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Mcat Kit ordering, taking orders from now until the 15th March!
Order and pay online here at Champion Systems.
Mcat Kit ordering, taking orders from now until the 15th March!
Order and pay online here at Champion Systems.
Uniforms for cycling, specific to women and men, are now available from a temporary store through Champion Systems.
Simply sign up using the CS DIRECT MEMBER LOGIN form on the right of the linked page. To access the unique MCAT temporary online store use the following details before creating your own personal account.
Username: MCAT
Password: mcat2014aug
Store closes next Friday 15th August, there will be an extension or second order period to include triathlon suits and other non-AUG Cycling specific kit.
Free skin-fold and somatotyping walk-in sessions at the BASE for Wednesday 6th August 11:00am-1:00pm.
This will provide athletes with valuable information on their current body composition and body type information relative to their sport.
Simply turn-up to the exercise lab at the BASE Facility at the designated dates/times for an assessment.
-Care of Dr Ricardo Da Costa from the Monash Nutrition and Dietetics Department
Your body is perhaps your most important piece of equipment in sport. Know it and take care of it, and it will work for you.
BASE Facility
Ground and Level 1, 264 Ferntree Gully Road
Notting Hill Victoria 3168
Nextdoor to 'the Nott': Uni pub of ill-repute.


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Pediatrics and Women's Health
Dr. Hoffman's philosophy of care includes putting the patient first and taking time to listen to concerns about their health. She strongly encourages patients to ask questions and have them truly understand what is going on with their health.
Kelly Hoffman, FNP received her Bachelor's and Master's degree in nursing from South Dakota State University, as well as completing her Family Nurse Practitioner course work in 1997 at SDSU.
Kelly Hoffman, FNP is married and has 2 children and one granddaughter. In her spare time she enjoys Reading, being outdoors, playing with grandchildren and traveling.
249 5th Street E
Tracy, MN 56175
Sa: –
(507) 629-8400
(507) 629-8401
920 Bell Avenue
PO Box 158
Westbrook, MN 56183
Sa: –
(507) 274-1150
(507) 274-1151

subset: commoncrawl


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ArtPrize 2015
I am please to announce that my work will be on displayed at Artprize 2015. I was honored, and very fortunate, to have so many venues approach me about exhibiting my painting "Exclamation" at their establishments. A big thanks to everyone who made a connection request. After a lot of consideration, I have decided to except an invitation from Fountain Street Church to display my work for the event. Please stop by Fountain Street Church from Sept 23rd – Oct 11th to view the painting and cast your vote!
Fountain Street collaborates with The American Civil Liberties Union on an exhibition with the theme "Art to Change the World: Inspiring Social Justice." Art plays an important role as an agent for social and economic justice and peace in the world. We select works that focus attention on basic human needs, respecting diversity, and fostering freedom of expression.
ArtPrize is a radically open, independently organized international art competition and non-profit organization.
For 19 days, three square miles of downtown Grand Rapids, Michigan, become an open playing field where anyone can find a voice in the conversation about what is art and why it matters. Art from around the world pops up in every inch of downtown, and it's all free and open to the public.
It's unorthodox, highly disruptive, and undeniably intriguing to the art world and the public alike.


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Garcinia Cambogia Review-A Wonderful Extract to Help You Lose Weight
The awareness that an ideal weight can go a long way to ensuring better health has led to people looking at ways and means to control it. There are many diets and other methods that can help in weight loss and Garcinia Cambogia is one that has recently come into the limelight.
Garcinia Cambogia is a fruit that is green in color and looks like a small pumpkin. It grows in Thailand, Cambodia, Burma, and other parts of South East Asia. It was always known as an appetite suppressant and is widely used in the cuisine of these countries, where it grows naturally. It is only in recent times that its ability to eliminate body fat has been established.
Weight Loss Pills Garcinia Cambogia
This fruit has been known to control stress levels, reduce depression and prevent mood swings. This action helps to prevent emotional eating that many depressed people do resort to. It is said, that the fruit does not allow the body to accumulate fat in the middle section of your body. Food is digested faster, because of the increased metabolic rate that the fruit brings to the digestive system. As a result, the appetite is checked and a lesser number of calories get consumed.
It's is available in extract form that comes from the skin of the fruit. It is safe for use by people of all ages and has no side effects. The best supplement is that which has no additives and is completely natural and produced without any addition of chemicals. Some people, may, however, be allergic to this supplement and are best advised to stay away from it.
The extract of this fruit has also been known to help in boosting the immune system and this, in turn, can help with digestion, blood circulation and many other parts of the body. It has been known to make people more energetic, less moody and help a person to sleep better. The extract contains HCA or hydroxycitric acid, that plays a major role in all the benefits that come from this fruit. This acid prevents the build up of the enzyme, citrate lyase,in the body. This enzyme plays the role of converting carbohydrates into fat, and therefore a shortage of this enzyme will result in the body using the carbohydrates for energy, instead of storing them as fat.
It is essential that this supplement is taken in the right quantities and is not excessively used. It is still required to follow the right diets and exercise routines that will help in reducing weight and creating a healthy body. It is essential that the supplement be taken before meals, as it acts to suppress the appetite. You will therefore be encouraged to eat less, once it has done its work in the digestive system. An hour before meals is the right time and this will give the body the time to absorb the product and help to convince the brain that you are full and do not need to eat.
Doses can vary from manufacturer to manufacturer and it is always best to follow the recommended doses and never to exceed them. It is estimated that the right dose, the right diet and exercise can help a person to lose at least ten pounds of weight every month. You can help by ensuring that your diet has the right combination of vitamins, minerals and other things that the body needs. Diets depend on personal constitutions and Garcinia Cambogia must only be seen as an addition that will help the diet to achieve what you have set out to do.


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The annual Draconids Meteor Showers is peaking this week the night of October 7th into the early morning hours of October 8th! It's not usually a very plentiful shower…but it can roar when you least expect it!
So get out your tripods, grab a coffee, and go shoot them! Here's some tips on how!
Pre-Shooting Preparation:
Charge your batteries fully before going out. It might be a bit colder at night, and that can affect battery life. Wear some warm clothes, a hat, and gloves. Bring some hot beverages, some friends, and make it a fun outing! At least you'll have someone to talk to between exposures.
Also bring a flashlight or LED keychain light so you can see what you are doing when changing your settings. A headlight looks dorky, but it let's you works with both hands.
Time to Go Out:
Unlike most meteor showers, the Draconids are best BEFORE midnight. So head out once the sun has set and the sky is getting nice and dark!
Where to Go and Sky Conditions:
You want to be as far away from the City/Town as possible to reduce the amount of light pollution. Find a dark road out in the country somewhere far away from street lights.
Obviously it has to be a clear night that you can see the sky. The moon will be setting, so it won't interfere with seeing the meteors.
Finding the Meteors
You should be able to see lots of meteors looking to the Northwest, they will radiate from above the big dipper. Another great way to find the constellations is using an app like Sky View or Sky Guide.
|Graphic from www.earthsky.org
For more info on the Draconids, check out this article on EarthSky.org.
Do I Need A Tripod?
YES and the heavier the better!
Start with 400 ISO and see how much detail you can pick up. If you aren't getting enough details or don't have a wider aperture lens (F4 or lower), try 800 ISO and then go higher if necessary.
You want to use a wide(16-35mm) to normal lens(50mm) so you can get a wide range of sky area.
Shooting Mode: Has to be MANUAL as you need to set the shutter speed and aperture.
Shutter Speeds:
The longer the speed you use, the more meteors you will get. However, if you go too long, the stars will begin to form trails. To figure out how to long to shoot the stars without getting trails, you can use this general guide.
Divide 600 by the length of your lens, and that is how many seconds you should use. For example, if you are using a 17mm lens, 600/17mm= 35 seconds.
However, if you do long exposures like 30minutes to 1 hour(or longer), you will get star trails that look neat along with the straight lines of meteors. The photo above was done for three hours(although you can see the light pollution made the sky brownish instead of black!) Note you will need a cable release or remote, and use BULB mode to do this. No way you can hold the button down for 1-3 hours…
NOTE: Many digital cameras will max out the shutter length at 30 minute to prevent overheating and damage..most likely that will be the longest you can do.
Use your widest aperture (smaller number, for example 3.5/4.5) to let in as much light as possible. If you find the meteors coming out a bit bright, you can stop down one setting. If you have a lens that has a really wide aperture(1.8/2.8) that is even better!
Forget the meter. It will be waaaaay in the minus, that is fine. The camera can't meter properly for the meteors, just use the settings above.
You have to use MANUAL focus and focus on the stars or set the focus on the lens to Infinity.
White Balance:I would suggest shooting RAW, and then playing with the white balance if needed. Had I shot the one at the top raw, I could have switched to TUNGSTEN/INCANDESCENT balance to correct for the orange.
If you are shooting JPEG, do a test using DAYLIGHT/FULL SUN and see how it looks. If you do have things lit up by ambient light around you(like street lights, etc) you may want to use TUNGSTEN/INCANDESCENT instead, but it could make the sky go a bit too blue.
Other Shooting Tips:
-If you want to include trees, mountains, the horizon, etc they will provide an interesting silhouette shape and scale.
-You could also try using a flash during the exposure to light up the trees!
-Have an old film camera kicking around? Haul her out, throw in some ISO 400 film, and take some long exposures!(You have to have to use a cable release)
-You may also capture other elements in the sky, like planes or satellites!
So go out there, have some fun, and send me some great shots or post them in the online student galleries if you have a login!
Hope you get clear skies!
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Noel Chenier
Photographer and teacher
Connect with Noel on INSTAGRAM or TWITTER or via EMAIL
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Work Done by My Students!


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After almost 30 years of corporate and non-profit experience, I decided to pursue one of my passions and get my real estate license. I enjoy working with both buyers and sellers and I'm committed to meeting their needs in a timely and professional manner. My goal is for my clients to be so completely satisfied with their buying and/or selling experience with me, that they refer my services to all of their family, friends and associates. Those referrals would be the ultimate testament to my work ethic and abilities.
Education - Graduate of Douglass College, Rutgers University
Hometown - Moorestown, NJ
Sports - Golf, Member - Deerwood Country Club, Indian Springs Country Club Ladies Nine Hole Straight Shooters Golf League
Past Membership - Moorestown Minority Civic Association


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"As the disruption in the publishing industry continues at an ever-accelerating rate, we have been refreshing the YPC curriculum to reflect the latest advances in technology, evolving innovative business models, and effective management strategies. We are dedicated to making your time at Yale as informative, collegial, and productive as possible." – Tina C. Weiner, Director, Yale Publishing Course
The Yale Publishing Course is designed for mid- to senior-level professionals and aims to provide participants with the knowledge and skills to make them more effective leaders and advance their careers. The recently announced list of speakers can be found at the Yale website. Along with faculty from the Yale School of Management, they will present real-world business models and case studies from both large and small publishers. Speakers will also be available for smaller group discussions and one-on-one counseling sessions.
Among this year's "industry experts" are nineteen men and nine women currently employed in publishing or related fields, ranging from Craig Mod, founder of PRE/POST, to Dominique Raccah, founder and CEO of Sourcebooks. The course takes place in July on the grounds of the famed university.


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Helena Olsson ©
Built with Berta
Attempt with tree
Object (dough, bark) documentation, 2012
An object where nature and culture meet in assimilation. I have been interested in man's idea of nature and landscape and the desires and urges that are projected onto it. How to become one with a tree.


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Mario Finis, Senior Vice President of WaterPower & Dams, focuses on the need for a balanced renewable energy and argues the case for hydropower with Colorado Biz.
Policymakers and the environmental community are looking to hydropower to meet our nation's energy and environmental challenges by maximizing the public benefit of existing water infrastructure. Last year a bill, co-sponsored by Colorado's own U.S. Rep. Diana DeGette seeking to expedite licensing for developing hydropower on the nation's non-powered dams unanimously passed signed into law. The bill was supported not only by the hydropower industry, but also American Rivers, the nation's leading conservation organization, dedicated to protecting and restoring America's rivers.
Content was originally published by MWH Global, which is now part of Stantec.
About the Author
As senior vice president and business leader for WaterPower & Dams, Mario leads our services throughout the world. He has 30 years of private and public sector experience in the design and project management of hydropower projects throughout North America and abroad.More Content by Mario Finis


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The 3Jours is already a fan favorite, but this painted python version takes it to the next level with enough colors to accent a variety of ensembles perfectly.
DIOREVER MULTICOLORED TOTE BAGSCategories:Other Brands
Fashion meets function in these newest Diorever Multicolored Tote Bags. Ever since its release, the Diorever Tote Bag has joined the mighty league of other Dior classics such as the Lady Dior and Diorama Bags so no wonder why we're seeing several versions of it. Fast-forward to 2017, Diorever is introducing two new styles in its heritage lineage where there is a silver tone grained leather bag with white lambskin details and the other one is in glossy white and black crinkled lambskin leather.
A contemporary bag fit for the modern woman, this newest cult favorite now comes with a fashionable twist! Imbued with cutting edge urban attitude and lifestyle spirit, the Diorever Tote Bag is now seen flaunting a multicolor effect. Made with grained leather with reversible tone-on-tone flap and lambskin details, the Diorever Tote Bag perfectly carries a strong and bold character. Aside from its multicolor style, what catches and gravitates our attention to this Dior creation would be its emblematic crescent shaped clasp, which is highly descriptive of the Diorever Bag.
Aside from this, its multicolored leather is flawlessly complemented by its silver-tone jewelry. It also boasts of an adjustable shoulder strap so you can easily transition it from shoulder to cross body carrying. It also has two top handles if you prefer hand carrying.
These tote bags measure 30 x 23 x 16 cm, the Diorever Multicolor Crinkled Lambskin is priced at £2500 GBP, €2800 euro, ₩4,500,000 WON.
Diorever Silver Lambskin is priced at £2600 GBP, €2850 euro, ₩4,600,000 WON via Dior boutiques.
Tags: bags Tote Diorever MULTICOLORED
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MCQ Alexander McQueen Iris ToteCategories:Other Brands
There used to be a time when this particular type of landscape tote was available at a few brands, like Louis Vuitton's Neverfull or the Saint Louis from Goyard. These days, however, you'd be hard pressed to find a luxury house that doesn't have something like this in their repertoire. From Givenchy's Antigona Tote to the Phantom Cabas from Céline, they are supremely functional, usually lightweight and almost always roomy.
Which brings us to a newish offering from MCQ Alexander McQueen, the more affordable sister line to main line Alexander McQueen. And just because it's cheaper doesn't mean it's any less desirable, especially with the MCQ Alexander McQueen Iris Tote.
Measuring 40.5 cm across by 33 cm, the canvas body is adorned with a lovely print of watercolour petals in shades of purple and lilac that's just too pretty to resist. Trimmed with leather handles, it's lined on the inside and comes with 2 pockets (one zip and one patch pocket) which is always useful.
Priced at USD460, you'll find it online via Shopbop. But if you're looking for something monochromatic, then head over to Net-A-Porter where they've got the same tote in black and white. Priced at GBP265, it's also the one I'm kinda eyeing for myself.
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Anna Sui #SG50 Tribute ToteCategories:Other Brands
With Singapore celebrating her 50th year of independence (#SG50) next year, I've already started to hear of exciting special limited editions that brands from high street to luxury will be launching next year with most still in the development process. And as much as I want to tell you more, I've been sworn to secrecy for now.
Which brings us to the post on hand. As far as I'm aware, this is also officially the first #SG50 designer bag made specially for Singapore, a collaboration designed by Anna Sui with local partner UOB Cards. Designed with our national flower taking centrestage with Sui's signature style, you can't actually buy the tote. Instead, as a UOB cardmember, simply spend a minimum of SGD1500 within 5 charge slips on your UOB card, head down to one of these 2 locations listed here and redeem your limited edition tote for free.
Promotion ends 31 December 2015 so don't forget to save your charge slips (and do the redemption soon) since you are already shopping madly now for Christmas anyway.
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Fendi Petite 3Jours Painted Python Tote BagCategories:Other Brands
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The Classic: Chanel Glazed Calfskin Boy ToteCategories:Other Brands
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Louis Vuitton Garance Tote Bag Reference GuideCategories:Louis Vuitton
One of Louis Vuitton's latest offerings from the Fall/Winter 2015 Collection is the new Garance Bag. Made of premium soft calf leather, this lightweight duffle bag is perfect for everyday use. It features two top handles and an adjustable/removable leather shoulder strap. The bag presents unique details such as the Monogram flower on the handles and metal corners. The bag has silver metallic pieces, a double zip closure and 4 bottom studs for protection. The interior is made of microfiber lining and includes a removable zip pocket. Available in three colors, Rubis, Off-White and Noir.
Style, Price & Size
|Louis Vuitton Garance Bag
|11.8″ L x 8.7″ H x 5.1″ W
Source: Louis Vuitton
Tags: Louis Vuitton bag Tote Garance


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Hamilton is established as one of the leading watchmakers in the world with a proven reputation for creating elegant and reliable timepieces. Black PVD coated brushed stainless steel case, Sapphire crystal screw-in caseback, Black PVD coated unidirectional rotating bezel, Black dial, Silvertone luminescent Arabic numerals, Black luminescent hands, Sweep second hand for the chronograph, Two silver subdials, Small seconds subdial at the 9 o'clock position, chronograph hours subdial at the 6 o'clock position, Day and date at the 3 o'clock position, Black leather strap with white stitching, Pin buckle, Sapphire crystal, Screw-down protected crown, Swiss automatic chronograph movement, Valjoux caliber 7750, Power reserve: 42 hours, Water resistance to 20 ATM/200 meters/660 feet, Case measurements are 46 mm in diameter x 16 mm thick, Strap measurements are 22 mm wide x 8 inches long.
- Day date
- Black dial
- Pin buckle
- Luminous hands; Round case
- Water-resistant to 660 feet (200 M)


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HETAIN PATEL & AMY MAY: Don't Look
Hetain Patel and Amy May's hugely original collision of film, performance and live music
Jump to navigation
Everyday Muslim presents
Everyday Muslim's third annual symposium will aim to explore constructions of Black Muslim identity and heritage in the UK
Everyday Muslim's third annual symposium will aim to explore constructions of Black Muslim identity and heritage in the UK and how the stories of Black British Muslims intersect within the wider British Muslim society and beyond. It will bring together those working in academic, heritage, arts and media organisations to interrogate the changing ways in which everyday Black Muslim life has been represented and archived. It seeks to ask how the process of constructing a Black Muslim heritage has changed over the years and looks forward to possible forms that this might take in the future.
10:30 – 11:00
Registration with tea and coffee
11:00 – 11:05
Introduction and Welcome
Everyday Muslim
11:05 – 11:45
Session 1
The Past Matters (All sessions will include a Q&A)
Title of Presentation – TBC
Michael Mumisa | PhD candidate and Cambridge Special Livingstone Scholar at Trinity Hall, University of Cambridge
Why Teach Muslim Heritage in the Classroom?
Martin Spafford | Co-Author of the new OCR Migration unit (History Curriculum), Retired History Teacher
11:45 – 12:35
Session 2
Documenting History: An Exploration of the different mediums of representing Black Muslim History and Heritage
Africa in the Atlantic Triangle: Narratives, Archives and Identity
Imruh Bakari | Film Maker, Writer and Lecturer of Film Studies at University of Winchester
Developing a Black Muslim Tour of London
AbdulMaalik Tailor | Muslim History Tours
Panel Discussion
Imruh Bakari | Film maker, Writer and Lecturer of Film Studies
Sheila Na'imah Nortley | Film-Maker
AbdulMalik Tailor | Muslim History Tours
Adama Munu | TV Presenter: Africa This Week
Basma Khalifa | Fashion Stylist and Presenter
12:35 – 1:30
Lunch (Provided)
1:30 – 2:30
Why Archive?
Session 3
Archives and the Value of Community Engagement
Sarah Garrod | Archivist, George Padmore Institute
Interpreting the Archives
Session 4
Rio Caffe the Harlem of London - Somali British Heritage
Kinsi Abdulleh | Numbi Arts
Healing through Archives
Abira Hussain | London Metropolitan Archives
2:30 – 3:00
Session 5
Sharing Our Stories
Aisha Mohammed | Spoken Word Artist
The invisible Black Muslimah
Hannah Abdule | Teacher
3:00 - 3:05
Comfort break
3:05 – 3:25
Panel conversation of personal experiences of faith, building a community, experiences in the Muslim, social and wider community.
Tanya Muneera Williams | Cultural Producer and facilitator
Ismael Lea South | Youth Community Consultant
Rakin Fettuga |Education Practitioner and facilitator
Sister Faiza
Henna Al Rashid
Hajj Amal Douglas
Habeeb Akande | Author
Hannah Abdule | Teacher
3:25 – 3:55
Session 6
Deconstructing Black British Muslim Identity - Debating Labels
Panel conversation, discussing the complexities of the construction of personal identity. Including a discussion in frank terms on labels and identities; black, politically black, African/Afro – Caribbean and inevitably; the matter of racism.
Michael Mumisa | PhD candidate and Cambridge Special Livingstone Scholar at Trinity
Tanya Muneera Williams | Cultural Producer and facilitator
Sheila Na'imah Nortley | Film-Maker
Kinsi Abdulleh | Numbi Arts
Rakin Fettuga |Education Practitioner and facilitator
Basma Khalifa | Fashion Stylist and Presenter
Hannah Abdule | Teacher
3:55 – 4:10
4:10 – 4:40
Open Mic
Session 7
Kicking off the open mic session will be host Tanya Muneera Williams with a spoken word performance.
The open mic session is an opportunity for the audience to share a viewpoint/spoken word or their work in the community. Each participant will get 5 minutes of presentation time.
4:40 – 5:30
Session 8
Documenting our Stories – Everyday Muslim and What Matters Consultation
Discover the plans for our proposed archive project: Exploring Diversity of Black British Muslim Heritage in Present Day London with a Historical Reflection; with George Padmore Institute and Brent Archives.
The 'What Matters' consultations is designed to identify and provide possible solutions and measures to the specific challenges, needs and opportunities related to British Muslim heritage. This will be a unique opportunity to discuss your ideas and experiences related to documenting Muslim history and heritage in the UK.
The aim is to create a cohesive manifesto as reference for those interested in ensuring that British Muslim heritage is included in wider British heritage.
You can find a report based on our previous consultations here: http://www.everydaymuslim.org/what-matters-the-report
Feedback and Close
Imruh Bakari -Film Maker, Writer and Lecturer of Film Studies at University of Winchester
Michael Mumisa - PhD candidate and Cambridge Special Livingstone Scholar at Trinity Hall, University of Cambridge
Tanya Muneera Williams - Cultural Producer and facilitator
Ismael Lea South - Youth Community Consultant
Sarah Garroud - Archivist, George Padmore Institute
Fatuma Khaireh - Playwright
Kinsi Abdulleh - Numbi Arts
Rakin Fettuga - Education Practitioner and facilitator
Abira Hussain - London Metropolitan Archives
Adama Munu - TV Presenter; Africa This Week
AbdulMaalik Tailor - Muslim History Tours
Habeeb Akande - Writer and Historian
Sheila Nai'ma Nortley - Film Maker
Wasi Daniju - Photographer and Therapist
Basma Khalifa - Fashion Stylist and Presenter
Hannah Abdule - Teacher
Aisha Mohammed - Spoken Word Artist
'Rich Mix matters because is a wonderful, creative and inspiring space that facilitates a multitude of creative expression. It is a community space that goes beyond the local and reaches communities far and wide. Much more just a community venue'
Twitter: @Everyday_Muslim
Facebook: /everydaymuslimUK
This event is suitable for ages 16+
Rich Mix is a charity providing access to culture for all in east London. If you enjoy our work, become a member today.


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Universal life insurance is a kind of permanent life insurance, similar to whole life insurance, but with one big difference: flexible premiums.
With a universal life insurance policy, premiums can be paid when an insured person is able, so long as there is sufficient cash present to pay for the cost of the insurance. Whole life insurance does not allow a person to change premiums based on their current economic situation.
Like all life insurance policies, the main purpose of universal life insurance coverage is to protect an insured's dependent family members in the event of their death. Life insurance policies give specified beneficiaries a death benefit that can be used to pay for funeral expenses, and can help families as they adjust their lives financially after their loved one's death.
With a universal life insurance policy, there are two options for how beneficiaries can use a death benefit. There is a level death benefit option, which offers one amount that stays steady throughout the life of the policyholder, no matter the cash value. Or, there is a death benefit plus cash value option, which gives the cash value to a beneficiary, in addition to the initial death benefit. This second option involves a cash accumulation portion, which means that as premiums are paid, a portion of that money is allocated by an insurance company into an interest crediting strategy.
One interest strategy that is commonly used is equity indexed universal life, which allows a policyholder to participate in the gains of a major stock index. A specific rate of return is guaranteed no matter how the market fluctuates. If the market performs better than the guaranteed rate, a policyholder gets a percentage of the gains for the index. Universal life insurance policies offer some flexibility.
Life is full of twists and turns that can affect a person's financial standing. Maybe they were laid off from work for a period of time, or had a medical condition that caused them to miss time on the job. Maybe they decided to go back to school and are not working as much, or are having another child and need to adjust their finances. Financial circumstances fluctuate in life, and with a universal life insurance policy, an insured can opt to pay a lower premium when the market is performing poorly, and up the premium when the market is thriving.
The cash value build up is nice, but what makes it even nicer is that a policyholder can borrow or withdraw from it when financial circumstances require. Borrowed money does need to be paid back, although an insurance company may charge interest, which is important for an insured to understand. With a universal life insurance policy, an insured has options in terms of investment strategies, and otherwise. There are many benefits to universal life insurance coverage. If a death benefit with the addition of the accumulated cash value is important to an insured, then universal life insurance may be a good option.
A local independent life insurance agent will be able to answer questions and provide advice about selecting the appropriate policy. Universal Life insurance is NOT for everyone. There are risks involved that should be very carefully explained and considered. This is why it is important to talk to a local independent life insurance agent to discuss the options that exist, and see what may work for a particular person.
Variable Universal Life
Variable Universal Life is a variation of Universal Life. A variable universal life insurance policy offers a flexible premium, which can be adjusted as needed. There may be times in your life when you are able to pay a higher premium, but there also may be times when you need to use that extra money elsewhere and have to lower your premium costs. When a policyholder chooses to adjust their premium, it can cause a change in the coverage amount. This is one of the reasons why this kind of coverage is known as "variable" universal life insurance. Payments are left to the responsibility of a policyholder, and as long as he or she maintains a minimum amount to pay for the costs involved with a policy, the insurance coverage remains in effect.
This insurance is also known as "variable" because, with a variable universal life insurance policy, a policyholder can decide to invest money into multiple accounts, which have a potential to increase in value over time. This offers the beneficiaries named in a policy the potential for a greater payout than can be provided through a fixed life insurance policy. These investments are made into the stocks and bonds markets, so it is important for policyholders to understand the risks involved, but with investments that do well, dependents can see a cash build-up on top of the death benefit under a policy.
Variable universal life insurance is a permanent life insurance option, meaning that the death benefit will be paid when an insured dies as long as there is sufficient cash value to pay the costs of the insurance policy. For many life insurance policies, there is a specified age at which the cash value equals the death benefit amount. This means that when a policyholder reaches this age, the death benefit is given, even if the person is still alive. With a variable universal life insurance policy, this does not happen. Instead, the death benefit and the cash built up through any investments are given to the beneficiaries at the time of the insured's death, and not before.
The different options for investments vary between variable universal life insurance policies, making it important for people interested in learning about this insurance option to contact their local independent life insurance agent. With an independent agent's help, they can find a policy that allows them to choose how they want to invest their money. Today's variable life insurance policies provide a wide variety of sub accounts for policyholders, and some polices offer 50 or more separate accounts covering a wide range of asset classes and management styles. An independent life insurance agent can explain these and other factors to consider in selecting a policy.
There are many things to think about in buying a life insurance policy. The cost of insurance is based on term rates and the age of an insured, and the risk of death increases with age, which can then increase the cost of insurance coverage. Variable universal life insurance is complex and, like other kinds of life insurance, can change over time. It is important to discuss funding and investing when considering variable universal life insurance. An independent insurance agent understands these and other issues that should be evaluated when buying a variable universal life insurance policy.
Variable universal life should only be purchased by the sophisticated buyer.
Other Enhanced Insurance articles related to Forms of Life Insurance:
Group Life vs. Individual Insurance
Variable Universal Life Insurance
Enhanced Insurance is not written by attorneys. If you're looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.
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Billy Greene
Dr. Billy Greene earned his Doctorate of Dental Surgery from the University of North Carolina at Chapel Hill, and is currently practicing out of MCDC's Allegan and Kentwood dental centers.
Dr. Greene's professional and research interests include preventive dentistry, psychology of patient care, and amelogenesis imperfecta. He was a dental volunteer at Mel Trotter Ministries. He maintains active membership status with the American Dental Association, Michigan Dental Association, and the West Michigan Dental Society.
Dr. Greene believes in every individual's fundamental worth. Each of us are granted the privilege and extraordinary potential to make a positive and meaningful contribution within our sphere of influence to the benefit of society at large. As it pertains to dentistry, Dr. Greene is committed to delivering quality individualized dental care. He continually strives to cultivate a foundation of mutual respect, honesty, and trust with his patients to the ultimate aim of equipping them with the skills, knowledge, and when necessary treatment, to achieve and maintain a happy, healthy and functional smile for a lifetime.
Prior to embarking upon a career in dentistry, Dr. Greene was a head collegiate wrestling coach and adjunct mathematics professor at Campbell University in North Carolina. His hobbies include spending time with family, running, mountain biking, and camping.
Dr. Greene is married with two children.
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Cedar Keys National Wildlife Refuge invites you to an openhouse on Seahorse Key Saturday, July 10, from 9 a.m. to 4 p.m. Enhance your summer by getting the family outdoors into the spectacular Cedar Keys. Bring your camera, fish a little, walk along the beach and enjoy the exhibits.
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|How? Phones Peru
|How to Phones in Peru
|Phones (+51) Search / Find / Mobile / Video
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|How can I find a phone number in Peru? Search telephone numbers in Peru. Locate a phone code by city Peru Phones . Phone Numbers in Peru Phones
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Well on one side it's great that links247 is becoming so popular, with many more people joining the site on a daily basis. Unfortunately the downside is the amount of junk sites that insist on adding their rubbish to our site. So unfortunately I am going to have to stop certain domains from participating, with the likes of dousetsu.com etc. being blocked first, its unfortunate but has to be done. If you have an legitimate site on this domain then email me and we'll add you.
Also for all you new members don't forget Mister Linker for more great backlinks for your site.
Wednesday, 27 January 2010
How popular are we....
Posted by Michael at 11:57
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text: This is a new video from WatchMojo.com that lists the top 10 cunning anime masterminds. Comic books and movies have their host of smart criminal masterminds, ranging from Doctor Doom and Lex Luthor to Die Hard's Hans Gruber. So why can't anime also have their group of masterminds? Do you agree with the list? Is their anyone missing? Check out the video below.


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Call: 087 2224046
Tiling of the dormer is very important; it must match as closely as possible to the main roof.
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All Loftstyle conversions are completed to meet all current building regulations under the supervision of a quailified chartered building surveyor.
Cpoyright 2018 © Loftstyle. All rights reserved.
web by: The Web Studio


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Horse Daze (NEW PICTURES INCLUDED)
Post date: Jul 19, 2017 3:08:22 PM
Horse Daze #2 (from Debbie Lohrman)
Click on these links for some amazing pictures by Matt Bonnell of HORSE DAZE 1 and HORSE DAZE 2 and the WARM-UP.
The weather could not have been better for the competition. Thank you to those who showed up to cheer our riders on. Dick and Nancy outdid themselves with lunch, serving up Dick's now famous smoked, pulled pork and beef brisket, it was delicious.
And the Horse Daze #2 winners are...
Leadline First Place tie: Bronson Paskowitz & Ara Bhansali
GreenHorn: First Place - Anna Hopkins - Breast Collar
Second Place - Karin Gartz - Headstall
First Place - Jim Lohrman - Breast Collar
Second Place - Peggy Chase - Headstall
Overall Champions (combined scores from Horse Daze 1 & 2):
Leadline -
Champion - Bronson Paskowitz - Trophy
Reserve Champion - Ara Bhansali - Breyer Pony
GreenHorn -
Champion - Anna Hopkins - Buckle
Reserve Champion - Karin Gartz - Halter
RanchHand -
Champion - Lindsey Chase - Buckle
Reserve Champion - Peggy Chase - Halter
Click on the links below for some pictures!


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New York City Selective Public Schools (Manhattan, Brooklyn, Riverdale)
Moving to New York City, Westchester, Long Island, Connecticut, or New Jersey? Click Here to Get Help Finding the Best Public Schools.
Abacus Guide to Stuyvesant
Abacus Guide has the only independent profiles of NYC selective public schools. Find out about admissions, courses, extracurricular activities, college counseling, and facility from the people who know the schools best: students, teachers, and administrators. This time, get the inside story on Stuyvesant.
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Looking for a tutor, course, or book to help you prepare? Some advice.
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Helicopter Mom
For a behind-the-scenes look at what it takes for a student to succeed at a selective public school, go to the excellent new blog, Helicopter Mom, at www.goodcityliving.com.
Dear Abacus Guide
We receive a steady stream of parent emails. When they're especially gripping, we publish them here. This time:
A. Philip Randolph Campus High School
Abacus Guide's New York Selective Public Schools Directory
New York City is fortunate to have some world-renowned selective public schools. Here's your direct connection:
Bronx Science www.bxscience.edu
Brooklyn Tech www.bths.edu
LaGuardia www.laguardiahs.com
Hunter College Elementary http://hces.hunter.cuny.edu/
Hunter College High http://heimdall.hchs.hunter.cuny.edu/
Stuyvesant www.stuy.edu
Townsend Harris www.thhs.qc.edu
Visit AbacusMom.com, the smart new parenting and schooling blog.
Abacus Guide Educational Consulting * Manhattan and Westchester Offices * info(at sign)abacusguide.com
Learn more about Abacus Guide
Copyright © 2010, Abacus Guide LLC. All rights reserved.


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Lots of red white and blue on display
Why Sunday's stage of the Tour de Yorkshire might be the hardest ever on British soil
With the rain lashing against my hotel window, riding the punishing stage four of this year's Tour de Yorkshire isn't exactly appealing. I start to wonder if my subconscious has…
Madison Genesis and One Pro Cycling teams unveil their new bikes for 2018
British teams Madison Genesis and One Pro Cycling reveal their bikes and the kit they will be riding in during the 2018 season
Madison Genesis complete 2018 line-up with five new signings
Madison Genesis have confirmed their 2018 line-up with five new riders joining the 12-rider squad for the upcoming season.
Madison Genesis seeking Tour of Britain success: 'Today suits us better'
British team Madison Genesis is hunting for a top 10 place on the Tour of Britain's penultimate stage on Saturday
'For a breakaway to stick at the Tour of Britain it would have to be a lucky day'
Madison-Genesis have been almost ever present in the 2017 Tour of Britain breakaways, but say it'll have to be a lucky day to thwart the sprinters
So close, yet so far for Madison Genesis as Tour of Britain breakaway comes close to succeeding
Madison Genesis insist that they will keep on plugging away in the breaks, after coming close to staying away on stage four of the Tour of Britain.
Madison Genesis are glutton for punishment with Tour of Britain breakaway attempts
Madison Genesis have been in every break in this year's Tour of Britain, and it doesn't look like they are going to be tweaking their tactics anytime soon.
Tom Stewart moves up to Pro Continental level with One Pro Cycling
The Yorkshireman was the strongest rider in the domestic scene in 2016 and he has been awarded with a move to One Pro Cycling
Chris Lawless and Claire Rose win in Stoke-on-Trent Tour Series
JLT Condor extend their lead at the top of the overall Tour Series standings after round seven in Stoke-on-Trent on Thursday evening
A strong weekend for British cycling sees four riders winning in three different countries
Mark Cavendish, Tom Stewart, Dan McLay and Scott Davies all won races this weekend, with victories in California, Wales and France
Graham Briggs takes solo win in Tour Series Edinburgh round
JLT-Condor rider Graham Briggs launches successful attack on the cobbled streets of Edinburgh, as Madison-Genesis take the team victory
Russ Downing 'gutted' not to have won a fifth Lincoln GP but delighted for winner Tom Stewart
JLT-Condor's Russ Downing missed out a record-breaking fifth Lincoln GP title against his training partner and fellow Yorkshireman
Tour of Normandy: The French race with a long history of British success
This year's Tour of Normandy begins on Monday, March 21, with 14 British riders competing. Raleigh-GAC, JLT-Condor and Madison-Genesis are all riding
Madison-Genesis train for 2016 season on Majorca (video)
Film of British squad Madison-Genesis preparing for the 2016 season on the roads of Majorca
Portsmouth will host Pearl Izumi Tour Series finale after six year absence
The South Coast city of Portsmouth will host the final stage of the Pearl Izumi Tour Series on June 9
Madison Genesis sign up Dave Povall as new team manager
Dave Povall will become co-manager of the British Madison-Genesis team with Roger Hammond
Mark Cavendish to coach young Madison-Genesis riders
British Madison-Genesis team announces partnership with Mark Cavendish that will see the sprint star mentor young riders on the squad
Who's riding for Britain's top domestic teams in 2016?
CW brings you the riders you'll be seeing racing on home roads throughout next year
Mark McNally joins Belgian squad Wanty – Groupe Gobert for 2016
The 26-year-old becomes the latest Briton to move up to a UCI ProConti team.
Go behind the scenes of the Tour of Britain with Madison Genesis (video)
For domestic teams, the Tour of Britain is often the highlight of the racing season, but that doesn't mean they're there just to make up the numbers. While Team Sky…
Secrets of the toolbox: Madison Genesis (video)
In the latest edition of Secrets of the Toolbox we drop in on Sam Hayes, head mechanic at UCI Continental team Madison Genesis. Hayes shows us the tricks of his…
Amateur holds off professionals to cling on to Tour of Britain Strava segment
Normally when a professional bike race passes through your local cycling patch you can wave goodbye to any hope of hanging on to your Strava KoMs, but when the Tour…
Show us your scars #15: Matt Cronshaw (video)
Crashing is an occupational hazard for cyclists and something that happens to all professional at one time or another. Despite this, they are often the toughest sportspeople and try and…
Matt Cronshaw takes victory at Leicester Castle Classic
Matt Cronshaw (Madison Genesis) edged to a thrilling sprint victory at the end of the Leicester Castle Classic, final round of the British Cycling Elite Road Series on Sunday. The…


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- Creative
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To be fair before talking about wine I have to come clean about something. I'm a recent graduate of James Madison University and love to poke fun at cHokie nation. That being said I have friends that attended VT and I've made the treck down 81 several times, my favorite of which was the VT/ JMU football game. However, through wine tasting I think we can all be friends. Also Boyer seems like a rad professor and I'm very interested in learning more about wine and eventually looking into opportunities to import.
My dive into wine culture was quite sudden and immerseful. It all started on my six week study abroad expereince in Reggio Calabria, Italia (way down south just north of Sicilia). We were taking a 4 week intensive Italian course at Università per Stranieri "Dante Alighieri". Not many Italians in Reggio speak english and there are rather foreign sounding dialects that still exist in the area. I was about as new to the language as I was the wine. I quickly picked up the words vino, rosso, and bianco and learned to enjoy our un-labled quarto di vino that was served with our mulitiple serving lunch every weekday. While my Italian improved my wine knowledge stayed fairly stagnant. Mostly because I never had a bad red wine in southern Italy and I was pretty happy with un-labled house wines.
I took an Italian business and regions class at JMU and it really opened my eyes to Italian wine culture. It's amazing how diverse Italy is from North to South and along with different regions come very different climates which allow various grapes to be grown. Add in unique foods and geoprachic isolation in parts of the country and it's no wonder wine is much more than just a drink to Italians.
Last fall I found myself on my first wine tasting at Barboursville. I had no idea Virginia had a vineyard with historical "ruins" let alone we would be getting a full tour of the winery in Italian from one of the family members. I've been fortunate to return to Reggio, Milano, and Roma and am looking forward to my next journey over with my newfound wine knowledge. Cheers!
Tonight's Wine: Montepulciano D'Abruzzo DOC
Aroma: Still getting used to it. Kinda Floral in smell with an acid like undertone. And a little bit like Monticello.
Taste: Slight cherry taste, a little earthy some sort of tree fruit/ Apricot or black cherry finish.


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The Elements of Art are the basic building blocks of Art; they're what art is "made out of." Points, lines, shapes, and forms are all related.
A point is the most basic elements of art. It can be either stated or implied, but it is real and actualeven if it's implied.
A line is the space or time between
two points. Lines may be expressed or implied, but like points,
they are real.
A shape is a larger group than a line. A shape may be
expressed or implied.
Form is a larger more complete group. It may be expressed
or implied.
Space and time are the physical and temperal relation
between objects, also known as the "where" and "when"
Motion is the change in space and time of an object.
Texture is the "roughness" or "smoothness" of an object or sound.
The arrangement of the Elements of Art is what we call the Principles of Design. But that's another lesson.
Click on a lesson below:


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This post is my response to some common comments in the print and electronic media against Anna Hazare's Jan Lokpal Bill.
1) To those who say revamp existing institutions instead of forming Lokpal, I ask why didn't we revamp the Police instead of forming the NIA?
If our Police had been modernized and independent, they would have had the forensic skills to investigate terror cases. But of course it's not politically convenient to allow the Police a free hand, so we take the easier option and form a National Investigation Agency (NIA) instead.
Revamping existing institutions is no doubt essential, but this is a very complex and long-drawn affair and, given the nature of our polity, is unlikely to happen in the foreseeable future without considerable public pressure. After all, the people who are talking about revamping these institutions today are the ones who are responsible for blunting them in the first place!
Bottomline: Revamping existing institutions, although necessary, will take at least a decade or more. Public pressure will not sustain for so long, which probably explains why our netas are proposing it! We need a more immediate solution.
2) To those who say Anna's fast is not the way to push through crucial legislations, I say please come out of your drawing rooms and show us an alternate way.
The problem with armchair activists is there is all talk and no action from their end. If Aruna Roy and Arundhati Roy disagree with Anna's methods, can they explain what their strategy has been to achieve the same and why it has not yielded any tangible results so far?
Fact is, no one has been able to convince the Govt. to form a proper Lokpal uptil now. Engaging with the Govt. is fine in theory, but the Govt. should be prepared to listen for it to work. Such a strategy is unlikely to yield results in the present Indian political scenario because there are powerful vested interests across parties who want the status quo to continue on corruption.
Bottomline: The fact that successive Govts. have not shown any serious intent to curb corruption leaves no choice for the aam aadmi other than to take to the streets. Jab ghee seedhi ungli se na nikle, to ungli tedhi karna zaroori hai.
3) To all those who say Parliamentary processes must be followed, I ask are we really a process-driven nation?
Where are these processes when dozens of Bills are passed by Parliament in minutes without even a proper discussion? Why are processes forgotten when Ministers want to have their own way in their Ministries? Where are these processes when flights are delayed because netas are late in reaching the airport?
The reality is that all this talk of processes is just an excuse to delay and defer unpopular decisions (remember Telangana?). Processes cannot become bigger than the purpose. After all, what process can justify a delay of 42 years in passing such a critical legislation?
Bottomline: Unfortunately, processes have become an excuse to kill critical legislations in this country. If credibility of Parliamentary processes is to be restored, there needs to be a lot more transparency about what goes on behind the scenes in the name of processes.
4) To those who say the Jan Lokpal Bill is draconian, attempts to do too many things, etc., I ask two questions:
(a) Have you heard about Hong Kong's Independent Commission Against Corruption (ICAC) which is equally "draconian" and very stringent on those found guilty of corruption? Ultimately, that draconian piece of legislation is what turned Hong Kong from a den of corruption into one of the Asian economic tigers today.
(b) Is there any rule which says that a law once enacted cannot be changed thereafter? If at all, after a couple of years, it is felt that certain provisions of the Lokpal Act need to be improved or amended, Parliament can discuss and debate and make any changes that are necessary.
And believe me on this, a draconian Lokpal Bill is actually going to spur the Govt. into improving our courts and jails as well. Why, you ask? Because a draconian law will ensure that more high and mighty people like Raja and Kalmadi will land in jail. Once that happens, the Govt.'s attention will automatically be drawn towards the poor condition of jails and slow pace of judicial proceedings, and there will be pressure to reform the same!
Bottomline: Given the seriousness and extent of the problem of corruption in India today, it is far more desirable to table a draconian Bill than err on the side of caution and table a weak Bill.
5) To those who say the Jan Lokpal Bill will create a massive bureaucracy, what's wrong with it as long as it is put to good use?
People don't have a problem with a large bureaucracy per se, as long as the institution is doing its job and people appear to have adequate work. Disenchantment arises not because an organisation is seen as bulky, but because it does not deliver on its basic charter of services.
Bottomline: People will not mind a bulky Lokpal as long as it does its job well and keeps an effective watch on the rest of the Govt. As for the costs of running this new organisation, that's not even an issue. The money spent here will earn handsome dividends if it can even make a tiny dent in the extent of corruption in other departments.
6) And there are those who say that his kind of mass protest will harm India's reputation as a business destination!
Yes, I heard this argument too from a panelist on Times Now! I really cannot emphasise strongly enough how silly and idiotic this argument is. It's like saying that the protests in the Middle East have diminished the stature of the region!
Since when has fighting against corruption scared away business? If corruption is reduced, both individuals and corporates stand to gain heavily. Genuine business thrives only in the absence of corruption. A corrupt environment promotes only crony capitalism and oligarchies.
People making such arguments are so deluded that they forget this is a genuine public agitation for a positive cause. Moreover, it is being conducted peacefully despite the scale of the protest. If anything, today India can hold its head high in the comity of nations. After Gandhiji, Anna has again shown the world how change can be brought about in a peaceful manner.
Bottomline: We have to decide whether we want to create the right kind of business environment or simply promote crony capitalism.
Some other comments that I'd like to make:
The biggest question in my mind is, where are Sonia and Rahul Gandhi at this crucial time? It is quite unbelievable that the most important political leader in India today is simply absent at such an important time! I actually wonder if her "illness" and foreign visit is neatly timed to coincide with Anna's agitation so that if things go wrong (as they have), the Prime Minister can take all the blame and she can come out with her reputation unscathed?
And the less said about the so-called "youth icon" Rahul Gandhi, the better! One expected him to step in and show leadership at this stage, but he has utterly failed to make even his presence felt. He simply pops up when and where he feels like it and takes up some issues, but remains silent on other equally or more important matters. Not what you'd expect from a PM-in-waiting!
But the biggest villian in this story, however, is clearly the BJP. They are simply sitting in the commentary box and giving a ball-by-ball critique. It's easy to criticize the Govt., but what are you doing to show the way forward, being the principal opposition party? I can't believe they are unable to understand that the agitation happening today is against the political class as a whole, not just against the Congress. Their stupidity and opportunistic attitude is undoubtedly going to cost them the next election as well.


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Vishay's SQJQ402E, the industry's first AEC-Q101 qualified, 100% lead-free MOSFET in 8 x 8mm footprint, offers high temperature operation to +175°C providing the ruggedness and reliability required for automotive applications.
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7 layer dip recipe
7 layer dip recipe -layers of salsa, guacamole, sour cream, beans, cheese, pico de gallo and olives. The perfect appetizer for game day or a friends gathering. People will gather around this layered taco dip until it's gone!
This is a classic recipe I'm sure most of you are familiar with and love. It's one I often forget about (since it's way too big for my little family), but it's perfect for family gatherings. What's not to love? Plus it is so easy to put together! There's also fun ways to add variations to this seven layered dip. You can make your own guacamole and salsa. You could even make your beans from scratch and add all kinds of seasonings. I like to generally keep things simple though.
How to make 7 layer dip
- Layer the beans on the bottom
- Next layer the sour cream and guacamole
- Pour the salsa on top
- Add some cheese
- Then add your favorite toppings such as tomatoes, green onions, olives, jalepenos, cilantro
Decorating tip: One way to dress up this 7 layer dip recipe is by putting it in a trifle bowl. You can even put it in the mini trifle bowls OR plastic cups for individual servings. I also added a fun chalkboard label to the front of the dish. We also love to make this Mexican layer dip in a 9×13″ dish as well so it gets more spread out. You get more of the toppings in every dip!
7 layer dip
7 layer dip recipe -layers of salsa, guacamole, sour cream, beans, cheese, pico de gallo and olives. The perfect appetizer for game day or a friends gathering. People will gather around until it's gone!
- 1 (31 ounces) 31 ounce can refried beans
- 1 (8 ounces) 8-ounce package cream cheese, softened, optional
- 1 package Taco Seasoning
- 1 1/2 cups sour cream
- 2 cups guacamole
- 1 1/2 to 2 cups chunky medium salsa
- 1 cup shredded cheddar cheese
- 3 roma tomatoes diced and drained of juices
- 1 4 ounce can sliced olives or jalepenos, drained
- 1/4 cup cilantro chopped (more to taste)
- 1 bunch green onions sliced thin, optional
- 1/2 lime optional
- s&p to taste
- Tortilla chips or fritos for servings
In a small bowl stir together beans, cream cheese (if desired) and taco seasoning. I like to microwave the cream cheese for about 20 seconds beforehand, to make sure it's smooth and creamy. Then spread the beans onto the bottom of your dish. You can use a 9×13 pan, trifle dish or serve in individual cups. Next spread on the sour cream and guacamole. Then layer on the salsa and cheese. Next add the tomatoes, olives, onions and cilantro. Squeeze lime juice over the top and sprinkle salt and pepper if desired.
Store in the refrigerator until ready to serve. It is best to eat the day that it is made. Serve with fresh tortilla chips or fritos.
Recipe Notes
I used a trifle dish, but a 9×13 pan works good as well.
This recipe is easier than ever to throw together. I like to make a pico de gallo too. All you need to do is mix together the tomatoes, cilantro and onions and squeeze a little lime juice and salt on top. Adds a little punch!
Yum! I could eat this for dinner!
Looking for more dip recipes? You'll love these too:
27 comments on "7 layer dip recipe"
I'm going to have to make this again but using your recipe. Thanks!
I always used to make it in a quiche dish to keep it from getting sooo messy after a few dipper have been at it. lol!
It says stir in taco seasoning, but you never mention what kind or how much.
McCormick and just the whole package to about 16oz of sourcream if less than just divide.
Wow that sounds AMAZING – can't wait to try it!
I love this recipe, have used it twice so far. Thankfully both times I read it through properly before going shopping though because You've missed 1 item off your ingredients – taco seasoning. Both times I almost forgot to buy it, please could you update the recipe? I've pinned it and I keep forgetting its wrong. Thanks!
Ive made this for over 20 years.i love it.
Ive always used a 9×11 Pyrex pan.
You like the trifle bowl.
For looks yes.but that is so deep,how do they get all ingredients on the chip?
Also.if some of you dont like a certain ingredient,leave it out or add what you like.its not set in stone.
Thats why baking & cooking is so wonderful..
I was wondering if this recipe can be warmed in the oven? Instead of cold or room temperature?
How to make refried beans?
I was wondering if there is any way to make this without the refried beans?
Can't wait to try it. I know I will love it.
Do you recommend any particular brand of salsa. Looks amazing!
Looks so delicious! Does the guacamole turn brown? How do you prevent it from doing so
hi! where did you get the cute trifle dish?
Do you need to cook the refried beans first? Sorry if that's a stupid question
I actually stir a pack of El Paso taco seasoning in the sour cream instead of the beans! It adds zip to the bland sour cream!
I put it on a pizza platter.


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Whirl a conker around in a horizontal circle on a piece of string. What is the smallest angular speed with which it can whirl?
As part of Liverpool08 European Capital of Culture there were a huge number of events and displays. One of the art installations was called "Turning the Place Over". Can you find our how it works?


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Subject: B4 Economic Methodology
Number of items at this level: 2.
Pajunen, Kalle (2008) The Nature of Organizational Mechanisms. Organization Studies, 29 (11). pp. 1449-1468. ISSN 1741-3044
Pajunen, Kalle (2005) Comparative Causal Analysis in Processual Strategy Research: A Study of Causal Mechanisms in Organizational Decline and Turnarounds. Advances in Strategic Management, 22 . pp. 419-461. ISSN 0742-3322


text:
Pedestrians have rights on the roadways just as motorists do. Part of your rights as a pedestrian is to obtain compensation for injuries sustained a a motor vehicle accident. Pedestrian accidents may occur in crosswalks, intersections, roadways, driveways or parking lots. Poor weather conditions and inadequate lighting may also cause pedestrian accidents.
Our personal injury lawyers understand how vulnerable pedestrians are when involved in a collision with a motor vehicle. Unfortunately, a high percentage of pedestrian accidents result in long term injuries, serious orthopaedic injuries, catastrophic injuries and even death. Catastrophic injuries may include internal injuries, traumatic brain injuries, spinal cord injuries or multiple fractures.
Pedestrian Accident Injuries
As an Ontario pedestrian, if you have been injured in an accident, you have a right to compensation. Our personal injury lawyers will help you claim your compensation for your pedestrian accident injuries by filing a tort claim, meaning a claim against the at-fault driver, in addition to an accident benefits claim. Ontario is one of several provinces that will allow you to sue the at fault driver while simultaneously filing for accident benefits.
You must notify the automobile insurance company of your intention to file a claim within 7 days of the date of your pedestrian accident. If you wish to file a tort claim, you must inform the at-fault driver within 120 days from the date of your pedestrian accident.Your pedestrian accident lawsuit must be filed within 2 years.
If you or a loved one has been involved in a pedestrian accident, it is crucial that you obtain sound legal advice and counsel from an experienced and successful personal injury lawyer. At Maruszki Law, we understand pedestrian injury law and have successfully advocated for numerous clients involving all manner of pedestrian accident injuries. Your pedestrian accident claim is subject to legal timelines. Contact Miguel Maruszki at (416) 645-7418 or toll free at 1-888-558-168 as soon as you are able as witness accounts and the early preservation of facts are imperative to the issue of liability regarding your pedestrian accident lawsuit.


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Complete graphic rework of flags for Heart of Iron IV vanilla ,"The Road to 56" and "Atlantis Mu Lemuria".
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The name Ivania is a Czechoslovakian baby name. In Czechoslovakian the meaning of the name Ivania is: Feminine of Ivan.
People with this name have a deep inner desire for love and companionship, and want to work with others to achieve peace and harmony.Expression Number: 11
People with this name tend to be idealistic, highly immaginative, intuitive, and spiritual. They seek after spiritual truth and often find it. They tend to be visionary and may inspire others. If they fail to develop their potential, they may become dreamers, or misuse power.
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Lawn Bowling is a sport that originated in ancient Egypt and was very popular more than 900 years ago in Europe. Mr. Berger, the developer of Oakmont, constructed the Oakmont bowling green in 1963. A club for Oakmont residents was formed, and in 1965 the green was dedicated by the Northern California Lawn Bowling Association.
Along with the comraderie, a bowler increases eye-hand coordination, focus and concentration, the strengthening of legs and arms, which helps us keep healthy and young. The club instructors give free lessons all year, at a person's convenience. A sheet is posted in the club bulletin board, at the green, for name and phone number of people interested in learning this challenging game.
Our daily draw games are at 12:30 PM, or on hot summer days, they begin at 9:30 AM. If you come to watch, we are a friendly group and will be happy to answer questions.
You may see club members wearing white clothing when playing in an intra-club tournament. This follows an old universal Lawn Bowling tradition.
The club has many social activities through out the year. We also have a brown bag social meeting once a month to keep members up to date on activities and have a chance to welcome new members.
Meeting Details
Daily at the Lawn Bowling Green, next to the Central Activities Center
12:30 PM or 9:30 AM during the hot summer.


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Vermont Edition Summer School: Change your own oil
Jane Lindholm came by the garage to learn how to change oilListen to Summer School
Vermont Public TV VT Makers: Demeny Pollitt
Girlington Garage offers free car care clinics to educate and empower car owners and prides itself on its transparency of service.Watch VPTV Makers
VPTV Flickr at the Garage
Photos of car care class shot by Vermont Public Television.Watch VPTV Makers
Girl Garage
Why the public will flock to a car repair shop that tells the truth.Watch WPTZ the news story
Girlington Garage Finds Its Niche
Women make half the drivers on the road but only a handful of them are working as mechanics. How one new business is finding a niche in the car-care industry.Watch the WCAX news story
Vroom with a View
Girlington Garage gets its engines running
By Lauren Ober [06.17.09] Seven Days
When plotting a career path a few years ago, Demeny Pollitt figured there were only two fields she could get into that would not put her to sleep: psychology and car repair. She loved the idea of working as a psychologist, helping people pick their way through the brambles of the mind. But that would require a minimum of six more years of schooling, and Pollitt, 30, wasn't interested in that. Admittedly, she was not the most industrious student…Read full article
Lessons from a woman mechanic
By Lylah M. Alphonse, Senior Editor, Yahoo! Shine | Power Your Future – Tue, Jul 26, 2011 8:47 PM EDT
In a bad economy, people tend to fix their cars rather than buy new ones. And while industry experts say that nearly 80 percent of the people who bring their cars in for repair are women, women are far more likely than men to believe their mechanic is taking them for a ride. That's why Demeny Pollitt wanted to open her own garage and probably one reason why she is not short on customers. …Watch video
How to prepare for a road trip
By WCAX News– Jun 05, 2012 7:41 PM EDT
BURLINGTON, Vt. -Before you hit the road for vacation there are some simple steps you should take to make sure your car is ready to go. Girlington Garage owner Demeny Pollitt appeared on The :30 with some safety tips for your car and other vehicles for the summer season.Watch video
Interview with Demeny
Next up focuses on life after high school.Read Nextup interview


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List Categories | List All Articles | List Articles By Title
Top 30 Politics Quotations
-- Albert Einstein
-- Ambrose Bierce
-- Aristotle
-- Charles De Gaulle
-- Claude D. Pepper
-- Dalton Camp
-- Ernest Benn
-- Eugene McCarthy
-- Frank McKinney Hubbard
-- Franklin P. Adams
-- George Clooney
-- Harry S. Truman
-- John Kenneth Galbraith
-- Larry Hardiman
-- Lester B. Pearson
-- Mao Tse-Tung
-- Mark B. Cohen
-- Milton Berle
-- Otto Von Bismarck
-- Napoleon Bonaparte
-- Paul Valery
-- P. J. ORourke
-- R. A. Butler
-- R. A. Butler
-- Robert Louis Stevenson
-- Ronald Reagan
-- Ronald Reagan
-- Texas Guinan
-- Will Durant
-- Will Rogers
Resource Box - © Danielle Hollister (2004) is the Publisher of BellaOnline Quotations Zine - A free newsletter for quote lovers featuring more than 10,000 quotations in dozens of categories like - love, friendship, children, inspiration, success, wisdom, family, life, and many more. Read it online at - http://www.bellaonline.com/articles/art8364.asp
Political Correctness got you down?
I hear it all the time; you can't say that. But why not, I just did you see? Besides it's the truth isn't it? They say; "well yes, it is the truth, but you cannot say that!" Do you sometimes believe it is all a bunch of crap? We have the PC police running around telling you what you can and cannot say now? Wow, I know there is a law about how you are to do just about everything you do, but now we have unspoken laws about things you cannot speak of and it is all a big secret? And do not ask what these things are you cannot even mention it.
The Looting of American Taxpayers Social Security Disability by Fraudulent Employers Pt. 1
For more than a decade, you the American taxpayer have been burdened with my disability assistance. Why? Because my high-profile employer, a member of the bar and a politically connected entity in this area along with the assistance of his insurance carrier, insurance investigator and other members of the bar as well as a president-elect of a national civil rights organization at the local level assisted my former employer to get away with denying multiply sustained on-the-job injury and infirmities.
Great Melting Pot Indeed
An interesting conversation that I thought I must share with you. Today in a coffee shop in the United States of America the subject matter turned to South of the Border.
Pilot-Less and High Speed Train Transportation Systems; Better Strategy Needed
We recently saw another ferry accident, this one in NY when the pilot of the vessel fell asleep, which may have been a medical situation or condition, but never the less, accidents like these would be prevented by pilot-less transit systems. This would be no problem with modern technology.
The Politics Of The American Dream
The American Dream is the promise to have it all and enjoy it all. It's been glorified and sentimentalized as a utopian goal not just by the media and Hollywood stars, but also by businesses and politicians, including the President of the United States.
Continuing Change in the Offshore World
The offshore financial centres have been forced in recent years to review almost every aspect of the ways in which they operate in response to the international anti- money laundering laws and initiatives by major economies such as the E.U.
We Must Register AIDS Carriers and Homosexual Men
It is a law that we register deadly weapons with the authorities. It is a law that if you are a black belt in a Martial Art, that you must register your hands as a deadly weapon in many states.
Protecting Children From Porn
There's a new Michigan state register (at https://www.protectmichild.
Ifs and VATs of Taxation in Macedonia - Should VAT be Applied in Macedonia?
To be justified, taxes should satisfy a few conditions:Above all, they should encourage economic activity by providing incentives to save and to invest. Savings - transformed into investments- enhance productivity and growth of the economy as a whole.
Preparing to Invade Japan
This is the fourth and final article in a series recollecting Britain in the 1940's. My uncle, the late Mr Gordon Bessant is telling his memories to Mr Joe Hieatt-Smith.
TSA Missteps at Our Airports
The TSA seems to have completely missed the ball at our airports. This is not to say that the Federal Government is completely and utterly incompetent, for that is a whole other debate possibly spanning a thousand agencies? It is also not an immediate call for privatization, as we have already seen the abuses in private police forces and prisons.
Asking For Proof in the Economic Pudding
There are no stupid questions, only stupid people. Ask an economist for proof of one of their pet theories and you'll find quickly that the age old axiom that we all learned in school and work place training seminars is dead wrong.
Colts' Stadium Short on Horse Sense
The predominant discussion in the Indianapolis media over the proposed $500 million Colts stadium is how to fund it, not over the wisdom and propriety of taxpayers going into debt to build it.Apparently the leaders of both major political parties in Indiana have signed off on the concept, including a poor building design, and are content to confine their discussion to who's picking up the tab.
Open Source and Post-Capitalistic Society
Capitalism as the social structure was founded in order to support further evolution and development of human race, to support the innovation which was oppressed by the former system. It was brought up by the two industrial revolutions.
Tracking Over The Road Trucks from Canada
Are you happy with all this so-called security after 9-11? Are you like most Americans I have talked with okay with the color thing and High Security Alert Colors and although the media really gets on your nerves and you feel like you are living in a scene of "The Boy who Cried Wolf" most say there are some rather obvious things they have seen which are just dumb. For instance the other day I saw four guys get out of a semi truck at a truck stop to fuel up and then go park.
The Fabric of Economic Trust
Economy is called the dismal science because it pretends to be one, disguising its uncertainties and shifting fashions with mathematical formulae. Economy describes the aggregate behaviour of humans and, in this restricted sense, it is a branch of psychology.
The Irish Issue
The expertise and advancement of the evolution of man and his culture is evident in one area only - that of propaganda and lying. They have learned how to suck and blow simultaneously out of every orifice of their bodies.
Politicians Will Save Civilization
Most politicians are completely out to lunch and totally Machiavellian by nature, they cannot be trusted. We tend to elect the most manipulative politicians to higher offices and condemn the one's who really care.
Canning International Terrorists? Literally
Well here is a great new product, we first saw this in our study on the Parking Industry at recent trade show. New Bomb Resistant Trashcans, Trashcan Anti-Bomb Receptacles for public safety now available.
Is The Bill Of Rights Necessary?
The Bill of Rights to our Constitution caused -- and still causes - some contradiction, confusion and danger with the Constitution itself. It is unfortunate that a bill of rights was included with the Constitution.
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Designed by us and available only at One Kings Lane: Elegant in its sheer simplicity, this round wall mirror shines bright with a beveled edge and distressed golden frame. A decorative iron hook tops the look.


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J.Crew In stores & online: extra 40% off final sale styles (with some at 50% off). Plus, 25% off closet MVPs. View on a web browser. *25% discount valid on the purchase of select full-price items. 40% and 50% discounts valid on the purchase of select final sale items. Offers valid in J.Crew stores and at jcrew.com from January 23, 2015, 12:01am ET through January 27, 2015, 11:59pm ET. In-store discounts as advertised. Offers valid online on items marked "25% off with code FINDAFAVE," "Extra 40% off with code FINDAFAVE" and "Extra 50% off with code FINDAFAVE." Offers not valid in the 769 Madison Avenue store, Liquor Store, Ludlow Shops, J.Crew Factory stores, at jcrewfactory.com or on phone orders. Offers cannot be applied to previous purchases or the purchase of gift cards and cannot be redeemed for cash or combined with any other offer. In-store discounts automatically taken at the register. To redeem online, enter code FINDAFAVE in the promo code box at checkout. Limit one promotional code per order. Offers valid in the U.S. and Canada only. Terms of offers are subject to change. Final sale items cannot be returned or exchanged.
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Signature Design By Ashley Storey Coffee Ottoman
Orig. $199.99
Save $50.99 (26% )
Cozy up and relax with this rich, two-tone style ottoman. With its neutral colors of chocolate and coco in an alluring faux leather, this oversized ottoman offers a sophisticated touch with an elegant feel. Other Storey collection pieces sold separately.
- Two-tone faux leather
- Stylish exposed wedge feet
- Cushion cores are constructed of low melt fiber wrapped over high quality foam
- Frame construction has been rigorously tested for durability
- Can be used as a foot rest or extra seat
- Proudly made in the U.S.A. with domestic and imported material
- Part of the Signature Design By Ashley Storey Cocktail furniture collection
- True color: Brown
- Material: 95% Polyester, 5% Polyurethane; Faux Leather: 100% Polyurethane
- Frames: Limited Lifetime Warranty against manufacturer's defects on all wood frames
- Cushioning: Limited Lifetime Warranty against manufacturer's defects
- Springs: 1 year on breakage caused by metal fatigue
- Fabrics: 1 year on fraying or seam slippage
- The warranty does not cover normal wear and tear, or any physical damage or improper use
- The warranty does not cover any condition resulting from incorrect or inadequate maintenance, cleaning or care
- Warranty claims must be handled by the original retail dealer
- Must provide proof of purchase and the serial number from the tags attached to the item
- Some parts are available and can be ordered from the manufacturer by the original dealer
- Product dimensions: 37"L x 37"W x 19"H
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If you wish to return your online order, please visit your order history to start the return process. If you have any issues, contact our Customer Care Support Center at 1-866-BIG-LOTS (244-5687) for assistance with making your return. Please be prepared to provide your order number and email address, or your rewards number, so that we may better assist you.
For return terms, see our full Returns Policy.
For return terms, see our full Returns Policy.
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Another sweet adventure is on it's way! Little Bon Bon and Nono are taking a trip to South Korea's popular holiday destination…Jeju island!
Stay tuned for more info and adventures and new friends along the way! Meet the iconic Stone Grandpas or Dol hareubangs . They are famous stone statues to be found all over the island, they are used to protect the land from evil demons from another dimension! They're names are Dol, Hareu and Bang!
Meet the quirky little Jeju Orange Couple, Juhwang and Massi! Jeju has become very famous for it's orange farming all over Korea. Juhwang and Massi are a couple because Jeju has also become a famous romantic and honeymoon destination.
Let's explore Jeju!


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San - These people are a clan of desert dwellers under five feet tall, brown-skinned, and wrinkled looking.
Sofala - Sixty-seven porters bearing trade for the Arabians, who sail in from India and China, travel to this location.
Strandloopers - Translated as beach rangers, this term is given by the Dutch to the natives living off shell fish and anything they can steal from the sailors.
Hottentots - This term is given by the Dutch to the taller natives living inland at the Cape of Good Hope who raise sheep and cattle, and speak English well enough to handle trade issues with the fort.
Boers - These people are Dutch farmers who settle in Africa.
Trekboers - This term refers to a wandering grazier who moves slowly across untouched lands.
De Kraal - This location is a well-known property of wealth and prosperity.
Voortrekkers - This...
(read more Object Descriptions)
This section contains 782 words
(approx. 3 pages at 300 words per page)


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We believe in local shopping! We have proved that it is possible to live without the supermarket! We have even shown it has saved us money! Yet…… right now we feel our cause is futile!
Everytime we drive in and out of Faringdon we see the 'progress' of the new Faringdon Tesco! A huge construction with signs telling us of the imminent arrival of a helpful baker, butcher etc etc! Every time we go passed we shout about already having a fabulous baker, butcher etc yet….. they continue to build! We shout louder as 'every little helps'. And now….. we hear news that Costa might be coming to town! We have some lovely coffee shops in Faringdon already!
It would seem clone towndom is upon us!
It seems it is futile just like painting the rest of our garden chairs now!
Over and out!


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Join USAS members, the International Labor Rights Forum, and the Clean Clothes Campaign on May 3rd for a global day of action against H&M. Click here to sign up for an H&M store action in your community.
Almost three years after H&M signed the Accord on Fire and Building Safety in Bangladesh, the Bangladeshi workers who sew H&M's clothing continue to risk their lives at work each day – in many cases lacking the most urgent and lifesaving fire safety measures.
This latest analysis of January 2016 follows up on a 2015 report, both of which show that the factories that H&M considers to be those "with the best performance in all areas" have failed to meet mandated time frames for repairs. The majority of all renovations still haven't been completed despite lapsed deadlines. The outstanding renovations include the installation of fireproof doors, the removal of locking or sliding doors from fire exits, and the enclosure of stairwells – meaning that in many factories workers may be unable to safely exit a factory in an emergency.
Despite the efforts to improve factory safety since the Rana Plaza disaster in 2013, fires and explosions still plague the industry. The latest of these emergencies was a fire in February 2016 at Matrix Sweaters factory, an H&M supplier. Had the fire started just an hour later, there would have been around 6,000 workers inside the building, and even so, some workers still sustained injuries. Not all workers at H&M supplier factories have been so lucky. In 2010, 21 workers died in a fire at H&M supplier factory Garib & Garib, which lacked proper fire exits.
We may never be able to totally eliminate factory fires, but as one of the largest buyers of apparel from Bangladesh, H&M has a responsibility to do its part to ensure it's supplier factories are safe.


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Driving band
This article needs additional citations for verification. (September 2014) (Learn how and when to remove this template message)
The driving band or rotating band is part of an artillery shell, a band of soft metal near the bottom of the shell, typically made of gilding metal,[1] copper or lead. When the shell is fired the pressure of the propellant swages the metal into the rifling of the barrel, providing a seal preventing the gases from blowing past the shell and engaging with the rifling to spin-stabilize the shell.
The shell is stabilised for yaw in the barrel by a bourrelet band nearer the front of the projectile. The bourrelet is slightly smaller than the driving band, it does not engage with the rifling and serves only to keep the projectile travelling straight in the bore.
As the shell weight increases it becomes more difficult to engineer the driving band without the propellant gases blowing past the driving band or blowing the driving band off the shell.
Some weapons that operate at high rates of fire, such as the GAU-8 Avenger Gatling cannon, use plastic driving bands rather than soft metal. The advantage in using plastic as a swage material in such cases is reduced wear on the barrel rifling, extending the life and average accuracy of the weapon.
In a small-arms rifle, the entire bullet is typically covered in copper or a similarly soft alloy, so the entire bullet is its own driving band.
Driving bands pre-cut for the rifling have been used for muzzle loaded weapons, e.g. some mortars. Freely rotating bands can be used to reduce the spin imparted to the round as is preferable for HEAT warheads or fin-stabilised projectiles fired from general-purpose rifled barrels.
Gerald Bull worked extensively on ways to eliminate the driving band, leading to the development of his Extended Range, Full Bore ammunition using an inversion of the pre-cut rifling for his GC-45 howitzer, which is now rapidly replacing older artillery worldwide.[citation needed]
See also[edit]
- ^ [1] Archived August 17, 2007, at the Wayback Machine.


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Star Wars Day holds special meaning for the Ward family
Last Updated on
Three years ago, in the infancy of MakingStarWars.net I wrote an article here about how Star Wars has affected and helped my family's grieving after the loss of our daughter Hannah Solo Ward in 2012.
My due date with Hannah was May 4th, 2012. Today is always extremely bittersweet for me. Honestly, the entire month of May is very difficult. It's a busy month for Star Wars, something we've chosen to make a big focus of our lives, and it's a busy month for our family. On top of remembering and grieving for Hannah whose birth date was to be May 10th, we also celebrate our daughter Penny's birthday on the 11th. Penny's due date was also May 4th but some of the doctors we saw went with May 5th (Revenge of the 5th). It is so strange that their delivery dates are just one day apart.
Losing Hannah in the way that we did and when we did propelled Jason and me on an emotional trajectory that still isn't clear, but it certainly has been a journey. When Jason wasn't taking care of me, for his own sanity, he began developing what would become this site. To help him get through his struggles, I began to help him with the site and we eventually had a family project of sorts. I feel fortunate to get to celebrate Star Wars with a cool community of friends as a way to process this month and what it means for our family. Out of tragedy came something positive in this instance. But it doesn't dampen the difficulty of the situation at all.
Our situation is pretty unique but it's not uncommon at all. Stillbirths are still an issue parents should be educated about as umbilical cord accidents can cause stillbirth. Even in 2017 there is still much confusion and conflicting information about cord accidents and stillbirth. Pregnancy is plagued with scary what-ifs but you owe it to yourself to over-research these topics. Hannah was fine just five days before her death, five days before they were going to induce my labor. We were at the finish line. Jason was getting his hair cut because he assumed he was going to get a picture with her that day and he wanted it to be a good one.
Doctors and nurses do not actively encourage "kick counting" as much as they should with first time pregnancies. Some have said the medical industry do not want mother's freaking out when there's some irregularity and "wasting their time." Encourage anyone that gets pregnant to do kick counts. More than not, like in our case, it was only suggested after we had a loss. It is reactive more than proactive. There are lots of good apps to help too.
I feel comfortable with sharing our experience because I think it's important to keep informed and part of that is being available to others, so I'm here if any moms and dads out there want to share or ask questions. Do not be optimistic–be proactive.
I'm humbled by and devastated by the loss of our baby, but I'm not ashamed. Death and motherhood are two things that our society doesn't handle very delicately and when it comes to infant loss it is hugely swept under the rug, and that does not help anyone. Jason and I were extremely fortunate to be blessed with two beautiful children in the aftermath of Hannah's death.
Jason constantly reminds me that without the loss of Hannah Solo Ward we wouldn't have had Luke Danger Ward and Penny Rebel Ward. It can be hard to not get mad at the universe for the simple fact that having great things requires great sacrifices and struggles. I hate it, but that is the way it is.
For us, May 4th is a special day. It really is our "Life Day." All of the good and the bad, the happy and the sad, are rolled into this week for us. While this is our story, as time goes on, this day will likely take on new meanings as on Star Wars Day we think of the good times with our friends and family and those that we lost along the way. We experience so much of our lives and culture through the lens of Star Wars at times, how could we not?


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This is a motivational video and was created by FlyLady. Don't watch it unless you want to do your dishes.
Please wait for the video to load from Jumpcut, then click on the arrow to begin playing.
The music was composed by Amy Lacey. It is on our FLY CD! For more help with your shiny sink go to http://flylady.net/pages/FLyinglessons.asp
Now all I have to do is fix the kitchen faucet that has been broken for 2 months.


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In 2016, Saba dropped one of my favorite albums to date titled Bucket List Project. The Chicago artist solidified his spot in the music scene, especially with standout tracks like "Stoney" and "World In My Hands." As one of the most talented in Chicago and beyond, Saba continues to bolster his ballistic flow and clever lyricism.
Saba returns to our site with his latest track, "Busy." Standing as one of his most introspective tracks to date, Saba touches upon everything from trust issues and mental health to maintaining relationships and tour life. Fleeting melodies from Daoud, daedaePIVOT, and Saba himself are brought to life in a set of elegant visuals from director Peter Campbell.
With his ability to captivate listeners with his skilled pen, Saba is sure to have another great year ahead. In the meantime, check out the video for "Busy" below and grab tickets to his upcoming Care For Me tour.


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Gorgeous Ivanka will be pleased to make you happy.
To arrange your encounter with Ivanka please call Infinity on 078 66 737 737
Send a message to Ivanka
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DMW International's 2017 Annual Meeting will convene between 26-27 October, to assess the developments in Cyprus, as well as in the region and at the international level. This year's Summit will be held at the Girne American University campus, and will cover a range of topics over the course of the two days.
Grandiose event will be conducted by honourable speakers such as:
The 4th President of the Turkish Republic of Northern Cyprus, Mr Mustafa Akıncı, the GAU Founding Rector and Vice President of the DMW International Mr Serhat Akpınar, the eminent critic, social activist, author of numerous academic works and prolific researcher, Assoc. Prof. Dr Hossein Sadri.
Furthermore, the Summit will be conducted by special guests from abroad: a range of EU, German, Turkish and Birtish executives will perform during this dynamic two-day event. Summit participants will have a chance to network with truly international team. A number of leading thought-leaders from Europe as well as Economists, Ambassadors, Entrepreneurs and CEOs will be present at this year's event.
Cyprus Observer Team