text: Lola Mae Simon, 92, died quietly on November 2, 2016. A lifelong resident of Wilmington, she was born to Clara and Alexander Schaffer. In the 1930s and 40s, Lola was a member of the Talleyville Drum and Bugle Corps, and worked at DuPont during World War II before her marriage. She loved family events, and family and friends will miss her homemade spaghetti sauce, carrot cake, and Christmas cookies. She was also involved with ongoing activities at Peninsula-McCabe United Methodist Church. She was score keeper and concessions manager at Naaman's Little League, where both of her sons played. She was an avid baseball fan through her life and followed the Phillies each summer. A wordsmith, Lola was particularly fond of the daily cryptogram in the News-Journal. She is survived by her husband of 70 years, Pierce Simon, two sons, Pete, Jr. (Mary Bohn) and Jeffrey (Carol), three grandchildren, Jamie, Lelah and Keith, three great-grandchildren Jeffrey, Ella Mae, and Jack, her brother Michael Pennington (Marguerite) and niece, Jennifer McLaughlin (Brian), her great-niece and nephew, Abby and Colin, her nephew, Allen Pennington (Lindsay), her great nephew and niece, AJ and Mia, her niece Catherine Chase (Ryan), and other numerous nieces and nephews. She was preceded in death by her sisters, Elizabeth Fulmer, Peggy Loessin and Patricia Cooper and her brother, Joseph Pennington, Jr. A service will be held on Tuesday, November 8, 2016 at 11:00 a.m. at the Chapel of Gracelawn Memorial Park, 2220 N. DuPont Parkway, New Castle, DE 19720 where friends may call from 10:00-11:00 a.m. Burial will be in the adjoining memorial park.


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Last updated: May 2018
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subset: commoncrawl


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A dealer in Oklahoma sold a used Dodge Durango SUV. While the buyer was driving with her son, the lights, wipers and locks went haywire. "I felt like I was in a twilight zone. The plastic that covers the speedometer had popped, and smoke started billowing into the vehicle," said the buyer. She managed to pull over and get her son out as the car caught fire. "We were told it was safe and it would be a safe vehicle for our family," she said. It was not. The Durango had been recalled for an electrical defect and it was never repaired.
The buyer of a used Lexus ES 350 was permanently disabled when he hit a tractor trailer as the car went out of control on the highway. The car had been recalled for an unsecured floor mat, but even though the repair was simple, it was not done before the sale.
Unfortunately, these are not isolated incidents. The internet vehicle history website Carfax recently completed a study which shows that in 2012 over 2 million unrepaired recalled vehicles were offered for sale online. Since all sales are not advertised online, and since the study only includes the websites Carfax reviewed, the actual number is most likely much higher.
Federal law prohibits car dealers from selling or leasing new cars that are subject to a manufacturer's recall, but there is no law to protect used car buyers. The powerful automobile dealer lobby has blocked attempts in Congress to protect used car buyers from unsafe, defective recalled cars sold by dealers. Legislation is scheduled to be reintroduced in Congress soon which would prevent used car dealers and all rental car companies from renting recalled vehicles before repairs are made. The law would also apply to the loaner and rental cars offered by new car dealers. The bill, known as the Raechel and Jacqueline Houck Safe Rental Car Act, is named for sisters who were killed when their rental car caught fire. The defect was the subject of a recall, but the car had not been repaired. The bill was originally introduced in 2011, and was introduced again in 2012, but it was never passed. The bill does not apply to the sale of recalled used cars.
The U.S. Government Accountability Office (GAO) has recommended that Congress address this issue. According to GAO, "Many consumers may be unknowingly putting their lives at risk by purchasing a defective vehicle." Car dealers are not even required to report crashes involving recalled vehicles they sell to the National Highway Traffic Safety Administration (NHTSA), and NHTSA does not have the authority to notify used car buyers of a recall.
What can you do to protect yourself if you are buying a used car? You can check for open recalls on the car you are considering before you buy it. The government website for vehicle safety information is www.SaferCar.gov. The easiest resource is probably the free recall check offered by Carfax at recall.carfax.com.
If you are the original owner of a vehicle and receive a recall notice from the manufacturer you should not ignore it. If you have sold your car on your own and receive a recall notice, make sure you give it to the buyer and notify the manufacturer your car was sold. A form to do this will be provided with the recall notice. If you have purchased a used vehicle without doing a recall check, do it now. Your life may depend on it.


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Learn to paint in Acrylic paints - Step by Step
Yes - a Van Gogh sky, Ken. How wonderful. It does convey moodiness. Very nice!
Nice Ken! Kind of a Van Gogh sky going on there! Nice loose brushwork!
love the colors en! and you are right, its very "moody" :)


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Santorini Wedding Guide
Posted in Destination Weddings on December 7, 2015
Santorini, a beautiful island off the coast of Greece in the spectacular Aegean Sea, is the perfect romantic destination wedding. Full of history and gorgeous, panoramic views, Santorini boasts smooth beaches, blue skies, peerless sunsets and a small but thriving wine industry. Savor the romance of the Greek isles at one of these wedding venues and start planning your Santorini wedding today with our Santorini wedding guide.
Le Ciel Santorini
Le Ciel Santorini offers the best of both worlds. Elegant indoor and outdoor spaces overlook the Aegean Sea and the volcano, offering an unforgettable backdrop for your ceremony and reception. Ceremonies are held on the Caldera view terrace between 10 am and 6 pm, giving you the option of capturing one of the most beautiful sunsets in Greece. The restaurant happily caters wedding banquets or a romantic dinner for two.
Danas Villas
Danas Villas is the perfect destination for more intimate weddings. Enjoy a panoramic view of the Caldera while you take your vows, then sit down for your reception in the hotel's fabulous restaurant. The venue accommodates 36 guests for your ceremony and hosts 24 for the reception, offering a complete wedding package for your destination wedding event.
Santorini Princess Hotel
The Santorini Princess Hotel offers a unique wedding experience for the princess in all of us. Located in the beautiful village of Imerovigli on the Caldera, the hotel hosts ceremonies and receptions at their open air lounge. Relax before your big day in the pool or at the bar, all the while taking in the magnificent views. Invite up to 50 of your friends and family to celebrate your commitment and take in the magnificent Grecian sunsets.
Theros Wave Beach Bar
Have the beach wedding of your dreams at Theros Wave Beach Bar. Secluded and exclusive Eros beach puts a twist on the traditional beach wedding. The restaurant and bar open onto the beach for a casual yet elegant setting, complete with the sound of the Aegean Sea lapping on the sand. The venue holds up to 200 seated guests, making it ideal for small and large weddings alike.
Santo Winery
For true Santorini elegance, the Santo Winery is unparalleled. Panoramic views of the island and the sea will take your breath away as you say your vows on the terrace, and the winery boasts lavish decorating capabilities to fulfill your most elegant dreams. Toast your guests with some of Santorini's finest wines while you savor the taste of the rich culture of this volcanic island.
Santa Irini Chapel
This traditional whitewashed chapel will steal your heart. High on the cliffs looking out over the Caldera and the Aegean Sea, the chapel terrace is the perfect romantic setting for weddings with under 50 guests. Many couples say their vows at sunset, the magic of the moment forever captured by this truly picturesque wedding destination.
Rocabella Hotel
The Rocabella Hotel has everything you could hope for in a destination wedding venue. The sunsets over the Caldera are to die for, whether witnessed from one of the hotel's four pools, cocktail bar, or during your wedding ceremony itself. The hotel is happy to accommodate whatever entertainment you desire, from live music and Greek dancers to fireworks.
Oceanids Estate
Only three minutes from the airport, the Oceanids Estate is a seaside venue was designed in 2013 with for events just like yours. The unique setting looks out over the water and boasts a swimming pool, bar and lounge area with two private indoor rooms. Enjoy complete privacy with the convenience of the popular seaside resort town Kamari only two minutes away.
La Maltese Estate
The exquisite La Maltese Estate is ranked among the "Small Luxury Hotels of the World," and with good reason. Overlooking the Caldera, the hotel offers extraordinary wedding planning services to give your wedding the style and elegance you deserve. Enjoy the views from the veranda or cool off in the pool to unwind. You will never forget the idyllic beauty of a wedding held at La Maltese Estate.
Pyrgos Restaurant
Serve your guests traditional Greek cuisine with panoramic views of the island, sunset, and vineyards from Pyrgos Restaurant. Choose from four unique wedding sites to design the wedding of your dreams, whether it is inside the restaurant or in the fabulous garden. Pyrgos Restaurant offers packages for small weddings or weddings up to 500 guests, making it one of Santorini's premiere wedding destinations.
Suites Of The Gods
The name says it all. Santorini's Suites of the Gods offers a view fit for the Green Pantheon. The venue's stylish open-air lounge looks out over the breathtaking Caldera, one of the most romantic views in the world. Celebrate your love and commitment while watching one of the island's famous sunsets, all from the exclusive terrace of the Suites of the Gods.
Pantheon Villas
This timeless resort overlooks both the Aegean Sea to the east and the volcano and Caldera to the west while also offering a view of three beautiful chapels teetering on the Caldera cliffs. With so many choices for a beautiful backdrop, your wedding photographer will have plenty of material to work with, capturing memories to last a lifetime. The venue has a variety of packages for all budgets.
Sphinx Restaurant
Housed in a historic mansion, the Sphinx Restaurant offers a romantic venue complete with the Caldera sunset view every Santorini wedding needs. The Mediterranean cuisine is exquisite, showcasing the island's fresh seafood and produce and is sure to please your guests. The hardest choices you will make during your wedding planning with Sphinx Restaurant is deciding which of the exceptional wines to serve with your reception.
Anemos Beach Lounge
Let the experienced staff at Anemos Beach Lounge make your wedding a dream come true. The in-house VIP hostess will take care of all of your needs, taking the stress out of the planning process. Just be sure to warn your guests that they won't be able to resist the siren call of Perivolos Beach.
Santorini is famous for many things, but one thing that Santorini has to offer is vineyards and wineries, in fact the whole island is covered in places growing grapes for their local wines, now we mentioned one wedding venue above but there are actually quite a few vineyard and winery venues available and most of them offer spectacular views! But be quick as there is high demand for wedding venues on Santorini, especially in high season where couples from all over the World fly or cruise to the island!
Finding A Wedding Planner On Santorini
Many of the venues offer wedding planning services and those that don't typically request that you work with one of the island's wedding planners to put together your event. As you start planning, consult the staff at your preferred destination to see what planning services they offer or what wedding planners they recommend.
Couples looking for a stylish Santorini wedding at an affordable benefit from the packages and special offers wedding planners provide. If the price is not an issue, planning services know the best local services and vendors to create the wedding of your dreams.
Getting To The Island
Santorini is conveniently home to a small but well connected airport for a Greek Island of this size, simplifying your destination wedding travel plans. Transportation from the airport is available by bus, taxi, hotel pick-ups and rental cars, making it easy to get all of your guests to their hotels, please allow plenty of time for taxi transfers as Greek taxis on the island may well carry more than just yourselves as passengers and may transport other people on the same journey who are not in your party!
The airport offers chartered flights from other airlines during the summer and regularly scheduled flights include Olympic Air, Aegean Airlines, and Athens Airways.
There are several daily ferries that you can take from other islands and Athens, we advise that you book a transfer from the ferry port in advance as it can get incredibly crowded and the taxi operators based in the port will wait until they have a full mini-bus and will then drive all over the island before you might get to your hotel depending on where you are staying.
5 Travel Tips To Make Your Wedding A Success
- Santorini is a popular tourist destination, especially during the summer months. Cruise ships stop frequently, so if you wish to avoid the crowds consider planning your wedding in the spring or fall. The weather will still be beautiful, but the number of tourists (and the prices) will be lower.
- The Euro is Santorini's currency, so make sure you check out the exchange rate and update your credit card for travel. Most shops, restaurants, and hotels accept credit cards. Carrying a little extra cash is still a good idea, especially for tipping at some of Santorini's famous restaurants.
- Pick up a Greek language dictionary. Greek is the official language of the island and while some of the locals speak English, a few key phrases will go a long way towards making your trip a success.
- Embrace the Mediterranean cuisine and sample as much as you can while on the island. The coast boasts a variety of pricey restaurants aimed at tourists, so be sure to also wander inland for a taste of the local cuisine.
- The volcanic soils of the island create red, black and white sand beaches. While you wait for the wedding, be sure to check out a few of these beautiful beaches to get the complete Santorini experience.
Embrace Santorini
Embrace the friendly culture of Santorini during your destination wedding. Take a few hours to explore the island, soaking up the rich history and delicious tastes that make Santorini the most popular wedding destination in all of Greece.


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HA NOI (VNS) — Tax incentives would be provided to enterprises operating in the field of high technology and those in agriculture with high-tech application, aiming to encourage enterprises to strive for more added values.
According to the amended Law on Corporate Income Tax, high-tech enterprises would be imposed a tax rate of only 10 per cent in 15 years in comparision with the current normal rate at 25 per cent which would be cut to 22 per cent from January 1, 2014.
They would be provided tax exemption up to four years since having taxable income and 50 per cent tax reductions in the nine following years.
The Ministry of Finance was drafting a decree which would provide detailed instructions for the implementation of the amended Corporate Income Tax law which was passed in June and would take effect from the beginning of this year.
The ministry said that currently, there are enterprises enjoying tax incentives at the highest level for their investments in high-tech and economic zones and in localities with difficult socio-economic condition.
The draft circular will point out how these enterprises – which already enjoy tax incentives – would continue to receive incentives if certified as high-tech.
The ministry was also considering to provide a full package of tax incentives to enterprises that begins on the date that they are certified high-tech companies, regardless of any previous incentives.
This option would encourage them to develop into high-tech ones, however; they could easily take advantage of it to prolong their time for enjoying tax incentives.
The second option was that previous incentives would be accounted.
The amended law would also provide incentives to enterprises' new investments in industrial zones.
Accordingly, enterprises with new investments would enjoy tax exemption for two years and 50 per cent tax reduction in the four following years. — VNS
Johnson Controls-Hitachi Air Conditioning establishes sales company in Vietnam
Waste energy - an opportunity wasted


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Advances in data science, inexpensive electronic components and ubiquitous wireless service have made it possible for intelligence to be built into just about any product, from industrial equipment, cars and homes to watches, clothing and medical devices. And with up to 50 billion devices set to connect to the internet by 2020, securing a strong competitive slot in the connected economy will challenge even the sharpest organizations. There's little question that the future belongs to those willing to work hard, even disrupt themselves, as they harness value from data, connectivity, smart machines and artificial intelligence (AI), which are all taking front-and-center stage at this year's CES. But how can companies prepare to compete in this new digital age?
In response to one of the most daunting -- and exciting -- CES shows we've seen in years, CMOs and their chief marketing technology officers (CMTOs) can build four takeaways into their plans to harness the power of change emerging from a smarter economy, as opposed to merely reacting to it.
Conquer complexity with integration versus point solutions. For example, Samsung's Family Hub refrigerator includes an integrated touchscreen controller designed to serve as the center of the family home, now with voice controls. LG's rival offer taps into Amazon's Alexa to play music upon command while its owner roams around the kitchen, as well as order groceries or set timers. Both products offer lifestyle solutions versus single-function refrigerators; they're great examples of how brands are using technology to improve customers' lives.
Get serious about frictionless interfaces. A new era marked by conversational commerce integrates AI, natural language processing and bots into messaging apps to offer seamless customer interactions. Amazon's Alexa provides a perfect example, shielding consumers from mountains of data and technology with simple voice commands. It's why Alexa's masterful triumph over 700 products solutions has made her this year's obvious star.
Become a clairvoyant marketer. "Solve
As so many speakers and exhibitors explained at CES, knowing more about customers' location and habits gives brands a big advantage in determining how best to position products and services. But that information by itself can't fully inform marketing or product development. For that, organizations need to marry location with context, which together create the magical ingredient for making clairvoyant offers. When brands connect these types of dots -- for example, "The smart refrigerator you've been eyeing for the past few weeks is on sale at your neighborhood Best Buy" -- the result is an experience buyers will find irresistible.
In light of the technological developments seen at CES, what should leading CMOs do to future-proof their brand?
Adopt a consumer ecosystem mindset to extend the value proposition. Unprecedented levels of connectivity enable brands to shift their business models from product sales, to integrated service providers. Caterpillar used to sell tractors, but with connectivity, it now offers an interconnected agricultural management solution. Likewise, in the connected age, heart disease patients will be given a smart scale to capture and monitor changes in weight that, if left untreated, could lead to congestive heart failure. Most importantly, the added intelligence of the product doesn't impact the way users have been trained to use it, something we see in Samsung's Family Hub solution. Brands operating in the digital age must think beyond their initial offer and anticipate the needs and wants of the customer.
Understand the increasing importance of product design. Integrating the functional and emotional attributes of a product that is smart and fun to use, and has obvious intrinsic customer value, is the challenge of every marketer. Some will focus on the technology at the expense of design, while others will produce solutions that are too sparsely designed. Both will fail. Organizations that lack the history and skill for delivering highly functional, beautifully designed products that excel ergonomically should engage third party experts to help build their capabilities in these areas.
Start evaluating a new type of transformative partner, now. Business leaders will initially look to new partners and vendors as they begin to equip their internal teams with new skills and capabilities as they move from point solution to end-to-end capability. In the medium term, connectivity will stimulate new types of business models that position brands in a new type of connected ecosystems. The long-term impact, however, will disrupt businesses on a scale we haven't seen since the dawn of the Industrial Age.
Contributors: Jason Goldberg, Zachary Paradis, TJ Mcleish, Chris Cobb and Jeremy Lockhorn.


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This summary chart will give you a quick overview of many of the planned giving options available to you. Another page to consider if you are exploring Planned Giving for the first time is our Planned Giving factors. Please keep in mind that your individual circumstances need to be considered before taking any action. As with all tax and estate planning, please consult your attorney or estate specialist.
|A primary question to consider first is have you made out a will?
|If you have not yet written a will, regardless of your charitable intent, please consider this.
If your goal is to:
Then you can:
And your benefits may include:
Make a quick and easy gift.
|Simply write a check now, or give through our secure online process.
|An income tax deduction and immediate impact for us.
|Avoid tax on capital gains.
|Contribute long-term appreciated stock or other securities.
|A charitable deduction plus no capital gains tax.
|Defer a gift until after your lifetime.
|Put a bequest in your will (give us cash, specific property, or a share of the residue of your estate).
|Your donations are fully exempt from federal estate tax.
Receive guaranteed fixed income that is partially tax-free.
Create a charitable gift annuity.
Current and future savings on income taxes, plus fixed, stable payments.
|Avoid capital gains tax on the sale of a home or other real estate.
|Donate the real estate to us, or sell it to us at a bargain price.
|A charitable tax deduction with the possibility of reducing or eliminating capital gains tax.
|Make a gift of real property, such as coins, stamps, antiques or art.
|Donate tangible real property to us.
|A charitable tax deduction and the possibility of income for life if done through a trust or to set up an annuity.
|Avoid the twofold taxation on IRA or other employee benefit plans.
|Name us as the beneficiary of the remainder of the retirement assets after your lifetime.
|It lets you leave your family other assets that carry less tax liability.
|Give your personal residence or farm, but retain life use.
|Create a charitable gift of future interest, called a retained life estate.
|It gives you tax advantages plus use of the property.
|Achieve diversification usually reserved for very large investments
|Contribute to a Pooled Income Fund.
|Receive income for life and an immediate tax deduction on a portion of the contribution.
|Make a large gift with little cost to you.
|Contribute a life insurance policy you no longer need.
|Current and possibly future income tax deductions.
Secure fixed payments for life while avoiding market risks.
Create a charitable remainder annuity trust.
It gives you tax benefits and often boosts your rate of return.
|Give income from an asset for a period of years but retain the asset for yourself or your heirs.
|Create a charitable lead trust.
|Asset is returned to the donor or heirs with federal estate tax savings and income tax deductions for income donated.
|Create a hedge against inflation over the long term.
|Create a charitable remainder unitrust.
|Variable payments for life plus tax benefits.
|Make a revocable gift during your lifetime.
|Name us as the beneficiary of assets in a living trust.
|Full control of the trust terms for your lifetime.
Please note, individual financial circumstances will vary. The information on this site does not constitute legal or tax advice. As with all tax and estate planning, please consult your attorney or estate specialist. All material is copyrighted and is for viewing purposes only. Use of this site signifies your agreement with the terms of use. The content in this Planned Giving section has been developed for Cuesta College Foundation and is owned by Future Focus. Please report any problems to section webmaster.


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A great two player matching game which has great graphics, awaits you! Compete against your friend by trying to find the same cards on the board and be the winner at the end of the game by having the best score. What kind of cards await you? Here is the answer; you are going to try to match the cards which have fruits, vegetables, plants and animals on it. Then, let's start matching!
Game controls:
Player 1:
"MOUSE" and "LEFT-CLICK"
Player 2:
"MOUSE" and "LEFT-CLICK"
Good luck!


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Your exclusive concierge service.
Would you like to send gifts to multiple recipients? We are here to take care of the delivery of your order.
Sending directly to your recipients on your behalf we will remove the hassle of shipment. Your gifts will leave our offices and reach your clients and partners at the addresses indicated. Anything else you like (business card, personal message card etc) can be placed inside the packaging.
As simple as that!
Pricing depends on the volume of order.
Multiple recipientsWe are here to take care of the delivery of your order should you wish to deliver to multiple recipients.


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Lake Park, Georgia is located 14 miles south of Valdosta, the county seat of Lowndes County and only 5 miles north of the Florida border on I75. This is one of the most beautiful areas of Georgia, with its stately pines, cypress tress with spanish moss, and crystal clear lakes. A quiet but progressive community where you can admire a beautiful sunset, stroll among magnificent live oaks, inhale the fragrance of magnolia blossoms, and be charmed by the warmth of the people you will meet.
Lake Park is a jewel of a community. It has so many charming attributes that can be enjoyed simultaneously. For example, some communities may have a pleasant climate or a good location, or they may have affordable housing or fine dining and shopping. Rarely are all these amenities available year round as in Lake Park.
On one hand Lake Park's hospitality provides a step into the past, to a time when the joys of family, church, and tradition were important… when a leisurely picnic beside a clear lake was a cherished moment. On the other hand there is activity aplenty. Lake Park is practically synonymous with a vibrant shopping district. Scouting out the shopping malls, many of them outlets, and enjoying a great meal at any of dozens of restaurants are favorite local pastimes. History and antique buffs likewise stay busy exploring quaint small towns in south Georgia and north Florida. Golfers have a choice of fine links on which to hone their swings and putts.
With more than 20 pristine lakes in the vicinity Lake Park provides more than its fair share of swimming, sailing, fishing, canoeing, water skiing, kayaking, and snorkeling. Anyone needing to pause can catch a stunning gold and scarlet sunset blazing over any of those lakes.
Lake Park's south Georgia locale is ideal: far enough south to provide a wonderful year around climate of between 40 and 90 degrees with a great balance of sunshine and rainfall that's perfect for a flourishing backyard vegetable or rose garden.
It's all available in Lake Park: low unemployment, fine medical facilities, excellent education opportunities, and attractive affordable housing.


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The DAX is trading at 9320, up 0.6%, as traders exhibit caution while waiting for news from Crimea. The uncertainty about the likelihood of war has held back the equity market from heading towards the January highs. If conflict were to break out, or even if speculation grows that it may be imminent, we could see the market return towards the 9200 level.
The European Central Bank revealed its plans to stress-test banks operating in the eurozone. There will be 128 banks under review, and making sure all those operating in the region are well capitalised is essential to the survival of the eurozone. In the long term, stress tests are positive for the banks, as they should instil confidence in the eurozone financial system.
As previously stated, the market is finding support around 9260, while the 9395-9400 level is acting as resistance.


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I believe…
I believe that college is the best time in a person's life. Ever since I was a junior in high school my brother would tell me stories about college and how great it was. "It's the best four or five years of your life" he said. I've heard this countless times before but I guess I never really understood how going to school could be all that great. The next year, along with looking at colleges I was planning on attending, I decided to go visit him at Kutztown University. As the night was winding down, I remember sitting on this couch with him and his roommate, Bob. He couldn't believe that his time in college was almost over, and I was just about to start the best time of my life. I could see it in his face, the last thing he wanted to do was to leave Kutztown.
Now that I only have a few weeks left at Penn State, I'm starting to really understand how he felt. It's sad to think that such a great chapter of my life is coming to an end. As many chapters of my life have ended, I have looked forward to the ones to come. This is the first time where I honestly feel that the next chapter will not be as great as this one.
I want to specify what I mean when I say college is the best time in a person's life. I'm not talking about everyone who has a undergraduate degree. I don't believe in having a college degree, I believe in going to college. Leaving home and going somewhere completely out of your comfort zone is an experience that everyone should have. Living with total strangers and navigating your way around a strange town helps a person grow in other ways that sitting in a classroom cannot. It's this well rounded college experience that I believe in so sincerely. It's the only time when an institution, such as college, will bring thousands of people, the same age, together in an environment specifically tailored to their needs.
As my final few weeks come to a close, I can only think about enjoying the time I have left. During my whole college career I would put school work before fun, but know that I have my job in place, I've switched my mentality a little. I still keep up on my work, but have come to realize that If I don't do everything I can to enjoy these last few college moments, I may regret it.
If you enjoyed this essay, please consider making a tax-deductible contribution to This I Believe, Inc.


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Elm Wildlife tours provide an outstanding ecotourism service on the Otago Peninsula and through tourism they privately fund conservation efforts to save the Yellow eyed penguins and other NZ species.
They are an Ocean Champion because they put the wellbeing of the animals over profit. They could buy more buses and take more people to the private beach where the conservation area is located, but they don't as they are really committed to the conservation of the critically endangered Yellow Eyed Penguin. They have been doing lots of reforesting with native species and trapping of invasive pests for over 15 years without any government funds.
Nominated by: Maria Jesus Valdes on 24 January 2017
Note: NZAEE Seaweek is not responsible for the accuracy of the information supplied by the person nominating the Ocean Champion nominee.


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Disaster Management and Humanitarian Assistance (DMHA)
Disaster Management and Humanitarian Assistance (DMHA) is an interdisciplinary field that is becoming increasingly important. The president of the World Bank reported that in the past 30 years, more than 2.5 million people have been lost because of natural disasters. While more recently, fewer lives are being lost because of advances in risk reduction, the economic cost associated with disasters continues to grow. The most recent estimates for the cost of natural disasters over the past 30 years is $4 trillion. Due to global warming, the frequency, duration and intensity of extreme weather events will make disaster risk worse in the future. DMHA addresses all phases of the disaster cycle from mitigation to preparedness and response, and finally recovery. Within this cycle issues from social equity, sustainability and urban planning are worked in as problematics in a holistic approach to natural hazards.
This academic course stream is aimed at building disaster risk reduction competence and professionalism in planning students. The courses provide an interdisciplinary perspective on hazards, disasters, and risk reduction . Graduates in the course stream will be prepared to work for local, state, and federal agencies as well as for NGOs and the private sector.
Courses in this stream (select 9 credits):
PLAN 473/PLAN 673 Geographic Information Systems for Disaster Management and Humanitarian Assistance
PLAN 670 Interdisciplinary Seminar in Disaster Management and Humanitarian Assistance
PLAN 671 Disaster Management: Understanding the Nature of Hazards
PLAN 672 Humanitarian Assistance: Principles, Practices and Politics
PLAN 414 Building Community Resilience
PLAN 625 Climate Change, Energy and Food Security in the Asia/Pacific Region
PLAN 628* Urban Environmental Problems
PLAN 661Collaboration Between Sectors
PLAN 721 Homeland Security: Terrorism
*courses listed in more than one stream


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Access to finance: part three
Following up on part one and part two of the previous articles, part three brings you the importance of financial statements. What I have experienced is that most entrepreneurs do not spend enough time on this aspect of their businesses or rather downplay its importance.
Financial statements are so foreign to some, you wonder how their businesses have made it this far, but obviously it also shows that the financial statements are not the only decision making tool in the business. You could be operating profitably yet losing money without knowing, you could be going backwards without knowing and this could eventually catch up with you if it remains unresolved.
Financial statements show the financial position of an enterprise at a given point in time, usually a 12 month period. Furthermore, they reflect the performance of the business and are a useful tool for both internal and external stakeholders. By analysing financial statements, one can assess the efficiency and performance of an enterprise.
Add to that the following:
- They measure profitability;
- Indicate the trend of achievements;
- Assess the growth potential of the business;
- Give a comparative position in relation to previous years as well as other firms
- Assess overall financial strengths including solvency and liquidity of the enterprise and this can be compared to other firms etc.
There is just so much information that one can gather from financial statements and as a stakeholder, you would analyse the financial statements in order to gather sufficient information to making a sound decision.
What's important is that as a business owner, you start to be more aware of the financial position of your enterprise. The Annual Financial Statements are for all the stakeholders but as the captain of the ship, the decision that ensures whether you sink or swim lies with you. Therefore, take time to understand and analyse this information in detail as the consequences may be too dire to leave to chance.


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Video: 2009 Kia Sorento Commercial
2010 Kia Sorento, In-Detail
Review: 2008 Kia Sorento 2.5L Turbo Diesel, A Soft Roader Capable of Off Roading
New Kia Sorento Limited Edition Pack - (Australia)
Explore The 'Kia Diesel Experience' At AIMS 2007 - (Australia)
New Kia Sorento CRDi And 3.3 V6 'Help You Go Further Than You Thought Possible' - (Australia)
With a four-star Euro-NCAP crash-test rating, a five-star rating from the US National Highway Traffic Safety Administration (NHTSA) and a "Good' ranking from the Insurance Institute for Highway Safety (IIHS) in the USA, Sorento clearly demonstrates that it provides excellent occupant protection.
The new Sorento range offers a range of active and passive safety features that help make the Sorento cabin a safe place to travel.
ABS brakes, driver and front passenger SRS airbags, active front headrests to reduce the risk of whiplash injuries in collisions, and front seatbelts with pre-tensioners and load limiters are all standard across the Sorento range of LX, EX and EX-L models.
Move up to the EX and EX-L models and Electronic Stability Program with traction control becomes standard along with bigger 17' alloy wheels for greater assurance in all driving conditions, reducing the risk of a rollover. Sorento EX-L also offers side curtain SRS airbags for added side protection in the event of an accident.
Electronic Stability Program (ESP) uses wheel, steering angle and yaw sensors to detect when the vehicle is being driven in such a way that it may skid out of control and helps return it to a safer course by braking one or more wheels, reducing engine torque or both.
All models have ISOFIX child-seat mounting points, child safety door locks and five three-point seat belts.
Load-limiting front seat-belt pretensioners lock the belts in the optimum protection position if an accident is likely, while minimising pressure on the user's chest.
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by Chase Bannister
CW: discussion of eating disorders, disordered eating, and body shaming
So, is it nature or is it nurture?
If you're within earshot of the ivory tower, chances are that two things are true—first, reading the query above quickened your heartbeat just a touch, and, secondly, you've encountered this philosophical inquiry more than once in your academic life, either by some Psych 101 syllabus or (dare I say more importantly) in the context of those nonpareil 'meta' conversations with friends, held in the watches of the night.
As both a psychotherapist and an advanced miscreant prone to innocuous schadenfreude, I rather enjoy posing such questions to a couple of unsuspecting professorial types, each of whom having declared some unwavering opinion—just to see whose eyelids will start twitching first. We all have vices. Don't judge.
I've yet to see anyone get punched in the throat—categorically good from my pacifist lens—but I've not yet paired an epigenetics scholar with a sociologist. And seriously, y'all, beware the sociologists; they can get pretty scrappy. I'm just sayin'.
When the "it" in the "is it nature or is it nurture?" query is antecedent of sexual orientation, gender expression, or rights thereof, I've found that many LGBTQ folks and allies are particularly rockstar at mediating intractable camps. While working as a clinician at Duke University's Counseling & Psychological Services, time and time again I witnessed courageously vulnerable LGBTQ persons help others (both within and without the LGBTQ community) wade through complex issues of personal identity, gender fluidity, and the veiled violence of an overwhelmingly heteronormative world. Those painfully beautiful moments still my heart, even now.
All the while, inside the (admittedly therapist-y decorated) offices shared amongst my colleagues, a specific nature/nurture struggle from within the LGBTQ community emerged as refrain – food, weight, body shape, appearance, size, and shame. Eating disorders and disordered eating were consuming the lives of LGBTQ students—physically, mentally, and emotionally.
Eating disorders are the most lethal of all mental illnesses, and affect more than 25 million people in the United States. To be redundant because it's important, these illnesses—Anorexia Nervosa, Bulimia Nervosa, and Binge Eating Disorder—have taken the lives of too many wonderful young people, and continue so to do, giving little sign of abatement.
Many colleges and universities have been aware of the onslaught of eating disorders for some time, and have been doing what they can in the context of an impoverished research environment for eating disorders. Of course, in the absence of adequate funding for sufficient research, common lore reigns.
With myth as prevailing truth, eating disorders were (and often still are) imprudently narrated as illnesses as disorders of will, disorders of choice, and disorders of the affluent straight white girl.
Oh, and before impassioned typing gets the better of me, I should probably tell you that I'm credentialed as a Certified Eating Disorder Specialist (CEDS), having spent the last nine years resolutely and unapologetically fixated on best-practice care for persons with eating disorders, and am co-founder of Veritas Collaborative, a specialty behavioral health hospital for young people with eating disorders.
Collaborative efforts in the academic and clinical practice communities point to an alarming reality—our societal failure to acknowledge the enormity of eating disorders within the LGBTQ community. Yep, I meant it to sound bold like that.
· Compared to straight males, gay males are significantly more likely to restrict food, purge by vomiting or laxatives, compulsively exercise, and take diet pills to control weight.
· Approximately 6% of males identify as gay in the US; yet gay males represent 42% of males with eating disorders.
· Gay males appear to be at particular risk due to intra-community pressures to be muscular and thin at the same time.
· Loneliness is an understudied and significant risk factor for gay males; those not in a (self-described) significant romantic relationship appear to engage in dramatically more—and more severe—instances of eating disorder behaviors than those in relationships.
· Lesbian women were once considered "protected" from eating disorders because of the community's perceived rejection of the feminine norm, yet now we know that Lesbian women are just as likely to have an eating disorder as straight women.
· Lesbian women with body image distortion, disordered eating, and/or eating disorders are "doubly isolated within the lesbian community. And isolation perpetuates the problem." [Naomi Tucker]
· Trans* persons report significant body dissatisfaction along with severe dieting, fasting, and purging behaviors.
· Only 35% of medical curricula include any information on Trans* related endocrine/hormonal/medical issues related to transitioning.
· LGBTQ persons are at higher risk for depression, anxiety, and substance abuse disorders than straight persons (co-morbid risk factors for eating disorders)
· LGBTQ persons people are 2 ½ times more likely than their heterosexual peers to have had a mood, anxiety, or substance abuse disorder in their lifetime (more co-morbid risk factors for eating disorders)
Moreover, we know that eating disorders—complex disorders that live at the intersection of nature and nurture and the intersection of physical illness and mental illness—can start out as ways to cope with the stress, stigma, and shame heaped upon them (a concept called "minority stress"). LGBTQ persons might engage disordered eating behaviors as:
• A way to manage difficult and ambivalent feelings about being LGBTQ and/or being out
• A way to mitigate and control feelings about one's gender or gender expression
• An identity to hold onto while LGBTQ identities may yet be amorphous, i.e. I am my eating disorder
• A response to trauma, in whatever form or forms that might take
• A way of coping with the anxiety around the body-as-currency or body-as-value
• A means of attaining a masculine or feminine ideal or
• A way of coping with societal denigration of female masculinity.
It's important to remember here that we believe eating disorders have a nature/nurture component to them, too. Clinically, we understand eating disorders as remarkably complex, biogenetically-mediated mental illnesses. That is to say, some persons may be genetically hard-wired for an eating disorder illness; absent purging or restricting or compulsively exercising, the illness might remain practically dormant, and the person may never experience the torment of an eating disorder.
All this theory is truly important to the LGBTQ community. What might seem like an inconsequential behavior—say, restricting foods or food groups—may inadvertently trigger a long-term struggle with an eating disorder.
A hopeless optimist, I believe we have a chance to do things differently—a chance to potentially prevent our peers from having to experience this kind of pain.
And it starts with us. Whether we're in the therapy room, the classroom, the cafeteria, the library, or hanging out at the corner coffee shop—we can be mindful of how we talk about our bodies, and how we talk about other people's bodies. Given all the crap (a clinical word) LGBTQ folks have to face during high school, college, and young adulthood, the absolute last thing they need is for their own community to be participating in the criticizing, critiquing, and shaming of bodies.
It's awesome to witness the swift progression of LGBTQ rights before our very eyes. Yet there's much left to be done – and so many people still left in the shadows. Not-so-shockingly, researchers found that when LGBTQ young people feel accepted by their families, they were much more likely to believe they would have a good life—and that they would have a happy, productive adulthood.
Want a protective factor from an eating disorder for an LGBTQ person? Help them know—as Mister Rogers did for me as a child—that they are special, that there's no one else in the whole wide world like them, that they enrich our lives by their just being themselves, that their feelings are mentionable and manageable, and that they are wonderful and lovable just the way they are.
Chase Bannister, MDIV, MSW, LCSW, CEDS
Vice President & Chief Clinical Officer,
Veritas Collaborative
Veritas Collaborative is a Specialty Behavioral Health Hospital for Young People & Center of Excellence for the Treatment of Eating Disorders, located In Durham, North Carolina.
To learn more about the National Eating Disorders Association (NEDA) and to view the Eating Disorders in the LGBTQ Community NEDA webinar, please visit www.nationaleatingdisorders.org.


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Colin Farrell is losin' it—literally!
The Miami Vice star was spotted in Spain while meeting up with some friends for dinner. But from the looks of this picture, it's probably safe to say the one-time beefcake didn't eat much meat...or anything else for that matter.
Word has it, though, that Colin is simply doing the method thing for the drama he's currently shooting titled Triage.
The film finds the 31-year-old actor playing a U.S. photographer whose life spirals downward upon returning home after covering a small war in late-1980s Kurdistan.
Let's just hope they have plenty of food at the wrap party, because somebody's gonna be starving!


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Contact Header
"We chose Wenlock Spring for its excellent clean taste, the bottle presentation and the subtlety of the sparkling water. Our customers are very discerning; everything must complement the food and the whole dining experience". Will Holland.
Wenlock Spring switch to 50% recycled plastic bottles in 2018
Wenlock Spring switch to 50% recycled plastic bottles in 2018
In a bold and sustainable move, Wenlock Spring are switching to bottles made with 50% recycled plastic content.
In a bold and sustainable move, Wenlock Spring are switching to bottles made with 50% recycled plastic content.
With a pioneering environmental ethos, Wenlock Spring are introducing change before political policy, taxes or green incentives make such measures compulsory.
The 50% recycled plastic bottles will launch in April 2018 incorporating an innovative new design showcasing their provenance. As well as being made from recycled plastic, the bottles are also fully recyclable – ensuring a circular recycling process.
In the UK, we have the infrastructure to recycle plastic bottles repeatedly. Our recycling plants don't, however, have enough supply. Only 65% of local authorities recycle plastic, which is why only 50% recycled plastic content is currently attainable. As the nation recycles more and supply increases, Wenlock Spring intend to achieve bottles made from 100% recycled plastic. Our company is passionate about encouraging and promoting recycling.
A Sustainable Future
Matthew Orme, Director of Wenlock Spring, commented: "We simply cannot continue to let something that we use for minutes, pollute the environment for hundreds of years, especially when plastics are recyclable. We not only have a corporate responsibility at Wenlock Spring, but a responsibility to the generations to come. Reducing landfill should be an objective for everyone. We welcome a circular economy where plastic bottles are being reused, remade and recycled again - and again."
See Us At:
23rd and 24th June 2018
Shrewsbury Food Festival
The Shrewsbury Food Festival is born from a passion for great food, fantastic producers and a love for our stunning landscape.
7th 8th 9th September 2018
Ludlow Food Festival
Featuring more than 180 local food and drink producers and suppliers: real food, ale, cider, perry, wine and more from the Marches, with samples and tastings.


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Legal Status
Document Details
Published Document
Office of Surface Mining Reclamation and Enforcement Interior.
Notice and request for comments.
In compliance with the Paperwork Reduction Act of 1995, the Office of Surface Mining Reclamation and Enforcement (OSM) is announcing its intention to request approval to continue the collections of information under 30 CFR part 740, Surface Coal Mining and Reclamation Operations on Federal Lands, and 30 CFR part 780, Surface Mining Permit Applications—Minimum Requirements for Reclamation and Operation Plans. These information collection activities were previously approved by the Office of Management and Budget (OMB), and assigned them clearance numbers 1029-0027 and -0036, respectively.
Comments on the proposed information collection must be received by July 1, 2002 to be assured of consideration.
Comments may be mailed to John A. Trelease, Office of Surface Mining Reclamation and Enforcement, 1951 Constitution Ave., NW., Room 210—SIB, Washington, DC 20240. Comments may also be submitted electronically to firstname.lastname@example.com Further Info
To request a copy of the information collection requests, explanatory information and related forms, contact John A. Trelease, at (202) 208-2783.End Further Info End Preamble Start Supplemental Information
OMB regulations at 5 CFR part 1320, which implementing provisions of the Paperwork Reduction Act of 1995 (Pub. L. 104-13), require that interested members of the public and affected agencies have an opportunity to comment on information collection and recordkeeping activities [see 5 CFR 1320.8 (d)]. This notice identifies information collections that OSM will be submitting to OMB for approval. These collections are contained in (1) 30 CFR part 740, General requirements for surface coal mining and reclamation operations on Federal lands (1029-0027); and (2) 30 CFR part 780, State-Federal cooperative agreements (1029-0092). OSM will request a 3-year term of approval for each information collection activity.Start Printed Page 21730
Comments are invited on: (1) The need for the collection of information for the performance of the functions of the agency; (2) the accuracy of the agency's burden estimates; (3) ways to enhance the quality, utility and clarity of the information collection; and (4) ways to minimize the information collection burden on respondents, such as use of automated means of collection of the information. A summary of the public comments will accompany OSM's submission of the information collection requests to OMB.
The following information is provided for the information collection: (1) Title of the information collection; (2) OMB control number; (3) summary of the information collection activity; and (4) frequency of collection, description of the respondents, estimated total annual responses, and the total annual reporting and recordkeeping burden for the collection of information.
Title: 30 CFR part 740—General requirements for surface coal mining and reclamation operations on Federal lands.
OMB Control Number: 1029-0027.
Summary: Section 523 of SMCRA requires that a Federal lands program be established to govern surface coal mining and reclamation operations on Federal lands. The information requested is needed to assist the regulatory authority determine the eligibility of an applicant to conduct surface coal mining operations on Federal lands.
Frequency of Collection: Once.
Description of Respondents: Applicants for surface coal mine permits on Federal lands.
Total Annual Responses: 36.
Total Annual Burden Hours: 2,433.
Title: 30 CFR part 780—Surface Mining Permit Applications— Minimum Requirements for Reclamation and Operation Plan.
OMB Control Number: 102-0036.
Summary: Sections 507(b), 508(a), 510(b), 515(b) and (d), and 522 of Public Law 95-87 require applicants to submit operations and reclamation plans for coal mining activities. Information collection is needed to determine whether the plans will achieve the reclamation and environmental protections pursuant to the Surface Mining Control and Reclamation Act. Without this information, Federal and State regulatory authorities cannot review and approve permit application requests.
Bureau Form Number: None.
Frequency of Collection: Once.
Description of Respondents: Applicants for surface coal mine permits.
Total Annual Responses: 325.
Total Annual Burden Hours: 186,556.Start Signature
Dated: April 5, 2002.
Richard G. Bryson,
Chief, Division of Regulatory Support.
[FR Doc. 02-10643 Filed 4-30-02; 8:45 am]


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Estelle, the cat of my son
I had a cat with eyes of two different colours too, when I was little. They are so beautiful, they look like magic creatures!ReplyDelete
Oh, you did!?!
Yes, they are magical!
Oh she's lovely : ) we used to have a Border Collie with one brown and one blue eye and a white face - she was deaf, apparently it is sometimes an indication of deafness.ReplyDelete
Yes, I've heard that they might be deaf, but as we see, this Estelle seems to hear normally.Delete


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ENFIELD — McDonald's went before the planning and zoning commission with a tall order Thursday night.
The fast-food giant asked for fast-track approval for a new restaurant in the Scitico Plaza on Route 190.
``I am asking for approval tonight,'' said McDonald's representative Susan Kristiansen after describing a smaller-than-usual restaurant with a computer game section for children.


text: News Government admit assessors need 'better understanding' of mental health The minister for disability has conceded that benefits assessors come up short when it comes to evaluating capacity among individuals with mental health needs. Late-night texting detrimental to adolescent mental health Poor sleep quality due to late-night texting or calling has been linked to an increase in depression and low self-esteem in adolescents, say researchers. Main news Relive Mental Health Today Wales 2017: #MHTWales17 The 2017 edition of Pavilion's annual conference took conversations around improving lives, services and outcomes for people in Wales with mental health conditions to the next level. Relive the story of the day here - and look forward to seeing you next year! #MHTWALES17 ________________________________________________________________________________________________________ Social Care News Government admit assessors need 'better understanding' of mental health The minister for disability has conceded that benefits assessors come up short when it comes to evaluating capacity among individuals with mental health needs. Call for pre-emptive support for armed forces leavers Charities want to be made aware earlier of individuals with known mental health conditions. Worker Mental Health News Work Programme fails people with mental ill health, charity claims The Work Programme, the government's flagship back-to-work-scheme, fails people with mental health problems, a charity has claimed. Welsh Government launches mental health crisis care concordat A new agreement to improve the system of care and support for people in a mental health crisis has been signed by the Welsh Government, police forces, the NHS, councils and other agencies. ________________________________________________________________________________________________________ Political News Ground-breaking use of Skype appointments rolled out by mental health trust A project to use Skype for patient appointments is set to be rolled out as an alternative for all patient consultations across South West London and St Georges Mental Health NHS Trust after a successful pilot. People not being offered enough support to exercise their rights under Mental Health Act, CQC finds Greater attention needs to be given to supporting people who are subject to the Mental Health Act, including how they are involved in their care, empowering them to exercise their legal rights and if they receive the safeguards provided by the Act when they are detained in hospital or subject to conditions in the community, a report has found. Research News Mental health in top three for construction employee absence Mental health listed as top three reason for sickness absence in the construction contracting sector, says research. Severe mental illness linked to cardiovascular disease and early death People with severe mental illnesses are 53% more likely to have cardiovascular disease than those without mental illness, say researchers. ________________________________________________________________________________________________________


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Warehouse / Logistic Centre
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Trimoterm - Insulated Fireproof Facade System
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Quik-Shot Systems and Accessories
Quik-Shot Inversion Unit
This is the most advanced lateral lining system available. Lightweight and portable and yet can continuous feed to any length. Basic unit equipped to invert both 4" and 6". Compatible with any and all manufacturer's lining materials. The Unit uses air to invert the lining material but is equipped with a water port if water inversion is desired.
Quik-Shot Kits
Quik-Shot unit has kits available for either 3" and 8" liners. Kit includes, nozzle, bats, stiffener and gasket.
Air Control Plug
Air manifold regulator control to be used when air curing.
Calibration Hand Roller
Calibration Hand Roller on a foldable stand. Has a calibration scale on unit to insure the proper amount of resin in every liner. Stands approximately 54 in x 30 in wide. Designed so it can be used as a standalone or truck mounted.
Mixing Bit
Mixing bit to put in 1/2″ drill to mix the resin correctly.
Digital Scale
Digital scale with case.
To measure correct amount of resin and hardener.
Vacuum Pump
Special vacuum pump that connects to your compressor. Available in 2 sizes. The small vacuum has max flow of 2.2 cfm. The large vacuum has a flow of 27 cfm.
Dome Head Manifold
The Domeheld Manifold connects on the Quik-Shot nozzle for either heat cure or air cure.


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Reports have emerged that some New Surface Pro devices suffer from an unexpected shutdown or hibernation issue and social media platforms and forums are ablaze with complaints about this issue.
The reports are about the new Surface Pro, which was released recently. While waiting for a resolution could be one way to go, but the best recourse is to go ahead and replace the new Surface Pro while you still can. Microsoft has acknowledged that they are aware of this issue affecting a small group of customers and that they are investigating the issue.
Based on the fact that it has historically taken Microsoft months and months to identify issues and come out with a fix and since these devices are still eligible for return for full refund, you may want to consider returning for a full refund and repurchasing. If you do that, you get another 30 days of being able to return and repurchase, etc. The reason I say this is that 6 months down the road, Microsoft will exchange for a refurb if they determine it is a hardware issue and the quality of the refurbs has not been consistent.
Additionally, if it IS a software issue, customers should not need to perform multiple wipe and reimage's and bare metal trouble shooting. These devices should just work properly out of the box.
Below are some of the user complaints that we have spotted on different forums and platforms online:
Just picked up the Surface Pro I5 Friday. At random intervals the screen goes black and the device seems to power off while I am actively using it (typing). Pressing the power button presents the black and white windows logo and a few seconds later a login screen with the desktop in the exact setup before the shutdown.
Another user says:
Hey all, I just got a i5 256gb 8gb ram surface pro last Thursday and 5 times it's randomly turned off and went to sleep on me. I've installed a minimal amount of apps and I can check the event log and see a ""reason: application API", " log entry indicating that my surface went to sleep with very little other context. Has this been happening to any of you? Any ideas how to determine what App may be causing it and what I might be able to do about it?


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Retirement Planning
- 401(k)
- 403(b)
A 401(k) plan is a defined contribution plan offered by a corporation to its employees, which allows employees to set aside tax-deferred income for retirement purposes. In some cases employers will match their contribution dollar-for-dollar. Taking a distribution of the funds before a certain specified age will trigger a penalty tax. The name 401(k) comes from the IRS section describing the program.
A 403(b) plan is a tax-advantaged retirement savings plan available for public education organizations, some non-profit employers (only US Tax Code 501(c)(3) organizations),cooperative hospital service organizations and self-employed ministers in the United States. It has tax treatment similar to a 401(k) plan, especially after the Economic Growth and Tax Relief Reconciliation Act of 2001. Simply put, employee salary deferrals into a 403(b) plan are made before income tax is paid and allowed to grow tax deferred until the money is taxed as income when withdrawn from the plan.
A SIMPLE IRA (Savings Incentive Match Plan for Employee) is a type of tax-advantaged employer-provided retirement plan that allows employees to set aside money and invest it to grow for later use. It is an employer sponsored plan like more well-known plans such as the 401(k) and 403(b), but offers simpler and less costly administration rules. The SIMPLE IRA is funded by a pre-tax salary reduction. Like other salary reduction contributions, these deductions are subject to social security, medicare, and FUTA taxes.
A simplified employee pension (SEP) is a written arrangement that allows the employer to make deductible contributions to a traditional IRA (a SEP IRA) set up for plan participants to receive such contributions. Generally, distributions from SEP IRAs are subject to the withdrawal and tax rules that apply to traditional IRAs.
- Profit Sharing Plan
You dont need profits in order to make contributions to a profit-sharing plan. Of course, having a profit would probably make it easier to actually contribute something. Contributions to a profit-sharing plan are discretionary. There is no set amount that you, the employer, needs to make. If you can afford to make some amount of contribution to the plan, then go ahead. If you do make contributions, you will need to have a set formula for determining how the contributions are divided. This money goes into a separate account for each plan participant.
- Money Purchase Plans
Money purchase plans have mandatory contributions. That is, you, as the employer, are required to make a contribution to the plan each year on behalf of the plan participants. With a money purchase plan, the plan states the contribution percentage that is required. For example, lets say that your money purchase plan has a contribution of 5% of each eligible employees pay. You, as the employer, need to make a contribution of 5% of each eligible employees pay to their separate account. A participants benefit is based on the amount of contributions to their account and the gains or losses associated with the account at the time of retirement.
In addition to the broad outline of retirement savings plans listed above, there are many other types of savings plans that will help your employees to prepare for an enjoyable and carefree retirement. Let Riverfront Financial help you decide what plan is best for you and your employees.
Securities offered through The O.N. Equity Sales Company, Member FINRA/SIPC
One Financial Way, Cincinnati, Ohio 45242 (513)794-6794
One Financial Way, Cincinnati, Ohio 45242 (513)794-6794


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Clintonomics vs Trumponomics - how should investors view the U.S. election?
- 20 September 2016
- Views1687
Analyzing the likely market impact of the US election
What would Trumponomics - or Clintonomics - look like? And what impact would this have on US and global markets? Here is a selection of our favorite papers, compiled by the Savvy Research team.
U.S. Presidential Elections: The Home Stretch (Pioneer, Sep 2016)
While the impact of the U.S. election on markets is likely to be far more muted than the intensity of campaign rhetoric might suggest, this paper still explores some important questions on the potential impact on investment strategy.
How long-term investors should view the 2016 U.S. election (JP Morgan, Sep 2016)
This paper by JP Morgan discusses the forthcoming crowded political agenda and its significance for the present and future state of the U.S. economy. In the authors' view, financial markets are complacent.
The 2016 U.S. Election: All bark, no bite for markets (TIAA, Sep 2016)
While the authors of this paper don't expect the U.S. election to be a driving factor in investment performance over the next few months, it's still possible for the race to change in a way that invites significant market volatility.
Presidential Election Chartbook (BBVA, July 2016)
The favorability of this year's U.S. presidential election candidates has been historically low. Economic and market-based forecasts suggest a win for Hillary Clinton and the Democrats, although geopolitical turmoil and financial volatility has reduced their lead in this national vote-share model.
What would happen if Hillary Clinton dropped out of U.S. election race? (The Telegraph, Sep 2016)
For weeks, statements from the Trump camp about Clinton's health had been dismissed as a "conspiracy theories". It's now been revealed that she is suffering from pneumonia. What would happen if she dropped out of the race?
Clintonomics vs. Trumponomics (Michael J. Boskin, Sep 2016)
The U.S. presidential election race has so far focused on relatively trivial matters. Far less, however, has been said about the economic ideals of either leading candidate. In this piece, Michael J. Boskin examines where the two candidates stand on important economic issues.
Complacency Ahead of Election and Possible Fed Hike (Pioneer, Sep 2016)
This piece by Pioneer Investments examines the the state of the U.S. presidential race, the challenges faced by the candidates, the Electoral College outlook and finally the financial markets implications.


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It's that time of the year again! The time when all of the wonderful events that make Summer so awesome start announcing all of the big surprises that they have in store for the upcoming year. The Alternative Press Music Awards have announced today through a hilarious YouTube video featuring Jack Barakat and Alex Gaskarth (former APMA hosts, All Time Low) that Andy Biersack (Black Veil Brides, Andy Black) will be hosting the 2017 award ceremony! The video is linked below, so you should definitely watch it.
Are you excited for the APMA's? Let us know in the comments!
Promotional photo by Grizzlee Martin.


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How it All Started
I have always LOVED to cook! I started to dabble with making chocolates and then I got the opportunity to take lessons with world renowned chef Ewald Notter. I have a new baby grand daughter and she likes it when I am in the kitchen. So I make chocolates to keep her happy!
Before I really got started, we had many dinner parties with friends tasting 10 different chocolates in order to choose the best of the best for my collection.


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Treehotel - Dragonfly
Harads, Sweden
Completed 2013
Our proposal for the new Treehotel room is a long horizontal animal-like structure that spans supported between a group of 4-6 pines. The project is placed on a top of the hillside, on the edge of a thicker forest.
The idea was to create a small space which is connected to the tree crowns and the landscape outside, reacting to the different sunlight situations during the day. The horizontality of the building offers a clear break with the vertical pine forest and signalizes a man-made intervention in the natural setting.
The main windows open towards the south and to the wider landscape while the back wall towards north is more sheltering.
In the middle of the interior are common functions: kitchen, dining area and fire place from where one can enter the bedrooms and toilets, spaces which are cantilevered to the main volume.
The facade is made of corten steel which offers good resistance to the the harsh climate. Interior walls are of black-stained birch plywood, offering a warmer atmosphere on the inside. Fixed furniture like beds, kitchen bench and table plus benches is made of oiled thermo treated wood, as are ceiling and floors too.
Light fixtures are specially designed for the project, custom made by Swedish light company Ateljé Lyktan.


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The Dambusters used the bombing range to practice ahead of their famous mission in Germany.
Former RAF buildings rarely come on to the market, particularly sites with as much history as this control tower with ancillary buildings in Friskney.
The property sits on the Lincolnshire coast and was previously the base for RAF Wainfleet.
During the Second World War the bombing range was used by the Dambusters, with the squadron's story being told in several books and in a 1955 film starring Michael Redgrave.
The Dambusters used the range to drop 11.5 pound practice bombs from 60 ft to get to grips with targeting at a low altitude. The 617 squadron went on to successfully attack the Mohne and Edersee dams in Nazi Germany in 1943 using bouncing bombs.
In 2009 the military left the site, which was bought by Wendy Pitcher and Will Roughton. Pitcher told the BBC: "It's just so unusual, a magnificent building, I think, and every time we come up I wonder why we are selling it."
The four storey control tower was built around 1975 and offers spectacular panoramic views of the surrounding agricultural land and the sea beyond. It contains a kitchen, toilet, five other rooms and an observation platform with its own balcony.
There is ample opportunity for a Grand Designs style renovation of the property. The ancillary buildings were previously used as a kitchen, rest room, gym and offices, but could possibly be converted into holiday lets. There is no planning permission in place at present.
The 40 ft structure and its additional buildings are available for £300,000 to £350,000. It is being marketed by William H Brown after the property failed to meet its reserve when it went up for auction in 2014.
Nature enthusiasts will be in paradise as the area is a hub for wildlife, and is a designated Site of Special Scientific Interest. This is due to the large quantity of resident and migrating birds that are found there.
While the property is secluded, there are still plenty of facilities nearby. Friskney provides a pub, primary school as well as a food store, but for more extensive amenities Skegness is less than a 20 minute drive away.


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You know what obstacles blocking the success of SMEs?
Have you ever thought why you fail to affirm professionally is due to several obstacles? Not so you do not know?
Fortunately, there are new team of specialistsaccounting servicesAlways available to answer your concerns that you face daily, but that it's hard unravels them.
In professional life, as in personal life, it matters to be the right man at the right place. Otherwise, you have every chance of success that instead, be "rewarded" with an invisible career. And it's not what you want ...
In the following lines, we will try to propose some solutions you when you own and / or manage a company. And do not forget to take into account expert advice ofAccounting FirmAccountant Office:
You're thinking the wrong man at the wrong place?
Romanian economy, although it has only a drop in the ocean that is the global economy, offers a lot of opportunities when you decide to turn your ideas and projects into a successful business.
Whatever sector you choose, surprisingly, you'll find that offer products and services is infinite ... or almost. It is enough to have the inspiration to stop at a niche "potential", where there are considerable chances of winning.
To succeed, seeking more information on how you intend to enter the market. outsourcingaccounting servicesby an authorized company with experience, it is prolific but not enough unless you are aware of a number of essential information.
Do your online and offline in specialized publications about funding possibilities, but also about possible "rivals". Try to enroll in training courses and search for other entrepreneurs just starting out or others who have already exceeded the critical point of release.
Think that financial resources are insufficient?
Insufficient budget or, worse, total absence of liquidity, constitute an important obstacle in business. It's what makes the difference between an idea of lightning, located in the works and a real business, with real chances of success.
Again, using expertsaccounting servicesIt is useless if you do not know do so, and that to overcome this obstacle. Boldly when banks cut you any hope, turning to familiar, from friends or acquaintances.
And do not panic if you can not find soon the entire capital that you need. One idea would be to share your project in several phases. And using support staff, the experience of other entrepreneurs with whom you interact, you could save enough pennies.
You may think your idea has little chance of success?
The key to a successful enterprise consists of innovative ideas. We all know, you know it ... just as it's hard to find IDEA. And then you get stuck, being sure that you lack the 1% inspiration. But as others before they have failed to find it, and you'll succeed.
One thing that did not know to move forward, is that innovation does not necessarily invention. Yes, it's come in with something new to revolutionize the market or even a narrower target, from which you can then develop yourself.
For example, you can try to improve a production process or service update, starting from what they want and need prospective consumers. Start with something that exists only trying to "renovate", adapting more projects in the current situation.
The solutions can be simpler than you expect and all the technology you have available, easily practicable. But if you're still not sure, we suggest you stick together with our team of specialistsaccounting servicesWithout losing any of the following posts.


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I detest New Years Resolutions, probably because I know I will never last a year but this year I am determined that I will be a more organized mom in 2012. Now, I have tried becoming a more organized mom in the past and it is not easy, at least not for me so I knew this goal would take a well laid out plan. My plan is to tackle one area each week.
This week the plan was to tackle the entrance closet. It was a disaster! So of course I finally got off my butt to get started Friday afternoon. I knew full well that if the weekend came before I started I would never do it!This is what my closet looked like when I opened the door. Now you can see why all the holiday guest coats had to be laid on beds!
The Coat closet was my first priority because I needed to clean the kitchen next. You see every day there are at least two or three jackets hanging on chairs and my purse and diaper bag are on the table because there is no room in the inn.
I started by emptying the closet and discovered that I am undoubtedly a hoarder. At this rate it is only a matter of time before A&E asks for an interview. I found coats that have not been worn since college (which was a looooong time ago), that somehow escaped the donation bins in the many closet clean-ups past. I knew I had to be ruthless! I began tossing everything into a garage sale bag and I swear that what doesn't sell does not come back into the house this time! I placed hats and mittens in a large bin and what didn't fit didn't make the cut.
I hung scarves on hooks on the door and while it still looks very hoarder-ish, I assure you I got rid of twice as many as I kept. I finally had room for the diaper bag and my purse on top of the closet.
I removed a stack of board games since my husband refuses to play board games due to my ever so slight tendency to be over competitive and to show bad sportsmanship during all games that start with Scrabble or Boggle! Since they are never played they are no longer entitled to the prime real estate and were relocated to the basement.
I cleaned out the shoes and replaced them with shoes I could slip on when running out (5"H espadrilles and gold crocodile stilettos are probably not in that category and were moved upstairs). I even allowed space for one pair of my husbands shoes! I realize that is a bit of an unbalance but the percentage is right if you think about how many shoes we each own. Besides his shoes are size 15 (wink, wink, smirk) and they take up a lot of room!
This is what it looked like when I was done!
I then tweaked the final product;
- I added a few extra hangers so it could actually be used as a guest closet
- I chose a matching pair of mittens for each coat and placed them in a coat pocket.
I figure, that if this is really about becoming a more organized mom, that one less thing for me to do when I am trying to get out of the house with a toddler is a bonus.I don't know how long I will keep it looking this way and just in case you are looking at it thinking it still looks overcrowded, I would like you to take a look at what came out and did not go back in!
Seriously…I am three scarves and a deck of cards from being a certifiable hoarder. However the closet is now clean and organized and so I am one week closer to being the organized mom I know I can be!


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Friday, July 31, 2015
Sacko Reusable Tote Bag Review
There are 3 available colors for the Sacko Tote Bag and I chose the red/black/gray colored one. Here is a quick product description from the company:
Go Green with the Sacko (TM) Durable and Non-Woven Reusable Grocery Tote Bag.
This bag features Ample Room for your shopping essentials, a Zippered Closure, Front Pocket for Extra Space, Reinforced Straps and Inner Bottom Board that Prevents wear and tear.
Great for Grocery Shopping, Everyday Errands, School, Trips to the park and even the Beach.
Dimensions of the bag are 16"w x 3"d x 15"h
I like how I can use the Sacko Reusable Tote Bag in a variety of ways. When not in use, I can fold and roll it so that I can easily store it. It is lightweight and has a simple design which I really like. This tote bag is durable and I like that the stitches around the bag haven't started to break apart even when I've used this for a couple of times already.
I've used this to hold toys for my daughters when we go to the park, place about 10 children's books when we borrowed books from the library (some are hardbound) and used this for my grocery shopping, to name a few. I like how versatile and handy this tote bag is and I like that I can reuse it over and over again.
You can learn more about the Sacko Reusable Tote Bag HERE.
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MADRID, October 15 – Real Madrid's president on Tuesday revealed that Gareth Bale had cost 91 million euros (Sh10,487,886,500), confirming the Welsh winger had been insured for the value of his transfer fee.
Questioned on the Intereconomia television channel on whether Real's injured star is insured for 91 million euros ($123 million, 78 million pounds) in the event that he is forced to end his career, club president Florentino Perez replied: "Yes, sure".
"It's a life insurance, against accidents. Bale is insured for the amount he cost," he added, making it clear that the insurance policy covers death and permanent invalidity.
Neither Real Madrid nor Tottenham, Bale's former English Premier League club, had previously disclosed the price tag, which the British press had speculated at up to 101 million euros.
Meanwhile, Meanwhile, WaColeman has already defended himself over the manner in which Bale was used during the games against Macedonia and Serbia.
And he rubbished claims that his medics had in some way compounded the injury, saying: 'Gareth didn't have a problem with his back when he was with us. He missed the Olympics with something similar — and our friendly with Mexico.
The Wales manager heads into a party atmosphere in Brussels on Tuesday with fresh accusations over the cause of the player's fitness emanating from Madrid.
Bale has suffered with a slipped disc and the story from the Spanish capital is that the £86million man first had the problem when he was with the Wales squad last month.
– Additional reporting by Daily Mail


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Important Information on Purchasing Auto Insurance in Austin, TX
The state of Texas requires all drivers to pay for any damages they cause, so most choose to carry liability insurance. It is imperative drivers protect themselves by carrying, at least, the minimum insurance requirements so they do not end up having to pay exorbitant amounts out of their own pockets. Understanding the state requirements and working with an insurance agent will allow drivers to purchase adequate Auto Insurance in Austin TX.
The state of Texas has two minimum auto insurance requirements:
* Drivers must purchase a policy that covers $30,000 for each person for a total of up to $60,000 in injury coverage.
* Drivers must also have coverage for property damage of up to $25,000.
Although these are the only requirements by law, there is more coverage that can be purchased to ensure a driver and a vehicle's occupants are fully covered. One of the areas of coverage most agents recommend is uninsured motorist coverage. Though most states require drivers to carry liability insurance, this does not mean every driver is compliant. When a person is hit by a driver who is uninsured, this coverage will provide compensation for their injuries and damages.
Collision coverage is especially beneficial because it pays for damages to a driver's car when they are responsible for the accident. This can be added in addition to the basic coverage to ensure a driver is fully covered, whether the accident was their own fault or the other driver's.
Newer car owners will appreciate the benefits that come with comprehensive coverage. This type of insurance coverage covers car damages that do not result from a car accident, such as hail damage and vandalism. Many drivers feel more at ease knowing they have full coverage on their vehicles so they are always protected from any type of damage.
Those who are in need of Auto Insurance in Austin TX need to make sure they have at least the minimum amount of coverage the state requires. To receive help with your insurance purchase, contact the office of Patrick Court. He and his staff will provide you with the full insurance services needed so you can rest assured you meet the law requirements and are protected.