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The Community Social Planning Council (CSPC) and Volunteer Victoria are recruiting volunteers to take part in a count of people experiencing homelessness in Greater Victoria on Thursday March 15th, 2018. The count will be held from 11:00 am to 11:59 pm both inside housing facilities and out-of-doors on the streets.
A count of people who were experiencing homelessness took place in 2016. Point-in-Time counts add important information to our understanding of how people experience homelessness in our region. This information will assist planners, funders and agencies develop appropriate responses to homelessness in our region as well as measure progress in ending homelessness.
To volunteer please complete an online application at https://www.surveymonkey.com/r/2018PiTEveryoneCounts
We are looking for volunteers who are:
- Compassionate, accepting and enjoy one-on-one conversations with people
- Have a non-judgmental attitude and a good sense of humor
- Outgoing, curious and have a pleasant manner
- Experienced in front line service delivery (although not necessary to volunteer)
What is involved? The PiT count involves working in small teams to conduct a brief, anonymous survey with people who are experiencing homelessness. The shelter survey is conducted inside shelters and the outside count is conducted out-of-doors, walking around a specific area or neighborhood.
Volunteers sign up for one 3-hour shift, attend a two-hour training session in advance of the event, and must be 19 years of age or older to participate.
Thank you for your willingness to participate in the count. If you have any questions or concerns please contact Betty Leitch at firstname.lastname@example.com or call 250.386.2269.
We look forward to hearing from you.


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Pong Neon is a classic pong tennis game in a cool neon theme. No bodies, no paddles. Do you have what it takes to beat the AI? Choose if you want the game mode to be normal or hard. Serve the ball and use your paddle to hit it back. Much fun with Pong Neon!
Use the arrows keys to move your paddle from left to right.
Game Stats
1,302 viewsGame Tags
mobile, pingpong, pong, tabletennis, Tennis
Game Categories
1 votes, average: 5/5

subset: commoncrawl


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Is auditing,"Cain: the greatest of all accounting methods? Auditing is the examination and verification of a document for accuracy and relentlessly verifies the accuracy of the internal control around it.
With the recent nation-wide terrorist attack on the Moron Energy companies, how would you react if your accounts receivables and collection process typically five or six times weekly had actually been audited on a proactive basis?
For the sake of this discussion I would like to assume, but I won't make this a factual statement, that we have acceptable auditing process. We have practices that are measurable. There is some process scorecards that are compiled and may be very brutal, and therefore it is easy to determine if the process isutable. We are press insuring that we are being reviewed of all aspects of the process. Then, when there is an accuracy flaw that is discovered, we take corrective action. It is this alignment of process with accountability which we recommend as the key to success.
Through the audits, we have found that they are extremely beneficial to all parties. Although everybody wants their process scorecard and checking of their key performance indicators and overall operations as a whole to be rate of excellence, this is however not the case. Our partnering maintenance services extol the many benefits of auditing standards programs. It is not enough to have processes isolated and performed well. There must be a continuous "look-over" of the entire process.
It is the common perception that audits are just checking to make sure that compliance and accuracy are being met. This requires a constant look-over of all aspects of the fundamental function of the business. audits must be conducted when the compliance issue is discovered (at the beginning of the accounting cycle instead of the end of the cycle when complete enumeration of the issues has been completed so that policy has been adequately applied), and must have sufficient citizen representation to ensure adequate voice at all times and despite the possibility of reaction to audits with significant departures from the norm.
Now, the problem with the inherent problem lies with how a complete and efficient audit program is constructed.
- The Audit Program: In this this effort, the program will fall into one of two various directions. It can be a third party organization (such as a training corporation) "doing the legwork" to prepare the audit proposal. This auditing organization will have a carefully prepared audit process and skill acumen to conduct the process blind and from nothing but the words on a page. This is probably the most succinct and brutal of the auditing options. It often depresses the level of participation in the process. It is also the option with the least political savvy.
Or.. it can be a professional organization that has been given a team of well educated and experienced Review Analysts who have training in using the audit itself. They have the tools to check for consistency and efficiency before implementing their own expert set of tests designed to find and eradicate significant problems. This is a well-balanced, sophisticated process and a full service process.
These organizations should have the confidence, knowledge, and experience to be able to prepare themselves and their client's audit with a five-year plan for significant process improvement.
- The Audit Report: This will probably be a detailed document that includes a history of the problems found and major recommendations. This portion of the audit program is much like a celebration of "Parwaree!' The acrylic slides with a plethora of intricate green soft treesmm eventually being lead up to the slide that read in all capital letters, "This process is ineffective, inefficient and a waste of time and dollars and most importantly moisture, human and mechanical!"
What happens when the famous slide doesn't stop people from evil mess crews who have managed to "read the secret word" in this audit as the audit is conducted, it will lead them to important thoughts in the entire process and a motivated workforce. The payroll won't be happy with you.
This, of course, leads to a familiar story. Each organization now has an efficient major process for management of their processes. If there is a significant other effort ongoing, your major process will be not like it could have been, your future viability will be tied up in it. You as a business owner now have a new challenge. We all have a new challenge in public services. Are you really sitting back, back into your chair (not wearing a smile) with a smile on your face! Or are you applying your time, effort and resources in this new and Maybe pokerace99?
There is no way around it. Problems in management of business processes are not a local phenomenon. They are a nationwide and even global phenomenon.
- Quality Auditing: There is a second common miss perception that lies in the gaps in management or human resource maintenance and it is the same process as quality auditing i.e.: results in evaluations that are "


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Hey .. the recipe is really great ..I want also tell u I bought your book it's amazing thank u very much I am for the Middle east and those cake not known here ..please make another book u are so talent ..thank u
Chocolate Strawberry Fraisier Cake Recipe (video)
Chocolate and strawberries – a match made in heaven! This chocolate strawberry cheesecake is my version of the fraisier cake! It's made with rich chocolate cake using my Perfect Chocolate Cake Recipe, no-bake vanilla cheesecake dotted with fresh strawberries, and garnished with sliced strawberries. It's topped with a simple whipped cream and more strawberries! Can you think of a better strawberry cake?!
Watch My Video!
Watch my video recipe for step-by-step instructions! Want new recipe updates?? Make sure to subscribe to my YouTube channel! You'll get a notification every time a new recipe goes live!
The fluffiest No-Bake Cheesecake!
The no-bake vanilla strawberry cheesecake center in this fraisier cake is simply amazing! It's light, fluffy and packed full of juicy, fruity strawberries. I have a secret ingredient to make the cheesecake super fluffy – whole milk ricotta cheese! Mixing the lighter ricotta cheese with the denser cream cheese results in the most delicate cheesecake you'll ever have! I use ricotta cheese for my cheese cakes in my new cookbook, 'The European Cake Cookbook', a lot! I also add heavy cream to the filling, which makes it even lighter and fluffier!
The Chocolate Cake!
For the base and top of my strawberry fraisier cake, I used a reduced recipe of my 'Perfect Chocolate Cake'! The chocolate cake is super rich, moist yet fluffy, making it the perfect cake for this creation. I prepared 3/4 of the original recipe; I've included the measurements below to make it easy! Bake the batter in an 8-inch pan and let it cool completely. Once cooled, slice it in half to create two layers.
I used an 8-inch cake pan for my recipe, then added an acetate cake collar to add height to the pan. Otherwise, all the no bake cheesecake filling wouldn't fit. If you don't have a tall pan or an acetate cake collar, just prepare this recipe in a 9-inch pan!
How To Make A No-Bake Cheesecake
I love the look of fresh strawberries set into the sides of this fraisier cake! To set the cheesecake layer, I used regular gelatin. Make sure to dissolve the gelatin completely and add it into the cheesecake batter while it's still piping hot. This way, the gelatin will not clump. If you are looking for a vegan option, try using agar gelatin. The preparation will be slightly different. Combine just 1 tablespoon agar gelatin with 1/4 cup water in a small saucepan. Heat over medium heat for about 2 to 3 minutes, stirring constantly, until the consistency looks like applesauce. Do not let it cool, add the hot gelatin straight into the mixer and whisk right away.
- Whether you're using regular gelatin or agar, allow the strawberry cake to chill in the fridge for at least 6 hours, or leave it in overnight. You can garnish the top with whipped cream and strawberries right away or after it's set.
More Recipes!
Enjoyed this incredible strawberry cake recipe? Make sure to check out some of my other recipes you're sure to enjoy!
- Ultimate Strawberry Cheesecake – stunning berry cheesecake with diced strawberries and strawberry jam, topped with chocolate strawberries!
- No-Bake Strawberry Tiramisu Cake' – one of the best strawberry cakes! This berry cake is so light and fluffy!
- Strawberry Nutella Cheesecake' n – fluffy nutella cheesecake with loads of fresh strawberries!
- Strawberry Red Velvet Cheesecake – rich, red velvet cheesecake topped with strawberry mousse!
- Strawberries & Cream Swiss Roll Cake – the best-ever strawberry cake with delicate sponge cake, strawberries and mascarpone whipped cream filling!
Share it on Pinterest!
Need some supplies to make this recipe? You can get them here (Amazon affiliate links):
- I love this aluminum spring form pan for baking cakes and cheesecakes.
- I use a bulk roll of acetate cake collar – just cut it to size for each cake.
- The classic KitchenAid stand mixer is a must in every kitchen!
- And garnish the cake using these jumbo cake decorating tips.
Chocolate Strawberry Fraisier Cake Recipe (video)
For Chocolate Cake:
- 3/4 cup unsalted butter, softened
- 3/4 cup white granulated sugar
- 1 tsp vanilla extract
- 3 large eggs
- 3/4 cup milk
- 1 1/2 tbsp instant coffee powder
- 1 1/2 cups all-purpose flour
- 2 tbsp cocoa powder
- 1/4 tsp salt
- 3 tsp baking powder
- 1/3 cup semi-sweet chocolate chips, melted
For No-Bake Cheesecake:
- 8 oz cream cheese, softened
- 1 cup whole-milk ricotta cheese
- 1/2 cup sweetened condensed milk
- 2 tsp vanilla extract
- 1 cup confectioner's sugar
- 2 cups heavy cream, chilled
- 2 tbsp unflavored gelatin
- 1/4 cup water
- 2 cups diced strawberries
- 8 to 10 extra-large strawberries, halved
For Whipped Cream:
- 1 cup heavy cream, chilled
- 1/3 cup confectioner's sugar
- 1/2 tsp vanilla
- 1/2 cup strawberry preserves, for filling
- Prepare the chocolate cake first; this can be done even a few days in advance. Preheat the oven to 350F and line the bottom of an 8-inch pan with parchment paper (see my note above about using a larger pan).
- In a large mixing bowl, cream together the softened butter and sugar for a few minutes until light and fluffy. Then add in the eggs and vanilla extract. Mix again until creamy. Combine the milk and instant coffee, then heat until the coffee dissolves and milk is warm. Pour the milk into the batter.
- In a separate bowl, combine all the dry ingredients: flour, cocoa powder, salt and baking powder. Mix together, then sift into the cake batter to get rid of any clumps. Using a hand whisk, mix the flour into the batter just until combined. Be careful not to over-mix the batter! Gently fold in melted chocolate at the very end. Bake the batter in the prepared pan for 40 to 45 minutes, until a toothpick inserted into the center comes out clean. Allow the cake to cool completely, then level off the top and split the layer in half.
- Prepare the chocolate cake for filling. Spread 1/4 cup strawberry preserves onto each layer. Place one layer into the bottom of a spring form pan and line the sides with acetate. Arrange the large, sliced strawberries along the perimeter of the pan, with the open side facing out.
- For the cheesecake filling: place the softened cream cheese, ricotta cheese, sweetened condensed milk and vanilla into a large mixing bowl. Whisk on high speed for 3 to 4 minutes, scraping down the sides of the bowl often, until the mixture is creamy and clump free. Add the confectioner's sugar and heavy cream. Mix on low speed for a minute, then increase speed and whisk until mixture is fluffy, about 2 minutes on high speed.
- Next, prepare the gelatin (see my notes on using agar above). Combine the gelatin and 1/4 cup water in a small bowl and mix together well. Microwave for 45 seconds, stirring every 10 seconds, until the gelatin is completely dissolved. Do not allow the gelatin to cool; add it straight into the cheesecake filling and whisk right away on high speed. Scrape down the bowl to make sure it's all incorporated.
- Fold in the diced strawberries last, then pour the filling into the prepared spring form pan. Level off the top of the cheesecake, then place the second chocolate cake layer on top. Press it lightly in place. Refrigerate the cake for at least 6 hours, or leave it in the fridge overnight.
- When ready to serve, garnish with whipped cream and strawberries. For the whipped cream, place the chilled heavy cream, sugar and vanilla into a large mixing bowl. Whisk on high speed for 4 to 5 minutes, until stiff peaks form. Pipe onto the cake using a decorative tip; I used # 829.


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25 funny things to do at the office
Mon, 1st Aug 2011
FYI, this story is more than a year old
This is an email that has been circulating on the web for quite some time now. Different versions of it can be found posted across various websites and blogs and it never seems to get old!Next time you're bored at work, instead of wasting away the hours surfing the internet or daydreaming, try a few of these creative suggestions:
- Page yourself over the intercom. (Don't disguise your voice).
- Find out where your boss shops and buy exactly the same outfits. Always wear them one day after your boss does. (This is especially effective if your boss is a different gender than you are).
- Send email to the rest of the company telling them what you're doing. For example "If anyone needs me, I'll be in the bathroom."
- Put mosquito netting around your cubicle and play jungle songs all day long.
- Put a chair facing a printer, sit there all day and tell people you're waiting for your document.
- Insist that your e-mail address be "xena_ email@example.com"
- Every time someone asks you to do something, ask them if they want fries with that.
- Send an email to yourself engaging yourself in an intelligent debate about the direction of one of your company's products. Forward the mail to a co-worker and ask her to settle the disagreement.
- Encourage your colleagues to join you in a little synchronized chair dancing.
- Put your garbage can on your desk. Label it "IN."
- Develop an unnatural fear of staplers.
- Decorate your office with pictures of Cindy Brady and Danny Partridge. Try to pass them off as your children.
- Put decaf in the coffeemaker for 3 weeks. Once everyone has gotten over their caffeine addictions, switch to espresso.
- Compose all your e-mail in the form of a Haiku.
- Every time someone asks you to do something, ask them to sign a waiver.
- Photocopy things around the office, such as lamps, potted plants, staplers, etc. If someone asks about it, just say "You never can be too careful."
- Agree to organise the company Christmas party. Hold it at McDonald's Playland. Charge $15 each.
- When answering your phone, talk in a fake British accent.
- Take a picture of your boss and have it framed. Display it in a prominent location on your desk.
- Reply to everything someone says with "that's what YOU think."
- Practice making fax and modem noises.
- Highlight irrelevant information in scientific papers and "cc:" them to your boss.
- Staple papers in the middle of the page.
- Pretend to be hypnotized by someone's screen saver.


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Fiber Adapters/Couplers
Female to Male Fiber Optic Adapter
Fiber optic adapter, sometimes also called coupler, is a small device designed to terminate or link the fiber optic cables or fiber optic connectors between two fiber optic lines.
The LC-FC Hybrid Fiber Optic Adapter is a special style of fiber optic adapter that supports precision connection of different types of fiber optic connectors. It is specially designed to incorporate the Small Form Factor LC into FC configured environment. The compact design enables network operators to reduce cost via space-savings, and by eliminating hybrid cable assemblies.


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Share page |
The Cathedral 87
"What are you trembling for, little Diamond?" said the lady, as she walked gently along, with her hand held out behind her leading him, for there was not breadth enough for them to walk side by side.
"I am afraid of falling down there," answered Diamond. " It is so deep down."
"Yes, rather," answered North Wind; " but you were a hundred times higher a few minutes ago."
"Ah, yes, but somebody's arm was about me then," said Diamond, putting his little mouth to the beautiful cold hand that had a hold of his.
"What a dear little warm mouth you've got!" said North Wind. "It is a pity you should talk nonsense with it. Don't you know I have a hold of you?"
"Yes; but I'm walking on my own legs, and they might slip. I can't trust myself so well as your arms."
" But I have a hold of you, I tell you, foolish child."
"Yes, but somehow I can't feel comfortable."


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1 stop (13h55m)
1 stop (17h55m)
Air Baltic
1 stop (5h15m)
1 stop (4h40m)
1 stop (5h25m)
1 stop (10h)
Riga city centre | ||
Riga International Airport (RIX): 7 mi from city centre |
Capital of Latvia, Riga is a stunner and well worth a visit. Searching for cheap flights to Riga International Airport (RIX)? For the cheapest fares, stick to low cost airlines like airBaltic which departs from London Gatwick or Ryanair which departs from 5 UK airports.
Riga is becoming increasingly popular as a city break destination. The best time to plan a holiday in Riga is from June to September when the weather is warm, flight prices tend to rise then too. Winters tend to be very cold with little daylight.z
Direct flights to Riga take 2 hours 40 minutes from London.
Riga's German Art Nouveau architecture is some of the finest in the world. The city's old town and historical important attract many but what keeps them coming back is certainly the city's great nightlife and social scene.
Town Square: Many buildings in this area could be from Rome, Paris or Berlin. Don't miss the town hall, the House of Blackheads, the Statue of Roland and St. Peter's Church. The Porcelain Museum and the Museum of the Occupation of Latvia are noteworthy as well.
Central Market: Located right next to the train station, this is the best place to pick up souvenirs like amber or hand-knit woollen mittens. In the summer, fresh fruits and vegetables are in abundance and so tasty!
Freedom Monument: This is a national symbol of Latvia and an important stop while making a tour of Riga. It was erected during Latvia's first independence movement but was never taken down by the Soviets.
Find more information on Latvia.Travel.
There are at least a dozen backpackers and youth hostels in Riga offering plenty of choice for budget travellers. Mid-range hotels in Riga are mostly located in the old town area, perfect for city sightseeing and late nights out.
Want to get away before Christmas? Take off for Riga for only £55 December 9th to 16th onboard Wizz Air and Ryanair and celebrate the city's final weeks as European Capital of Culture.
Is it Easter Weekend already? Have you already stocked up on eggs for the festivities? From Latvia to Hungary and on to Greece, let's see how Europe celebrates Easter! In England, as in many other countries around the world, chocolate eggs are hidden in the gardens for children. There are hot cross buns and marshmallow … Continued
For the love of food and travel, check out these European foodie destinations that are both delicious with some serious food traditions and are easy on the budget.


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Thanks sg
Thanks sg
Damn, in my home sitting in my chair, and still that was hard to watch. That guy has to have nerves of Titanium.
My hands are sweaty just watching that.
Stupid is as Stupid does.
I agree with all three comments
my chest tightens just watching him – Damn, what if you sneeze or cough or anything, not like someone can just come get you – you could not call if you wanted to….
So Zion National Park allows him do that with no string attached?
Let's see if he makes it to age 35.
Free climbing leads to freefall.
Yes, sometime in the future someone will say at his funeral "He died doing what he loved".
But if it wasn't for people like him that push the envelope we wouldn't be sitting here in front of our computers with our chin resting on one palm making lame comments.
I guess John Glenn, Buzz Aldrin and all the rest through history are all stupid too.
Some people have different views of what "living" means.
Strong people do shit. Weak people find ways to criticize.
Well said!
"Strong people do shit. Weak people find ways to criticize."
That's one I need to remember 🙂
Comments are closed.


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The Vorsis M1 Microphone Processor
[May 2010] Choosing a microphone for studio use is only half the battle, according to John Lackness. It is equally important to have a good microphone processor. John says he has found one.
I would like to discuss my choice to make a good microphone really punch through on the air – the Vorsis M1.
The Vorsis M-1 Microphone Processor
For many years, Symtetrix 528e was almost the de facto microphone processor, used in virtually every radio station – you really would see them everywhere. But, times change, and so did I. As my choice in microphones changed, I felt like I missing out on something and researched for quite a long time for a new microphone to put in my studio.
This is where the folks at Wheatstone come into the picture. They got into the processing business a few years ago by obtaining some of the best processing engineers in the country. After speaking with them several times and trying out the processor at shows and other venues over the last year or so, I decided to at least give it a shot. So, I bit the bullet and got one.
Flexible Yet Straightforward
The Vorsis M1 is a single rack-space processor and I found it to be, as the manual describes, "a flexible and easy to use digital microphone processor offering user presets, security, networkability, an all digital DSP based framework and easy to set up parameters."
A good place to start is by taking a look at the block diagram.
As you can see, the processor is laid out in a logical manner.
The front panel controls may look a bit confusing at first but are pretty easy to deal with once you set it to some of the default settings – which, by the way, can be also done by utilizing the included Vorsis M1 software.
So, you can either set things up manually like I did, or do it remotely via a laptop or PC. The nice thing about utilizing the included software is that you can give your air talent the ability to select presets that have been setup, but will not allow them to mess with the parameters.
Among the features of the M1 are Analog and AES I/O, phantom power, remote control and Ethernet are available via separate RJ45 connectors. A row of seven dipswitches on the back also helps select phantom power on/off as well as sample rate.
Setup of the M1 was pretty straightforward. I did the unusual thing of taking the positions shown in the photos and using this as a starting point. Not necessarily very logical, I know, but I admit curiosity got the best of me.
Luckily, I only had to adjust the expander and compressor a bit to get things where I wanted them. I am especially happy with the expander, which gave me a really clean "gate" once I quit talking. No choppiness at all, it was just smooth. And the overall sound of the processor is very, very clean.
The Voris M1 made a believer out of me, and I am glad that I chose it. I look forward to many years of great use!
– – –
Based in San Antonio, Texas, John Lackness is the Southwest representative for SCMS, Inc. If you have questions, contact John at his office at 877-390-7267 or email him at email@example.com
– – –
Are articles like this helpful to you? If so, you are invited to sign up for the one-time-a-week.BDR Newsletter.
It takes only 30 seconds by clicking here.
– – –


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+351 224 227 900
Getting to the county of Valongo is easy. If you arrive at the airport Francisco Sá Carneiro or the port of Leixões (Matosinhos) you can, in these places, enter the Metro and go to Porto. Then, in the centre of this city, you just have to take a public transport that brings you to the municipality of Valongo. There are road lines to all the localities in the municipality. There are also regular transports between Matosinhos and the municipality of Valongo.
By train, in the Minho line, you can get off at Ermesinde station, and, in the Douro line, disembark in Valongo. You can also get off at the Palmilheira and Travagem stops, in Ermesinde, Cabeda in Alfena, Susão in Valongo and S. Martinho in Campo. Taking a taxi or renting a car can also be an alternative. If you come in your own vehicle by the coast, access through the A3, A4, or A41. If you come from the interior, access through the A4, A41 and A42. When you arrive in Valongo, take a seat in one of our hotels. Valongo and its people thank you for your visit!
Available soon...
p1 green > |
This course is intended for practitioners in initiation, without experience and with little physical resistance. The type of route for this type of user has to be rolling, with hard or asphalt floor and no obstacles, so the green route develops on the right bank of the Ferreira river, passing the village of Couce. Near the bridge of the river Ferreira in Couce, it continues on the right bank of the river until it reaches the stone (Marco) which mentions the area of the Paleological Park. The route returns to the starting point using mostly the same path, which offers safe conditions to transit in the directions.
Distance: 10,8 km
Time: 1h to 1h30
Climbing: 200 m
p2 blue > |
This course is intended for practitioners with little experience, little technique and normal physical stamina in which the floor has to be firm or stable. This course goes along with the green course, following on the right bank of the Ferreira River until it goes around the Serra de Santa Justa on the south side. It then continues north on roads and trails that go mostly to the level until it descends again to the urban center of Valongo, thus reaching the start / end point.
Distance: 14,5 km
Time: 1h30 to 2h30
Climbing: 446 m
p3 red > |
It is a course directed to practitioners with experience, with good technical ability and good physical resistance, where the floor is very variable and there are many technical passages. The red trail leaves the mountain bike center together with the green and A blue trail, goes along trails beside the Ferreira river and then goes around the Santa Justa mountain range on the south side and starts to climb up to the geodesic mark at 369 m altitude. From here it starts to descend through: Santa Justa chapel, former sanatorium and Srª do Chão chapel. Then it crosses Valongo to the North, passes the chapel of São Bartolomeu, and then goes up to the Quintarei geodesic landmark. It descends again until it meets the B blue trail and crosses the whole valley. It separates from this one to the south of Sobrado to go up to the top of Borbulhão and then down to Valongo. It crosses the urban centre until it reaches the beginning / end point.
Distance: 30,7 km
Time: 3h to 4h
Climbing: 904 m
p4 blue > |
This course is intended for practitioners with little experience, little technique and normal physical stamina in which the floor has to be firm or stable. This course starts at the second entrance of the Valongo MTB Center in Sobrado, near the Indoor Soccer pavilion. It runs through the north-western part of the Sobrado, between cultivation areas and mostly through forest areas. It follows mostly dirt roads that are almost always at the same level, going down slightly in the extreme north and then back up. It returns to the Sobrado from the west, entering the urban area from the south, thus returning to the starting point.
Distance: 12,5 km
Time: 1h30 to 2h00
Climbing: 335 m
p5 red > |
This course is aimed at experienced practitioners, with good technical ability and good physical resistance, where the floor is very variable and there are many technical passages. This trail starts in Sobrado and goes along with the blue course. In the most northeastern part of the blue trail, the red trail separates and goes up to the Quintarei geodesic mark. Following the top of Saldanha, with a view over Valongo, it goes up to the top of Borbulhão and from here down to Valongo. Passing in the urban center and near the entrance door. From here you follow paths and trails by the Ferreira river, you will cross the bridge over the Ferreira river in Couce and go up to the Pias hills. From this point you will descend and continue towards Sobrado, passing by the church of São Martinho do Campo and the Roman bridge over the Ferreira river and then you will continue towards Quinta das Arcas. Reversing to the north, the trail passes still in the Parish Church of Sobrado before reaching the final point together with the blue trail.
Distance: 35,6 km
Time: 2h to 3h
Climbing: 1060 m
p6 black > |
This course is recommended for practitioners with a lot of experience and high physical stamina, very technical course and with all kinds of trails. The black trail leaves the MTB Center to the west, passing over the Ferreira river where you can see the Arcos aqueduct. It passes behind the quarry where the slates of Valongo are produced, to go up a bit to the Serra de Pias and down towards Sobrado. Passing by the church of São Martinho do Campo and the Roman bridge over the Ferreira river, you continue towards the farm of Arcas. Turning north you will cross the A41 and A42, entering forest areas. It crosses the A42 again and then joins the red B and blue B routes. Climb to the top of Quintarei, follow the Alto do Saldanha and at the top of Borbulhão descends to the urban area of Valongo. Passing near the mountain bike center and joining the green, blue A and red A courses, it now starts the loop through the Santa Justa mountain range. Here it passes by the geodesic mark (369 m), the chapel of Santa Justa, and then descends to the urban center of Valongo, arriving this way to the Mountain Bike Center.
Distance: 49 km
Time: 3h to 4h
Climbing: 1405 m


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Well, I'm going to do my part to help the economy. We got home from the state fair and the air conditioner had quit. The A/C unit has issues that are being repaired. Now, we are waiting on parts to get it fixed. I would imagine that it was just flat wore out from April to September being 110. The roof is going to have to be replaced after the hail storm a week ago. The dryer quit on Sunday. I love spending money on unexpected stuff like that.
If you have ever been to our little piece of paradise, then you aware that our county district doesn't believe in using gyp rock, but instead uses 4 1/2″ jagged edge boulders. As a result of this, I buy a lot of tires. K&S tire is going to like me this week. I took a tire off the power ranger this morning which probably can't be fixed. I am also going to have to replace two tires on one of my trailers.
Anybody that wants a job in this part of the world, has a job. I had to replace a parts guy this past month. I could write a book about the parts guy that we don't have anymore. I don't know where he is now, but I hope he didn't get scalped. Got lucky and found a new one with a strong ag background. I need to hire several service techs, but with the oilfield being very active, that is hard to do. We have lost 4 mechanics this summer to the oilfield. I have been running ads in various newspapers in 3 different states for the past three weeks. I have even resorted to calling mechanics at other dealers, oilfield and auto mechanics. All that I have accomplished is gotten those guys raises and better benefits at their current jobs. We are a better economic stimulus package than what your president came up with.
Time to get out of the house. Got an auction to attend and parts to deliver. Then end up back home tonight and try to get goats ready for the Duke's Up sale, which will generate some cash for Milligan Web Designs.


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Republic of Kazakhstan v World Wide Minerals Ltd 2020 EWHC 3068 Comm - 23 November 2020
This is the hearing of a challenge by the claimant ("TRK") under s.68 of the Arbitration Act 1996 ("AA") to an award entitled "Final Award on Merits" ("Award") founded on an assertion by TRK that the Tribunal awarded damages to the defendants by reference to an argument that the defendants had not advanced during the hearing or prior written procedure leading to the Award and in respect of which it did not have any or any fair opportunity to respond. TRK maintains that by acting in this manner the Tribunal breached its duty under AA, s.33 resulting in a serious irregularity within the meaning of AA, s.68(2)(a).
Most of the relevant background is not in dispute. The first defendant is a publicly traded Canadian corporation whose primary business was to identify and demonstrate the viability of natural resource deposits, and the second defendant was at all material times a director of the first defendant and its President and Chief Executive Officer (together, "WWM" or "the defendants"). The arbitration with which this claim is concerned ("Arbitration") was a London arbitration instituted by a reference by WWM made pursuant to a bilateral investment treaty concluded between Canada and the USSR in 1989 ("BIT").


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Photo credit: Jean Wimmerlin
It's a good day when grace catches on…
By 2018, CNN's Kirsten Powers felt increasingly sick with anxiety and stress from the polarized climate in the United States. Her daily job as a political analyst had her swimming in the divisiveness and arguing for hours on Twitter.
She reached a point of unwellness and realized she had to have grace for herself, and grace for others– or no one would get well. This may be a good book for you, if you find yourself at a holiday get-together or work lunch table and sitting with people whose opinions you passionately oppose.
Seems to be the hardest when it's a blood relative we are politely close to. Or daily coworker. Or even harder: when it's a supervisor or parent, romantic partner, or maybe even child.
Powers explores in her new book Saving Grace how to simultaneously hold your values and hold space for the whole humanity of another person. And… how to recognize your "no's" and your "yes's", when to act, when to remain silent, and when to draw a boundary. Most importantly—she covers how to draw it: with grace.


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A Great Way to Lose Weight Is Not Getting Out of Bed All Weekend?
This pretty much sounds like the American dream: A new study found that having the LAZIEST POSSIBLE WEEKEND is the key to losing weight.
Researchers found that people who spent the weekend catching up on sleep had lower BMIs than people who woke up at their normal time and actually did stuff on the weekends.
And the MORE time people spent sleeping on weekends, the lower their BMIs were.
Originally posted on June 20th, 2017


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This is a repeat for those who follow
oldgreymare on Instagram.
Not yet following?
I'm still tucking in greens, adding lights,
just poking along at my leisure.
It really is the easiest and simplest
way to decorate.
See the last photo for my garage system.
Long long long before Home Edit I have
shown folks how to organize,
and without having to spend $$$$$$
on fancy containers.Though they do look
pretty if you can afford.


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Refrigerators - Freezers | Ultra Low
REFINE:ALT carries the most diverse inventory of used refrigerators and freezers for all your laboratory needs. Laboratory refrigerators are used to store medical or pharmaceutical supplies of any kind for long-term storage and stability. They are intended for chromatography supplies, blood storage, vaccines which can cool samples or specimens for preservation. Refurbished laboratory freezers on the other hand, are intended for chromatography supplies, vaccines, biochemicals and enzymes. Due to the support and endurance laboratory freezers produce, it minimizes bacterial contamination and explosions of volatile materials. We carry used laboratory refrigerators and freezers from leading manufactures including Fisher Scientific, VWR, General Electric and Forma Scientific to name a few. All our used lab equipment is fully tested and serviced prior to shipping and comes with our industry leading 90-day warranty and lifetime support.


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We believe that everything we do as a worship team should reflect the mission of Central: Leading others to discover and fully own their faith in Jesus Christ. As such, the heart of Central's worship team is to glorify God and serve His church by leading people to encounter Jesus through worship.
There are many opportunities to volunteer on our worship team! If you are an experienced musician or singer, click the "Find Out More" button below. Follow us on Instagram @CentralMusicAZ.


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Healthcare IT Support: Transforming The World Of Medicine
Healthcare IT support makes way to technological advancements. They open a lot of opportunities to improve the execution of dental and medical services around the globe. Moreover, healthcare providers have a lot on their plates. For this reason, IT support will be the best option for them to improve their efficiency and productivity. Healthcare IT support is all over the place. For example, you can check their services at https://urbanit.com.au and find out the extent of how they can transform the world of medicine.
Healthcare IT support makes way to technological advancements. They open a lot of opportunities to improve the execution of dental and medical services around the globe. Moreover, healthcare providers have a lot on their plates. For this reason, IT support will be the best option for them to improve their efficiency and productivity. Healthcare IT support is all over the place. For example, you can check their services at https://urbanit.com.au and find out the extent of how they can transform the world of medicine.
Healthcare IT support
Technology has numerous impacts in several industries, such as healthcare IT support. The evolution from systems to actual practices is entirely astonishing. The individuals in the actual field witnessed how these changes created a big difference in their jobs.
We will never know exactly how it feels to work inside an industry unless we operate with them. Healthcare providers are one of the busiest industries in the field. For this reason, technological advancements are essential for them in so many ways.
Through technology, providing healthcare has never been the same. Up until today, technological improvements are still ongoing. It has dramatically reduced manual operations and tasks. As a result, medical providers can focus elsewhere or reduced working time for a particular job.
IT support provides cloud services over the internet or dedicated network, which ranges widely in applications. For example, it can cover developing platforms, servers, storage, and also virtual desktops. As a result, they offer faster innovation, the flexibility of resources, and even economies of scale.
Empowered technologically
The healthcare industry is one of the scopes of technological empowerment. Cloud services and automation drove it to an immense evolution over the years. Here are a few of the applications that changed how everything circulates in this industry.
- Health records: Paperworks add up to the numerous tasks medical providers have. Filling out forms to filing the documents takes so much time. However, through the support of technology, patient care has enormously taken a more significant step forward. In general, it eases accessibility, environment-friendly, less space consumption, and reduced errors.
- Improved treatment: The healthcare systems are far way different from the past. Patients became more personally engaged in their treatments through the use of medical devices. As a result, treatment applications have become more precise in addressing the patient's condition.
- Virtual healthcare: One of the best advancements is the improved communication between healthcare providers, medical clinics, and patients. Patients can now remotely access healthcare services even at such a distance.
- Surgical technological advancements: Technology plays an important role now in surgical procedures. It contributes prominently to achieving accurate results. It covers pre-operative planning until monitoring the progress of the surgery afterward.
- Artificial intelligence: Technology continuously develops machines that can perform human-like tasks. Possibilities in transforming medical treatment are continually opening up.
Health services are far from the usual decades ago. As can be seen, it never stops improving. Advancements are continuously taking their place in the medical industry. However, there are challenges that healthcare IT support has to overcome.
Typical IT challenges
Any technological improvement can face challenges. These challenges make it more open to further progress. See them below.
- Patient satisfaction: The patient's expectations increase over time. One of these expectations is being able to interact anytime or anywhere.
- Compliance: Upgrading is one of the permanent responsibilities of IT support services. They have to update to comply with the most current rules.
- Costs: You can guarantee that IT support systems have high cost and maintenance requirements. Funding is a real deal.
- Performance and integration: Equipment and software should be in sync with each other. The primary considerations are performance and integration.
- Security: Data breach or data loss should not make space in your systems. Tests, fail-proof backup, restoration, and disaster recovery strategy should all be intact.
Improvement is continuous. It doesn't stop the moment you already applied it. Applying technology in the actual field is where the real work starts. IT providers should always take preventive measures. In general, their work has broad coverage in practice.
Technological patient care
Technology creates remarkable improvements in healthcare efficiency, quality, safety, and cost. But then again, risks can still occur due to potential errors and adverse situations. The following aspects can hinder the success of applying technology to healthcare industries.
- Poor technology design – lacks human factors and ergonomic principles.
- Poor technology interface.
- Deficient implementation plan.
- Insufficient maintenance plan.
Technology may help, but it comes with several risks as well. The welfare of patients should not become out of control. Their safety and health conditions should be the utmost priority at any cost.
The medical field is quite enormous. Medical providers tend to experience errors out of stress and complex situations. For these reasons, it would be best for medical providers to incorporate the following aspects.
- Medical providers should foster meaningful work.
- An improvement in workplace partnerships will also be beneficial.
- Expansion of the workforce is also essential.
- A collaboration with other providers can open potential gains as well.
- Medical providers can even build societal support to improve people's well-being.
Investing in IT support
Technological support has its benefits and drawbacks. However, if you look into the bigger picture, we can say that we are more on the right side. With the increasing population and changing needs of patients, medical providers need this advanced support.
Improvement is necessary to manage service pace. Additionally, this option allows healthcare personnel to trim down tasks. As a result, they can focus more on their crucial responsibilities. Aside from that, healthcare personnel will lessen their daily stress and can work more efficiently.
IT support covers those repetitive tasks. Moreover, it lessens the errors due to the need to perform tasks simultaneously.
Bottom line
Technology is excellent in different ways. How it creates changes to our lifestyle and everyday tasks is significant. Furthermore, no matter how small the application is, you can notice its massive effects.
Generally speaking, we can say that technological advancement is now an essential factor to us. Whatever the industry we are in, technology is always a permanent resident.
- Published On : 3 years ago on February 27, 2021
- Author By : och2202
- Last Updated : February 24, 2021 @ 3:39 am
- In The Categories Of : Health Care
- Tagged With : healthcare IT support, IT support
Sleep Apnea: Doctors And Medical Treatments Available
How To Work Night Shift And Stay Healthy In All Aspects?


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Tag: Griffin Home Health
Griffin Home Health goes state-of-the-art
December 11, 2015HME News Staff
CHARLOTTE - Griffin Home Health Care is relocating to a new state-of-the-art showroom in the Greylyn Office Park, four miles from its current location. The provider's office and warehouse will also be located there. "(The new location) will provide support for all branch locations to better serve patients and customers," Griffin Home Health stated in a press release. A full-line provider of HME founded in 1983, Griffin Home Health serves the 16-county region in and around the Charlotte...


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While you've probably heard of yoga classes or even attended a few, you might not be as familiar with hot yoga. Hot yoga is a comparatively new type of workout that provides many of the same benefits as traditional yoga – plus a few more – when it's performed properly. Continue reading
Permanent link to this article: https://yogacorefit.com/health-benefits-of-hot-yoga/
Permanent link to this article: https://yogacorefit.com/perfecting-muscle-tone-with-ballet-barre/
Nov 15
Finding Back Relief with Flying Yoga
Whether they suffer from occasional or chronic back pain, sufferers are often desperate to find relief from their discomfort. While conventional wisdom used to be that people who have back pain should lie down and rest until their discomfort subsided, that's not the prevalent belief any longer in many cases. Today, people are often advised to rest a sore back for a few days at the most before they return to their usual daily activities.
Instead of having to force yourself to get out of bed when you have back pain, why don't you take a proactive approach and sign up for yoga classes? If traditional yoga is too strenuous for you, you might want to register to flying yoga instead. Continue reading
Permanent link to this article: https://yogacorefit.com/finding-back-relief-with-flying-yoga/
Permanent link to this article: https://yogacorefit.com/is-barre-just-for-dancers/
Oct 15
Celebrate Your Birthday In Style with Yoga Core Fit
It's that time of year, when those closest to you want to celebrate another year of you and your life. Birthdays, no matter how you may personally feel about growing another year older, are an occasion that deserves celebration. The challenge is in finding a way to celebrate your own personal holiday without falling prey to the same stale, cliché style of birthday celebration.
Permanent link to this article: https://yogacorefit.com/celebrate-your-birthday-in-style-with-yoga-core-fit/
Oct 01
Is There Really a Difference Between Yoga and Meditation?
Many of us have adapted an on the go lifestyle that constantly keeps us plugged in and in a state that can be described as hyper-charged. The effects of putting our bodies through that type of constant stress are going to show eventually, manifesting in the form of anxiety, depression, fatigue, and even chronic illness. It's important for your health to take time to step away from the fast lane and recharge.
Permanent link to this article: https://yogacorefit.com/is-there-really-a-difference-between-yoga-and-meditation/
Sep 15
3 Reasons Why Yoga Is Exactly What Your Wedding Party Needs
Let's be completely honest for a minute. You're excited about your upcoming wedding day and spending the rest of your days with the love of your life, but the weeks and days leading up to the wedding can be stressful (to say the least) for both you and your wedding party. While you've been making all the plans for your big day, yoga probably hasn't been high on your list – but it should be.
There are plenty of great benefits of yoga for you and your wedding party. This could be why yoga has become the trendy new theme for bridal showers and pre-big day get togethers for the wedding party. Instead of doing the usual bridal shower gig, why not try something new that will calm all those pre-wedding nerves at the same time. Here are just a few of the reasons why your wedding party needs a little yoga escape.
Time to Bond
The people you ask to be in your wedding are those who are nearest and dearest to your heart. No matter how close you are, wedding day stress can put some temporary strain on those relationships and leave everyone a little frazzled. A wedding party yoga event can calm everyone's nerves, ease stress, and allow you some much needed pure, blissful bonding time with your favorite people before the big day.
Live In the Moment
Those days before the wedding are all about looking forward to the future. When so much of your energy is focused on the future, it can be hard to calm yourself down enough to enjoy the special moments taking place with your bridal party.
Yoga encourages you to stop, slow down, and focus on the present. You have a lifetime ahead of you, but this moment will only happen once and it's happening before your eyes. Getting together for yoga with your bridal party can help you all live in, and appreciate, this moment in time.
Permanent link to this article: https://yogacorefit.com/3-reasons-why-yoga-is-exactly-what-your-wedding-party-needs/
Sep 01
5 Easy Yoga Poses Every Beginner Should Master
Every person that has ever walked into a beginner yoga class for the first time has experienced the same thing. Rather than focusing on their body and their own movements, they spend time glancing around the room, hoping to see that the position they've found themselves in is at least somewhat close to what other people are doing. With so much distraction, it can be hard to really focus in on what you're doing and reap the many benefits that yoga has to offer.
Permanent link to this article: https://yogacorefit.com/5-easy-yoga-poses-every-beginner-should-master/
Aug 15
Why Massage Therapy Is One of the Best Ways to De-stress and Recharge
Stress is an unavoidable part of life. While there are times that a low level of stress can be good for you, most of us would rather live with a little less of it in our lives. Stress can come from many sources, and it isn't always possible to completely remove some of them. What you can do is learn how to better cope with stress so that it doesn't carry over into the other parts of your life – including your health.
Each person needs to find their own way to de-stress, so that the negative effects don't begin to intrude upon their daily life. Massage is a great way to relax, unwind, and allow the stress to roll right off your shoulders. Here are just a few of the ways that a professional massage can kick stress to the curb and leave you feeling like an entirely new person.
Permanent link to this article: https://yogacorefit.com/why-massage-therapy-is-one-of-the-best-ways-to-de-stress-and-recharge/
Permanent link to this article: https://yogacorefit.com/barre-fitness-what-it-is-why-its-so-good-for-your-body/


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burdan takip edebilirsiniz sorularınızı yazıp cevaplicam
This is a sample guest message. Register a free account today to become a member! Once signed in, you'll be able to participate on this site by adding your own topics and posts, as well as connect with other members through your own private inbox!


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Photos of the 2011 No Pants Subway Ride
The 2011 Toronto No Pants Subway Ride took place Sunday afternoon, much to the delight and horror of TTC riders across the system (little did they know, the really scary thing would happen today). Organized by Improv in Toronto, this was the fourth edition of the vent, which, judging by the photos, looks like it had even better attendance than in years past.
Participants gathered at Queen's Park at 3 p.m. before heading over to Museum Station where they entered the subway system fully clothed. After boarding trains in smaller groups, the pants eventually came off. But rather than advertise the oddity of their optional clothing choice, the pant-less were given the following instructions: "Act you normally would. You do not know any of the other pantless riders. If questioned, tell folks that you forgot to wear pants and yes you are a little cold. Insist that it is a coincidence that others also forgot their pants. Be nice and friendly and normal."
Improv, indeed. Here's how it went down. Lead photo by Henry Chan.
. Also by Henry Chan.
Photo by Alan Young.
Photo by vitaminwater canada
Also by vitaminwater canada.
And one more from vitaminwater canada.
Photo by WongaPonga.
Also by WongaPonga.
Photo by Shaun Osborne.
Join the conversation Load comments


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The increased emphasis on effective learning for conference participants means that proposal reviewers will be looking much more closely at certain elements in each proposal. All these elements will be required for proposal submission; reviewers will be rating proposals on how well these elements connect with and contribute to learning value for audiences.
The elements of a successful proposal include:
To ensure an effective learning experience for conference-goers, it is critical you first identify the target audience for your topic. Generally, sessions and workshops which clearly target audiences, tightly focus on a topic, and actively engage participants are those most likely to be selected. Such opportunities, when executed well, also tend to receive higher participant evaluations.
As you are designing your proposal, keep adult learning principles and practices in mind. Conference participants are successful actuarial professionals and expect session and workshop content that is highly relevant and practical. Making the link between any theory/research, the topic, and application to daily work is important. Regardless of how many years they have been in the field, participants will bring their own experience to your session or workshop and will expect you to honor and engage that experience.
The seminar attracts a wide variety of professionals in this and related fields; most can be grouped according to primary areas of expertise and roles. The goal of the seminar planning committee is to provide an overall balance of sessions and workshops at the conference in which each of our target audiences will find value.
During the proposal submission process, you will be asked to identify to which of the following target audiences your content is directed. Please keep in mind that the roles outlined below may include professionals both within and from outside the U.S.
Area of Expertise | Target Audience Roles Include |
Actuaries |
Commercial lines, personal lines, other property casualty, workers comp, loss reserving, pricing, reinsurance, ERM, CAS/CIA/SOA fellows, CAS/CIA/SOA associates, international; other individual professionals |
Non-actuarial professionals |
Regulators, data scientists, underwriters/brokers, predictive modelers, recruiters, claims adjusters, product managers, statisticians, general management, finance |
College/university |
Faculty teaching actuarial science, math, statistics; actuarial students/candidates |
General professional interest |
Anyone else attending the conference working in or with an interest in the field; of interest to more than one of the primary target audiences noted above |
Level of audience content knowledge
Targeting your audience includes defining the level of audience experience in the topic area to which your content is directed. Seminar sessions are divided into three primary experience levels that apply across all target audience groups. You will select one level of content knowledge during the proposal submission process.
Level 1: No prior knowledge of the subject matter. Little or no technical content. (0-3 years' topic experience)
Level 2: General knowledge of the subject matter. Moderate technical content. (4-9 years' topic experience)
Level 3: Working knowledge of the subject matter. Moderate to highly technical content. (10+ years' topic experience)
To ensure a balance of learning opportunities based on effective adult learning principles and practices, seminar learning opportunities will consist of two basic formats, within which will be a number of learning approaches. As you prepare your proposal, think about what type of content you wish to share and how you will deliver it. The new proposal submission process requires you to choose one format and one learning approach.
Conference Formats
Conference Format | Description |
General sessions |
General session topics appeal generally to the profession and are typically 75-90 minutes long. No other sessions are offered during the general sessions to encourage everyone to attend. The second general sessions may be held concurrently with another general session and cover topics appealing to very different audiences. |
Concurrent sessions |
Standard concurrent sessions of 75 minutes in length, targeted yet open to all participants, with audience sizes ranging generally from 25-200. Plan a session with good coverage of fewer topics rather than limited coverage of many topics. 60-75 concurrent sessions are generally offered during the seminar. Some will be accepted through the Call for Presentations; Other sessions will be generated and staffed by the seminar planning committee. |
Workshops |
Workshops feature a participant-centered and highly interactive approach. These learning events should focus on skill-building and provide ample opportunity for participants to practice. When designing the workshop and its learning approaches, plan to build in direct application to the participant's job and consider what "take-aways" will be immediately applicable upon return to the office. Workshops may be offered in three or six hour time blocks (half day or full day). The total number accepted depends on the number of other concurrent sessions, the topic proposed, and the schedule. |
Once you have selected a conference format and content focus area, you will be required to choose one of the following learning approaches. This choice allows you to focus your program at a deeper level of learning within the content area you've selected. Regardless of format, focus area, or learning approach, every proposal must include a description of how session participants will be able to immediately apply what is learned to their own work environments.
The seminar planning committee will select conference sessions to include a variety of approaches as described below. Design your proposal with one of these in mind.
Learning Approach | Description |
Core Topic |
The nuts and bolts of the actuary field – topics that make up the "backbone" of the field. Sessions in this category will be of interest to both new practitioners and experienced practitioners wanting a refresher or who have changed roles. |
Hot Topic |
The things everyone in the profession is talking about. Everyone wants to discuss, learn about, and figure out how to apply the content in their own environments. |
Innovation |
A new application of, or a new spin on, a familiar subject; a core topic with fresh perspective; or totally new ideas gaining ground in actuarial science. What do they mean short- and/or long-term for the field? |
Trends |
These sessions will exemplify the most advanced thinking about the profession and its environment. A big part of these sessions will be trend application; that is, how will these trends likely impact those who work in the field and their organizations? |
Experienced/ |
The content of these sessions should challenge and stimulate participants, and should be strategic in focus. The sessions should be highly interactive and rely less on slides and lecture so as to incorporate topic-related participant experiences. Depth of topic is more important than number of topics covered in a single session. |
Case Study |
A first-person account of a project, initiative, or program from initial idea to end result. Proposals should detail the process, including what worked, what didn't work, and lessons learned. A key aspect of this approach is showing session participants how the content can be applied in their own workplaces. |


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How to find the best gas and electricity deals
Shopping around for the best energy deals is well worth the time and effort - here's how to go about it
If you have never switched your gas and electricity supplier, or you have come to the end of a fixed-rate deal, then shop around for a new tariff now – you could save hundreds of pounds by switching away from a default or standard variable tariff, which is likely to be more expensive.
When is the best time to switch?
Make sure you have switched to a cheaper deal before winter sets in. That way, your energy will cost less when you're using more heating and lighting.
If you are on a fixed-rate tariff, you can switch within 49 days of your contract ending without paying an exit fee. Your supplier should send you a reminder, but also note the date in your diary. It takes 21 days to switch, so don't wait until your contract ends.
Most suppliers have been slow to embrace events such as Black Friday, but you can find a few deals. E.ON ran offers on Black Friday last year, which included up to £1,000 off solar panels and up to £150 off its boilers.
Another good time to switch suppliers is when your circumstances change: when you move house, start working from home, retire, or your children move out.
(MORE: How to switch supplier)
How can I avoid price hikes?
Ofgem, the energy regulator, sets the energy price cap – the maximum that suppliers can charge per unit of gas or electricity used – every six months.
The cap fluctuates to reflect underlying costs in the energy market. If you are on a standard variable rate, your energy bills will be affected.
Ofgem bases the cap on a typical customer using dual-fuel energy and paying by Direct Debit. A cap of £1,138 was announced in February 2021 – a rise of £96 – and came into effect in April 2021.
Look out for news of energy price cap changes in February and August on The Money Edit. You will have two months to switch before suppliers pass on any price hikes.
Where should I search for deals?
Price comparison sites are the most popular way to switch – but always check tariffs on more than one website. They sometimes offer exclusive deals – though since energy prices have been rising, these are thin on the ground.
But could you find a cheaper tariff by going direct to the supplier's website?
Ofgem's accredited price comparison websites offer deals calculated in an unbiased way, so you should see all the tariffs available.
Stephen Murray, energy expert at MoneySuperMarket, explains: "All open market tariffs are visible on our wider market view, providing customers with visibility of all available tariffs at all times.
"Not all of these will always be switchable on MoneySuperMarket, so the customer may choose to go to the supplier to get some tariffs. However, suppliers will not have cheaper tariffs than those visible on our site."
If you prefer to go to the supplier direct, either online or by phone, then do your homework first. Read The Money Edit's features on gas and electricity best deals, and the UK's gas and electricity suppliers ranked for customer service.
If you have no time to search for deals, auto-switching services will compare prices for you, switch to a new tariff, and switch again when your deal ends. It means you will never pay for a pricier default tariff because you forget to switch.
You can find paid-for services, such as Flipper (£30 a year) and Switchd (monthly plans for £1.99, £3.49 and £4.99) that search the whole market. Switchd also offers a free service with more limited searches, as do Look After My Bills and Switchcraft.
Look After My Bills Newsletter
Get the best money-saving tips, tricks and deals sent straight to your inbox every week. Make sense of your money in partnership with The Money Edit.
Hannah is a freelance financial journalist. She has written on topics including consumer rights, personal finance, homes and property for magazines, newspapers and websites including DIYgarden.co.uk, Ocean Finance, Moneywise, and The Daily Telegraph. In her spare time, she grows her own veg, plays bridge and looks at ways to save money on her household bills.


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Benefits That Counted When I Least Expected
By: Bill Bayonne, NJ
Contributing: Jen Taylor, TX
I have had access to benefits through my employers for the first 10 years of my career. I have always participated in health, dental and life offered by my employer. My family has been blessed with good health. I decided after years of working for a company to be my own boss. I was always successful and saw an opportunity to more than triple my income and wanted to take advantage.
I was very excited about this opportunity and was focused on building my business and worked tirelessly to make my company successful. I participated in my ex-employer's plan through COBRA. All was going well; I had started my business and it was doing better than I even expected and felt like I was on top of the world. The benefits I was utilizing through my ex-employer expired, so I went to the marketplace in search of something comparable. I am a college educated accountant and have always had health insurance. I was confident I could make a good decision for my family.
The prices were much more than I thought, and the benefits were confusing. The "best" plan I could find was over $1,000 a month more and ALL my benefits went through the deductible, how is this the best. There was a $600 deductible before my office visit were even covered! I could not find a dental plan or vision plan, but at least my family would have the best health coverage available… or so I thought.
We were on a family vacation in Florida and my 15-year-old son slipped and fell running around the pool. He injured his arm and I wanted to take him to get it examined. I checked with the doctor and they were in network with my insurance carrier. We had the appointment and it turns out, my son broke his arm. After the x rays and cast, I was expecting a decent bill, but was thankful I had the best coverage I could find. I received a bill from the doctor showing that my insurance did not cover ANY of the charges. I was outraged and called the insurance company. It turns out that I did not have the full network of doctors only a small "sub network" of doctors in my state only.
A few months later my professional trade association announced they were now offering benefits. I was skeptical but very interested. I reviewed the options on their website and made an appointment with one of their benefits specialists. I was blown away! I was able to buy a national PPO with the full network of doctors, a dental, vision and was even educated on additional coverages to protect out of pocket costs. I finally had the benefits I needed for my family. I am thankful to my association, Meridio, and BenAdvance for helping me protect my family with the coverages I am used to.
NATDA Enhanced Wellness program offers extensive, cost-saving benefits that offer flexibility not only to you as members, but also to your member employees. Keeping you safe, secure, and putting money back in your pocket, while giving you only the benefits that are priority for you. No more paying for group benefits you don't need.
Call a Benefit Guide today (800) 659-5016 or CLICK HERE for more detailed plan information.


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Do you have some unwanted fury little friends with a tail that have overstayed their welcome? To me, five minutes would qualify as "over welcoming" their stay, but that's me. In this post, we cover the best mousetrap, the famous 5-gallon bucket mouse trap.
What's good about this trap? All the things we believe in in the preparedness community.
- simplicity
- efficiency
This trap has is a good example of both. It makes for the best kind of mousetrap.
The Ultimate Mouse Trap
Why It's The Best
What makes this the best and most effective is that it's self-sustaining and self-efficient. Two qualities that we strive to always improve on a regular day-to-day basis.
The trap resets itself over and over, working for you 24/7 365. Like a business. The business of trapping mice and getting rid of them for you.
And business is booming…
If you're wondering to yourself,
Can mice climb out of a bucket?
Not if the bucket is filled with water up to where their feet won't hit the bottom for them to jump out.
Which is one of the reasons the 5-gallon bucket trap works so well. The mice fall in the bucket and can't get out because they fall in water deep enough.
Let's get started.
How To Make It
This is hands down one the most effective mouse traps there are for getting rid of, or at least put a significant dent in their population around your area.
There are multiple different kinds of mouse bucket trapping devices. But they all work because of the same principles.
What you'll want to buy is a 5-gallon bucket, they seem to work the best. It can't be such a large bucket that it becomes so tall the mice just ignore it.
Here's a video explaining how to build a bucket mouse trap.
Here's a video on how to how to make a mouse trap out of a 5-gallon bucket.
If you have a mice issue and tried other "solutions" and traps to try and get rid of them. Give this one a shot. It's so simple and so effective.
You only need a couple of different items for material and then it's just putting them together, setting it up, and then go crack open a beer from your IPA survival kit to celebrate.
Have you ever made a mousetrap that worked well?
Up Next: How To Make a DIY Survival Blowgun


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When the Camping World Truck Series started out as a simple idea from Jim Smith, Frank Vessels, Jim Venable and Dick Landfield, no one dreamed it would be around nearly 16 years later. The series has largely been used as a development ground for drivers looking to work their way into the Sprint Cup Series and has seen drivers like Carl Edwards, Greg Biffle and Kurt Busch start their NASCAR careers. But there are other drivers that have made their career out of the Truck Series alone.
As these drivers age, it's hard to imagine there will one day be a Truck Series without the likes of Todd Bodine, Ron Hornaday Jr. and Mike Skinner. Thanks to a question in Mirror Driving on Wednesday, I started thinking of who would be best to step up into that role. There are quite a few young drivers that have joined the circuit over the last few years, and here are my picks for future stars in no particular order.
Author's Note: This list is in no way all inclusive. Had I talked about every single driver that has potential to become the next face of the Truck Series, you would be reading all day. Enjoy the list, and feel free to comment below or shoot me an email with who you think should have been included and why. I'll share your picks in the next Tearing Apart the Trucks that runs on July 9, so feel free to form an opinion and send it my way.
Aric Almirola
Aric Almirola isn't exactly a new face in the Camping World Truck Series, but he's worth considering as a future star of the series. He made his first series start in 2005 at Memphis Motorsports Park where he was involved in a crash and credited with a 30th-place finish. He followed that race up with back to back top-10 finishes at O'Reilly Raceway Park and New Hampshire Motor Speedway before his season ended short after a wreck at Texas Motor Speedway.
Almirola has 30 Sprint Cup Series races under his belt with only one top-10 finish to show for it – he finished eighth at Bristol Motor Speedway in 2008. But his numbers in the Truck Series show he just might be suited to stay put where he is. In 57 starts, he has 21 top-10 finishes, and 16 of those have come since the he joined Billy Ballew Motorsports at Texas Motor Speedway in mid-2009.
This season, Almirola has yet to finish outside the top 15, with a pair of 12th-place finishes at Daytona and Texas being his only finishes outside the top 10. He's shown that Billy Ballew Motorsports can run well without Kyle Busch on their team, and it's likely the driver of the No. 51 Toyota will still be in the hunt for the championship throughout the remainder of the season.
Jason White
Jason White joined the series in 2001 but didn't race the full schedule until the 2008 season when GunBroker.com and Bobby Dotter teamed up to field the No. 08 Dodge (two races were run under the Toyota banner at New Hampshire and the fall race at Martinsville). It wasn't until 2009 that the 31-year-old driver finally scored his first top-10 finish, a fourth at Dover International Speedway. He went on to score three more top-10 finishes that season.
The 2010 season started out with a bang for White, who sat on the pole and brought his No. 23 GunBroker.com Ford (the team switched to Dodge starting with the second race of the season at Atlanta) home fourth after leading eight laps at Daytona. He has just one finish outside the top 20 this season, a 29th at Martinsville, and currently has four consecutive top-15 finishes, including a 13th last weekend at Texas.
Though the results have been mediocre for someone who could potentially become a star of the future, White is showing he has the resiliency and persistence to stick with his racing and continue to improve.
Jennifer Jo Cobb
Jennifer Jo Cobb made her Truck Series debut at Kansas Speedway in 2008, where she ran just 31 laps before parking her No. 74 Derrike Cope-owned Dodge for a 33rd-place finish. She followed that start with a 26th place finish at Kentucky eight races later, making two additional starts in 2009 where she completed just 49 laps.
This season didn't start off well when Cobb was involved in a first-lap crash in the opener at Daytona. It was the first race behind the wheel of her self-owned No. 10 Ford. In an effort largely funded out of her own pocket, she has just two top-20 finishes – an 18th at Charlotte and a 14th at Texas last weekend. Though she has three DNFs this season, I can't help but wonder what she could show on the track if she were to pilot some decently funded equipment.
In between races, Cobb is probably one of the busiest drivers out there. Between sponsor appearances, she's also a public speaker, runs her own business and works for the Richard Petty Driving Experience. Cobb is certainly a well-rounded driver any owner should be happy to have on their team.
Chase Austin
I know he hasn't raced yet this season, but Chase Austin will make his first Truck Series start of 2010 this weekend. He'll pilot the No. 46 "Forgotten Harvest" Million Meal Challenge Dodge Ram for Team Gill Racing.
Austin made just two starts at the beginning of the 2009 season before Trail Motorsports put an end to the full-time season the 20-year-old driver had been promised. He scored a best finish of 13th in the season opener at Daytona International Speedway. (Author's Note: For more information on what happened to Austin's full time ride for 2009, check out this story from last season.)
For those of you wondering why I'd pull a driver who made his last start in the series more than a year ago, let me explain. Any driver who can make his Truck Series debut at Daytona International Speedway and keep the truck in one piece until the checkered flag flies deserves a chance to show what they're made of. Add to that an impressive 13th-place finish and Austin is a driver who definitely needs more track time in the Truck Series.
At this point, it's hard to compare any of the above drivers to the veterans who have left their mark on the Truck Series, but each one has the potential to be the next star. The key will be whether they plan to stick around or move on to the next level in NASCAR, and only time can answer that question for us.
Did You Know?
- There are 36 trucks on the entry list for Saturday's (June 12) VFW 200? Assuming none of the entered trucks withdraw before qualifying, this will mark the ninth consecutive race this season the series has seen a full field.
- Chris Fontaine will make his 20th career Truck Series start Saturday afternoon? He has a brand new truck purchased from Kevin Harvick Inc. and hopes to score his first top-10 finish this weekend.
- Each of Cobb's trucks is named after classic rock stars? This weekend "Jimi," named after Jimi Hendrix will make its on track debut. She'll also celebrate her birthday on Saturday.
- Almirola and Ricky Carmichael participated in Wednesday night's Prelude to the Dream at Eldora Speedway? Almirola finished 14th and Carmichael finished 19th.
- David Starr has picked up Cash America to sponsor his No. 81 Randy Moss Motorsports Toyota for Nashville and Phoenix? He'll also pilot the No. 05 Cash America Chevrolet for Day Enterprises in the Nationwide Series at Daytona, O'Reilly Raceway Park, Phoenix and Homestead-Miami.
- Nelson Piquet Jr. will run both the ARCA and Truck series races at Michigan this weekend? Piquet will start fifth in the Racing For Wildlife 200 Friday night and qualifying for the Truck Series race is set for Saturday morning.
- Hermie Sadler returns to the track again this weekend to once again pilot the Jeff Hardy designed No. 48 for Andy Hillenburg? He finished 12th at Martinsville and 19th at Charlotte earlier this season.
- This weekend will mark Hornaday Jr.'s final race with Longhorn adorning his No. 33 KHI Chevrolet? A new FDA rule takes effect June 22 and prohibits cigarette and smokeless tobacco sponsorships for any athletic event.
"At Michigan, the straighaways are really long. The track is incredibly wide. Drafting is really important there. Not only do you have to have a good handling truck, but it has to draft well. So, there's a lot of different things that we do as a team to get ready for the weekend. Good aero packages and horsepower are a must." – Aric Almirola
"I'm really excited about Michigan. It's a good, wide open track where you dig, dig, dig. I hear there's not a lot of grip, but for some reason I have a good feeling. I have a lot of laps there from several years back with the Richard Petty Driving Experience. When you drive for RPDE at speeds designed for students, you think, 'Man, I'd love to turn it loose and race here.' Well, I'm finally getting that chance, and I can't wait." – Jennifer Jo Cobb
"Michigan is very similar to a superspeedway. Yes, you heard me right. Just like at Daytona and Talladega, aerodynamics will be huge on Saturday and horsepower is key. The truck with the biggest horse under the hood has a good chance of crossing the finish line first." – Wayne Auton, CWTS Director
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北海道支部 ホームページ
■ 第541回支部講演会
■ 第541回支部講演会
演題 「Flustra foliacea (L.) (Bryozoa) – 'pH sentinel' in a changing ocean」
講師: Helena Fortunato 先生
The current reduction of oceanic pH is affecting the saturation state of seawater with respect to calcite and aragonite with heavy consequences for marine calcifiers as shown by experiments using mostly planktonic organisms and corals. However we need more studies using common shallow water calcifiers in order to be able to predict changes in biodiversity and abundance in coastal areas. Today I will present data from a study in progress using a widely distributed bryozoan from the northern Atlantic coasts.
Bryozoans have been successfully used in studies of coastal pollution and in general ecological research as indicators of changes in bottom communities. Preliminary data show that they can also be used in climate change studies as early indicators of switches in carbonate regimes.
The bryozoan Flustra foliacea (L.) is well studied due to its use as a source of the biological active compound Flustramine thus being a suitable subject to study changes in calcification due to ocean acidification. This species forms dense thickets on the seafloor and the bi-mineralic composition of its skeleton should show the differential influence of changes in oceanic pH. Profiles in colonies from the North and Baltic Seas (European North Atlantic basin) from collections spawning several years were studied to assess growth rates, wall structure and wall preservation. Zooid frontal area and zooid shape indexes show significant differences in colony and zooid sizes in both areas despite the assumed low genetic divergence of these populations. Preliminary data also indicates that zooid size is stronger related to temperature rather than food availability.
Morphometric results were compared with data from geochemical composition, dissolution levels and Mg/Ca fluctuations in the same colonies to assess carbonate secreting capacity of Flustra under ocean acidification conditions. Obtained results are being tested in experiments using variable pH/pCO2 conditions. Further studies include analyses of museum material spawning over 200 years to test effects of ocean acidification and temperature on growth and calcification level since pre-industrial times.
座長・連絡先:柁原 宏 (
<< 戻る >>
Copyright 2009 The Zoological Society of Japan. All rights reserved


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American Farriers Journal
American Farriers Journal is the "hands-on" magazine for professional farriers, equine veterinarians and horse care product and service buyers.
Unlike many other jobs, moving a farrier practice to a new area is not a cut-and-dry process. In the corporate white-collar world, moving to a new location may not be an easy choice, but the process is easily coordinated. Whether these workers take a new job or are transferred, many companies will cover moving expenses. Perhaps more importantly, the new job and its salary are awaiting the worker in the new town.
As self-employed people, we likely don't have that luxury when we relocate. Instead, we are forced to take a different, more planned route. I've had the experience on both ends — from my years in the military and my career as a farrier. The planning from my current transition can benefit any farrier who is considering or must move.
There is a tremendous amount of thought that goes into the decision whether to move. Before you consider moving, you have to ask yourself if the "bang is worth the buck." If the decision is "made," such as a spouse taking a more beneficial job, then that question is obviously already answered.
However, if the decision is yours to make at your own prompting, you should identify clear benefits of moving. Whether the reasons include a warmer winter, the chance to make more money or work with higher end horses, it should make sense to you and be easy to justify to yourself. Furthermore, these can't be hopes — these must be established goals that rely on several variables…


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It is quite common for those in the long distance trucking industry to consider starting their own trucking business. After all, it might be frustrating week after week to only receive a portion of payment because the company takes their cut. What you might not realize is that the trucking companies pay significant overhead costs and risk their own capital in the process. Although starting a small trucking business can be a successful venture, it requires lots of time, effort, patience and money. Here are some things you will need when starting your own company.
1. A Sound Business Plan
The first and arguably most important thing to have in order to start a small trucking business is a plan. Come up with a written business plan that shows how much you expect to earn, where you plan to get your financing, how many staff you plan to hire and when you expect to break even after starting the company. It will be impossible to get financing or clientele unless you have a clear and realistic plan for your endeavor.
2. Financial Backing
In order to start a business you will need the capital to purchase trucks, finance fuel and wages before the first payments come in and start marketing your company to potential clients. If you plan to have a permanent office, that will also involve some expenses that can add up quickly. Few entrepreneurs have the capital initially, which is why you will probably need to borrow money from investors or a financial institution. Meet with your local banks for information or suggestions first. Additionally, there are institutions that provide factoring for the transport industry as a source of immediate cash flow.
3. Insurance, Permits and Licenses
It is illegal to simply declare yourself a trucking company, as there are many legal and business matters that need to be addressed. You will need to visit your local state offices to create an official business as well as inquire about what paperwork is necessary to legalize freight carrying vehicles across state borders.
4. A Client Base
You simply won't have a successful business until you have attracted a significant amount of clients to use your trucking services. If you know some clients be sure to spread the word of your business in any way you can. Make business cards to hand out and leave in truck stops as well as creating a simple website and email address so that you can be reached at any time. You might also consider advertising in newspapers or even magazines that reach the right demographic you are looking for.
5. Reliable Staff
The first staff requirement will obviously be fellow truck drivers to haul freight across the country, but there are other staff members that will be truly vital to the trucking business. You will need administrative staff to take calls, book schedules and keep drivers up to date on their loads and the log book. In addition, someone will need to take control of the finances and begin the accounting and payroll. In a small company you might take on these roles yourself initially in order to save money.
Starting your own trucking business can be financially rewarding as long as you address these five issues!
About the Author: Patrick Johnson is a contributor offering advice on obtaining commercial truck insurance for those looking for freelance truck driving jobs.
Image: ACE Solid Waste / Flickr


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PS4 Dragon Ball Grips Set Fighters
Ref: DBPS5GRIPSETFIGHT
Set of 8 grips with the characters of the official Dragon Ball Super license.
They improve grip and provide enhanced accuracy, are compatible for PS5, PS4 controllers and also for PS3 and XBOX360.
- Dragon Ball Super™ Official license
- Set 8 grips
- Provide enhanced precision
Main platforms


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Vintage Murano Lamps in Crystal Clear on Italian Marble
This elegant pair of vintage Murano lamps are of CRYSTAL CLEAR glass. The thick ribs swirl diagonally up and around the glass body. The way each stands on the Carrera marble base suggests a dancer en pointe – truly a beautiful silhouette.
In stock
The lamps measure 29 inches from tabletop to socket top. As shown, the top of shade is 35 inches high. Lampshades are for display only and not available for sale.
Additional information
Weight | 45 lbs |
Dimensions | 48 × 24 × 12 in |


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Astronomers have discovered three potentially habitable planets situated 40 light-years away from the Earth.
The exoplanets are comparable to Earth and Venus in terms of sizes and temperatures, and are the best targets found so far for searching alien life, the research added.
Two of these planets orbit their dwarf star, called TRAPPIST-1, in 1.5 and 2.4 days, respectively.
Source: Inshorts


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AT News
KABUL: The youngest National Security Advisor, Hamdullah Mohib has said that a ceasefire is necessary to create a conducive environment for peace talks. He said this while speaking at Raisina Dialogue, a multilateral annual conference in New Delhi of India.
"Peace for our people means the end of violence, this is why we insist that a ceasefire is necessary to create a conducive environment for talks."
According to him, a ceasefire is a catalyst for sustainable peace because the Afghan people earnestly want it and it will prove to our people and government that our enemies are not only serious about peace but that it is within their control to maintain their part of a future deal," Mohib said.
He also sketched important role of the regional countries and their cooperation's for restoration of peace in Afghanistan.
"As our efforts toward peace gain momentum, we must have the cooperation and support of our neighbors for peace to be sustainable," Mohib said.
According to Mohib, Afghanistan's national quest for peace is beneficial to the regional and to the world and that there is no victory for violence and terrorism.
The official also warned the Taliban that if they refuse to answer call to peace, they should be prepared to "face the full force of the Afghan nation."
This comes as the government is urging ceasefire as part of the US and Taliban peace deal, the militants' spokesman says that no new article was added to the deal draft.
Suhail Shahin, spokesman of Taliban's Qatar-based political office said Tuesday that the deal was close to be finalized, adding that nothing new had been added.
The US and Taliban negotiators have agreed on the American troop withdrawal from Afghanistan, reduction of violence, not use of Afghan soil by international terrorist groups and intra-Afghan dialogues in their 10 times of talks held in Qatar for more than a year.


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Certified Open tracks some of the smaller restaurants that open in Las Vegas. See a new restaurant that deserves some love? Email firstname.lastname@example.com.
Rachel's Kitchen
Address: 150 Las Vegas Blvd. N.
Phone: 702-778-8800
Status: Certified open
Now Rachel's Kitchen has four locations in the Las Vegas area. The newest at the Ogden in Downtown opened last week, serving up breakfast, lunch and dinner.
Look for salads, wraps, burgers, fruit smoothies and juices, as well as pasta options. Breakfast is even served all day.
The location has an outdoor patio area and serves beers and wines. The restaurant is open from 7 a.m. to 7 p.m. Mondays through Thursdays and 7 a.m. to 8 p.m. Fridays and Saturdays.
· All Coverage of Rachel's Kitchen [~ELV~]
· All Coverage of Certified Open [~ELV~]
Rachel's Kitchen [Photo: Preston Cobb]


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Debt relief can be achieved through debt consolidation. If you have a good credit score or equity to back up a large loan, you will be able to save a lot of money from interest.
Debt settlement is just one of several options for dealing with debts, and may not be best suited for everyone. There are a few alternatives to debt settlement, so before you go through with debt settlement, and deal with the possible negative side effects, it's important to make sure it's actually what you need for your debt.
Can you afford to make your minimum monthly payments right now?
If you're comfortably making the minimum monthly payment on your credit cards each month, then debt settlement may not be the solution you need. By paying the minimum on your credit cards, you're probably not hurting your credit score. When you stop making these minimum payments, which is almost always a condition for debt settlement, your credit score will likely suffer.
If you're making the minimum payments and you can afford to make a little more, then you might consider a debt snowball where you send a higher payment to one of your credit cards each month (while making the minimum on all your others) until that card is paid off. Then, you'll do the same thing for another credit card. Repeat until all your cards are paid off.
When you're making your minimum payments, but feel the pinch in your budget, you may consider consumer credit counseling. Credit counseling agencies talk with your creditors to negotiate a lower (more…)
Debt settlement is made more difficult by the fact that you typically have to have a lump sum of money on hand when it's time to settle your debts. When you make monthly payments to a debt settlement firm or you put monthly deposits into your own debt settlement account, it may take months to accumulate enough money to settle your debts. All the while, your debts get more delinquent, more fees are added, and the debt gets larger.
With Settlements, Time is Money
The longer it takes to come up with the money for a settlement, the more money you'll probably need to save up for a settlement. For example, if your credit card balance is $8,000 at the date you last make a payment to the creditor, six months later, it could easily have grown to $8,500 or $9,000 with interest and late fees. That means you'll end up probably settling that debt for at least $250 to $500 more than what you would have if you had enough money to settle sooner. It may not sound like much money but if you multiply it by 8-10 for that many additional debts, then it's an extra possible $5,000 that you'll have to come up with for debt settlement.
Settle Sooner With Home Equity
If you have home equity available, you might consider (more…)