sister; and three grandchildren.


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Chris Brown Breeding and Selling Pit Bull Puppies
It has been reported that popular pop star Chris Brown has been breeding American Pit Bull Terrier puppies and selling them on a website called CB Breeds. Brown has the puppies listed for 1,000 dollars each and the site guarantees that they come with registration, current vaccinations, veterinarian examination, health guarantee, and four generation performance pedigree. His publicist said Brown is just trying to find good homes for a litter his family dogs had in Virginia.
There was a recent release from the Society for the Prevention of Cruelty to Animals Los Angeles stating that Brown is a "backyard breeder" and he should use his publicity to encourage people to adopt Pit Bulls from a shelter rather than sell them himself. The spcaLA President, Madeline Bernstein was quoted saying, "There is no reason to breed and produce more Pit Bull puppies when there are Pit puppies waiting for homes in every shelter in America." (Almendrala)
Because Pit Bulls are commonly known to be used for fighting dogs they tend to have a violent reputation. Families can be put off from adopting them which creates an overflow of these dogs into local animal shelters. People are encouraged to learn that this breed can be loyal, good with children and great companions with the right training and care.
It is up to your own discretion on whether or not he is selling Pit Bull puppies for the "wellbeing of finding them a good home" or if he is doing it for personal profit. Looking into his past of domestic violence and being that he has no experience with breeding animals, what do you think Chris Brown's motives are? Would you buy a Pit Bull puppy from this pop star?


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Yves Louis-Seize
Planéité fluide _Fluid Flatness
September 7 to October 20, 2002
Yves Louis-Seize's sculptures in this exhibition are characterized by their specific relationship with EXPRESSION's large gallery. The exhibition is produced jointly with Plein sud (Longueuil), which, for this occasion, is presenting worked-steel plaques that the artist calls tableaux.
Vernissage Sunday, September 15 at 1 pm (Plein sud) and at 3:00 pm (EXPRESSION).
Presentationby Yves Louis-Seize Sunday, September 22 at 2 pm.
The exhibition Yves Louis-Seize. Planéité fluide is a co-production of EXPRESSION and Plein sud.


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5 ways marketers can appeal to modern medical practitioners
Medicine is an ever-changing field, so the people in charge of making buying decisions for any health institution may radically alter their preferences based on new needs and challenges. Besides constantly evolving marketing guidelines, regulations and laws, marketers must recognize the current generation of physicians and hospital staff have new priorities and preferences.
HealthLink Dimensions' Annual Healthcare Professional Communication Report 2016: Insights on the Information Professionals Crave gathered the opinions of physicians and nurse practitioners to see what today's health professionals want from communication channels and marketing content. Here are five lessons you can take from the report and how to apply them to daily practices:
1. Recognize millennial physicians
One of the first factors medical marketers must take into account is the rising number of millennial physicians. Industry findings cited by the study showed a quarter of the American Academy of Family Physicians' members are age 39 or younger.
A primary difference between this generation and the last is they grew up with the Internet and quickly adapted to mobile technology. MediaPost suggested most doctors read communications while on the go, as opposed to in their office. They prefer mobile devices for this reason, so a marketer's content must display properly on smaller touch screens.
2. Start with email
The report also found email is still the preferred communication channel for most physicians and nurse practitioners. Of the hundreds of medical professionals surveyed, 68 percent favored email communication. Direct mail and in-store visits shared second place, with each scoring 11 percent.
What's interesting is that while many industries fear email will fall out of popularity, it's only seen increased interest in the medical field. The number for email preference has grown by 3 percent since HealthLink Dimensions' 2013 survey. Marketers would be wise to keep an eye on new communication channels, but still reserve plenty of time and resources for inbox campaigns and interesting, relevant email content.
3. Go social
While social media is not a preferred channel for regular medical communications yet, there is interest in it. HealthLink found 58 percent of respondents said they plan on using social platforms in future interactions with medical device and pharmaceutical manufacturers.
BioPharmaDive said suppliers posting research and educational materials on social sites may be a way to address the distrust among physicians. About 52 percent of healthcare professionals believe direct to consumer advertisements made by pharmaceutical companies are dishonest. If, however, the vendor shares information on third-party social media pages, it may appear more educational than manipulative.
4. Provide consistent, valuable information
Physicians want educational content from partners. Three quarters of respondents to the HealthLink survey desired information about ongoing education opportunities provided by medical manufacturers, and almost 80 percent will use healthcare company and patient advocacy education and support materials.
5. Make a good impression with accuracy
Relevant and accurate information is not just important for the content of email campaigns and other messages, but for email lists as well. Sending data to the wrong person or health institution makes an organization appear disinterested and careless.
Common sources of addresses and names, such as online directories and government agencies often contain bad data. For example, it is estimated that 63 percent of contact information in the Centers for Medicare & Medicaid Services' NPI registry may be out of date. It's important that marketers have an accurate information source and a solution in place to inspect, audit and cleanse details during medical email marketing or other campaigns.
To read more insights and view the entire report, click here to download the Annual Healthcare Professional Communication Report 2016.


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T cells functional subsets and cytokine-based immunotherapies: from HIV infection to autoimmune diseases.
Associate Professor Di Yu, The Yu Group - T-cell Immune Mechanism, Monitoring and Modulation (TIM3), JCSMR, ANU
The sophisticated immune defence mechanisms are essentially orchestrated by T cells. Not only can T cells directly kill infected and cancerous cells, but they also, through multiple subsets, fundamentally control the activation and function of other immune cell types. Therefore, targeted regulation of T cells subsets can efficiently modulate immune responses to treat many human diseases.
Very recently, my group discovered a novel subset of CD8+ T cells, termed 'follicular cytotoxic T cells' (Tfc cells). For the first time, we demonstrated that Tfc cells express B-cell follicle-homing chemokine receptor, CXCR5, which enables them to migrate to B cell follicles and eradicate infected follicular helper T (Tfh) cells and B cells. Tfc cells' specific function to control the infection of Tfh cells was soon verified by several following studies on simian immunodeficiency virus (SIV)-infected macaques and human immunodeficiency virus (HIV)-infected humans. Therefore, promoting Tfc cell function to eliminate the key latent HIV reservoir in Tfh cells paves the way toward a potential functional HIV cure. Importantly, we found interleukine-2 (IL-2) specifically inhibited the differentiation of Tfc cells, which might explain the failure of IL-2 Immunotherapy to benefit HIV-infected individuals already taking antiretroviral therapies. On the other hand, IL-2 immunotherapy was shown to benefit patients with lupus in a clinical study conducted by rheumatologists and my group. Such low-dose IL-2 immunotherapy in autoimmune disease promoted the function of regulatory T (Treg) cells but suppressed pro-inflammatory Tfh and IL-17-producing helper T (Th17) cells.
These examples demonstrate the knowledge for the molecular mechanisms by which T cells control the competence and balance of the immune system could be utilised to design new strategies to modulate the immune system to treat autoimmune disease, infection and cancer.
Date & time
The Finkel Lecture Theatre, The John Curtin School of Medical Research, Building 131 Garran Road, ANU


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Kaleidoscope Faces are a Cotswolds based innovative and dynamic business who can enhance your event or party with our stunning wow factor entertainment
We provide Professional Face Painting - Balloon Modelling - Henna Art - Body Art - Glitter Tattoos and Training Courses.
We provide our entertainment services for both corporate and private events and pride ourselves on the high standard of service provided.
Erica, lead artist and owner is an award winning face and body artist who is a published artist,member of FACE the international face painting assc also a member of Equity the artists trade union and holds 10 mil Public Liability Insurance. Erica has a delicate and intricate style and her beautiful face painting will wow your guests and clients for all the right reasons.
We cover Cotswolds, Gloucestershire, Oxfordshire, Wiltshire, Somerset, Hampshire and Dorset
Browse the website and find out how we can add some colour to your event.
Telephone: 01367 253891 Email : email@example.com


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Ice Cube to star in Oliver Twist musical
- Bang Showbiz
- 26 October 2016
Ice Cube is set to star in a new 'Oliver Twist' musical for Disney Studios
Ice Cube is set to star in a new 'Oliver Twist' musical.
The rapper-turned-actor is teaming up with Disney Studios and 'Hamilton' director Thomas Kail for a new movie based on Charles Dickens' famous work, according to the Hollywood Reporter.
Cube is set to play Fagin - who teaches children to make their livings by pickpocketing and other criminal activities - and he will also produce the movie through his Cube Vision company.
Marc Platt and Jeff Kwatinetz will join him as producers on the project and Kwatinetz and Cube have started writing the treatment for the movie, which is set to feature a number of different musical influences, including hip-hop.
The novel tells the story of the orphan Oliver, who escapes to London where he joins a gang of juvenile pickpockets led by Fagin.
It was already adapted by Disney as an animated movie in 1998 and has found huge success on stage as a musical.
Meanwhile, it was recently revealed that Ice Cube and co-star Kevin Hart are expected to return for 'Ride Along 3'.
Director Tim Story revealed a script for the forthcoming movie is in development by screenwriters Phil Hay and Matt Manfredi, and the filmmaker is "impatiently" waiting to see what the scribes have come up with next for the comedy duo.
He said: "We're writing the script right now, we're writing away and basically, I'm waiting to see some pages and we're excited for the idea and what it can be and of course bringing Kevin [Hart] and Ice Cube back together because they are the greatest odd couple in the world.
"I'm impatiently waiting for a script to be given to me. We have some great ideas."
Story directed the first two 'Ride Along' movies which have both been success stories, grossing more than $225 million at the US box office alone.
The first motion picture in the franchise was released in 2014 and saw Hart's character Ben Barber go on a police ride along with his girlfriend's brother, officer James Payton (Cube), to prove to his significant other's sibling that he is worthy of marrying her.
'Ride Along 2' was released in January 2016 and saw Hart and Cube's characters head to Miami to try to bring down crime lord Antonio Pope (Benjamin Bratt) and his hacker A.J. (Ken Jeong).


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Very rare Harrington and Richards Arms co single barrel 12 bore shotgun. 32" barrel, inscribed to side 'Harrington & Richards Arms Co Worcester Mass Feb 27 1900'. Any H&R firearms from this period fetch a premium price due to their scarcity, see history of H&R given below.
Fully deactivated to EU 2016 Spec. ,comes with deactivation certificate can be 'broken' and dry fired. Simple manual hammer cocking. Very unusual item.
Photo shows actual item.
Note regarding the 2016 Euro+ Specification: Shotguns, Rifles and Pump Action shotguns differ little in their specification from the previous UK specification, the differences which can be noted are;Shotguns, double and single barrel-No appreciable difference
Pump Action Shotguns-less deactivated than previously, no crimp to tube magazine and retains spring otherwise the same.
Rifles with internal magazine (e.g. Mausers)- No real difference, action still works, lower level of deactivation than previously as barrel slot is very short.
Rifles with detachable magazine (e.g. Lee Enfields)-as above but a thin pin across magazine well and a slot in the magazine.
The history of Harrington and Richards is given on Wikipedia as follows:
In 1875 Harrington and another former Wesson employee, William Augustus Richardson, formed the new Harrington & Richardson Company. In 1888 the firm was incorporated as The Harrington & Richardson Arms Company. Their original capital investment was ,000. Harrington was president, Richardson was treasurer, and George F. Brooks was secretary. After the deaths of Harrington and Richardson in 1897, Brooks became the manager and the company was held by heirs Edwin C. Harrington (Gilbert Harrington's son) and Mary A. Richardson (William Richardson's sister).
In 1894 the company opened a new facility on Park Avenue in Worcester, Massachusetts. The factory was expanded again after a few years. The firearms produced through this time to 1911 carry extreme value as original antiquities. Original rifles and shotguns from these dates are scarce because of their limited production and discontinued parts.
In 1950 the company opened a new facility on Cockburn street in Drummondville, Québec, Canada.
In the 1960s H&R was acquired by the Kidde corporation and run by the Rowe family. Warranty cards were sent to 'Industrial Rowe', Gardner, Massachusetts. The original H&R company went out of business in 1986, and the building was demolished.
A new company, H&R 1871, Inc., was formed in 1991 and started production of revolvers, single-shot rifles and shotguns using original H&R designs. H&R 1871, Inc. assets were subsequently sold to H&R 1871, LLC., a Connecticut LLC owned by Marlin Firearms Company in November 2000. H&R 1871, LLC. did not extend their product warranty to H&R guns made prior to the LLC's takeover.Marlin, including all its H&R assets, was later acquired by Remington Arms Company in December, 2007. H&R 1871, LLC production was moved to Ilion, N.Y. (the site of Remington's original manufacturing plant) in late 2008, while their corporate offices are co-located with Remington Arms in Madison, N.C. (HR1871.com and Remington.com).Remington, along with its Marlin and H&R subsidiaries, are now part of the Freedom Group. H&R 1871 production ceased 27 February 2015.


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Most runners have a love-hate relationship with their feet. Because runners' feet endure the brunt of the repetitive pounding of the sport, black or missing toenails, blisters and callouses can result from a long run or race. But there are more sinister ways that foot pain can stop runners in their tracks: stress fractures, tendonitis and soreness that isn't "normal."
The foot is an incredibly complex extremity made up of a network of bones, tendons, ligaments and muscles that all have to work together in harmony. One disgruntled cog, and the whole machine can stop functioning.
Plantar Fasciitis
Nearly every runner knows the plantar fascia tendon that runs lengthwise across the bottom of the foot. Plantar fasciitis is that sharp, stabbing pain at the bottom of your foot. As with all tendonitis issues, the beast can rear its ugly head sometimes out of nowhere and drag on for what feels like an eternity.
An overuse injury, plantar fasciitis can be caused by a biomechanical issue, improper running shoes, increasing training volume or intensity too quickly, or even from tight or weak calf muscles—the body is an interconnected machine, after all.
Treating plantar fasciitis is a matter of identifying what your root cause is, making sure you're running in shoes that offer enough support, and possibly using an insert or orthotic.
"I developed plantar fasciitis during my racing season and looked to inserts since taking time off was not yet an option," says Sergio Gonzalez, PUMA athlete ambassador, who has run 3:48 for 1500 meters. "I found the RUNPRO by currexSole to be extremely beneficial. The precise fitting system helped me select the correct insert for my aching foot, while the dynamic support allowed my foot to flex and function naturally, giving my foot the comfort it needed to move through its normal range of motion and heal at the same time. I noticed a difference rapidly."
Treatment is ongoing, and once the pain subsides, runners who are prone to plantar problems should continue to stretch the feet, and roll the affected foot on a tennis ball or frozen golf ball.


text: We'd like to figure out what's causing this bug for you, but we haven't heard back from you in a while. Could you please provide the requested information? Thanks! ** Visibility changed to: Public -- empathy crashed with SIGSEGV in g_slice_alloc() https://bugs.launchpad.net/bugs/651830 You received this bug notification because you are a member of Telepathy, which is subscribed to empathy in ubuntu.