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Reference to Doctor especially in Calgary, Edmonton, Vancouver, Victoria?
Hi all. I'm US nursing student, set to become a Canadian nursing student as soon as I go through immigrations, because my Canadian husband recently moved back up to Canada because his health worsened quite a bit.
Unfortunately, his health condition has been a big mystery to every one of the six or seven docs who have tried to diagnose him over the past five years. And now he has free health care again since he's been in Canada over 3 months, but he's in a remote area that only has specialists rotate through once every three months (where his family is). He is considering moving elsewhere in Canada to get better medical attention, but where?
I was wondering if I could get a referral to a Canadian doc who, in your experience, is great at addressing ambiguous possibly autoimmune diagnoses and treatments as well as heart issues? My husband has had a high ANA test for years, as well as a host of problems with his joints, energy, and skin. However, all tests specific to lupus scleroderma etc. have been negative. Now in addition to all his other problems he has A-Fib, pain in his chest, and shortness of breath. He's only 32.
It would also be great if the doc also had a certain kind of personality. My husband is pretty charming and good at relating to all types of people normally, but when he's stressed out (and he's stressed out about his health), he does better being around people who have gentle, humorous, interested, listening bedside manners.
So, that's the situation in general. I'm willing to email more specific symptom information on request, outside the public thread. Any references you have would be wonderful!
About Cinquefoil, BSN, RN
Joined: Oct '08; Posts: 198; Likes: 242
Specialty: 2 year(s) of experience in Med Surg, Home HealthJun 6, '09Cinquefoil, it seems you're seeking medical advice here. That's well beyond the scope of this forum and this website. I'm very sorry your husband is going through all this and would like to suggest that you/he contact the Alberta College of Physicians and Surgeons and the British Columbia College of Physicians and Surgeons for their advice on how to obtain care for him. Just as a comment, I get the impression that you're a little uncertain about the sheer size of Canada because your question implies a small-town everybody-knows-everybody-else kind of approach. Sure there are lots of Canadian nurses who post here who live in either Alberta or BC, but just the province of Alberta is at least as big as Texas, and I'm pretty sure that Texan nurses couldn't give you that kind of specific information either. Anyway, the Alberta College's website Find-A-Physician link shows 16 rheumatologists in Edmonton and 22 in Calgary. That's where you might want to start.Jun 6, '09Sorry, wasn't aware that what I was asking was outside the scope of this site. Not looking for medical advice, but I guess nurse's impressions of doctors are out of bounds too, then. I can see why that might be the case, but wish it wasn't.Jun 6, '09Also, can you honestly say that contacting the college of doctors in any province would get me a reference to the best doc for my husband, or simply the one most in favor with the Colleges? I will continue to ask nurses in Canada for their impressions of the doctors they work with, just not on this forum, especially since as my husband is Aboriginal he ultimately needs someone skilled at cross-cultural care. I definitely don't know everything about Canada, but I know that excellent rheumatologists skilled at dealing with Aboriginal patients AND heart issues don't grow on trees. I was willing to network as part of my search.
I will use the references you gave me, but can you really say they're a solution, or another goose-chase?
I understand that nurses do not know everyone. Are you also familiar with the saying "Six degrees of separation?" Asking randomly is better than never asking at all. I was taking a chance, the chance didn't pay off, and I've only lost the time it took to type this.
As I said before, I'm sorry that I didn't know this forum wasn't an appropriate location. It's been a while since I signed the user's agreement. I won't make that mistake again.
What I wish is that you could have shown a little emotional sensitivity in your response to me, and perhaps avoided implying I was some sort of hick rube unaware of the scale of my question. This is my dearly beloved husband who is ill, after all, and what would it have hurt you to show an ounce of sympathy?Jun 6, '09Sorry, on rereading the post, I saw that your providing the references, plus saying "I'm sorry" DOES qualify as an ounce of sympathy. I guess in my emotional state I was looking more for a few more ounces, but that's not your fault....Jun 6, '09I understand that you are stressed but I think you were unfair to Jan.
I read your post soon after you posted and my first though in all honesty was "does she have any idea of how far apart those four cities are?"
"A certain kind of personality" means many different things to different people. My GP is great to me and my family BUT I've heard from others that he is terrible. The same with surgeons that I work with. I've seen some of their patients who have nothing but bad things to say while others praise the ground they walk on.
If your husband has treaty status, the band health office is probably the best place to start.Jun 6, '09Just wondering if you need a referral from a family Dr. to see a specialist in Alberta or British Columbia?. We do require a referral in Ontario to see any specialist and it is only good for one year. Is there a shortage of family Dr.'s out west?
The difficulty that we are having in many parts of Ontario is that there is a very severe family Dr. shortage. In my city of 300, 000, there are no GP's accepting any patients at all. I don't think there is as severe a shortage of specialists in some areas but the wait times can be up to a year for some specialties. I drive one hour and fifteen minutes to see a dermatologist for my teenager.Jun 6, '09Yup, Linzz, you need a referral letter from your GP or NP to see a specialist. Most I've worked with refer you to the specialist of your choice if you can give them a reason why you want to go outside "their" circle of specialists.
From what I've seen if your condition is urgent enough, you go straight to the top of the appointment list.
I'm not sure how cross border referrals work. That's why I said if her husband has treaty status the band health agency would probably be the way to go. It's not like we still have dedicated "Indian" hospitals like the old Camsell in Edmonton.Jun 6, '09Cinquefoil, if we allow the posting of individuals' names on this forum when the purposes are to praise them, it's hard to then NOT allow the posting of individuals' names when the purpose is to defame them. In the same way, because this forum is open to anyone with a computer and web access, the possibility of any sort of harm to people who are identified in such a manner can't be ignored. However, if there is someone with information they can provide to you about individual physicians who would be suitable to treat your husband, there's nothing stopping the private sharing of that info.
I totally understand your desire to find the best care for your husband; his illness is obviously causing a great deal of stress to all of you. As Fiona59 says, if he has treaty status, his band health office can and should be providing some guidance in this quest. They would have at least a little knowledge of which specialists others from that comunity have been referred to before and in small communities like most First Nations communities, there is a lot of comparing notes that goes on. If anyone has had a particularly good or bad experience, someone else in that community will know. Also, if the physician he is eventually referred to is practicing through a tertiary care facility anywhere in Alberta, for example, there will be an Aboriginal Services department there that will act as a support and resource to him and to you. And as a First Nations Canadian, he would have been covered for his health care the minute he crossed the border back into Canada, since First Nations' health care is a federal and not provincial programme. It's awful that that was overlooked, because he could be much farther down the road to recovery had he known that. It's a horrible thing to be so sick and not have any idea just why you are and to be untreated because of it. He's lucky to have someone like you who understands him so well. I hope he finds the help he needs so that he can at least have a diagnosis. Best wishes in your search.Jun 6, '09Sorry again. I think (read on for proof) that I have a good idea of how far apart these cities are. I chose them not for their geographical proximity but for the fact that they're large urban centers where my husband has family he can stay with. In the past, I've read posts from people from all of those cities in this forum, so I don't see why it's striking anyone as strange that I should expect to reach the nurses of all of these cities at the same time by posting on this forum. Why do the cities have to be close to each other for my strategy to be reasonable on an online forum? Is this due to a nuance of the Canadian health care system that I don't understand?
My husband and I are aware that he would have to live in any province for a while before he got health care there. He's willing to do that if it means he gets better care than he's currently getting.
It's great that your GP is great to you. I understand not all docs are the same way to everyone. In the end, the responsibility of finding the right fit lies with the patient. Still, someone who is at least great to a few people is at least a lead worth investigating further. And I was also asking about clinical experience with certain, very rare types of cases. I was simply casting my net widely, instead of narrowly, as at this point my husband could feasibly move to any one of those cities.
The band health office is in the same remote location he's in right now - what could they do?
Perhaps if he contacts other Nations' band offices in some of those cities, though....so thank you for the idea.Jun 6, '09Thank you, Teambuilder. I absolutely agree about the names, now that I stop to think about it.
And holy !!!!!!! I can't believe he's had free health care this whole time! That is actually the best news I've had all day! So in theory could he move to any of these cities and instantly get free care? Or is that only if they have a First Nations facility?
My husband hasn't directly asked the band office yet, so maybe given what you've shared with me he could. On the other hand, his Mom works at the band office, and no Native person in her social circle that he's asked has been able to even tell him about anyone else they know who has suffered a similar condition. But maybe he's just asked the wrong people so far.
He's pretty far North right now. He's had no trouble finding a GP but the GP has already pooh-poohed any connection between his autoimmune symptoms and heart troubles...and this is without seeing any records or running any tests. So he's not likely to get a referral there and may have to find another GP to even have a hope of a referral.
Last time I talked to him he was really depressed because he's sick of being a young man with the body of a sick 55 year old, and I can't afford to be in Canada until I get PR status or at least a work permit, so I'm stuck a five day drive away, trying to do what I can from this end.Jun 6, '09And THANK YOU all those who are sharing some of the intricacies of the Canadian medical system especially re: First Nations with me here, especially Teambuilder. That is GREAT info, better even than any references, and extremely, very, wonderfully helpful!Jun 6, '09Umm... the band office and the band health office or nursing station are different things. The band office is like city hall in any other sort of community; they deal with civic administration. The nursing station is the clinic or hospital in the community; they're usually staffed by nurses around the clock and have physicians on site on a rotating basis except for the larger communities where they'd have a more comprehensive health centre. The nursing station is the first contact in the system for Fisrt Nations residents. They act as the primary care practitioner in the community and as a liaison between the community and the acute and tertiary care facilities in the city. As an example, let's say Mary Crowchild lives on a remote First Nations reserve; she isn't feeling well and goes to the nursing station. The nurse takes her history and does some basic examinations. Mary's blood sugar is almost double the desirable so Mary goes back every couple of days to have it monitored until a pattern of hyperglycemia is proven. Mary is then referred by the nurse to a GP in the nearest large town. The GP and staff provide Mary with the initial care for her Type II diabetes and when she returns to the nursing station for followup the nurse there will have her records from the GP's office and knows the treatment plan. S/he provides primary care to Mary and between them they get Mary's blood sugar back to normal. Some time later Mary's urine output drops off and she starts becoming edematous, especially around her ankles. She goes back tothe nursing station where the nurse does some basic tests to discover that Mary's kidneys have become compromised. Mary receives a referral to a nephrologist in the city; the federal government provides transportation to the city and accommodations for Mary and a supporting person so that she can have a renal workup. Mary's kidneys are damaged but not to the point where she needs dialysis. So she returns home with a low protein, low potassium diet with instructions for ongoing followup in the city. So that's how the band health office or nursing station can help your husband find a referral to a specialist while the band office where your mother-in-law works can't.
First Nations health care is not restricted to "First Nations' health facilities". They receive care at whichever health care facility has the services they need and the bill goes to Ottawa. Many of the patients I care for at work are Aboriginal; a lot of them come from the far north. Our hospital has a wonderful Aboriginal Services department; the social workers there work in conjunction with our unit-based social worker to ensure that whatever supports the patient and family need are arranged for and that there is someone who "speaks their language" (even if it's English!) who can help them find their way through the health care maze. We have sweetgrass ceremonies for patients in their rooms (the only hospital system I know of that allows this) and we have a sweat lodge on the grounds. We also will provide for customary or cultural dietary needs.
Now what your husband needs is the initial referral so that he can start making connections and get a diagnosis. Having a name for his problem will help him a lot! It's possible that his autoimmune condition has nothing to do with his heart problem, but without an adequate assessment knowing that isn't possible. And nobody will stop him from looking for a better fit with his GP, so if he has family in a bigger community, maybe he should be paying them a visit. Then while he's there he could just "get sick" and go to a medicentre where they'll say, "Gee, I don't know why you're sick like this, so let's refer you to someone who can figure it out!"
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Christian Kildal Hansen, Store Concept Development Manager wrote, " The intention of the herb wall was to create a focal point which really emphasized our focus on the fresh categories such as fruit and veg. Nothing really feels fresher than fresh herbs. The products are merchandised in stainless steel trays which can be filled with water, hence keeping handling cost down. The messaging is a "helping you choose" guide that tells the customer which herb is suitable for which cut of meat."
I agree, but I'm unsure it has dawned on Americans at the level of connection between flavor, freshness, and pairing herbs play in fine culinary dishes...translated into merchandising. We all enjoy fresh herbs, but little have taken the risk or simple aggressive impact this display creates in U.S. based supermarkets. Unfortunately herbs are sometimes even buried into an unlikely corner on a vendor supplied fixture or awkwardly "planted" next to the tomato run. Most herb merchandising is cliche at best.
I'm impressed with an often underdeveloped category leading the department. Herbs have strong potential if marketed correctly, so let's all take a lesson. Great Job MENY on an innovative step forward in the fresh produce industry. I'm sure Sorrel, Rosemary, and Thyme are very appreciative.

subset: commoncrawl


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Winston Churchill was born on November 30, 1874 to a family that had both a history of political prominence as well as a history of mental illness. When Churchill was appointed Prime Minister of Britain he changed the political strategy. His view of the realistic threat of Germany during WWII was attributed to the way he thought as a result of his mental illness.
Psychiatrist Anthony Storr described Churchill's reaction the Germany in the following way:
"Only a man who knew what it was to discern a gleam of hope in a hopeless situation, whose courage was beyond reason and whose aggressive spirit burned at its fiercest when he was hemmed in and surrounded by enemies, could have given emotional reality to the words of defiance which rallied and sustained us in the menacing summer of 1940."-Anthony Storr
Storr was also quoted saying:
"Had Winston Churchill been a stable and equable man, he could never have inspired the nation. In 1940, when all the odds were against Britain, a leader of sober judgment might well have concluded that we were finished". - Anthony Storr
Winston Churchill called his Bipolar Disorder, his black dog. He didn't given into his black dog at all, instead he used it to his advantage which I find to be very admirable. Below you will find some notable quotes by Winston Churchill. Not only was he a politician but he was a great writer as well. Winston Churchill died in 1965 at the age of 90 as a result of a stroke. Read a more in depth biography of him here: NAMI Winston Churchill Biography
Winston Churchill Quotes:
I don't like standing near the edge of a platform when an express train is passing through. I like to stand right back and if possible get a pillar between me and the train. I don't like to stand by the side of a ship and look down into the water. A second's action would end everything. A few drops of desperation.
You have enemies? Good. That means you've stood up for something, sometime in your life.
If you're going through hell, keep going.
Success is not final, failure is not fatal: it is the courage to continue that counts.
A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty.
Courage is what it takes to stand up and speak; courage is also what it takes to sit down and listen.
Continuous effort - not strength or intelligence - is the key to unlocking our potential.
Never, never, never give up.
Success consists of going from failure to failure without loss of enthusiasm.
History is written by the victors.
History will be kind to me for I intend to write it.
It is a mistake to look too far ahead. Only one link of the chain of destiny can be handled at a time.
Kites rise highest against the wind - not with it.
We make a living by what we get, but we make a life by what we give.
Healthy citizens are the greatest asset any country can have.
I am always ready to learn although I do not always like being taught.
Difficulties mastered are opportunities won.
Let our advance worrying become advance thinking and planning.


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Accessibility Remediation
Websites, Applications, and Document Remediation: Making Existing Digital Content Accessible
In the physical world, businesses and organizations include wheelchair ramps, Braille signage or audio signals, standardized door widths, grab bars, and more. Yet websites, applications, and other digital platforms often exclude potential users and visitors who have disabilities. Digital accessibility empowers individuals with disabilities to independently navigate, browse, use, and otherwise interact with your digital content. Because many organizations don't often think about building in accessibility when first creating a website or app, remediation is often a valid solution for incorporating recognized accessibility standards into existing websites or applications.
Need to talk about your remediation project ASAP? Contact us. We'd be glad to discuss your goals, requirements, and deadlines—and how we can help you achieve WCAG and Section 508 compliance.
What does accessibility remediation entail?
Any accessibility remediation effort will first start with our accessibility audit services. By evaluating and testing your site, application, and documents against WCAG 2.0, Section 508, or other recognized accessibility standards, both your team and ours will have a firm grasp of what accessibility issues need to be addressed and in what priority.
After the audit, we will work with you to develop a roadmap on how to proceed, fully explaining what needs to be done, by whom, in what order, and why. Many digital assets can be remediated directly by either your in-house team or our accessibility specialists; others may need to be recreated or converted to render them fully accessible. Still others may be third-party components that need discussions with the provider to move that component closer to being fully accessible.
What types of digital assets can be remediated?
Accessibility remediation services are available for
- websites
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Accessibility Experience
Microassist excels in accessibility audits and remediation, accessible website and application development,and accessible elearning development. We have considerable history providing application development, training development, and accessibility consulting services to corporations, state and federal agencies, and higher education.
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We are also honored to be an award-winning provider of accessible solutions for web, training and open source products.
Contact us today to see how we can help you with your web, app, and document accessibility remediation needs.
The Threat of Accessibility Litigation is Real. Website Remediation Puts You on the Right Path.
A digitally inaccessible environment, much like a physically inaccessible environment, prevents many with disabilities from experiencing and interacting with your organization's information and services in a meaningful way.
For US-based organizations, not providing an accessible digital experience is increasingly being viewed as violating the Americans with Disabilities Act. Many industries, including retail, banking, real estate, and other industries have been served demand letters or otherwise been litigated against for operating inaccessible sites and platforms that are perceived to discriminate against those with disabilities.
It's not unexpected: As society's fundamental services have moved online, the internet has become a place of public accommodation. With that evolution comes the expectation that web and mobile environments be accessible to everyone so that all may benefit. This means organizations have an increasing responsibility to develop online environments and materials that allow those who are blind or who have visual impairments, are deaf or hearing impaired, or who have mobility or cognitive challenges to successfully perceive and navigate those environments successfully and independently.
Remediating your website, applications, and related files to be accessible and usable by individuals with disabilities or impairments makes your products, services, and information available to more people. It often benefits everyone by providing clearer navigation, improved usability, and giving all users options in how they want to consume your online content (closed captions are quite handy for everyone, as are transcripts and keyboard navigation!). Fixing accessibility issues not only fosters a more inclusive experience for your visitors, it lowers your risk of litigation or complaint, and serves your clients and stakeholders by offering an improved user experience for everyone.
Contact us today to see how we can help your website, electronic documents, and other digital materials conform more closely to recognized accessibility standards such as Section 508 and WCAG 2.0 and make your site more perceivable, navigable, and usable for everyone.


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Something distinctive and exotic, the spice tours of Kerala are known to be a perfect getaway to delve deep into the aromatic plantation as well as the nature's extravaganza. Planning a trip that is not usual and like others? Well, exploring the amazing Nilgiri hills is a wonderful way to nullify the languor of a journey. Indeed, in this regard, planning a trip after the advent of monsoons in the district is the right time that unleashes the beauty of the nature. Heading on to the Idukki district is the perfect choice as the place was known as Land of Spices in India. The onward journey passes through exotic tunnels and reaches to the place that has aromatic fragrance of spice plantations with green meadows lying over.
The environs are engulfed in the varied smells of cinnamon, black pepper, and coffee. Laced with greenery all around and plantation cut in a symmetry, the lazy mist curls through the hills ensures a sensual scene of the nature. In fact, the best part of taking spice plantation tour in Munnar and the adjutant areas will bring to light the procedures undertaken for developing the best of services. Indeed, these holiday ideas are one of the best places to visit in Munnar and an ideal solution to the heat of the plains in Kerala. It unveils mechanism utilized in developing the spices from the raw material. Another destination to check out in the wake of spice plantations is Periyar. The outskirts of the wildlife sanctuary happens to open as the ideal place to check out plantation tours.
The tourists coming to explore the majestic side of plantation tour in Kerala can opt to stay in the cottages covered with straw to get a feel of being a part of the natives. On visiting the spice plantation destinations, the tourists can take a look at the fact that black pepper plants are grown in the home by the villagers living by the roadside. Further to this, one can come across the stretches of cardamom plantations for various kilometres positioned by the road. The best thing about this tour is that the travelers can pick up a couple of fresh cardamom and black pepper from the trees. Going a little further will uncover the cinnamon as well as clove vegetation adorning the landscape.
Well, a spice plantation tour is definitely something exceptional and a perfect way to enjoy the best of vacations. It also brings to light the exotic greenery unveiled in a distinctive manner ensuring high amount of relaxation not just to the body; rather, to the mind also. So, it is always better to take up the tour for experiencing a different side of Kerala.


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Strawberry Chia Jam
A serrano pepper complements the fruitiness of this strawberry jam, which also includes nutrient-packed chia seeds.
- 1 pound (455 g) strawberries
- ¼ cup (60 ml) apple cider vinegar
- 2 Tablespoons honey, or sugar
- 1 Serrano pepper, seeded, halved
- 2 Tablespoons chia seeds
- Place all ingredients into the Vitamix container in the order listed and secure lid.
- Select Variable 1.
- Turn machine on and slowly increase to the highest speed.
- Blend for 45 seconds. Store in a mason jar in the refrigerator.
Nutrition Information
|Serving Size
|1 Tablespoon
|Amount Per Servings
|Total Fat
|0 g
|Saturated Fat
|0 g
|0 mg
|0 mg
|Total Carbohydrate
|3 g
|Dietary Fiber
|0 g
|2 g
|0 g
Strawberry Chia Jam is rated out of 5 by 1.
Rated 1 out of 5 by Karenh from Horrible! Something is missing or incorrect. I got a liquid mess. Taste was okay but ingredients were wasted.
Date published: 2016-09-15


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RV parks in north Arizona are located in some of the most scenic parts of the state. (Photo: desert window image by Jan Ebling from Fotolia.com )
If you plan on visiting any of the major tourist attractions in Arizona, you may need to stop over at one of this area's RV parks to get some rest for the night. Dozens of RV parks are just minutes away from I-40, the major route that runs through the northern part of the state. But, if you are looking for more of a wilderness experience, there are also RV parks in the nearby deserts, forests and mountains.
RV parks along I-40 have full service hookups, pull through sites, restrooms, showers and cable TV. Some can accommodate large RVs with trailers up to 100 feet in length. The parks also offer Wi-Fi or Internet access for free, or a small charge. RV parks in more remote areas, such as the Spider Rock Campground at Canyon de Chelly, charge for showers in their solar powered facilities.
Arizona is known for its Wild West traditions, and you can expect to find many of those activities at the RV parks in this area. The KOA Campgrounds across I-40 have cowpoke cookouts for their guests and a store where you can buy local Indian crafts. The parks also have swimming pools, hot tubs and miniature golf courses.
The RV camping season is year-round in this part of the state. According to the official website for the city of Flagstaff, the city has 288 days of sunshine a year. But, the weather in the winter can be daunting if you are not prepared. The Flagstaff area can get more than 9 feet of snow a year. The rainy season is from July to August, when thunderstorms can drop enough water to cause flash flooding in the canyons.
Expect to pay more at luxury RV parks with more amenities or that are close to popular tourist sites. RV parks do offer special discounts if you are staying a week or longer.
North Arizona has a variety of natural wonders for you to visit that cannot be found anywhere else. The Grand Canyon is the major attraction. But you can also walk around the rim of the world's largest preserved impact site at Meteor Crater, visit the high desert of Sedona or walk through one of the world's largest petrified woodlands at Petrified Forest National Forest.
Leaf Group is a USA TODAY content partner providing general travel information. Its content is produced independently of USA TODAY.


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Last October, satellite images captured the distinctive outlines of some powerful new weaponry at a Saudi runway used for military strikes in Yemen. Three Wing Loong drones had appeared, Chinese-made replicas of the US Predator with a similar ability to stay aloft for hours carrying missiles and bombs.
The same month, another Chinese military drone, the CH-4 Rainbow, appeared in a photo of an airstrip in Jordan near the Syrian border. Other commercial satellite images have since revealed Chinese strike and surveillance drones at bases used by Egypt and the United Arab Emirates.
These images and others now being scrutinized in international defense circles add to growing evidence that military drones exported by China have recently been deployed in conflicts in the Mideast and Africa by several countries, including US allies that the US blocked from buying American models.
Remote Access
Sightings and official reports of Chinese-made Wing Loong and Rainbow drones in the Mideast and Africa, 2016-17
Sources: IHS Jane's Defence Weekly; Bard College Center for the Study of the Drone; Iraq's defense ministry; Nigerian government
For the US, that is a strategic and commercial blow.
The US has long refused to sell the most powerful US-made drones to most countries, fearing they might fall into hostile hands, be used to suppress civil unrest or, in the Mideast, erode Israel's military dominance. The UK is the only foreign country that has operated armed Predators and Reapers, the most potent US systems for offensive drone strikes, according to people familiar with US sales.
The Obama administration, while seeking to facilitate exports under close regulation, led efforts to forge a global "drone code" that would curb proliferation and keep the weapons from misuse.
But China is filling the void. State companies are selling aircraft resembling General Atomics's Predator and Reaper drones at a fraction of the cost to US allies and partners, and to other buyers.
China's sales have enabled multiple countries—including some with weak legal systems and scant public oversight of the military—to use unmanned aerial vehicles to spy and kill remotely as the US has done on a large scale since 9/11.
Among the Pentagon's concerns is that advanced drones could be used against American forces. In Syria, US pilots have shot down two Iranian-made armed drones threatening members of the US-led coalition.
US export policy that is driving partners to buy Chinese "hurts US strategic interests in so many ways," said Paul Scharre, a former Pentagon official at the nonpartisan Center for a New American Security. "It damages the US relationship with a close partner. It increases that partner's relationship with a competitor nation, China. It hurts US companies trying to compete."
China's drone exports are now starting to influence US policy, as American manufacturers and politicians lobby the Trump administration to relax export controls to stop China from expanding market share and undermining US alliances.
The White House National Security Council is reviewing the drone-export process with the goal to "wherever possible" remove obstacles to American companies' ability to compete, a senior Trump administration official said.
"We are attuned to what China is doing," the official said.
Thomas Bossert, assistant to the president for homeland security and counterterrorism, emphasized the effort to balance economics and security. The administration seeks to help US industry while advancing strategic objectives, he said, including "a deliberate approach to our technology sales policy and the protections we put in place to avoid imperiling innocent lives."
China, meanwhile, has its sights on another milestone: building military drones in the Mideast. In March, Chinese and Saudi officials agreed to jointly produce as many as 100 Rainbow drones in Saudi Arabia, including a larger, longer-range version called the CH-5, according to people involved.
Shi Wen, the chief designer of China Aerospace Science and Technology Corp.'s Rainbow, said earlier versions of the aircraft had been exported to the Mideast, Africa and Asia and were proved "on the battlefield," hitting 300 targets in the previous year or so with Chinese laser-guided missiles.
"Our main competitors? The Americans, of course," Li Yidong, chief designer of the Wing Loong, which is built by Chengdu Aircraft Industry Group, said in November at China's biggest air and defense show, in the southern city of Zhuhai.
Behind him, a video screen played animated clips depicting a drone strike on a terrorist base, set to a thumping soundtrack. Nearby, miniskirted models posed with laser-guided missiles.
China's government and drone manufacturers declined to reveal who bought the aircraft. The foreign ministry said Beijing requires strict user agreements—offering no details—and ensures that its arms sales do no harm to regional peace and stability.
"China is paying high attention to the question of the use and export of armed drones," it said. Authorities from Saudi Arabia, Egypt, the UAE and Jordan declined to comment.
China began exporting strike-enabled drones around 2014-2015, heralding a new phase in its arms industry as a global competitor that can influence conflicts and alliances world-wide.
Beijing used to sell mainly low-tech arms to poorer countries; now it is marketing sophisticated items including stealth fighters, and targeting markets once dominated by Russia and the US Sales help Beijing gain leverage in areas where its economic interests are expanding, adding muscle to President Xi Jinping's drive to establish his country as a global power.
China is now the world's third-biggest arms seller by value, behind the US at No. 1 and Russia, according to the Stockholm International Peace Research Institute, or SIPRI.
Maintaining such a ranking depends in large part on demand for China's armed drones, which China has sold to countries including Iraq, Saudi Arabia, Egypt and the UAE, the Pentagon said in a report in June.
"China faces little competition for sale of such systems, as most countries that produce them are restricted in selling the technology" by international agreements, it said.
Key among those agreements limiting American sales is the 1987 Missile Technology Control Regime, signed by 35 nations including the US, but not China. The MTCR limits exports based on an unmanned system's range and how much it can carry—putting tight restrictions on the most powerful American drones.
In 2015, the Obama administration issued new export rules that tried to enable drone exports if buyers agreed to use them in line with international human-rights law.
The rules grew in part from the administration's expansion of drone operations in places such as Afghanistan. The growth spurred concerns about the lawfulness of killings outside combat areas and the ethics of remote-control warfare—including the targeting of Americans, such as al Qaeda's Anwar al-Awlaki in Yemen in 2011.
In an effort to address legal uncertainty and the global precedent it was setting, the Obama administration sought to develop a framework for how governments use such weapons.
In October, after months of US lobbying, 45 countries signed the world's first joint declaration on the export and use of armed or strike-enabled aerial drones. The declaration said misuse of such drones could "fuel conflict and instability" and urged exporters to be transparent about sales and ensure buyers observed laws of war.
In the Mideast, only Jordan and Iraq endorsed the statement.
China didn't sign. Its foreign ministry said the issue was "complicated" and related to "cross-border strikes" as well as exports. It noted that other drone producers didn't sign last year's declaration and deeper talks were needed.
Some of the declaration's proponents worry that several states could relax export rules to compete with China. "This would be a drone-against-drone world driven by profits, not protection of civilians," said Wim Zwijnenburg, a disarmament campaigner for the Dutch group PAX who participated in negotiations on enhancing the declaration. He said China's sales could fuel regional tensions as states act across borders—which can be done with drones at lower cost and less risk to personnel.
The Pentagon estimates China could produce almost 42,000 aerial drones—sale value more than $10 billion—in the decade up to 2023.
Beijing's drone program began with old Soviet designs; more recently, US officials say, China used espionage and open-source material to reverse-engineer US drones. Beijing denies that.
US armed drones are still overwhelmingly considered the most capable, in part because the US satellite infrastructure that controls them is superior. Israel has been the top military-drone exporter for years, according to SIPRI. But Israel has largely avoided selling them in its own Mideast neighborhood.
A Wing Loong, meanwhile, costs about $1 million compared with about $5 million for its US-made counterpart, the Predator, and about $15 million for a Reaper, whose Chinese competition is the CH-5.
Buyers welcome the chance to buy relatively cheap weapons that they say come with fewer restrictions than Western equivalents. Promotional materials from China suggest it has sold Rainbows or Wing Loongs to at least 10 countries.
Satellite imagery viewed by The Wall Street Journal shows Chinese strike and surveillance drones have been used by Saudi Arabia and the UAE in the Saudi-led military intervention in Yemen.
After the Obama administration rebuffed a request from the UAE for shoot-to-kill drones, the Emiratis bought Chinese surveillance drones and equipped them with South African laser targeting systems, according to Danny Sebright, a former Pentagon official and president of the US-UAE Business Council. The UAE has used them to guide missiles from planes for strikes in Yemen, he said.
In Libya, the UAE is using Chinese drones to help support a general who opposes the United Nations-backed government in Tripoli, satellite images indicate. They also show that Egypt's military is deploying Chinese drones in the Sinai Peninsula in its campaign against Islamist militants.
A North Korean drone that crashed in South Korea in 2014 was Chinese-made, according to a UN report. Iraq last year published video of its missile attacks on Islamic State from a Chinese drone, and Nigeria issued footage of a strike by a Chinese drone on the Boko Haram insurgency. An official with Iraq's Joint Operations Command said Iraq has used the Chinese-made CH-4 Rainbow. A Nigerian Air Force spokesman said Nigeria was using CH-3 Rainbows procured from China.
US manufacturers, and their political backers, argue that Washington can no longer prevent drone proliferation.
Weapons makers have been buoyed by President Donald Trump's statements of support for US manufacturing and for a $110 billion arms sale to Saudi Arabia that includes some items that were blocked by the Obama administration. The administration in June approved the sale to India of 22 Guardian drones, an unarmed maritime version of the Reaper.
Bart Roper, executive vice president of General Atomics Aeronautical Systems Inc., said the US is ceding the drone market to Chinese and others "due to obsolete and arbitrary restrictions."
He expressed hope the Trump administration would revise policy to better promote US industry.
In April, 22 members of Congress—led by Rep. Duncan Hunter, who represents the San Diego district not far from where General Atomics is based—asked the administration to approve Reaper exports to Jordan and the UAE They argued that the Arab allies in the fight against Islamic State are buying Chinese drones instead, and that export approval would save US jobs.
In recent months, China has unveiled larger, longer-range drones and tested radar-evading stealth models, according to state media. It has also expanded its marketing, displaying its drones for the first time in Mexico in April and in France in June.
At the Chinese air show in November, two uniformed Saudi officers inspected a CH-5 Rainbow—the model most similar to the Reaper—displayed publicly for the first time. "It's amazing," said one. "This thing can stay up for more than 24 hours."
The CH-5 can in fact operate for up to 40 hours, its manufacturer says—about 50% longer than its American competition.


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Our mission is to create imaginative products and we're happiest when they delight their audiences.
We are thrilled that Revolting Rhymes has been nominated for an Oscar in the Best Short Animated film category. It was a hugely exciting production and it's tremendous that our adaptation of Roald Dahl's classic book has been recognised by the Academy, having recently won a BAFTA award for animation at the Children's Awards, and a Crystal at Annecy among other awards. Directed by Jakob Schuh and Jan Lachauer, and co-directed by Bin-Han To, the film was animated at our Berlin studio and at Triggerfish Studios in Cape Town.
Meanwhile our latest film, The Highway Rat, premiered to acclaim on Christmas Day on BBC One; and we're delighted to announce that our latest production will be Zog for Christmas 2018.
We love strong stories, witty invention and evergreen characters. Our film-making includes animated adaptations of The Gruffalo, The Gruffalo's Child, Room on the Broom, Stick Man, The Highway Rat and Roald Dahl's Revolting Rhymes; feature animation Chico & Rita, romantic comedy Wild Target and natural history documentary One Life.
Our successful Gruffalo merchandising programme boasts over 40 licensees internationally and key partnerships including Chessington World of Adventures Resort and Forestry Commission England. Firmly established in the UK, The Gruffalo family of brands has a strong presence across Europe and growing awareness worldwide.
Our in-house team sells and distributes our films all over the world. We work with carefully chosen partners in each territory to connect our work with its widest audience through television, home entertainment, cinema and festivals.
Magic Light Pictures
21 Goodge Street
London, W1T 2PJ


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Innocent sites blocked
Funamo is a great product, but you do need to work on not blocking harmless sites. These have all been blocked recently, and I can't just keep adding them to the whitelist. Could you please add these to a Master whitelist? Thanks
Funamo only blocks porn sites by default. It does not block these sites. My guess is that you are using key word filtering and some key words are too general. Please note that any web page that contains any of the key words you specified, it will be blocked. Please check if it is the case.
Thanks for your reply. I am using 3 keywords to try and plug the gaps in Funamo's blocking system.
Some blog sites allow porn, so I am blocking "Tumblr" and "blogspot". Proxy sites allow for a total bypass of any blocks, even at the ISP level, so I also block "Proxfree", one of the more common proxy sites.
I also block certain sites, such as Twitter.
I don't think this is the problem. Any more ideas?
(Also it would be good if there was a better way to block porn from twitter, tumblr, etc.)
I would suggest that you first keep all default settings of Funamo (without blacklist, whitelist or keywords). And make sure everything is working as expected. Then add other settings one by one and see which on triggers the blocking that is not expected.


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In the 1940 Disney film "Pinocchio," the name of the pet goldfish belonging to Geppetto was Cleo. The animated film was based on a book titled "The Adventures of Pinocchio" by Carlo Collodi, which was originally published in 1883.Continue Reading
Cleo is an affectionate feminine character who always appears in her goldfish bowl and shows affection to the kitten named Figaro. When Pinocchio is in his marionette stage, Cleo swims in reverse. She makes a memorable squeaking noise when she jumps from her goldfish bowl and kisses both Figaro and Pinocchio. Cleo also made appearances in the films "Aladdin," "House of Mouse" and "Who Framed Roger Rabbit?"Learn more about Children's Books


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WILKES-BARRE, PA. — Former United Mine Workers President W.A. ``Tony`` Boyle, serving three life terms for ordering the deaths of a union rival and his family, died Friday at Wilkes-Barre General Hospital. He was 83.
A hospital spokeswoman said Mr. Boyle, who has been hospitalized often during the past three years for a variety of medical problems associated with old age, died at 10:20 a.m. A cause of death was not immediately available.


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A Simple and breezy curry for appam or chapatis. Both egg and green peas forms an awesome combo.This is a typical Kerala style curry which is a good side dish for appam. It is a flavorful, mild, creamy and tangy sauce with coconut milk and tomato puree. Usually it is made with dried green peas which you have to soak overnight. But here I have used frozen ones.
Frozen green peas- 1 1/2 cup
Hard boiled eggs- 3
Onion- 1 medium
Tomato puree- 1/2 cup
Ginger garlic paste- 11/2 tsp
Coconut milk thick-3/4 cup
Chilly powder- 1 tsp
Coriander powder- 1 1/2 tsp
Turmeric powder- 1/4 tsp
Garam masala- 1/2 tsp
Meat masala- 1/2 tsp
Coriander leaves
Heat oil in a pan and saute onions till golden brown. Add ginger garlic paste and turmeric powder and saute for a minute. Add tomato puree( you can add chopped tomatoes too) and salt and saute till oil separates. Add frozen green peas, chilly powder,coriander powder and masala. Close lid and allow to cook. Add coconut milk and boiled eggs and allow to simmer. Finally add chopped coriander leaves. Serve warm with appam/ parottas or pathiri.
Try this..
Hope you will all enjoy


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New York
21 May 2008
Price realised
Mary Cassatt (1844-1926)
Woman Wearing Bonnet
oil on canvas laid down on board
17 x 10¼ in. (43.2 x 26 cm.)
Painted circa 1889.
The artist.
Eugenia Cassatt Davis, by descent.
Mr. Albert E. McVitty, acquired from the above, 1939.
Parke-Bernet, New York, 15 December 1949.
Wildenstein & Co., New York.
Ralph Hines, New York, acquired from the above, circa 1953.
By descent to the present owner.
Contact Client Service
New York +1 212 636 2000
London +44 (0)20 7839 9060
Asia +852 2760 1766
Brooklyn Museum, Leaders of American Impressionism: Mary Cassatt, Childe Hassam, John H. Twachtman, J. Alden Weir, exhibition catalogue, Brooklyn, New York, 1937, n.p., pl. II, illustrated (as Woman's Head).
Wildenstein & Co., A Loan Exhibition of Mary Cassatt, exhibition catalogue, New York, 1947, p. 36, no. 19 (as Woman Wearing a Bonnet).
A.D. Breeskin, Mary Cassatt: A Catalogue Raisonné of the Oils, Pastels, Watercolors and Drawings, Washington, D.C., 1970, p. 90, no. 160, illustrated.
National Gallery of Art, Mary Cassatt, 1844-1926, exhibition catalogue, Washington, D.C., 1970, p. 26, no. 41, illustrated (as The Bonnet).
Baltimore, Maryland, Baltimore Museum of Art, Exhibition of Pastels, Water-Colors, Pencil Drawings, Soft-Ground Etchings, Aquatints, Color Prints, Dry-Prints, etc., by Mary Cassatt, January 7-February 10, 1936, no. 6.
Brooklyn, New York, Brooklyn Museum, Leaders of American Impressionism: Mary Cassatt, Childe Hassam, John H. Twachtman, J. Alden Weir, 1937, no. 27.
Haverford, Pennsylvania, Haverford College, Mary Cassatt, 1845-1926, May 13-June 10, 1939, no. 17 (as Head of Young Woman).
Trenton, New Jersey, New Jersey State Museum, Mary Cassatt, November 19-December 27, 1939, no. 5 (as Woman's Head).
Baltimore, Maryland, Baltimore Museum of Art, Mary Cassatt, November 28, 1941-January 11, 1942, no. 20 (as Woman's Head).
New York, Wildenstein & Co., A Loan Exhibition of Mary Cassatt, October 29-December 6, 1947, no. 19 (as Woman Wearing a Bonnet).
Washington, D.C., National Gallery of Art, Mary Cassatt, 1844-1926, September 27-November 8, 1970 (as The Bonnet).
Mary Cassatt painted Woman Wearing Bonnet circa 1889 as she was moving away from the established schools in Paris and found her own, daring style. The subject of a young woman fascinated Cassatt and was one that she continually visited throughout her oeuvre. As Judith Barter notes, Cassatt's sources for her art were varied, "To devise compositional strategies for her depictions of women in public and private places, Cassatt looked not only to the traditions of society portraiture but also to illustrations in contemporary fashion magazines. She was not alone in this: her new colleagues, including Paul Cézanne, Claude Monet, and Berthe Morisot, had earlier turned to these sources for thematic and compositional models." (Mary Cassatt: Modern Woman, Chicago, Illinois, 1998, pp. 47-48)
After struggling for almost a decade for recognition in the established Paris Salon, Mary Cassatt eagerly accepted Edgar Degas's invitation to join him in exhibiting her work with the other members of the Indpendents group in 1877. While they have become known as Impressionists, in the late nineteenth century, they "preferred to be called 'Independents'." (Mary Cassatt, New York, 1987, p. 37) The term is significant as it implies a forceful rejection of the traditional Parisian art world in favor of purely autonomous conduct. In fact, "Reminiscing thirty-five years after the fact, Cassatt still had strong feeling about the decision; in 1912 she told her biographer, Achille Segard, 'I accepted with joy. I hated conventional art. I began to live.' Clearly, she recalled the years of trying to find her way in the labyrinth art world of the 1870s, juggling the demands of her conservative American milieu, official taste, and her own independence, as a dark period, and she considered it the turning point of her life when, at the age of thirty-three she was given the opportunity to paint and exhibit freely." (Mary Cassatt, p. 37)
Woman Wearing Bonnet was painted ten years after Cassatt first showed with the French Impressionists in 1879 at their fourth exhibition. "If we look at the paintings and pastels of the early days of Cassatt's Impressionist affiliation," writes Nancy Matthews, "we can discern her efforts to achieve the new realism touted by the Impressionists...Most striking is Cassatt's interest in capturing life in its normal and unposed state....Although a simple concept, the naturalistic effect in art was hard won, requiring subtle adjustments of form and content and a concentrated effort to achieve the appearance of effortlessness." (Mary Cassatt, p. 43)
Woman Wearing Bonnet is representative of Cassatt's mature period in both theme and handling. The simplified background highlights the face of the woman. Cassatt has rendered the face with a high degree of finish and modeling whereas the remainder of the composition was executed with long, loose and freely applied brushstrokes. The control of her brushstrokes on the woman's face is juxtaposed by the spontaneity of her bonnet and the background in broad swaths of ivory, purple, blue, pink and maroon. This contrast between highly developed and sketchy areas was characteristic of Cassatt's works of the period and demonstrates a thoroughly modern approach to the bust-length portrait.
Cassatt is revered for her ability to express emotion, narrative and a personal intimacy in her portraiture, particularly in the private realm of women. In Woman Wearing Bonnet she captures her sitter in a moment of deep contemplation: the woman gazes downward to suggest solitude and despondency, yet allows Cassatt to quickly capture this personal moment and share it with the public. In André Mellerio's introduction to the catalogue of Cassatt's 1893 exhibition, he commented, "It has been rightly said that Miss Cassatt has never painted any women but those 'who have a serious soul.'" (as quoted in Mary Cassatt, p. 40) Nancy Mowll Mathews observes that Cassatt's "subjects [were] drawn from the world around [her] with an ironic eye, [and] displayed a fragile balance between the public and the private, discretion and indiscretion, beauty and ugliness. A rigid or uninformed viewer could easily be confused by the transient and shifting effects of this style and, with some justification, feel mocked by [this] sophisticated artist. However, Cassatt was intellectually nimble and prided herself on her own penetrating opinions on art and society. From her very first efforts to incorporate Impressionist devices into her work she was fascinated with the aesthetic power of a painting's successful balance of contradictory elements." (Mary Cassatt, p. 40)
Cassatt's artistic output changed dramatically as soon as she made the bold shift to Impressionism. Her works took on a more daring character and she developed her own unique style, infusing her gift of expressing the narrative, particularly from the female point of view, while mastering the Impressionist style of painting. The rich palette of Woman Wearing Bonnet and the vigorous brushstrokes, demonstrate Cassatt's sophistication and individuality within this movement. Cassatt's unique ability to capture fleeting yet poignant moments of everyday life established her as one of the leading painters of her day, her legacy a major influence on other female artists. It has been said of Mary Cassatt that she is not only the greatest woman artist of the nineteenth century, but that she is also "worthy of consideration as the most significant American artist, male or female, of her generation." (A.S. Harris and L. Nochlin, Women Artists: 1550-1950, Los Angeles, California, 1976, p. 58)
This painting will be included in the Cassatt Committee's revision of Adelyn Dohme Breeskin's catalogue raisonné of the works of Mary Cassatt.
Pre-Lot Text
An expert introduction to the movement, from its origins in France to its flowering on a private island off the coast of New England
Ahead of our Paris sale on 10 September, Meredith Etherington-Smith salutes three generations of collectors from one family
What a newcomer needs to know about the highly collectable, grain-based liquor served at all Chinese state banquets


text: i'll start off by saying i am a EXTREMELY SHY guy. i want to ask a female friend to hang out sometime but i have no idea how to go about it and its stressing me out. i should say that we were friends in elementary and middle school but we lost touch and back then i had a HUGE CRUSH on her but was shy and could never work the courage to tell her, we lost touch and a few months ago we started chatting on FB and she gave me her number a few days later and told me to text her, and now i have found myself having these feelings for her again. we have been texting every other day if not every day and i want to ask her to hang out sometime so i can try and figure out if its a strictly platonic friendship or has the possibility to be something more but i am not sure how to go about it.


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April 24, 2015 at 1:05 pm #16812
Girel ClaudeSpectator
Hello. excuses I'm not in English. Not translate Google translation.
I have a problem since the passage WP 4.2 . The changes made do not appear on the site, but it is OK on the administrator part .
An idea?
Girel ClaudeSpectatorApril 24, 2015 at 1:06 pmPost count: 10#16813 |
I am under Evolve + and WP 4.2Girel ClaudeSpectatorApril 24, 2015 at 6:06 pmPost count: 10#16825 |
Since the update in WP 4.2 can not publish an article or publish a widjet .
I'm on Evolve + 1.8
On another blog in WP 4.2 with another theme works well.
Does the theme that a bug ?RomanKeymasterApril 24, 2015 at 8:10 pmPost count: 2711#16834 |
provide your website with WP admin login details in Private Reply pleaseGirel ClaudeSpectatorApril 26, 2015 at 2:41 pmPost count: 10#16886 |This reply has been set as private.AnonymousApril 26, 2015 at 2:49 pmPost count: 49#16888 |
Yes, like that :), it is marked as private & nobody besides Theme4Press staff can see confidentially details.Girel ClaudeSpectatorApril 26, 2015 at 2:50 pmPost count: 10#16889 |
For information, a lot of problem with WP 4.2 !
This is a general community announcement for all buyers of WordPress items to bring your attention to an XSS vulnerability affecting multiple WordPress plugins and themes. The vulnerability is caused by a common code pattern used in WordPress plugins and themes available from ThemeForest and CodeCanyon, the wordpress.org website and other sources.
This issue is not limited to themes and plugins purchased from ThemeForest or CodeCanyon. Anyone using a WordPress website, regardless of where the theme or plugin was sourced, needs to be aware of this and take immediate action to ensure it is secure.
What should I do?
As there is no simple way of knowing exactly which plugins or themes are affected, and the issue is widespread, our best advice is to periodically check for updates to any WordPress themes or plugins you are using and apply those available as soon as possible.
Envato is actively working with all ThemeForest and CodeCanyon authors, explaining the issue and asking them to check that their items are secure and to update them if necessary.
We expect ThemeForest and CodeCanyon items to be continuously updated over the coming weeks, with the majority updated in the next few days. Updates may be downloaded from the Downloads page as they become available. If you would like to be automatically notified about new updates, please activate "Item update notifications" in your email settings.
For updates to items obtained from other sources, please check the Plugins and Themes pages in the WordPress Admin area or contact the source of the product.
We strongly recommend continuing to check for updates, especially over the next few weeks, but also on an ongoing basis. It is important to always keep your WordPress installation and associated plugins and themes up to date. If you still have concerns, we suggest engaging an experienced WordPress developer to check whether your site is affected.
More details are available via the following links:
Kind Regards,
Envato SupportGirel ClaudeSpectatorApril 26, 2015 at 2:53 pmPost count: 10#16890 |This reply has been set as private.Girel ClaudeSpectatorApril 26, 2015 at 2:57 pmPost count: 10#16891 |
WordPress has largely prevented , indicating the most important plugins facing this problem : among others , wordpress SEO, All in one SEO and WooCommerce
At first glance , it is with WooCommerce and management attributes we have the most risk .
The topic 'Display Problem articles' is closed to new replies.


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View more from this designer
Born in 2014 from the eclectic sensibilities of designer duo Andrea Curti and Marco Samorè, p448 draws inspiration from the culture of Italian streetwear.
Meticulous detailing and Made-in-Marche craftsmanship underscore the sense of luxury at the heart of each collection. Technical innovation and stylistic research, the perfect synthesis of vintage and modern. Shape, function, and materials are interpreted with Italian flair. Each design is a skillful blend of contemporary lifestyles, street trends, and original ideas. Colors and patterns are the language of p448's carefree, expressive soul.


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Most likley the greatest video game series ever invented by human hands. Playable characters include: Mario}, Link, Samus, Fox, pikachu,Marth, Ness, Captain Falcon,Ganondorf, Zelda, lcario, Kirby, Ike, Lucas, Bowser, Wario,Luigi, Mr. Game and Watch, Solid Snake and Sonic the Hedgehog
by lord woo fak fak December 02, 2008
by N January 12, 2004
awesome game on n64 and gamecube..soon to be on nintendo wii...the championship title (when you win a championship) is coveted by many..whoever holds it at a point in time is awesome..I hold it at the mo therefore I am awesome.
by eddie June 19, 2006


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This 3 Wheel Medium Size Daytona 3 GT Scooter by Drive Medical provides users with indoor & outdoor, independent mobility. This Scooter has the ability to assemble & disassemble into 5, easy to store & transport, pieces. The comfortable, contoured, swivel seat, & the flip back arms, are both height & width adjustable to accommodate most sizes. For added user safety, this Scooter comes complete with a headlight & tail light & convenient, flat-free tires. The Daytona 4 GT Scooter has been tested & surpassed the ANSI RESNA testing requirement, providing our consumers with added security. For outdoor & indoor use. 3 wheel design allows for small, 40. 2" turning radius. Ability to assemble/disassemble with 5 pieces for transport. Comes with headlight & tail light. Contoured swivel seat is height & depth adjustable, features flip back height & width adjustable arms. Top speed 5 mph. Cruising range of 20 miles w/U1 batteries (20 AMP batteries & U1 battery compatible). Comes standard with anti tippers. New "Finger-Pull" throttle. Large carry basket. Flat free tires. Easy to adjust tiller. Has been tested & surpassed the ANSI RESNA testing requirement. 70 amp Drive CTE Electronics. Comes with batteries. 300 lb. Weight Capacity. If you're looking for added product protection, purchase the additional warranty coverage by adding Drive Medical's Piece of Mind protection to your scooter.
***The contents of the Painreliever.com website are for informational purposes only. The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. You should not use the information on this web site for diagnosing or treating a medical or health condition. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on the Painreliever.com website. Read Full Disclaimer***
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Ships via: FedEx Ground
Estimated Delivery: 3-5 Business Days
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After Thursday night's exciting victory against the Express, the Wisconsin Woodchucks looked to continue their two game win streak Friday night with the second game of the three game series. The Woodchucks bats came alive in a 12-7 win over Eau Claire.
The Woodchucks knocked in the first run when center fielder Brooks Braga singled to left field scoring Mike Bernal from second base. The 'Chucks had another opportunity to increase their lead in the third inning, but left two on when Eric Filia- Snyder grounded out to end the inning.
Beginning in the fourth, Eau Claire's own Casey Gillaspie crushed Alex Vetter's fastball to deep right field to tie the game at one. Just two batters later, Ty Forney repeated with another monster home run to left field to take the 2-1 lead in the fourth inning.
The Woodchucks would answer right back with a fielder's choice and two consecutive singles to bring in Madison Carter for the tying run. The Woodchucks, would tack in another run to reestablish the lead 3-2 when a passed ball got by Nick Bullington to score Mike Bernal.
Brooks Braga would single putting runners on the corners, and Brad McKewon would add to the score by doubling to left-center field to score Jake Peter.
One batter later, with still no outs in the fourth inning, J.D. Davis would reach with a two RBI single to clear the bases and give the 'Chucks a 6-2 lead. The Woodchucks after all was said and done would come away with five runs, off of six hits entering the fifth inning on Friday evening.
Eau Claire would have a comeback of their own however. Josh Scheffert would start things off with an RBI single to cut the Woodchucks lead to three. One batter later, red-hot first basemen Casey Gillaspie hammered a two run bomb to left field, his second homerun of the night. The lead would be cut down to one for the Woodchucks in the bottom of the fifth.
Once again the Woodchucks answered to throw a few insurance runs on the board with J.D. Davis at the plate. With bases loaded and no one out for the second consecutive inning, the Woodchucks would score off of a J.D. Davis RBI single to score Jake Peter.
Later that inning, Brooks Braga would score from third on a passed ball to make it a 9-5 game.
Skyler Ewing would swing away on a full count and slap a double into the gap to score two more Woodchucks making it a 11-5 game, and that would do it for the fifth inning. The Woodchucks for the second time tacked five more runs on to pull away from the Express.
The 'Chucks just couldn't keep the bat off the ball, with another run coming in the sixth inning when Mike Bernal slammed a solo home run to go up by a intimidating seven runs.
Alex Real for the Eau Claire Express knocked out a solo home run in the eighth inning, but still trailed by six runs with only an inning left in regulation.
Woodchucks relief, Jordan Jess would shut down the side for the Wisconsin Woodchucks to earn another win 12-7 and proceed on their three game winning streak.
The Woodchucks will be in action again Saturday in Eau Claire to finish up the three game series, and start their second series against Lakeshore on Sunday.
Courtesy: Wisconsin Woodchucks
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Range Networks (Twitter) is simplifying cellular networks using Open Source hardware and software. OpenBTS software is a Linux application that uses a software-defined radio to present a standard 3GPP air interface to user devices.
OpenBTS (Open Base Transceiver Station) allows standard GSM-compatible mobile phones to be used as SIP endpoints in Voice over IP (VOIP) networks. OpenBTS was developed and is maintained by Range Networks. The public release of OpenBTS is notable for being the first free software implementation of the lower three layers of the industry-standard GSM protocol stack.
The aim of the project is to drastically reduce the cost of GSM service provision in rural areas, the developing world, and hard to reach locations such as oil rigs. It's also used to provide free cellular-like services for events like Burning Man.
OpenBTS announced last month the public release of OpenBTS-UMTS 1.0, providing data capability for 3G networks. The new code is available to the OpenBTS community immediately as a free download.
Industry leading software-defined radio (SDR) suppliers Ettus Research and Nuand make radio hardware that supports OpenBTS-UMTS.
Nuand has a USB 3-powered Software Defined Radio. Out of the box the bladeRF can tune from 300MHz to 3.8GHz without the need for extra boards.
Since 2006, the folks behind OpenBTS have been running the Papa Legba camp at Burning Man have provided fully licensed independent (free) cellular service with help from Geeks Without Bounds and others.
OpenBTS is now part of the GNU Radio project and administered by the Free Software Foundation. The original founders of this project are David A. Burgess and Harvind S. Samra.
GNU Radio can be used with external RF hardware to create software-defined radios, or without hardware in a simulation-like environment.
Keyless car remotes, home alarm systems, traffic alert systems, toll-collection transponders, TV satellites, airliner communications, medical pagers and even space probes can all be disrupted, thanks to software-defined radio, two Australian researchers demonstrated in separate presentations at the BlackHat security conference this month.
See Dailywireless; Free Cellular at Burning Man 2013, Burning Man: Ten Years of Communications Innovation, Range Networks: Open Source Cellular Networks, Burning Man Goes Live, Interactive Arts Festivals


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Fixed Based Operators
Richmond International Airport is home to three Fixed Base Operators (FBOs) that manage a wide array of aeronautical services including fueling, hangar usage, tie-down and parking, de-icing, and meeting facilities, as well as aircraft rental, maintenance and instruction.
Million Air
The nation's premier provider of executive private charter flights and aviation services is located at Richmond International Airport. Million Air, a locally owned Fixed Base Operator (FBO), brings a higher standard of excellence to Central Virginia, making it more convenient, more efficient and more cost effective to manage, maintain and utilize private jet flights.
Offering AvFuel Brand Jet A and 100LL and Quick Turns, Million Air allows your transportation to pull right out to the aircraft for the full convenience of your passengers. And with 24/7 operations, there's always somebody available to help.
- FAA Approved Repair Station for Class 3 Airframes and Engines
- Maintenance for Lear 20-30 series, Beechjet and Citation 500
- Authorized Cirrus Service Center
- Avionics
- Aircraft Management and Charters
- AvFuel-Branded Jet A and 100LL Sales (Retail, Contract or Airlines)
- Airline & Charter Ground Handling
- De-Icing, Heated Hangars
Million Air Contact Information:
Gene McDonough, President
400 Portugee Road
Richmond, VA 23250-2417
Email: email@example.com
Website: www.millionair-richmond.com
Richmond Jet Center
With 24/7 operations at Richmond International Airport, Richmond Jet Center offers a full line of Fixed Based Operator (FBO) services including catering, flight planning and heated hangars. More than just fuel services, Richmond Jet Center offers a pilot's lounge, flight planning area, two conference rooms, crew cars and rental car availability. Richmond Jet Center allows your transportation to pull right out to the aircraft for the full convenience of your passengers.
- Shell Aviation Jet A and 100LL Retail Sales; Contract Programs Available
- Corporate Aircraft Services & Maintenance
- Aircraft Storage Hangars
- Airline and Charter Ground Handling
- Approved Reagan National DCA (DASSP) Gateway Facility
- De-Icing
Richmond Jet Center Contact Information:
Michael Clarke, Manager
5745 Huntsman Rd
Richmond, VA 23250
Email: firstname.lastname@example.com
Website: www.ricjet.com
Aero Industries
This family owned and operated, full-service Fixed Base Operator (FBO) and private aircraft charter company has been around since 1946. From a quick fuel top-off upon arrival at Richmond International Airport to a complete annual and/or avionics systems installation, Aero Industries keeps you in the air 24/7.
Best of all, any maintenance performed at Aero Industries meets FAA approved FAR Part 145 Repair Station standards and incorporates the use of only FAA approved and accepted parts, procedures and methods. Plus, it's a Cessna Service Center and FAA Certified Repair Station offering airframe, engine and propeller maintenance, and avionics sales and charter, and can provide aircraft interiors and composite services.
- Department of Defense (DoD) Services
- Airline and Corporate On-Call Maintenance
- Cessna Single Engine Service Center
- Cessna Composite Structure Repair Center
- Avionics and Interior Shop
- NDI Services
- Shell Aviation Jet A and 100LL Retail Sales
- Airline and Charter Ground Handling
- De-Icing
Aero Industries Contact Information:
Jon Clarke, President
5745 Huntsman Rd
Richmond, VA 23250
Email: email@example.com
Website: www.aeroind.com


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These cards were issued as an random insert in the special Hawaii Trade Conference box. Every box contained either an autograph card or a team timeline thread card. These cards were printed to a stated print run of 1 serial numbered set and no pricing is available due to market scarcity.
|Price Low
|Price High


text: You can play Cubikill free online sports games at fogames. It has tags: Skill,. It has 9993 total plays and has been rated 95.5% (190 like and 46 dislike), find the fun and happy day. If you want to play more sports games, we find some of the game: Cubikill 3, Cubikill 2, Cubikill 6 and Cubikill. To play other games, go to the skill games page, the games page, or just check out the new games or best games page.


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Artex Barn Solutions is a team of dedicated dairy professionals who are passionate about cow comfort and the success of the farmers we work with. Pioneers of cow comfort research, Artex and our partners were some of the first to use time lapse photography to understand cow behaviour and comfort within the barn compared to pasture environments.
Our research led to the development of our complete line of Comfort Zone™ products. Artex manufactures and distributes cattle handling equipment such as stalls, headlocks, and calf pens as well as dairy ventilation products, such as recirculation and exhaust fans, and cow cooling products.
Our Customers…
Face the Same Problems
They need to increase milk production, reduce labour/vet costs, and invest in products that give the best bang for their buck.
Our Solution…
It's Simple Really
The more a cow lays down, the more milk they produce. The more milk they produce, the more money you make.
Our Products…
Pass the Test of Time
Designed to last, our products help improve productivity and farm efficiency, ensuring you get the highest payback on your investment.
Our People…
Are Invested in Your Success
We have a team of experienced dairy professionals who are here to help you identify areas for improvement and to find the solutions that work for you.
The Comfort Zone™
The goal of our Comfort Zone™ system is to create an indoor environment that encourages the natural behaviours found in the pasture. Our products are designed to increase rest time and reduce health issues, increasing the productivity of your farm.
Our Solutions
Our cow comfort solutions are based on our Comfort Zone™ philosophy. Learn more about our holistic approach to cow comfort and the solutions we offer.
Our products
Our equipment line features a collection of products designed to increase milk production and reduce health issues. Learn more today about our product line.


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225 Centennial Crt.Kitchener, ONN2B 3X2
There are no events in this month
The April 2013 tragic death of Nova Scotia teenager Rehtaeh Parsons reinforces the importance of bullying awareness and prevention both in Ontario and across Canada. The Legislative Assembly of Ontario has designated November 18-22, 2013 as Bullying Awareness and Prevention Week. OSSTF/FEESO encourages its members to become involved and participate in organized events that recognize and raise awareness of bullying within our schools and communities.
On June 5, 2012, The Accepting Schools Act (Bill 13) received Royal Assent creating legal obligations for school boards and schools to prevent bullying. Policy/Program Memorandum No.144 provided direction to every district school board on December 5, 2012. These obligations include developing a school bullying prevention and intervention plan that encompasses a process for investigation of bullying incidents and provides support for students who have been bullied, witnessed bullying or have engaged in bullying.
The Ontario Secondary School Teachers' Federation supports these important initiatives. A safe learning environment is critical to every student, parent and educational worker within our publicly funded education system and contributes greatly to their rich educational experience. That is why OSSTF/FEESO has been engaged in both developing and providing professional development to our members and education partners. Information regarding OSSTF/FEESO Educational Services Professional Development Workshops can be found online at: http://www.osstf.on.ca/edservicesworkshops. OSSTF/FEESO members can also find Canadian bullying resources online at:http://www.osstf.on.ca/Default.aspx?DN=56733f05-75b0-4d31-9de1-01a1c52089f2.
OSSTF/FEESO policy states: "It is the policy of OSSTF/FEESO that students should be entitled to an education in an environment free of violence, harassment and bullying in any of its variant forms." Bullying affects all of us in its many forms. Members are encouraged to support the anti- bullying initiatives that occur in the designated weeks ahead and throughout the year within their schools and communities.


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Shakespeare in Our Time: A Shakespeare Association of America Collection (Paperback)
Special Order
This volume marks the 400th anniversary of Shakespeare's death by reflecting on the unrivalled work of the Shakespeare Association of America and offering a unique collection of leading Shakespeare scholars outlining key developments in Shakespeare studies over the last two decades. These essays are complemented by younger scholars who respond and look forward to new fields of study and debate. As such the book offers a "state of the nation" look at Shakespeare criticism, covering all the key areas of research and study including gender, text, performance, the body, history, religion and biography. This is a must-read, comprehensive introduction to the key critical ideas surrounding Shakespeare's work and a stimulating exploration of where Shakespeare studies will go next.
About the Author
Dympna Callaghan is William L. Safire Professor of Modern Letters at Syracuse University, USA. Suzanne Gossett is Emeritus Professor of Literature at Loyola University, Chicago, USA.


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Names and Slogans
|A refreshed brand identitiy reflects your core business, and gives prospects and customers cues about what you stand for. Robust logo design communicates your strength and makes a strong first impression.
|Revitalising to avoid a tired or dated image occurs on average every seven years. Here are some examples of branding we have designed:
A classic logo for an upmarket retirement village being dveloped in Ashburton.
Oxford Clinic
Surgeons and health clinicians. The old logo with staff and circle was detailed, and the colours were looking dated. This marque retains an abstract version of a medical staff which also represents the embracing, caring nature of the services performed. A brand workshop also helped the partner surgeons to articulate their raison d'etre. This was used as the foundation for text in a corporate profile and web site.
Pillars is a New Zealand charity that supports children of prisoners, aiming to break the cycle of inter-generational crime through mentoring (children of prisoners are seven times more likely to become offenders). This circle on this logo design represents the cross section of a pillar; pillars of support never crumble onder the stresses of life when they're connecting together. The smaller circle represents the children coming through as our next generation. The larger circle represents the Pillars community, who are making a positive path for these children. We also redesigned their website.
Industrial waste recycling park. "In all my time in marketing (from brewing - FMCG - waste minimisation) I can't recall ever before being so immediately impressed with a new logo and image as I was with "ecopark" from Alexanders. The process, from meeting to brief to proofs was flawless and produced a logo and look that required absolutely no changes. This was all completed under considerable time pressure imposed by us. Thanks." Stephen Bain, Business Development Manager, TerraNova
Caci Cinic
This enduring logo was designed many years ago. The figure in the middle represented feeling good about yourself, renewed confidence from skin treatments. Since then the font has been updated, but the essence of the figure has been retained.
The client wanted a logo that implied measurement and process. The treatment of the A gives a mathmatical dimension.
A branding workshop for the manufacturer of electronic wheelchair componentry revealed that the core business was "enabling motion". This logo represents both electronic movement, and movement around a joystick.
Mike Smith
A new builder in town needed a professional logo with modern typography.
Logo updates for old established brands are often better tackled as a matter of evolution rather than design genius. The old logo had a rectangular block that looked dated. The typography was close together and confusingly read "7 AIR" to some new customers. We dropped the box, spread the letters a little, and developed a typographic hierarchy for the multiple business names and divisions throughout the world. This was packaged in a comprehensive brand manual. Workshops were run with a number of teams, and interviews done internationally, to elicit the core values and authentic brand that was unique to Tait and helped it compete internationally with giants like Motorola. Branding is always contextual and your core promise should be looked at relative to your competitors.
This brand was designed for a professional indemnity insurance firm run by Aon Insurance. The symbol is a modern take on an old abacus. Facing aggressive competition from a new player, presenting a more professional image was key to credibility and customer retention.
Gardner Smith launched its dry dairy feed PK+ made from palm kernal and molasses.
Mid-Canterbury company Winslow Ltd has a wide range of agricultural services ranging from contracting, seeds to dairy technology. Consolidating several brands into their more commonly used nickname, they needed a rugged, dependable brand that could be applied across many business facets.
Pak World
A printer who specialised in packaging and boxes, especially those with complex folds and shapes, needed a fresh brand identity.
An office chair brand.
Aon Insurance extended it's professional indemnity insurance to doctors.
Kids For Cambodia
This was a charity set up by an Ashburton family who raised money to build a school for children in Cambodia as their daughter was travelling there as part of a school trip.
This environmental brand was for Christchurch refuse stations who recycle domestic waste.
Merivale Retirement
Taking the cue from an original scrolly M, we updated the classic logo style for this local retirement village.
A simple typographic logo was developed for an architectural builder with a slim business cards to appeal to architects.
Honey Software
This HR software enhances employee productivity. The logo theme shows an abstract bee pollinating a flower indicating the order and efficiency of a bee hive.
Business consultancy franchise, part of Action Coaching. This logo reflects the energy and pace a coach brings to your business.
McArthur Ridge
Logo for subdivisions with pinot noir grapes in Cromwell.
A fire-resistant shade cloth for playgrounds and horticulture. Part of Donaghys that was sold to Gale Pacific.
A Christchurch Property Developer wanted a contemporary, modern, catchy brand for the subdivision near Burwood which would be memorable. Whilst slightly interrupted by the recession, titles have been issued and all is going according to a slightly amended plan!
Commtest, Ascent, Profiler. Electronic variability measuring machines that test if bearings and machine components are worn and need replacing.
A proactive accounting firm in Ashburton had a logo that did not live up to the firm's ethos. The old cream stationery with blue foil lettering didn't reflect the true nature of one of the South Island's most energetic accounting firms. The symbol is an upgrade of the old logo which had a finger on a button on an antiquated calculator. In addition to a logo update, we facilitated a brand workshop to articulate what the firm stands for. This was rolled out in a creative look not only in their corporate profile, but also in the fit out of a new building, with the reception, meeting rooms and staff rooms communicating the theme. Highly commended, Sth Is Advertising Awards 2002. "I chose Alexanders because I liked the way they operate. They were creative and imaginative, interested in us and wanted to know what we were about. They didn't try and reinvent us – just enhanced us. The branding work they did for us gave us a whole new image and self-belief. It set a platform for us to be as big as we want to be. The work set us apart – modern and refreshing yet still professional. We've been growing at more than 20% pa for the last two years since the branding work. It's still the personal relationship that matters, but I keep getting surprised about the number of people who know us. While it's obviously not the only contributor, I have no doubt the branding was instrumental in our success." Trevor Croy, Croys Ltd (Accounting firm).
New Zealand Grain & Seed Trade Association wanted a symbol developed to reflect seed that had passed certain quality criteria. This symbol is both a tick and a seedling/grass.


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This free online Adjustable Rate Mortgage Payment Calculator will calculate the fully amortizing ARM interest percentage adjustments along with the corresponding monthly payment changes.
Plus, the adjustable rate mortgage payment calculator (also called a variable rate mortgage calculator) on this page will also calculate the total interest charges you will end up paying on the ARM, and will allow you to view and print out a summary and amortization schedule.
In case you're not familiar with the term, an adjustable rate mortgage (ARM), also referred to as a variable rate mortgage, refers to a type of mortgage (home loan) that has a fluctuating annual percentage rate (APR). The amount and direction by which the ARM rate fluctuates is based on a variety of indices (US Treasury Bills, Cost of Funds Index, etc.), with the periodic adjustments occurring at preset intervals (usually once each year following the time the initial APR is guaranteed for).
Since ARM loans shift the interest rate risk from the lender to the borrower, ARM loans typically offer lower interest rates than fixed APR loans. If interest rates rise, the ARM borrower loses money. If interest rates fall, the ARM borrower saves money.
The typical ARM loan has an initial APR that is guaranteed to remain constant for the first 1-15 years of the repayment period, while stipulating a maximum APR adjustment that may occur each subsequent adjustment period (usually 12 months, but can be as high as 180 months). For example, an ARM loan may have an initial guaranteed APR of 6% for the first 36 months, after which it could increase by a maximum of .25% per year.
ARM loans usually come with a rate cap, which is the maximum APR that can be charged. So if an ARM loan has a rate cap of 10%, that will be most the lender can charge you during the repayment period. However, be aware that if you are being charged the maximum APR and the rate later falls to below the maximum, the lender will likely try to recover their losses by not lowering your APR (referred to as a carryover).
Of course, as the APR changes on an ARM loan, so do the size of the monthly house payments. As interest rates rise, the monthly payments rise, and visa versa. This can wreak major havoc on even the best of household budgets.
Hybrid ARMS: Hybrid ARMs offer a mixture of fixed and adjustable rate terms, and are usually listed as 3/1, 5/1, 5/5, 7/1, 10/1, or 15/15. The number appearing before the slash refers to the number of years the APR will be fixed, while the number after the slash refers to adjustment interval in years. Therefore the APR on a 5/1 ARM will be fixed for 5 years, and may be adjusted once each year for the remainder of the repayment term. The adjustable rate mortgage payment calculator on this page is based on a Hybrid ARM.
Interest-Only ARMS: Interest only ARMs allow you to pay only the interest for a specified number of years -- usually for 3 to 10 years. This affords the borrower a low initial monthly payment, but at the expense of a much higher payment once the interest-only term has expired. Keep in mind that the longer the interest-only term, the higher will be the future principal plus interest payment.
Payment-Option ARMS: A payment-option ARM allows the borrower to choose among various payment options each month. In this type of an ARM, you may choose to make a principal interest payment (PI), or an interest-only payment, or a minimum payment. If you choose the latter option, be forewarned that it may lead to negative amortization, which means the minimum payment is less than the interest charged, which in turn will cause the principal (amount you owe) to increase (balloon).
Be sure to be on the lookout for lenders offering teaser rates, or discounted rates. This is where ARM lenders offer an APR that is below the indexed APR just to get you to sign on the dotted line. Later, when the initial fixed term expires, you could experience a shocking payment increase that you may not be able to afford.
A second word of caution has to do with prepayments. Many ARM lenders assess stiff prepayment and conversion penalties if you make any attempt to shift the interest rate risk back on the lender. In other words, if you try to pay off the ARM early or if you try to convert the ARM to a fixed rate mortgage, you may be assessed stiff prepayment penalties or conversion fees.
While it may be true that ARM borrowers have saved money historically, it's also important to realize the risk you are assuming before entering into an ARM. Lending institutions are much better equipped to assume the interest rate risk than you are. After all, they don't face the prospect of losing their job and most of their risk is backed up with assets. You on the other hand, could lose your job or end up upside down in your mortgage (house is worth more than you owe), so please consider those possibilities before you enter into an adjustable rate mortgage.
If you've spent any time in the financial calculators section of this website, you will know that I'm of the opinion that if you can't afford to pay cash for something, you can't afford it (as in, the opportunity costs of borrowing money can rob you of potential future wealth and happiness). Therefore, it doesn't matter if we're talking fixed, variable, interest-only, adjustable, or any other kind of "borrow from my future happiness to be happier today" type of mortgage, they are all just different ways of transferring your potential future wealth to the CEOs of lending institutions.
With that, let's use the Adjustable Rate Mortgage Payment Calculator to calculate the rate adjustments, monthly payments and total interest cost for an ARM loan.
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Home loan amount: The dollar amount of the home loan (principal amount). This is usually what's left after subtracting your down payment from the total purchase price of the home.
Adjustable rate home mortgage amount: The dollar amount of the home loan (principal amount).
Starting annual interest rate: The starting annual percentage rate (APR) of the home loan. Enter as a percentage (for .06, enter 6%).
Number of years: Select the term of the home loan in number of years.
Number of months before 1st rate adjustment: The number of months before the first adjustment will be made.
Number of months between adjustments: The number of months between adjustments once the initial rate adjustment has been made.
Expected adjustment: The percentage amount you expect the rate to increase or decrease by for each adjustment period. Enter a minus (-) sign before the percentage if you expect rates to fall during the course of the payoff. Enter as a percentage (for .0025, enter .25%).
Interest rate cap: The maximum allowable interest rate on the ARM. Once the maximum is reached, the Adjustable Rate Mortgage Payment Calculator will fix the APR for the remainder of the repayment term.
Initial monthly principal and interest payment: Based on your entries, this how much your starting monthly house payment will be. Please note that the payment amounts calculated by the adjustable rate mortgage payment calculator do not include property tax or insurance payments (you can calculate these using the PITI Mortgage Calculator).
Total of all monthly house payments: Based on your entries and all of the calculated APR and payment adjustments, this is the total of all of your monthly house payments (principal plus interest).
Interest cost: Based on your entries, this is how much interest you will pay between now and when you finish the home loan repayment. The
Maximum monthly payment: Based on the entered rate cap, this is the maximum monthly payment for the ARM.
Printer Friendly Report with Amortization Schedule: If you click this button the adjustable rate mortgage payment calculator will create a pop-up window containing a summary of the entries, the rate and payment adjustment chart, and a monthly amortization schedule.
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A Good Conclusion
Lesson 5 of 21
Objective: Students will be able to write a conclusion with reworded claim, synthesis of evidence, and so what by adding a conclusion to their Past-Present-Future essay.
To start our day, we review our previous writing lesson on good introductions, specifically hooks. Hook methods, such as starting with a quote or question, can also work well as part of a concluding paragraph, so I want these techniques fresh in students' minds.
Students are able to [slowly] list the hook methods (quote, anecdote, analogy, definition, question, shocking statement or fact, paradox, imagery,etc.); since they are so slow, I assume the techniques are not quite clear in their minds and offer clarifying explanation as they come up with each new hook.
A Good Conclusion
I introduce conclusions as the reverse of introductions. Where introductions seek to connect to the reader first, then give the specific focus (claim) of the essay, the conclusions reiterates the focus and then widens out to a connection to the reader:
Resources (2)
Resources (2)
Add a Conclusion
Students' final task for their Past-Present-Future Essay rough drafts is to add a conclusion. They have the remainder of class to do so and to proofread their work before submission for feedback.