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Stacy Lang Kahan, CLU, RFC
I am not here to sell insurance policies. My passion is learning what people want for their businesses and personal lives, and using insurance as a tool to help them get it.
It may sound crazy, but I've always been interested in insurance. It started at an early age, watching my father, who still runs his own insurance agency. Then when I went to college, the insurance classes were the ones I loved the most. So it's no surprise that I've spent my entire career in this field and have started my own firm.
Here's what I love about insurance. Business owners and professionals come to me with problems: sometimes ones they don't even know they have. My experience — and genuine interest in them — leads me to ask the right questions and listen closely to their answers.
Then I use my skills in solving problems and crunching numbers. It's interesting to analyze the coverage they have now and identify any gaps. It's also fascinating to stay current on the latest products and services. This means I can come back with a plan that really helps them, their business and their families meet their goals.
I believe in straight talk. We're discussing difficult subjects: what to do if they get sick, become disabled, or can no longer care for themselves. Or if they're business owners: how to offer the right benefits for their employees and still live within the budget, or succession planning. It's my job to decode insurance jargon and speak in plain English, so my clients can make sound decisions. This is important, because both of us are in this relationship for the long term.
Here's my commitment to every client:
You will walk out the door in a better position than before we met.
If this is what you are looking for, then call me at 847-673-2244 or send me an email: firstname.lastname@example.com.
Cara D. Kahan
As a third-generation insurance producer, I add excitement and energy to the agency's reputation for service.
I see insurance differently. Growing up in a family of entrepreneurs, I've learned that successful business people not only have to get the job done today, but they have to keep moving toward their dreams for tomorrow. Having an insurance plan is an important part of this. We need to protect ourselves — and our businesses and families — if something happens, like being disabled, needing long-term care, or if we die suddenly. We also have to put our money in safe places, so it will be there when we need it. Having the right insurance plan does this, and means we won't have to worry.
Clients are #1. We don't offer any products or services that we wouldn't buy for ourselves or recommend for our families and friends. We listen first before coming up with a true customized plan for them — not just a policy or two. Then we stay in touch, so we know when things change in their lives and their plan needs updating. And we do this in the way they like best—taking the time to educate people who want more information, or just provide a quick summary for those who prefer that.
Keeping Ours a Modern, Growing Agency. This includes everything from making sure we have up-to-date databases, to strong brand messages, to attracting more business. I'll make sure that Bridgeview Insurance Services is around, doing a good job serving our customers, for a long time to come.
I don't sell policies. My job is to do the right thing: make thoughtful recommendations so people can feel comfortable with their plan.
If this sounds good to you, then call me at 847-673-2242 or send me an email: firstname.lastname@example.com.
- Life and Health Insurance
- Market Research
- Problem Solving
- Employee Benefits Planning and Administration
- Affordable Care Act (ACA)
- Business Succession Planning
- Sales/New Business Development
- Financial and Insurance Planning for Individuals and Business
Sherri Silberg
My two passions are insurance and massage. One eases the mind, and the other relaxes the body.
My business is helping people. As a certified massage therapist, I see the physical toll that worry can take. Having the right insurance reduces that worry. Knowing they are well covered gives our clients comfort that they and their families will be taken care of — for their retirement, or if something difficult happens to them. Peace of mind is very good for the body.
I have a great respect for how Bridgeview Insurance Services works with its clients. Part of this comes from the four and a half years I spent in California. While there, I worked in marketing and then sold insurance for a larger agency. This taught me the value of the long-term, personal relationships we develop with our clients here. That — and the integrity of the people at Bridgeview Insurance Services — ultimately brought me back.
If you want to know more about how our company can help bring more balance to your life, then call me at 847-673-2242 or send me an email: email@example.com.
- Underwriting
- Information Technology
- Problem Solving
- Customer Service
- Operations Management
- Process Improvement
- Estate and Family Income Planning
- Individual and Group Sales Presentations
- Massage Therapy
Mary Dynes, RHU, REBC
Reliable information in an era of change. After being in the insurance industry for nearly 20 years, health insurance since 2008 is certainly not the same industry as it was when I started. With the implementation of the Affordable Care Act, health insurance, as most people understood it, has been turned on its ear. Every day there seems to be a new change or a tweak. One of the major goals that we have is to stay abreast of the changes and make sure we provide timely, accurate information to our clients.
Helping you use your benefits. This goes hand-in hand with my desire to make sure that our clients not only have current information but also know what to do with that information. I want to make sure our clients know how to utilize their benefits and how to avoid potential insurance pitfalls.
Committed to making you a client for life. My commitment is to make sure our clients know that they are a priority whether they have a question or a problem that develops after the client's purchase. For me having a strong service presence is an absolute necessity. It is the signature of a client-centered agency.
If having someone to watch your back after your purchase is a priority for you, please call me at 847-675-5578, ext. 10 or send me an email: firstname.lastname@example.com.
- Group Health
- Group Ancillary Products: Life, STD, LTD, Dental, Vision
- Voluntary Benefits
- Group Benefits Administration
- Problem Solving
- Customer Service
- Compliance
Alana Lang Kahan
I may be new to Lang Financial Group, but I've been learning about insurance my whole life. As the fourth family member to join the business, you might say it's in my blood. I share the same passion and commitment to excellence as my grandfather, my mother and my sister, and I take that legacy seriously.
As both a millennial and an Operations Management major, I'm accustomed to thinking outside the box, challenging the status quo, and coming up with new solutions to old problems. At Lang, I offer a fresh pair of eyes to assess the way we operate and streamline outdated processes. I continually ask the question "How can we do it better?" This means looking for new ways to deliver the best insurance products and services to our clients and their families, ensuring that they stay protected.
ADAPTABILITY IS KEY. Insurance is all about change: both changes in the industry and the changes in our clients' lives as they age. From my college study abroad and extensive travel experiences, I've learned to adapt to any situation, a skill I use every day at work. I stay current on industry trends through continual market research and education, which enables me to meet the evolving needs of our clients.
MY FOCUS IS SERVICE. As an individual health and life insurance specialist, my goal is to make sure our clients know I'm here for them. I love building relationships, and I treat our clients like people, not policy numbers. Having grown up in the Chicago area, I have strong roots here and a wide network to draw on to expand our business.
As a member of the Bridgeview Insurance Services Team, I add a fresh perspective and energetic approach to creating plans that work. My goal is long-term relationships for long-term solutions.
If you're interested in learning how I can help you, then contact me at 847-675-5578, ext. 17 or send me an email: email@example.com.
- Individual Life and Health Insurance
- Market Research
- Problem Solving
- Sales/New Business Development


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Mister Rogers' Neighborhood
2018 marks 50 years since Mister Rogers' Neighborhood first premiered on television. Follow us on Facebook and Twitter to stay up to date on the exciting anniversary events scheduled throughout this year. #MisterRogers50 #ItsABeautifulDay
Mister Rogers' Neighborhood was a "television visit" between Mister Rogers and his young viewers. With his caring and trusting ways, Mister Rogers created a calm, safe place for children to learn about themselves, about others, and about the world around them. Mister Rogers brought them a one-to-one affirmation of their self-worth. Scroll down to view an interactive timeline of the program's highlights over the last 50 years.

subset: commoncrawl


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Students Build Friendship Towers
Third graders at Greendale Elementary started the year off right! As a part of learning procedures and routines during the first few days of school, students discussed what makes a good friend. They read the book Chrysanthemum by Kevin Henkes, the story of a young mouse who went to school full of excitement only to be met with jokes about her name. Third graders brainstormed ways that they could make friends feel welcome and safe in their classroom. Students then wrote their ideas on cards that they used to build a friendship tower.


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So few riders use the Oregon State University-Cascades campus shuttle that it might not return next year.
Students and university employees can use the shuttle, a van operated by Bend Towncars, to travel to the Century Drive transit stop, the OSU-Cascades Graduate Research Center on SW Columbia Street and the free long-term parking lot at the intersection of Simpson Avenue and Columbia. The shuttle runs every 10 minutes, but it's seldom used.
"We're still considering whether to continue it or not," OSU-Cascades spokeswoman Christine Coffin said. "That's part of our budgeting process and a part of our active transportation strategy too."
While the university doesn't yet have ridership data for its winter term, which started Jan. 8, Coffin said it seems consistent with data from last spring. Then, the shuttle ran from 7:30 to 11:30 a.m. and 2:30 to 6:30 p.m., times when the university believed it would see peak usage.
Average morning ridership was typically between eight and 11 riders, and evening ridership was between six and nine riders.
While the shuttle now runs all day, it still has few riders, Coffin said.
"Anecdotally, we know from the drivers that it's just one rider here, two riders there," she said.
The low use this year might be due in part to this year's mild winter, Coffin said. She said she's seen students walking to campus from the off-site lot during the nice weather.
Along with walking, or using the campus shuttle, OSU-Cascades students can take Cascades East Transit Route 12, which runs every 30 minutes in nice weather and every hour in snow. All students and employees have free bus access through their university ID cards.
The campus also has a Zagster bike station at the lot during mild weather, Coffin said.
For now, the shuttle service will end on March 31, the last day of the winter term, said Casey Bergh, the OSU-Cascades transportation program manager. It's a pilot program, and the university is analyzing its use to decide whether to renew the roughly $25,000 contract with Bend Towncars next year, he said.
OSU-Cascades also might look at other options, such as tying into the RIDE BEND shuttle, a free-to-ride bus funded by the city of Bend, Visit Bend and the Central Oregon Intergovernmental Council that ran in a loop around the campus, downtown Bend and the Old Mill District every afternoon this summer.
In an email shared with Bend city councilors Bill Moseley and Sally Russell and obtained by The Bulletin through a public-records request, Awbrey Butte Neighborhood Association Vice Chairman Gavin Leslie suggested including the stops as part of an enhanced RIDE BEND service.
Leslie, who is also a member of Bend's citywide transportation advisory committee and a part of Bend 2030's transportation initiative, Move Bend, said he's interested in innovative ways to reduce the number of cars traveling in the city. Many OSU-Cascades students commute to campus from neighboring areas and could benefit from a park-and-ride model, he wrote.
"The key to all of this is to have fewer cars on the road without sacrificing any of the comfort, privacy and convenience of using your own car," he said.
— Reporter: 541-633-2160; firstname.lastname@example.com


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The WKU Writing Center
The Writing Center offers individual conferences about writing with our staff of English majors and graduate students. Our services are available to all Western Kentucky University students.
Take a video tour of the Writing Center or learn about our thesis writing workshops on our Resources for Thesis Writers page!
Summer 2018 Hours
(May 14 - August 9)
Cherry Hall 123
Monday - Thursday: 9 am - 2 pm
Extended Hours:
June 4-14: 9 am - 4:30 pm
CLOSED: Memorial Day (May 28) & July 4
What We Do:
Writers need feedback from readers to help refine their writing. The Writing Center can give you this feedback. Our tutors will talk with you about your writing to help you:
brainstorm ideas
clarify main points
strengthen logic and support
smooth out organization
integrate sources and credit them properly
fine-tune sentence style
learn to proofread
Because we want to help you become a better writer, we won't edit or proofread your paper for you. We will help you learn to revise and edit so you will be better able to catch your own errors and improve your own content, organization, and style.
Schedule an Appointment:
Visit our Appointment Scheduler (for both locations). Please take note of the location at which your appointment is scheduled.
Don't miss the video tutorial about scheduling.
Email us to find out about scheduling an Adobe Connect Conference for a conversation with a tutor in realtime at firstname.lastname@example.com
Submit your paper here if you need help from our online resource.*
After you submit your paper, we try to respond on the next business day via email with an estimated return time for your feedback (generally returned within 72 hours--not counting weekends). Please submit your request as soon as you know you need help. If you wait until your deadline is looming, there may be others who submitted before you (first come, first served), plus you'll need time to read and utilize our suggestions.
*We'll give you our feedback on your writing by email, but will not proofread your entire paper (see below for details).
Contact Us:
Email us at firstname.lastname@example.com.
Call our primary location in 123 Cherry Hall at (270) 745-5719 during our operating hours if you have questions or would prefer to schedule your appointment by phone.
Visit the Glasgow Writing Center's webpage or call (270) 861-6900 if you live in or near Glasgow and have questions or would like to schedule your appointment by phone.
Stay Up-to-Date on All Things Writing Center:
View our thesis workshop videos and other resources on our Resources for Thesis Writers page.
Like us on Facebook for updates about hours and special events.
Visit our blog for writing tips and links to online resources.
The Writing Center offers helpful feedback on any kind of writing by working with students to help them improve themselves and become better writers.
Note: documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,
download Adobe Acrobat Reader.
Note: documents in Quicktime Movie format [MOV] require Apple Quicktime,
download quicktime.


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by Allen Wyatt
(last updated June 11, 2018)
Loretta wants to set a default row height with word wrap, but she also wants automatic row height to play into it. She doesn't want some "skinny" rows to appear. The default row height in her worksheet seems to be 12.75 but she'd like that to be, perhaps, 25 and then auto-adjust for any rows that need to have more height. She wonders how to make the default work this way.
There are two ways you can specify row height in a worksheet: explicitly or implicitly. You specify an explicit row height by using the tools on the ribbon to specify the exact height you want used for a particular row or rows. When you do so, you are "locking" the row height so that it is always what you specified.
Implicit height is calculated by Excel based on the size of the largest font used in the row. The default font for Excel is 10-point Calibri, so the row height is calculated to be 12.75. There seems to be no rhyme or reason on how this calculation occurs. For instance, if you change from 10-point Calibri to 20-point Calibri, you would expect the row height to double—but it doesn't. Instead, the row height becomes 26.25. If you change the font from Calibri to Arial, but leave it at 20 points, the row height automatically changes to 25.5.
Loretta wants the row height to be 25 and adjust larger, if necessary, and she wants it to be done automatically. There are no settings to do this. If you change the row height for a workbook to 25, explicitly, it won't adjust larger automatically. That means you need to leave the row height set to implicitly adjust (done by choosing AutoFit as the row height) and, somehow, get it to go no lower than 25.
The only way we've been able to determine to do this as Loretta envisions is to change the font and/or font size for the worksheet. As already noted, you could specify a default 20-point Arial font, and your row height would be 25.5—pretty close to Loretta's desire. This is a rather large font, but you could change the size of the font in individual columns (or cells) within a row and not have it affect the row height. This is true as long as at least one cell in the row is formatted to use a 20-point Arial font.
To change the default font used by Excel, follow these steps:
Figure 1. The General options of the Excel Options dialog box.
Another approach is to adjust a column's font after you create a new workbook. For instance, let's say you open a new workbook, and you know that the data you enter will occupy rows in columns A through M. You could select column N (one column past where you will be working) and change the font for that single column to 20-point Arial. Excel automatically adjusts the row height in all the rows to 20.5 based on the new implicit row-height calculation for column N. There doesn't have to be any data in column N; you just need to adjust the font and/or font size for the column.
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You may have a need to increase the height of the rows in your worksheet to "spread out" the data when it is printed. ...Discover More
Want Excel to automatically adjust the height of a worksheet row when it wraps text within the cell? It's easy to do, ...Discover More
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2016-06-10 10:49:06
Stan Straatman
Hi Allen,
No way to have a defaul Row height in Excel. Solved it to one colomn with bigger font. Excel is than adjusting according that font. Make that colomnn hidden.
Change than back to Autofit Row Height.
With this you have a changed standard row hight and can make use of autofit.
2016-04-19 21:48:33
Hey Bill, thanks for this superb trick!! So simple yet so effective!! Thanks once again!
2016-04-13 09:40:52
Bill M
My spreadsheet columns are from A to K, and the font is 9 for everything. In Column L (which is outside my work area and contains no text), I selected the entire column and changed the font to 12. This allowed all of the rows in my work area to expand height-wise.
2016-03-04 14:30:42
Morris Manning
If working with merged cells, this works for me. Place in appropriate sheet, set intersect ranges and set NewRhHt to desired factor.
Private Sub Worksheet_Change(ByVal Target As Range)
''Excel does not have a feature which autofits row heights on merged cells.
''This macro does perform an autofit of row heights on designated merged cells.
''Adapted from Jim Reck by Greg Wilson, with modifications suggested in a blog _
by Debra Dalgleish with comments by "Smallman", (Ozfrid MVP) and others.
Dim NewRwHt As Single
Dim cWdth As Single, MrgeWdth As Single
Dim c As Range, cc As Range
Dim ma As Range
'Substitute one or more cell address below representing merged ranges where row height will be automatically _
adjusted to account for wrapped text. Reducing text to one line will automatically reduce row height accordingly. _
Since this code changes only one merged range at a time, it is much faster than using an array approach which _
causes processing all target ranges for each change in one cell.
'Cell addresses representing merged ranges must be unlocked in a protected sheet or workbook.
If Not Intersect(Target, Range("B23, B25, B27, B29, B31, B32, B33, B34, B35, B36, B37, B38, B39, B40, B41, B42")) Is Nothing Then
With Target
If .MergeCells And .WrapText Then
Set c = Target.Cells(1, 1)
If c.Locked = True Then
c.Locked = False
End If
cWdth = c.ColumnWidth
Set ma = c.MergeArea
For Each cc In ma.Cells
MrgeWdth = MrgeWdth + cc.ColumnWidth
Application.ScreenUpdating = False
ma.MergeCells = False
c.ColumnWidth = MrgeWdth
NewRwHt = c.RowHeight
c.ColumnWidth = cWdth
ma.MergeCells = True
ma.RowHeight = NewRwHt * 1.3 'This increases row height by a factor of 30%. Adjust as desired
cWdth = 0: MrgeWdth = 0
If c.Locked = True Then
c.Locked = False
End If
Application.ScreenUpdating = True
End If
End With
End If
End Sub
2016-03-04 07:39:52
I did the changes as suggested here. However, my "Options" box did not have all of the options your screen shot had. Is it due to the version or are you using an "advanced" option?
2015-12-23 10:03:18
One way to achieve this is to insert a column and in each cell down add any character; format the font for this column as say 22. This turns up the row height to 30 or so and still allows a auto row height. Then hide the column. QED
2013-07-24 10:47:39
C Jenkins quick workaround fixed it for me! Thank you! This has been bugging me for awhile. Brilliant fix!
2013-07-16 12:01:28
That worked! Thanks!
2013-07-16 11:55:26
Willy Vanhaelen
Do the following to be sure you copy the macro in the right place:
- Activate the sheet you want the macro to work in.
- Click the 'Developer' tab in the ribbon.
- Click 'View Code' in 'Controls'.
- That's the place were you can copy the macro.
- Be sure NOT to change the macro's name.
The macro will only be triggered when the cell's content is changed. Simply changing the font size for example will not trigger it unless you afterwards press F2 and Enter.
2013-07-15 14:28:01
I tried Willy's macro and couldn't get it to work properly when I thought it would adjust the line height to higher than 25. I put his macro into a new macro saved in the worksheet I was using. Wasn't sure about his direction to put it in the VBA project.
2013-07-09 17:03:45
Don ... if your organization creates Certificates for each person required, then you can use those to maintain security and still be able to create and use custom macros.
Have your IT people look into it. The certificate writer is included in MS Office.
2013-07-08 14:11:14
Willy...Thanks for the macro. I've got a slightly different use for it, resetting row height when there are merged cells.
There is one problem with macros (and I use a lot of them): Sometimes organizations place security restrictions on and lock that on people's PCs.
2013-07-08 01:30:07
C Jenkins
Another solution is select one column, change the font to give you the desired row height.
Now hide the column from view.
Setup the selected columns with text wrap, ensure the text in these columns is set vertically in the centre.
2013-07-06 11:06:52
Willy Vanhaelen
Here is a solution to do this autmatically.
Set the row height explicitly to 25 for the entire worksheet or the range you want as explained in the second paragraph above.
Place this little macro in the corresponding sheet in the VBA project (not in a module!). When entering data it will adjust the row height automatically to larger when necessary or keep it / restore it to 25 otherwise:
Private Sub Worksheet_Change(ByVal Target As Range)
If Target.Rows.RowHeight < 25 Then Target.Rows.RowHeight = 25
End Sub
Willy Vanhaelen
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fatty acids are a form of polyunsaturated fats, one of four basic types
of fat that the body derives from food. (Cholesterol, saturated fat, and
monounsaturated fat are the others.) All polyunsaturated fats, including
the omega-3s, are increasingly recognized as important to human health.
Eating too many foods rich in saturated fats has been associated with the development of degenerative diseases, including heart disease and even cancer. Polyunsaturated fatty acids, however, are actually good for you. Omega-3s (found primarily in cold-water fish) fall into this category, along with omega-6s, another type of polyunsaturated fatty acids found in grains, most plant-based oils, poultry, and eggs.
Why "essential?" Omega-3s (and omega-6s) are termed essential fatty acids (EFAs) because they are critical for good health. However, the body cannot make them on its own. For this reason, omega-3s must be obtained from food, thus making outside sources of these fats "essential."
Although the body needs both omega-3s and omega-6s to thrive, most people consume far more 6s than 3s. Hardly a day goes by, however, without reports of another health benefit associated with omega-3s. For this reason, many experts recommend consuming a better balance these two EFAs.
Different types of omega-3s. Key omega-3 fatty acids include eicosapentaenoic acid (EPA) and docosahexanoic acid (DHA), both found primarily in oily cold-water fish such as tuna, salmon, and mackerel. Aside from fresh seaweed, a staple of many cultures, plant foods rarely contain EPA or DHA.


text:
Invincible Defense Technology Links—
Solutions for a Strong Military
A Comprehensive List of Links About Preventing War and Terrorism with Invincible Defense Technology. Invincible Defence Technology utilizes the Transcendental Meditation technique (TM) and the TM-Sidhi Program with Yogic Flying to prevent an enemy from arising, stop terrorism and end wars.
Synonyms for Invincible Defense Technology are Consciousness-Based Defense, Unified Field-Based Defense, and Maharishi's Vedic Technology of Defense. The underlying theory of Invincible Defense Technology include Maharishi's Absolute Theory of Defense, Maharishi's Supreme Military Science, Vedic Defense (Vedic Defence), and The Maharishi Effect.
Related topics: Victory Before War; Prevention-Oriented Defense; Preventing the Birth of an Enemy; Rashtriya kavach; Averting the Danger Before it Comes; Averting the Danger that has not yet Come; Heyam duhkham anagatam (Averting the Danger Before it Comes); Tat sannidhau vairatyagah (In the vicinity of Yogic influence—unifying influence, integrating influence, coherent and harmonious influence—conflicting tendencies do not arise); Dhanur-Veda (Dhanur Veda).
Important Web Pages About Invincible Defense
Army General Offers President Bush Alternative to Missile Defense Shield — Major General Singh, (Ret.) respected military leader and terrorist expert from India proposes Invincible Defense Technology as a "Vedic Defence Shield" for prevention of terrorism and war.
Book Review — Maharishi's Absolute Theory of Defence: Sovereignty in Invincibility — In his book, Maharishi establishes the clear need to deploy a new and reliable Invincible Defense Technology, pointing out that the real basis of defense is invincibility. (buy it)
Brazilian Military Police Pictures — Brazilian warriors learned Invincible Defense Technology as part of their military training. A number of Brazilian state governments introduced the technology. More than twenty-six thousand military police officers of all ranks were instructed.
Compliments to Military Service by Maharishi Mahesh Yogi — A chapter of the book Maharishi's Absolute Theory of Defence with Sanskrit military expressions from the Vedas and translations.
Contrasting Strategies of National Defense — A chart comparing old defence strategies with the new, emerging strategies offered by Invincible Defense Technology. Old: Skillful use of dynamism. New: Skillful use of silence.
Defense Without Violence — Software engineer Charles R. Landu's introduction to the Maharishi Effect.
Empowering Women's Wisdom Update — Message by Dr. Christiane Northrup about Invincible Defense Technology. She is an obstetrician/gynecologist, and is internationally known for her visionary, empowering approach to health and wellness. She appears regularly discusses health issues on PBS.
Expansion of Hostilities to Croatia in 1999/2000 Averted by Yogic Flyers — A group of Yogic Flyers, practising Invincible Defense Technology, reached the square root of 1% threshold in an area of Croatia during a Serbian invasion. The troops withdrew after ten days.
Hagelin Responds To Tuesday's Tragedy: It's Time For Solutions — Dr. John Hagelin asserts that precious time should not be spent lamenting on how the September 11 terrorist attacks could have been prevented. He urges that Invincible Defense Technology be used to prevent further carnage.
"Invincible Defense" Strategy Welcomed on Capitol Hill — Report about Dr. John Hagelin, Dr. David Edwards, Dr. Peter Salk, and Dr. John Davies, speaking at dozens of top-level government meetings with members of Congress, top leaders at the National Security Council, Pentagon and State Department.
John Hagelin Meets With US Rep. Dennis Kucinich To Discuss Department Of Peace Legislation (H.R. 2459) — discussion on proposed legislation for a Department of Peace and the emergence planned University of Peace or schools of peace which teach effective means of conflict resolution such as Invincible Defense Technology.
John Hagelin Returns to Washington To Support Proposal for Permanent World Peace — Dr. Hagelin calls for establishing one group of 40,000 experts in stress-reducing Invincible Defense Technology in India to dramatically reduce acute ethnic and religious tensions which underlie terrorism and fuel the current global crisis.
Maharishi Effect Paper and Presentations — A table summarizing research on the Maharishi Effect. Part of an article published by Security and Political Risk Analysis (SAPRA) in 1999.
Natural Law on National Security — The leader of New Zealand's Natural Law Party proposes the establishment of a "prevention wing" of the military to maintain coherence in collective consciousness.
News Conference — Maharishi offers his proposal for permanent world peace. Recorded 28 Sept 01 at the National Press Club, Washington, D.C. Webpage features chart showing where Invincible Defense Technology is found in the different levels of physics.
Poll: Do You Think a Consciousness-Based Defense System Can Work? — Poll on About.com with results and links.
Preventing Terrorism: A Scientifically Validated Approach to Prevent Terrorism and Ensure US Security and World Peace — Website advocates the establishment of a permanent group of 40,000 experts in Invincible Defense Technology to neutralize the acute ethnic and religious tensions that fuel violence and social conflict, effectively disarming terrorism at its basis.
Royal Swedish Air Force (RSAF) Research — Describes study conducted on Invincible Defense Technology by Lt. Col. Sandahl of the National Defense Research Institute, Karlstad, Sweden, on individual mental health improvements for pilots as measured by the Defence Mechanism Test (DMT). (Available in Deutsch, English and Français)
Scientific Research Conducted On Invincible Defense Technology By Brazilian Scientists — Charts illustrating significant improvements in health and discipline by military police officers and cadets in the State of Bahia, Brazil and the Military Police Academy of Piaui, Brazil, who likewise experienced significant improvements.
Unified Field-Based Defense by Maharishi Mahesh Yogi — A selection from the book Life Supported by Natural Law. "The ideal of defense is invincibility…"
US Peace Government — John Hagelin proposes the creation of a complementary American government "to promote harmony in America and peace in the world."
Publications, Newspaper Articles and Presentations About
Invincible Defense Technology In English
A Proven Enlightened Counter-measure — The Department of Defense is responsible for protecting the US, and is obligated to thoroughly examine realistic, scientifically-proven methods for ending war and terrorism, says Dr. David Leffler in an editorial published by the Dubai-based Aljazeera Magazine and UK-based Middle East Online.
A Proven Approach to Counter Terrorism in India — Editorials published in Northern News Lines, and News Wing by Maj. Gen. Kulwant Singh (Indian Army, Retd), Dr. John Hagelin (the Harvard-trained quantum physicist who won the prestigious Kilby Award, and appeared in the feature films The Secret and What the Bleep Do We Know?) and Dr. David Leffler assert that Invincible Defence Technology is the only effective scientifically-validated anti-terrorism approach to prevent terrorist attacks like those in Mumbai, India.
A New Military Science In Moscow — Article in Insight about lectures on Invincible Defense Technology that author Dr. David Leffler gave at defense-related institutions such as the Russian Air Force Academy and The Russian Academy of Sciences.
A New Year's Resolution: Create World Peace through Vedic Defense — Article in Lokvani E-Magazine, a bi-weekly e-magazine for New England's Indian community by Ms. Lee Leffler and Dr. David Leffler, December 2007.
Are All Meditations the Same? Comparing the Neural Patterns of Mindfulness Meditation, Tibetan Buddhism Kargyu tradition and the Transcendental Meditation Technique — Presentation about one of the main components of Invincible Defense Technology by Dr. Fred Travis at the Science of Consciousness conference in Tuscon, AZ, April 2006.
Attn: Abdul Kalam, a Positive Counter-Terrorism Method for India — Editorial published by United News Network. Maj. Gen. Kulwant Singh (Indian Army, Retd), Dr. John Hagelin, and Dr. David Leffler respond to former President of India Dr. A. P. J. Abdul Kalam, who said on December 2, 2008 after the Mumbai terrorist attacks that: "India has to have positive counter-terrorism methods so that we can end terrorism once for all. If evil minds combine, good minds have to cooperate and combat them."
Best option: Meditation may bring Iraqi peace — Op-Ed piece in the Des Moines Register by Dr. John Hagelin. We have options to create stability in Iraq besides "bring the troops home" or "send reinforcements" — how about "form peace-creating groups."
"Bomb of Silence" – Invincible Defence Technology for Sri Lanka — Article submitted for publication in Defence Review Committee. Describes how Sri Lanka could quickly end conflict through Invincible Defense Technology. Written by Michael Larrass, Ph.D., Major General Kulwant Singh, Ph.D. (Ret.) and David R. Leffler, Ph.D. (German translation)
Can Good Vibrations Stop War? — Pittsburgh Post-Gazette columnist Dennis Roddy explores the idea of "peace palaces" to prevent an invasion of Iraq.
Counter Insurgency: Vedic Security Strategy for India? — Article in IndiaDefence calls for India to use Invincible Defense Technology to end counter insurgency. Written by Major General Kulwant Singh, Ph.D. (Ret.) and David R. Leffler, Ph.D.
Defence Strategy Based on Vedas — Commentary by Rakesh Dattaon, Head of the Department of Strategic Studies, Punjabi University, on Maharishi's invincibility strategy in The Tribune in India.
Do We Need a Scientific Revolution in Order to Create World Peace? — Article by Jonathan Rowson, published in the May 2003 issue of Damocles–The Newsletter of Peace, War, and Human Nature published at Harvard University, argues that the idea of Invincible Defense Technology influencing collective consciousness to create peace "has at least some scientific plausibility and should be given more attention."
Dr. Hagelin Speaks to Danish Peace Conference Attended by Minister of Defense — Article by Jim Karpen in The Review, June 14, 2004. The Danish Minister of Defence, Søren Gade recently attended a peace conference where quantum physicist Dr. John Hagelin and film maker David Lynch spoke about using Invincible Defense Technology (IDT) in Denmark. Regarding the use of IDT to create peace, Defense Minister Gade said, "We share the same goal: Peace and security. There are many ways of achieving peace, I believe that the Peace Keepers of the United Nations is a good way of doing this, but it is important to discuss other methods of achieving peace."
Ending Conflict Between Ethiopia and Eritrea — Article in Ethiopian-Eritrean Conflict Webpage sponsored by the University of Cincinnati History Forum. Authors Dr. David and Mrs. Lee Leffler say that this near decade old quagmire could be quickly ended using Invincible Defense Technology.
Fighting Terrorism in India — Article originally published by Indian Armed Forces in which Major General Kulwant Singh and Dr. David Leffler advocate that India's military should adopt Invincible Defense Technology to permanently stop terrorism and war. (Available in English and Italiano.)
Enlighten Your Life radio program from Seattle (KKNW AM 11500) interviewed Center for Advanced Military Science (CAMS) advisor Colonel Brian M. Rees (author of Terrorism, Retaliation and Victory) on 26 September 2006 and Dr. David Leffler, a director at CAMS, on 24 October 2006. Each hour-long show is archived.
From the BBC News – Northern Ireland – What the Papers Say — An article published by the Independent explains a new strategy to end global terrorism by training 40,000 specialists in Invincible Defense Technology. A Pentagon spokesman described the plan as a "noble effort".
Group Meditation Reduces Terrorism: A New Research Report — About.com describes the study in the Journal of Offender Rehabilitation (showing a 72% reduction in international terrorism), mentions Colonel Rees' book, and explains the "Peace Palaces" proposed for the U.S.
Homeland Security with Unified Field-Based Defense Technology — Article published in Defence India. Written by Maj. Gen. (Retd) Kulwant Singh, Ph.D., U.Y.S.M., Col. Brian Rees, M.D., M.P.H., U.S. Army, Michael Larrass, Ph.D., and David R. Leffler, Ph.D.
How to End Terrorism & War: About a Consciousness-Based Defense System — A Consciousness-Based defense model that relies on group meditation to prevent the birth of enemies by reducing collective stress in society, is gaining popularity. Dr. David & Lee Leffler talk about Maharishi's Vedic Technology of Invincible Defense in an article published by About.com.
Invincible Defense–A New "Secret Weapon!" — Article in Canadian Centres for Teaching Peace. Scientists and Navy SEAL officer assert Invincible Defence Technology prevents terrorism and war. Thought-provoking article describes deployment of, and underlying theory behind, revolutionary system deployed by Mozambique military.
Invincible Defence Against Terrorism — Article from London-based Share the World's Resources mentions and links to a new study published in the Journal of Offender Rehabilitation showed a 72% reduction in international terrorism. By Major General Kulwant Singh (Indian Army, Retired) and Dr. David R. Leffler. (Spanish translation) (German translation)
Lets Give Maharishis Peace Force A Chance — Article in the Bermuda Sun by Stuart Hayward asserts that destruction in the name of protection and killing people doesn't destroy terrorism, it only fertilizes more enmity. He supports implementation of Invincible Defence Technology.
Maharishi's Course on Supreme Military Science — A complete university-level course outline on Invincible Defense Technology, including videotapes featuring Maharishi Mahesh Yogi, Major General Franklin M. Davis (then Commandant, U.S. Army War College), and Brigadier General Robert Gard (then Director, Human Resources Development, U.S. Department of the Army).
Meditate, Don't Mediate — Jerusalem Post article, by Barry Davis, explores the idea of using Invincible Defense Technology to end the conflict in the Middle East.
Meditation Is Path To Peace, Mozambique Leader Says — Article in The Guardian, James Astill writes from Maputo, Mozambique explaining how Maharishi's Theory of Invincible Defence was applied through the creation of a Prevention Wing of the Military by Ground, Naval and Air Forces.
Miracle Making in Washington: Using Meditation to Activate the Unified Field of Peace — Article on Dr. John Hagelin and Invincible Defense Technology in Spirit in the Smokies: Magazine of New Paradigm Living in Ashville, NC.
Mozambique's Prevention Wing Of The Military: End Civil War, Improve The Economy — Article in Africa Economic Analysis, Dr. David Leffler and Mrs. Lee Leffler discuss the benefits gained from deployment of Invincible Defense Technology by the Mozambique Ground, Naval and Air Forces. (Available in English, Español, Français and Hungarian.)
Natural Law on National Security — The leader of New Zealand's Natural Law Party proposes the establishment of a "prevention wing" of the military to maintain coherence in collective consciousness.
New Invincible Defence trend in India? Ending war and political violence — Article in Indian Strategic Review. If India wants to create peace, it can study Mozambique's successful implementation of Consciousness-Based defense.
New War Strategy Aims For Peace — Author Angi Patton writes in The Daily Cougar that individuals radiating coherence is scientifically documented. Although it sounds exotic, bizarre, and out of the ordinary, Invincible Defense Technology diffuses hostility and neutralizes negative tendencies.
No One Wants The Nobel War Prize — An article published in The Modern Tribune that says world leaders should have been given the Nobel War Prize (if it existed) because they have passed up on the chance to stop war through Invincible Defense Technology. By Dr. David Leffler.
Operation: World Peace — Article in Defence India by Major General Guru Israni (editor of Combat Journal) and Dr. David Leffler. The attacks of September 11, 2001 could have been prevented using Invincible Defense Technology.
Permanent Peace: How to Stop Terrorism and War–Now and Forever — Book published in 2002 on Invincible Defense Technology by Robert Oates. (buy it)
Photo: Israeli Experts in Invincible Defense Technology — Time Magazine chose a photograph of Israeli experts in Invincible Defense Technology as one of the week's best pictures, July 20-26, 2002.
Photo: Israeli Meditation Experts Demonstrate Yogic Flying — Reuters photo published by The Tribune (appears near bottom of the webpage).
Preventing Terrorism: Paving the Way to Peace With Invincible Defense Technology — Article and forum in Defence Talk. Major General Kulwant Singh and Dr. David R. Leffler point out that no peer-reviewed studies showing strategies and tactics such as military bombing prevent terrorism. Invincible Defense Technology has been proven and field-tested.
Preventing The Flood Of Refugees In Tanzania — Article in The Express, Dr. David Leffler and Mrs. Lee Leffler propose that Tanzania could prevent tensions from boiling over into war and conflict by following the example of Mozambique and deploying Invincible Defense Technology.
Preventing War And Terrorism — Article in Security And Political Risk Analysis (SAPRA) Bulletin. Dr. David Leffler and Mrs. Lee Leffler assert that prevention is the easiest way to avoid conflict. Reduce collective social stress through Invincible Defence Technology.
Preventing War With Consciousness-Based Defence — Article in The Daily Mail & Guardian, Dr. David Leffler and Mrs. Lee Leffler argue that preventing terrorism and war is a simple shift in perspective, the adoption of Invincible Defence Technology.
Project: Coherence — Article published by India Defence Consultants about the military of Ecuador using Invincible Defense Technology to end their war with Peru, by Lt. General José Villamil, the former Vice-Minister of Defense with Dr. David Leffler. (Available in English and Español.)
Promise for PTSD — Article in Military Officer Magazine, a publication of the Military Officers Association of America (MOAA) covering alternative therapies for post-traumatic stress disorder including the principle component of Invincible Defense Technology, the Transcendental Meditation technique.
Rebuttal of "Evaluating Heterodox Theories" — Dr. David Orme-Johnson, a prominent scientist at the Institute of Science Technology and Public Policy, critiques a paper by Evan Fales and Barry Markovsky that is critical of research conducted on the Maharishi Effect.
Silent Antidote to Terrorism, The — Article in OpEdNews.com, published on Veterans Day, 2004. Major General Kulwant Singh (Indian Army, Retired), Dr. Kurt Kleinschnitz & Dr. David R. Leffler. (also reprinted by India Defence Consultants) who argue that Invincible Defence Technology is the only scientifically validated means to win the war on terrorism.
Spiritual Politics: Consciousness-Based Defense — Article in Tikkun, Dr. David Leffler and Mrs. Lee Leffler contend a new defense model is emerging Invincible Defense based on prevention rather than fear. (Available in English and Español.)
Stress reduction Using the Transcendental Meditation Program: Solution to problems Arising from Combat Stress — Abstract from a presentation about Invincible Defense Technology by Col. Brian M. Rees and Dr. David R. Leffler at the International Sociological Association Research Committee 01 Seoul National University and Korea Military Academy International Conference on Armed Forces and Conflict Resolution in a Globalized World" given on 14 July 2008 in Seoul, Korea.
Terrorism – Violence – War: There Is A Solution! — Major General Kulwant Singh and Dr. David R. Leffler propose Vedic defence to end war and conflict. Published in The Daily Excelsior and reprinted by The Modern Tribune.
Terrorism, Retaliation and Victory — Awaken the Soul of America to Defeat Terrorism without Casualties — Book by Colonel Brian M. Rees, Medical Corps, US Army Reserve, on using Transcendental Meditation to achieve a true, sustained victory over terrorism in America. (buy it)
Rand Think Tank Data Shows 72% Reduction in International Terrorism — Press release from MUM explains a terrorism reduction while large groups of meditators were assembled. The data is from Rand Corporation, a highly-respected think tank. The results were published in the peer-reviewed Journal of Offender Rehabilitation.
Transcendental Meditation Proposed As Homeland Defense — Article published in U.S. Medicine, a major national magazine for health professionals based in Washington, DC. Major General Singh, Dr. John Hagelin and other scientists advocate deployment of Invincible Defense Technology.
Victory Before War — Book published in 2005 by Robert Keith Wallace, Ph.D. and Jay B. Marcus. Puts Invincible Defense Technology in the modern context of preemptive war and terrorism.
Unconventional Conflicts Call for Unconventional Solutions — Article in the Townsend Letter for Doctors and Patients. Martin Zucker, medical writer and former Associated Press foreign correspondent, proposes a preventive approach to terrorism that attacks its root cause.
Academic Papers About Invincible Defense Technology
Editor's Note: Not all academic papers discussing solutions for a strong military are available online. For a list of published papers, see a table that summarizes Maharishi Effect studies.)
A Scientific Formula to Create Invincible National Defence — Dr. Brian Mc Enery, former Army Officer for the Defense Forces of Ireland and Dr. David Leffler, founding member of the Center for Advanced Military Science (CAMS), outline an approach to conflict prevention and resolution based on the elimination of accumulated societal stress through deployment of Invincible Defense Technology.
A Vedic Approach To Military Defense: Reducing Collective Stress Through The Field Effects Of Consciousness — (Doctoral Dissertation, The Union Institute, Cincinnati, Ohio, 1997). Dissertation Abstracts International, 58(08), 3298A. (177 pages) Dr. David Leffler's Project Demonstrating Excellence (PDE) conducts and examines research on Invincible Defense technology.
An Alternative To Military Violence And Fear-Based Deterrence: Twenty Years Of Research On The Maharishi Effect — Academic paper published by the Security And Political Risk Analysis (SAPRA) think tank discusses pertinent Invincible Defense Technology research. Studies presented are so compelling that this alternative, non-threatening strategy for securing peace can be realistically proposed. (Available in Deutsch and English.)
The Application of Strategic Stress Management in Winning the Peace — US Army War College research paper by Colonel (Dr.) Brian M. Rees, Medical Corps, US Army Reserve on Invincible Defense Technology. (English, Spanish)
Comments Regarding The IDC Analysis Of Maharishi's Supreme Military Science–A Revolutionary Change In The Character Of Military Intervention — Rebuttal published by India Defence Consultants (IDC), Dr. David Leffler, Wing Commander Ravi Badhwar (Ret.) and Dr. Kenneth Walton debate IDC opinions concerning deploying a Prevention Wing of the Military using Invincible Defence Technology.
Defence strategy based on Vedas — Article published in The Tribune by Dr. Rakesh Datta, the Reader and Head, Department of Strategic Studies, Punjabi University, Patiala. He argues that "every government in the world can stand on its own feet on the firm ground of invincibility; every nation can achieve the glorious purpose of defencereal sovereigntyand all nations together can enjoy real freedom in fearlessness."
Maharishi's Supreme Military Science–A Revolutionary Change In The Character Of Military Intervention — Academic paper published by India Defence Consultants (IDC), Dr. David Leffler, Wing Commander Ravi Badhwar (Ret.), and Dr. Kenneth Walton advocate deployment of a Prevention Wing of the Military in India using Invincible Defence Technology.
A New Role for the Military: Preventing Enemies from Arising–Reviving an Ancient Approach to Peace — Academic paper presented at the "International Sociological Association Research Committee 01 Seoul National University & Korea Military Academy International Conference on Armed Forces & Conflict Resolution in a Globalized World." 14 – 17 July 2008, Seoul, Korea. This paper was also presented at the Korean Institute for Defense Analyses (KIDA) South Korea's premier military defense-related think tank. The Korean translation of the paper is available here.
Observing the Assessment of Research Information by Peer Reviewers, Newspaper Reporters, and Potential Governmental and Non-Governmental Users: International Peace Project in the Middle East — (341 page Doctoral Dissertation, Harvard University, 1996) Dr. Carla Linton Brown explores whether and how members of the Middle East policy community apply truth and utility tests to Invincible Defense Technology (IDT) related research published in the Journal of Conflict Resolution showing a dramatic reduction in conflict and death – 45% reduction in war intensity and 75% reduction in war deaths, when a critical mass of people used IDT together. Dr. Brown found that several respondents in each elite group that she interviewed were likely to examine a similar paper in the future, motivated in part by their examination of the quality of science involved. She also explores how some of her interviewees did not take the effort to examine the research, including some social scientists who were critical of the research. Dr. Brown explores means for overcoming barriers to use of this research, including prejudice. At a time when the research outcomes described are greatly needed, this pioneering doctoral dissertation may provide context for those who want to understand their own prejudice or built in reservations. Dr. Brown has made this paper available to help military leaders better understand why Invincible Defense Technology is difficult for people to accept; and how these barriers can be overcome. It is hoped that military scientists and analysts will study this paper carefully because it will help them explore this research in a more open-minded fashion. As one of Dr. Brown's respondents said, "People who were trying to [prevent massive suffering and loss of life] can't afford to say, 'I'm not going to read it or go further.'"
Supreme Military Might — An analysis by India Defence Consultants of a revised version of an academic paper about Invincible Defence Technology. Their analysis includes a letter by Dr. Leffler discussing this technology in light of the events of the September 11th terrorist attacks.
Publications and Newspaper Articles
About Invincible Defence Technology
in Other Languages
Combattere il terrorismo in India (Fighting Terrorism in India) — Italian translation of an article by Major General Kulwant Singh and Dr. David Leffler, originally published by Indian Armed Forces. Advocates that India's military should adopt Invincible Defense Technology to permanently stop terrorism and war. (English, Italiano)
Die "Bombe der Stille"- Unbesiegbare Verteidigungstechnologie für Shri Lanka — German translation of "'Bomb of Silence'- Invincible Defence Technology for Shri Lanka" by Dr. Michael Larrass, Maj. Gen. Kulwant Singh, (Ret.) & Dr. David R. Leffler. Submitted to Defence Review Committee. (Deutsch, English)
Eine Alternative zu militärischer Gewalt und einer Angst erzeugenden Verteidigung: Zwanzig Jahre Erforschung des Maharishi-Effekts — (German translation of "An alternative to military violence and fear-based deterrence: Twenty years of research on the Maharishi Effect"). kosovofrieden.de (Deutsch, English.)
Forschung über Transzendentale Meditation (TM) bei der Schwedischen Luftwaffe — (French translation of "Research on Transcendental Meditation (TM) at the Swedish Air force Sensitive test for selection of pilots indicates profound effects on mental health"). Swedish Physicians for Transcendental Meditation (SPTM) (Deutsch, English, Français)
La Politica Espiritual: La Defensa Militar Basada en la Conciencia — (Spanish translation of "Spiritual politics: Consciousness-Based defense). Tikkun, 15(3), pp. 58-59. (English, Español)
La Rama Preventiva del Ejercito de Mozambique: Terminar la Guerro Civil, Mejorar la Economia — (Spanish translation of "Mozambique's prevention wing of the military: End war, improve the economy"). Africa Economic Analysis (English, Español, Français, Hungarian)
La Defensa Invencible Contra El Terrorismo (Spanish translation of "Invincible Defense Against Terrorism") Share the World's Resources (English, Español)
L'unité de Prévention Dans l'Armée du Mozambique: La fin de la Guerre Civile et l'Amélioration de l'économie — (French translation of "Mozambique's Prevention Wing of the Military: End war, Improve the economy"). francemedicale.com (English, Español, Français, Hungarian)
Mozambik: A hadsereg megelõzési szárnya a polgárháború vége, a gazdaság fejlõdése — Hungarian translation of "Mozambique's Prevention Wing of the Military: End Civil War, Improve the Economy." Dr. David Leffler and Mrs. Lee Leffler discuss the benefits gained from deployment of Invincible Defense Technology by the Mozambique Ground, Naval and Air Forces. (English, Español, Français, Hungarian)
Prevenir les Souffrances de Guerre — 3 P – Plus, Parole-Plume-Papier, 24, p. 2. Invincible Defense Technology could insulate Guinea-Conakry from nearby conflict. (Français)
Proyecto: Coherencia — (Spanish translation of "Project: Coherence"). Escrito por el General (ret.) José Martí Villamil de la Cadena, del ejército del Ecuador en colaboración con el Dr. David Leffler. (English, Español)
Recherche sur la technique de Méditation Transcendantale (MT) au sein de l'armée de l'air suédoise — (French translation of "Research on Transcendental Meditation (TM) at the Swedish Air force Sensitive test for selection of pilots indicates profound effects on mental health"). Swedish Physicians for Transcendental Meditation (SPTM) (Deutsch, English, Français)


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Life is a constant journey and so is work as a part of it. To me, work is more than repetitive "work work work" as Rihanna sings. My career as a producer is an ongoing voyage of creativity, skill, learning, inspiration and the drive to grow. The only way to do great work is to love what you do. Being a creative producer and thus producing creative work is my passion and my bread and butter. I would like to see every project I produce as an original, creative and forward-thinking venture that all parties benefit from: the client, the end-user and the creative team. Collaboration and communication are the foundations of every accelerating project and I enjoy being a part of that immensely.
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Leasing property is a daunting task. It's all the same story in Singapore. As the landlord you have numerous responsibilities, not just receiving rental revenues come to the end of each month. With monthly income, there is a lot that needs to be done just to keep your tenants satisfied. We are here to discuss some of the challenges you will encounter as a landlord in Singapore.
Difficult tenants
Well, let's face it humans are difficult to keep happy all the time. This is because we have different needs, character, and mannerism. Some tenants may be mice while others are down-rig cruel and unfriendly. With such diversity, it a challenge to meet everyone need no matter how much you try.
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Becoming adult caretaker
Leasing your property means tenants can call you at any time of the day just to ask for assistance. This is their right as long as they keep paying the rent. To offload some of these pressure, you can choose to hire a property manager, otherwise called agents to manage your units. This way you can have free time and enjoy your vacation.
Cash flow issues
Usually, a landlord uses the rent to pay off mortgage loans. This cash flow will defiantly be tested. Sometimes it due to sheer ignorance but sometimes tenants run into genuine financial difficulties and as a human you have to excuse them for a couple of days. Maintenance cost form units is another expenditure that is difficult to predict. When the elevator breaks down, you have to go out of your way and fix it. To avoid running into a lot of trouble, it advisable to have an emergency fund to ensure that the wellbeing of clients is maintained.
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This cute stamp is from Woodware
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I coloured it in with Spectrum Noir pens going in no particular direction or colour scheme but the result is quite pleasant and it is a fun card.


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Mimika Cooney
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Course Curriculum
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Branding Blueprint
Branding Blueprint 0 Business First
Branding Blueprint 1 Start with Why
Branding Blueprint 2 Defining Ideals
Branding Blueprint 3 Client Avatar
Branding Blueprint 4 Pain Points
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The InstallOSSHPBuilder3.34.exe file you have requested: Command and Conquer: Tiberian Sun / Tools And Utilities / Open Source: SHP Builder 3.34 - 2.06MB is not available. Perhaps try browsing all files for the game Command and Conquer: Tiberian Sun and upload any files you want to share or are missing.
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Reign of Shadow is an established modification of Diablo II, based on patch 1.10. Just to name some of the many features, there are new Uber-Levels, Items/Runewords/Sets and worked-over Skills. It's closely related to LOD but on some aspects we came up with completely new ideas - such as the changed charm principle: All Rare/Magic and Craft charms are deleted and some unique charms, adeptable to your own wishes, are now the way the cookie crumbles. Of course, RoS is mainly influenced by the former modder Surtur and his successor Spike. Nonetheless the community has a huge impact in the development.
Biggest Content Patch since first release in 2006!
reign of shadow 0.90 beta 3.0 full version
Patchlog and more informations in our Forum: ros.freiik.de
reign of shadow 0.84c patch
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Alfalfa Extract Water Soluble
$ 28.99
- Amoretti Item #1231
- Highly concentrated extractions and essential oils
- Cold pressed and virtually alcohol free Kosher
- Bake-proof and freeze-thaw stable
- Versatile for any of your gourmet creations
- TTB Approved
Great on sandwiches, toast, salads, soups, and even smoothies, alfalfa is a delicious addition to many savory applications. With our Alfalfa water-soluble extract, you can easily add it as your secret ingredient to add a unique flavor to dishes. It also makes a great food coloring!
Our highly-concentrated extractions are bake-proof and freeze-thaw-stable, so you can use them in anything from baking to frozen treats. With natural flavor, no preservatives and no artificial flavors or colors, Amoretti's Alfalfa water-soluble extract is a fantastic addition for all your savory and culinary applications.
Great for use at home or in a professional kitchen, our extracts are so highly concentrated, a little really will go a long way! Use our specially calculated use levels to ensure that your creations come out with a beautiful flavor note. However you decide to use it, Amoretti is sure you will love the results!
* To order, please contact us at 1-800-Amoretti (266-7388)


text: Well the EoC tut worked perfectly. Down to 3.2u now. Gamma loaded. However I'm having massive issues in burning. NEC DVD +-RW ND-3530A, Nero 8. Verbatim -R DVD. tried 2x and 4x. Tried 3 different ISOs. All leave a black screen and I "think" give a disk read error. It happens SO FAST its a blink on the screen then back to black. So thats why I "think" it says disc read error. I've read this burner is fine. I've read the verbatim is good. I've read the speeds should be fine. My ISO file sizes all look correct. (4,699,979,776 bytes) I tried the Mushroom and the new Raving Rabbits. Both USA versions. Boot wii -> insert disc -> launch gamma.... black screen, possibly "disc read error" msg, drive makes loud sounds of trying to read the disc. (Originals work fine, no sound from drive.) Any ideas? Should I just try new media?


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By Cameron Rasmusson
Reader Staff
It's a brand new year, and with it comes another session of the Idaho State Legislature.
Judging by the proposed resolutions filed for consideration, legislative activity will be split between housekeeping issues and favorite causes among right-wing Republicans. While Gov. C.L. "Butch" Otter emphasized continuing along a multi-year plan to bolster Idaho's educational system, other legislative proposals seek to defund Planned Parenthood, oppose refugee resettlement and remove the permitting process for carrying concealed weapons.
If legislators follow Otter's lead, education will be the driving issue in Boise this session. The governor spent a large chunk of his 2016 State of the State address Monday on increasing funding to schools and improving student enrollment in college or professional training. His budget request proposes a 7.9 percent boost in funding to K-12 education, returning funding cut due to the Great Recession. His budget also proposes setting aside $38 million to establishing the teacher career ladder revisions.
"We made promises during the Great Recession that we are duty-bound to fulfill," Otter said in his speech. "We have priorities for Idaho's future that require world-class K-12 schools and an advanced, responsive post-secondary education system. And now, we have the financial means."
Whether or not legislators will follow the business-as-usual tone of Otter's speech is an open question. If the resolutions proposed by the Idaho Republican Party are any indication, lawmakers have other subjects on their mind beyond funding schools.
As she indicated last year, Rep. Heather Scott, R-Blanchard, is co-sponsoring a proposed bill with Ronald Nate, R-Rexburg, that would allow Idahoans to carry concealed weapons without a permit. According to a press release issued by Scott and Nate, they plan to introduce the bill within the first weeks of the legislative session.
"Passing the bill would make Idaho the ninth state to fully honor the Second Amendment and virtually end permit requirements for law-abiding citizens to carry concealed firearms," Nate and Scott said in their press release.
According to the legislators, they spent the summer fine-tuning their bill's language with input from law enforcement. Several Idaho sheriffs have thrown in their support for the bill, including Bonner County Sheriff Daryl Wheeler.
"The Constitutional Carry Bill would align Idaho law with the true meaning of the Second Amendment," Wheeler said in the press release. "This bill will not change law enforcement tactics. Also, it is well known that most persons who commit criminal acts do not follow the permitting rules anyway."
Proposals submitted to the Idaho Republican Party at its Winter State Central Committee meeting on Jan. 8 and 9 show a similar emphasis on conservative-favored issues. Some of the resolutions considered included halting refugee resettlement in Idaho, opposing the recent COP21 climate change accords and defunding Planned Parenthood. Another proposal recommended replacing appointments to committees, which often favor more veteran legislators, with a lottery system. Yet another supported amending the Communist Control Act of 1954 to address radical Islam as a national threat.
"Islam, as a complete social, economic, legal, political, and military entity with a religious component, is not a religious denomination under the generally accepted sense of the term and does not merit First Amendment protections under the U.S. Constitution," the resolution reads.
While the Idaho State Legislature has no obligation to consider these party resolutions, they are more evidence of the dueling priorities that will follow lawmakers throughout their 2016 legislative session.
We asked District 1 legislators to share their hopes and expectations for the coming legislative session. While Rep. Heather Scott, R-Blanchard, and Rep. Sage Dixon, R-Ponderay, did not respond to requests for comment, Sen. Shawn Keough expressed her hopes for a productive few months:
"The Legislative Session began Monday and the Governor shared his State of the State and his budget plans with the Legislature.
"As Chairman of the Senate Finance Committee my focus includes District 1 priorities like: increasing funding for the public K-12 schools from the state to pre-Great Recession levels which may, in part, help to diminish the need for our local school districts to ask the property tax payers to foot the bill for basic services that the State should be providing; making certain that a fair portion of the increased gas taxes and vehicle registration fees goes on the roads in our northern counties; and; several other priorities that the people of District 1 have told me they'd like for me to take a look at on our behalf. I will also continue to provide constituent service to the people at home who need assistance communicating with their state agencies."
Sen. Shawn Keough


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Online Only
Berlingot Cheese Knives
Item# 124990-124990
In Stock
99 USD In Stock
$89.10 Member Price
Berlingot Cheese Knives
Enjoy your favorite cheeses with this set of knives made in France from high carbon stainless steel and brightly colored acrylic handles. Set includes a bread knife, cheese knife and large cheese spreader. Easy to re-sharpen.


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We expect this item to come Back in Stock shortly. Often we have a comparable product that we can quickly help you find, so please give us a call at 928.855.6075. If you'd prefer this item only, please enter your email address in the box where it says "Notify me when this item is back in stock!" and as soon as this item is made orderable on our site, you'll get an email from us!
Our pretty new "Jacqueline" metal 3 candle holder will just delight you and your guests! This is a super inexpensive candle holder that�s covered in pretty swirls and acrylic crystals hanging from them. The glass candle cups are 3.5" tall and 2" wide, so you can use votive candles, tea light candles, or short pillar candles! Use as shown or add some floral Decor easily using the swirls to hold everything in place. You might even consider adding some of our LED votive candles which are available in many colors. This candle holder is 24" tall and 13" wide. To change the look for different events just by removing the candle holders and using the stand and hooks alone. We love pieces that can be used for many looks, stretching your decorating dollars.


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Workshops and Trainings
Shamanism Workshops and TrainingsToltec Shamanism - Retrieving personal power through the ancient shamanic practices of the Toltecs
with Twobirds
Thousands of years ago, the Toltec in southern Mexico were known as the 'men and women of knowledge'. They were ancient 'shaman-seers', the receivers and holders of mysteries.
Toltec Shamanism offers a range of practices within the greater shamanic traditions in which the Toltec created vital teachings and practices for the purpose of developing full consciousness and spiritual awakening. It is a powerful, non-sectarian path offering specific tools for self-examination, re-collection of and re-connection with all that we are. It recognises and seeks to nurture the awakening of the life force existing in all of us.
The goal of this training programme is to provide opportunities to move beyond our limited selves to perceive another, practically limitless, aspect of reality in which the confines of our way of being, acting, and feeling - determined by personal history - vanish. This presents the opportunity to reinvent ourselves and to discover authentic and unknown facets lying hidden in remote corners of our being.
This highly experiential journey of deep self-enquiry will consist of two gatherings filled with a rich spectrum of practices and themes, including a programme of suggested practices to be undertaken at home.
Week 1
Darkness Embrace
Initiation into the Toltec path of knowledge through the power of darkness
9 - 15 April 2018 (starts Monday evening 6pm)
Ceremonial darkness is an ancient tool employed by a broad spectrum of traditions including Taoism, Hinduism, and a range of aboriginal and indigenous cultures.
In this first week participants will undergo a two-day period in complete darkness whilst they are led through an initiation into the Toltec path of knowledge.
Many initiations into the mysteries of life have traditionally taken place in darkness. It has proven to be a unique and highly effective tool in opening up to the otherwise 'invisible worlds'. Through 'seeing in the dark' and 'tracking the interior world' participants experience its healing essence and mythic quality as a source of illumination and self-surrender.
The initiation is followed by a two day period of integration to ground the experiences and consider its application in daily life. This will also include a Toltec Sweatlodge Ceremony to mark the completion of the initiation.
'Mystery and imagination arise from the same source. This source is called Darkness... Darkness within darkness, the gateway to all understanding.' LAO-TZU
Please note: While 'Darkness Embrace' is a stand-alone course, it is also the prerequisite for 'Coming Home'.
Week 2
'Coming Home'
4 - 9 September 2018 (starts Monday evening 6pm)
Building onto the Initiation into the Toltec path of knowledge, this second week marks an adventure into the heart of Toltec practices enhanced by visionary experiences and further periods of ceremonial darkness.
The Toltec were supreme artists where every individual life was considered a work of art, a conscious, living creation, always in a dynamic state of evolution. Participants will explore a range of practices found within the Toltec path of knowledge which seek to realise the essence of these principles.
The course will include:
- Exploring the origin of personal power and the need for 'impeccability' through practices that facilitate the storage of personal power (available energy) by living and acting impeccably.
- The art of stalking, which comprises a set of practices which help identify conditioned attitudes and perspectives by gradually erasing issues of self-importance, destructive emotional patterns, and self-limiting beliefs.
- The use of the 'Stalkers Breath' as a key element to tap into other realities.
- Practices that allow us to open up to our personal truth through the art of 'silent knowing', providing the opportunity to directly commune and establish a permanent connection with the 'double' - the aspect of Self that is your Totality, the infinite and eternal other, the Infinite Self.
Maximum participants: 16
Price Information: Week 1 'Darkness Embrace': £410 For further information please go to: Toltec Shamanism - Retrieving personal power through the ancient shamanic practices of the Toltecs
Week 2 'Coming Home': £350
Week 1 'Darkness Embrace': £410
For further information please go to: Toltec Shamanism - Retrieving personal power through the ancient shamanic practices of the Toltecs


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Best Shower Design
Are you searching for property patterns drive? Whether it is the case, after that this Best Shower Design photo stock would be the wonderful place on your behalf. Various variations of the many home designers are located in Best Shower Design image collection, therefore you tend to be liberal to pick. Best Shower Design snapshot stock gives you suggestions that are useful back to you. Now you can see that Best Shower Design photograph collection showed a sophisticated and additionally functional pattern, sign in forums put it on to your house. Following paying attention to every single take into account Best Shower Design photo stock, really you may enrich your practical knowledge on what to make an appropriate property. You can actually find out about picking a the appropriate coloring because of Best Shower Design photograph stock. You will be able to at the same time gain knowledge about how to pick the appropriate fabric coming from Best Shower Design photo collection. As much as possible is highly recommended perfectly to produce a lovely and additionally beautiful home as Best Shower Design photograph collection will show.
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As adjective, superl
of good with better as compar
of the highest quality, excellence, or standing:the best work; the best students
most advantageous, suitable, or desirable:the best way
largest; most:the best part of a day
As adverb, superl
of well with better as compar
most excellently or suitably; with most advantage or success:an opera role that best suits her voice
in or to the highest degree; most fully (usually used in combination):best-suited; best-known; best-loved
As noun
something or someone that is best:They always demand and get the best
The best of us can make mistakes
a person's finest clothing:It's important that you wear your best
a person's most agreeable or desirable emotional state (often preceded by at)
a person's highest degree of competence, inspiration, etc
(often preceded by at)
the highest quality to be found in a given activity or category of things (often preceded by at):cabinetmaking at its best
the best effort that a person, group, or thing can make:Their best fell far short of excellence
a person's best wishes or kindest regards:Please give my best to your father
As verb (used with object)
to get the better of; defeat; beat:He easily bested his opponent in hand-to-hand combat
She bested me in the argument
As Idioms
all for the best, for the good as the final result; to an ultimate advantage:At the time it was hard to realize how it could be all for the best
Also, for the best
as best one can, in the best way possible under the circumstances:We tried to smooth over the disagreement as best we could
at best, under the most favorable circumstances:You may expect to be treated civilly, at best
get / have the best of, to gain the advantage over
to defeat; subdue: His arthritis gets the best of him from time to time
had best, would be wisest or most reasonable to; ought to:You had best phone your mother to tell her where you are going
make the best of, to cope with in the best way possible:to make the best of a bad situation
with the best, on a par with the most capable:He can play bridge with the best
As noun
a brief fall of rain or, sometimes, of hail or snow
Also called shower bath
a bath in which water is sprayed on the body, usually from an overhead perforated nozzle (showerhead)
the apparatus for this or the room or stall enclosing it
a large supply or quantity:a shower of wealth
a party given for a bestowal of presents of a specific kind, especially such a party for a prospective bride or prospective mother:a linen shower; a baby shower
a fall of many objects, as tears, sparks, or missiles
air shower
showers, a room or area equipped with several showerheads or stalls for use by a number of people at the same time
As verb (used with object)
to bestow liberally or lavishly
to deluge (a person) with gifts, favors, etc
:She was showered with gifts on her birthday
to bathe (oneself) in a shower bath
As verb (used without object)
to rain in a shower
to take a shower bath
As Idioms
send to the showers, Baseball
to replace (a pitcher) during a game, usually because he or she is ineffective: The coach sent him to the showers after he walked three batters in a row
to cause (a pitcher) to be replaced in a game, as by getting many hits off him or her; knock out of the box: Two home runs and a line-drive double sent her to the showers
As verb (used with object)
to prepare the preliminary sketch or the plans for (a work to be executed), especially to plan the form and structure of:to design a new bridge
to plan and fashion artistically or skillfully
to intend for a definite purpose:a scholarship designed for foreign students
to form or conceive in the mind; contrive; plan:The prisoner designed an intricate escape
to assign in thought or intention; purpose:He designed to be a doctor
to mark out, as by a sign; indicate
As verb (used without object)
to make drawings, preliminary sketches, or plans
to plan and fashion the form and structure of an object, work of art, decorative scheme, etc
As noun
an outline, sketch, or plan, as of the form and structure of a work of art, an edifice, or a machine to be executed or constructed
organization or structure of formal elements in a work of art; composition
the combination of details or features of a picture, building, etc
; the pattern or motif of artistic work:the design on a bracelet
the art of designing:a school of design
a plan or project:a design for a new process
a plot or intrigue, especially an underhand, deceitful, or treacherous one:His political rivals formulated a design to unseat him
designs, a hostile or aggressive project or scheme having evil or selfish motives:He had designs on his partner's stock
intention; purpose; end
adaptation of means to a preconceived end
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"U" sorted loan risk and fee definitions of familiar mortgage terminology you may have heard of while applying for a loan or by way of navigating this directory.
- Underwriting
- The process of analyzing a loan application to determine the amount of risk involved in making the loan; it includes a review of the potential borrower's credit history and a judgment of the property value.
- Up Front Charges
- The fees charged to homeowners by the lender at the time of closing a mortgage loan. This includes points, broker's fees, insurance, and other charges.
"Single Family Buying Glossary." HUD.gov. U.S. Department of Housing and Urban Development, n.d. Web. .


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December 12, 2017 09:04 AM
KSTP's Chris Egert underwent a successful surgery and was already up and walking Wednesday.
Egert has been facing ankle issues for most of his life and decided the best way to address those issues was to amputate part of his leg, which he did earlier this week.
Several members of the KSTP team stopped by to see Egert, who said he and his family are thankful for all of the thoughts and prayers of those concerned.
You can send Egert well wishes and see his progress by following his Facebook page.
He said he's hoping to be back on the anchor desk in about six to eight weeks.
Took my first steps today — wasn't easy but it felt good getting out of bed. Thanks for all of you who've been sending prayers this way — we appreciate it! pic.twitter.com/Gqok7tZUOQ— Chris Egert (@cegertKSTP) December 5, 2017
Updated: December 12, 2017 09:04 AM
Created: December 07, 2017 05:43 AM
Copyright 2018 - KSTP-TV, LLC A Hubbard Broadcasting Company


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We recently took Waverly to the boardwalk for some random weekend fun with my side of the family. We honestly don't go down there a lot during the summer since there are so many tourists, we try to stick to the bay or other areas where there isn't so much craziness. Yet it was actually a ton of fun, Waverly of course loved that craziness & even surprised us all when she actually sat in her stroller the entire way down there. We took her to a little carnival & ate ice cream, total toddler heaven!
|My Tassel Necklace & Shirt
Waverly's Scarf (Similar)
|Waverly's Headband
Romper Sold-Out, Similar Print Here


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REVIEW: Blake Baxter / Thomas Barnett – Four313 EP (Four313 F3-002 – 2017)
Three-one-three area legend Blake Baxter, the Prince of Techno, is not stuck in the past, if we may think so because of his reissues for Mint Condition. Recently he has produced new tracks for Killekill, and Baxter's latest appearance comes on Four313, a new label from Detroit. He shares theRead More →


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The Milano 1300x800mm wetroom shower enclosure is a great option for adding sleek, designer style to your bathroom. Providing easy access in and out of the shower, this wetroom enclosure features 8mm toughened safety glass with an easy clean protective coating.
The glass panels measure1950mm in height to catch more splashes and feature a sleek chrome profile that will enhance the look of any bathroom décor.
The wetroom enclosure comes with 2 support arms, a t-piece and drain - please make your selection from the drop-down menu.
Milano Wetroom Features:
|Weight (kg)
|Surface Finish Type
|Polished Chrome
|Enclosure Type
|Width (mm)
|Polished Chrome
|Wet Room Enclosure
|Height (mm)
|Aluminium/Toughened Safety Glass
|Projection From Wall (mm)
|10 Years
Have you purchased the Milano Portland Corner Wet-Room Shower Enclosure (900mm x 800mm Glass) - Inc. Drain? If so we'd love to know what you think of it.
The BigBathroomShop.co.uk Warehouse is able to immediately dispatch items which are in stock. Our same day dispatch service applies to orders completed by 2:00pm Monday - Friday (except Bank Holidays).
Here at BigBathroomShop.co.uk we operate a 14 days return policy, so if you are not completely satisfied with your purchase(s) you'll be able to return it within 14 days of its delivery.
To speak with a member of our customer services team call 0345 122 7569 (dial +44 345 122 7569 for calls made from outside the UK).
Our hotline is open Monday to Thursday 8.30am to 9pm. Friday and Saturday 8.30am to 5pm. Sunday Closed. Full details of our returns policy can be found here.
We use full 128-bit encryption technology to keep your order and payment details safe.