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- Home/
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- Real Estate Warranty and Indemnity - Major Risks
Real Estate Warranty & Indemnity - Major Risks
Gallagher's specialist transaction risk insurance for corporate real estate deals mitigate unexpected post-completion losses caused by warranty breaches in the sale purchase agreement. However your deal is structured, we have the real estate warranty and indemnity insurance solutions and expertise to help underpin positive outcomes.
Warranty and Indemnity insurance is rapidly moving from specialist to mainstream risk solution and this is particularly true for major property transactions structured on a share purchase basis. Giving you more confidence in the deal, warranty and indemnity insurance bridges the expectation gap should you find yourself falling short of your objectives post-completion. There is significant capacity and underwriting appetite for real estate warranty and indemnity insurance programmes and insurers perceive real estate applications to be highly attractive.
At Gallagher, we are driving the development and growth of real estate transaction risk management, backed by a range of thorough due diligence insurance solutions. Integration and seasoned experience drives the way we work. Called Match, it's a consultative process that hinges on our thorough understanding of your business. Quality analytics, clear thinking, plain English, exceptional listening skills and proven real estate warranty and indemnity insurance expertise drive all that we do.
Real estate transaction risk management adds significant value to the deal, helping provide a clean exit for the insured by maximising purchase price and minimising liability. Potential future liabilities are transferred under the contract of insurance in exchange for a known fixed cost - the premium.
Working closely with you, we design, structure and place real estate transaction risk cover on a deal-specific basis. We typically provide 'back to back' coverage with the contractual warranties and the tax deed provided by the vendor. The policy term can be up to seven years with a single premium payable at inception.
The only global broker to hold an internationally recognised ethical award, performance, integrity, expertise and service sit at the heart of our approach. We have a proven, global track record delivering superior real estate warranty and indemnity insurance solutions that underpin the deal and provide transactional peace of mind you can rely on.
Come and talk to Gallagher for all your transactional risk insurance and warranty and indemnity insurance needs.
Here's how it adds that value:
- Reduces counter party risk
- Can extend the survival period of warranties and tax deed
- Improves cash flow
- Reduces and / or eliminates escrow requirements
- Protects against unknown risks – those not flagged through the due diligence process
- Helps support to joint venture investment structures
- Provides attractive bid differentiation in auctions
- Mitigates solvency concerns regarding distressed sellers and acts as an effective contingency for up to 7 years.


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Contact Us
Add: No.9-2 North Shanghua Industrrial Zone, Lecong Town, Shunde District, Foshan City, Guangdong Province.
Mob: +86-13715509122
Tel: +86-757-28104282
Fax: +86-757-28104231
E-mail: email@example.com
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Soccer superstar David Beckham has been looking for a new club to play with since he's left LA Galaxy, and now he's found one. On Thursday, Beckham signed a contract to play with the Paris St.- Germain football club, and he'll be playing for free. The generous Beckham will donate ...Read More »
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Styles 101: What is Infrared Photography?
Clients often aren't aware of the intricacies of photography, especially when it comes to the multitude of styles out there that some professional photographers offer. To help them better understand the types of photography that can be illustrated in their carefully created images, this series of posts provides explanations and examples of every photography style listed in Photographer Central.
Infrared photography, also referred to as IR photography, is created using special film or sensors that are capable of picking up infrared light. Infrared light is a section of the light spectrum that can't be seen by the naked eye. However, with special camera equipment, photographers are able to capture images where infrared light can pass through.
The effects achieved by infrared photography often look quite surreal and otherworldly. Colors are completely different from the actual colors of the objects shown in the photo, and textures will also take on a new look. For clients who want something more unusual and unique, infrared photography is a great style to request.
Keywords: infrared photography, photography styles
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But Palin's seemingly bright future was clouded in late July when the state legislature voted to hire an independent investigator to find out whether she tried to have a state official fire her ex-brother-in-law from his job as a state trooper.
The allegation was made by former Department of Public Safety Commissioner Walt Monegan, whom Palin fired in mid-July.
"It is a governor's prerogative, a right, to fill that cabinet with members whom she or he believes will do best for the people whom we are serving," Palin told CNBC's Larry Kudlow in an interview on Aug. 1. "So I look forward to any kind of investigation or questions being asked because I've got nothing to hide."
After her unsuccessful run, Palin received an appointment to the Alaska Oil and Gas Conservation Commission, where she ended up serving a role in an ethics probe into Republican Party Chairman Randy Reudrich, who was questioned about conflicts of interest with the oil industry.
The investigation ultimately forced Ruedrich to resign from the commission
She and other Alaska elected officials fear a listing will cripple oil and gas development in prime polar bear habitat off the state's northern and northwestern coasts.
"She's either grossly misinformed or intentionally misleading, and both are unbecoming," said Kassie Siegel of the Center for Biological Diversity. "Alaska deserves better."
As marine mammals, polar bears are regulated by the federal government, not the state. Interior Secretary Dirk Kempthorne last week made the listing decision and said it was based on three findings.
This year's Arctic ice melt could surpass the extraordinary 2007 record low in the coming weeks. Last year's minimum ice level was reached on September 16, according to the National Snow and Ice Data Center.
Even if no records are broken this year, the downward trend in summer sea ice in the Arctic continues, the Colorado-based center said. Last year's record was blamed squarely on human-spurred climate change.
"No matter where we stand at the end of the melt season it's just reinforcing this notion that Arctic ice is in its death spiral," said Mark Serreze, a scientist at the center. The Arctic could be free of summer ice by 2030, Serreze said by telephone.
A polar bear is seen in the water during an aerial survey off the Alaska coast in this photo taken August 15, 2008. Arctic sea ice shrank to its second-lowest level ever, U.S. scientists said on Wednesday, with particular melting in the Chukchi Sea, where polar bears were recently seen swimming far off the Alaskan coast.
A. Swimming.
1. Polar bears are strong swimmers; they swim across bays or wide leads without hesitation. They can swim for several hours at a time over long distances. They've been tracked swimming continuously for 100 km (62 mi.) (Stirling, 1988).
2. A polar bear's front paws propel them through the water dog-paddle style. The hind feet and legs are held flat and are used as rudders.
3. A thick layer of blubber (fat), up to 11 cm (4.3 in.) thick, keeps the polar bear warm while swimming in cold water (Stirling, 1988).
4. Polar bears can obtain a swimming speed of 10 kph (6.2 mph) (Stirling, 1988).
5. The hair of a polar bear easily shakes free of water and any ice that may form after swimming.
6. A polar bear's nostrils close when under water.
Originally posted by ProfEmeritus
Swimming is a natural activity for polar bears.


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The New Year is upon us and if your family is like mine, you saw your share of ups, downs, peaceful times, and mania in 2012. For many of us it's time to make plans and set goals for the year to come. Today I want to encourage you not to beat yourself up about what you didn't get done in 2012. Perhaps you didn't follow your schedule as you intended to. Guess what? It's okay because life happens and sometimes life teaches us and our children far more than the curriculum we bought ever could. Take a deep breath, look back and I am sure you will find tons of tiny moments and precious accomplishments that added up to a great year.
I'm not saying you shouldn't have a plan, but you shouldn't let your plans consume you because they can become the focus instead of your actual teaching and family time. So many people take the planning too far and it can turn into an obsession to get every little thing done. Trust me, no family needs to have guilt like that heaped upon them, especially when one of the best parts of homeschooling is the ability to be flexible. Additionally, reading blogs and going on Pinterest can be fun, but you must remember that those women doing all that cool stuff all the time aren't super-women. And ultimately they may not actually be doing all that cool stuff all the time. Don't compare yourself and what you are accomplishing to what you see online. If you have found someone that you think is a good example or that has good ideas, then use it, but don't put them on a pedestal. They are a mom like you, with good and bad school days.
You also have to be prepared for things to impact your plans that are totally out of your control. One example for our family was that my mother-in-law broke her hip the first week of October. We are responsible for her and she had a bad time in the hospital and we were up there so much that we didn't really do any school for 2 weeks. It really wore our girls out to be up at the hospital so much, but they also learned a lesson about being there for others. We were able to use the experience to remind them that they shouldn't expect to be entertained and having fun all the time. We are still dealing with her in rehab two full months later, but it's not so time consuming now and not disrupting school.
I have one more suggestion as you make your plans for 2013 – include fun things on your calendar. I was reminded by some friends last week that people think we are "so fun" or "always doing fun stuff." And I had to tell them it's not by accident, but rather that we make plans to do fun stuff and set dates to do them. My husband and I both know it is way too easy to just let our lives get so busy with the day to day stuff that we miss out on family fun. We have made being intentional about our activities a part of our life. So I encourage you to make plans to go to the park, zoo, botanical gardens or whatever local fun your community has to offer. Have a regular family fun night and rotate through activities that each family member likes. Do fun science projects one day instead of any of your other school stuff.
Start creating traditions for your kids to remember when they get older. More than any plan of attack or to-do list, your kids are going to remember the time they had with you day in and day out. Happy New Year to all my fellow Hip Homeschool Moms!


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Sunday, May 31, 2009
Analysis Paralysis
Saturday, May 30, 2009
Hosted Documents
Tuesday, May 26, 2009
Mac OS X on a Virtual Machine
I've got a Mac Mini that I don't use much and honestly I got it for the OS - the cool little hardware, that I've since put Vista on, was just an added bonus. I've got the OS discs, I've got VMware Workstation and I think it's time to figure out a way to install one on the other. I'll let everyone know how it goes!
Update on 07/07/2009:
The inner workings of getting Mac OS X to run on a virtual machine are incredibly complex as I found on OSX86Project.com.
I continued my pursuit and I came across a torrent on The Pirate Bay where someone managed to install and get working a Mac OS X virtual machine for VMware. I downloaded it, unpacked it, ran it and found a real working version, albeit a bit slow and clumsy. The boot times and regular operation were slow, it didn't have all of the beautiful graphics / effects of the normal version and well was barely usable - other than perhaps for the occasion test.
This Virtual Machine version of Mac OS X will work if you don't have a Mac computer to play with, but I do, so this program will officially go into storage. (I don't want to get rid of it.. just in case...)
MacBook iMac Rack Hack for a Dell
I prefer a clean / minimalist looking desk and this hack seems to fit that model pretty well. Check out the article here.
Custom Self-Contained hanging Wall PC
There are no instructions on how to perform the switch, probably since each frame and computer will differ. This could be a really cool project - worth taking on if you have an older working laptop that you don't mind tearing apart (perhaps something that would only fetch 100 bucks on eBay or is just lying around the house). Maybe even a cheap Netbook or Ultra Mobile?
Wednesday, May 20, 2009
Hewlett Packard dv6 1027nr driver problems
1. The Hardware ID ACPI\ENE0100 (found in the driver details of device manager) turned out to be the ENE CIR Receiver Driver found here.
2. The Hardware ID ACPI\HPQ0004 on an Microsoft ACPI-Compliant device turned out to be the ProtectSmart Hard Drive Protection for Microsoft Windows Vista security software found here.
It's a shame HP doesn't make it's HP Recovery Manager program available for download to those of us who accidentally delete it. HP could also really use an update and driver detection program that will tell you what drivers you're missing - it took me a while to figure these things out.
Updated 6/15/2010:
If I come across anymore ACPI Hardware ID's with hard to find drivers I will post them here. Feel free to leave comments if you find any as well.
Updated 4/17/2011:
The Hardware ID ACPI\MAT0021 on a Panasonic CF-F8 laptop is the Panasonic Misc. Driver. Learn more here.
Wednesday, May 6, 2009
Suunto Vytec Dive Computer
As I contemplate purchasing the new Suunto Vytec Air dive computer, I wanted to reflect on my current dive computer, the Suunto Vytec.
I currently use the original Suunto Vytec, not the Vytec DS, with the wireless transmitter. I originally wanted a wrist top computer because I felt like it would be easier to read and I wouldn't have to worry about it dragging on the floor of the ocean and harming the environment. With my computer and compass on my wrist it would be right in front of my face as I dive around! I looked at a number of wrist top computers with different options but I didn't like the D5 and D9 because they seemed too small and hard to read and it also didn't make sense to get a computer without a wireless transmitter. Why would I want to have all my important information on my wrist except for my pressure gauge (the most important instrument you carry)? True it isn't that difficult to look at a SPG, especially if you currently have a non-wireless computer, but if you are going to remove the computer then why not remove the gauge as well? I figured if I couldn't afford the extra money for the wireless transmitter, then it wasn't worth having the wrist top computer.
The Vytec's display is very simple but contains a lot of useful information like a pressure gauge, depth monitor, alarms for safety stop, battery indicator, max depth and large buttons to change the modes or make configurations. The beauty of having any dive computer resolves to dive log memory and automatic table calculations. A lot of people start to forget how important dive tables can be but the computer always remembers! It comes with a cable for syncing to your computer and the software is fairly easy to use (although I prefer SharkPoint). You can download the software on their website for free and as I had to find out, you can find replacement cables on eBay for less than $50.
While I'm sure this goes for most Suunto dive products, the only downside to the Vytec is the dive software. The problem is that the computer is so great and easy to use that software isn't much to brag about. The interface screen is a little dull, the backup and saving of your database isn't as friendly as it should be and to be honest, it looks like they didn't put much time into designing it. The easiest thing would have been to copy your normal dive log layout and while they tried to, they fell short. All in all, the Vytec is one of the best dive computers I've ever used and as of right now it is my 3rd computer. I've heard good things about replacing the battery, although I've never done this myself.
My motivator for getting a new computer, in this case the Vytec Air, is it has a built in compass and the viewable angle is greater. It also has a little newer design and larger logbook and profile memory. Plus my Vytec is a bit old and I think it's just plain time for an upgrade!
Suunto Vytec Dive Computer features:
- Not the DS
- Wireless Transmitter
- Large Display
- Great display information – pressure gauge, depth monitor, safety stop alarms, battery indicator, max depth indicator, etc.
- Large Buttons
- Easy Sync to Computer
- Dive Log memory
- Safety Alarms
- Three Operating modes: Air, Nitrox, Gauge
- Free PC software, USB cables available on eBay for less than $50
- Easy to clean
- User Replaceable battery – never did
Anyone have any suggestions or comments about the Suunto Vytec Dive Computer that I didn't cover? Oh and check out a picture of my computer:
Update on April, 6th 2010:
I've reposted this to my scuba website, SearchNRecovery.com. Check it out here.
Also check out this posting on installing Vytec Dive software on Windows.
Friday, May 1, 2009
Installing Windows 95 on a VMware Virtual Machine
I'm sure you're asking yourself, why would anyone want to run Windows 95 these days? Well, if you're like a coworker of mine it's because you have an old game that you want to play. Or perhaps you're a bit nostalgic and like having things around that remind you of 1995-96. Anyway here is how I installed Windows 95 Second Edition on a VMware virtual machine:
Materials I used:
- VMware Workstation 6.05
- An "original" Windows 95SE disc
- I converted this to an ISO image before I began
- I converted this to an ISO image before I began
- Windows 95 Boot Disk image (from http://www.allbootdisks.com/download/95.html)
- VMware support reference page: http://www.vmware.com/support/reference/common/guest_win95.html
- Windows 95SE serial number: http://www.velocityreviews.com/forums/t312136-product-key-help.html
- If you're like me and didn't keep the sticker from your original Gateway 2000!
- If you're like me and didn't keep the sticker from your original Gateway 2000!
I started by creating a new virtual machine in VMware Workstation (my version is 6.05), choosing Windows 95 as the operating system. Edit the virtual machines settings. You can keep the settings for Ram and Hard Drive, 64MB and an 8GB respectively. Change the CD ROM drive to reference the ISO image (or choose your drive letter if you didn't convert to an ISO) and for the Floppy drive give the path to the boot disk image. Your Windows 95 CD or image won't boot without the boot disk "in" the floppy drive.
Now start your newly created virtual machine. You should see the machine checking your CD drive, loading drivers (be careful to note if any new drive letters are assigned, my CD changed to R from D) and then you should be given the prompt of your boot device A. Using your Windows Boot Disk run the FDISK command. Follow the on screen instructions to create and partition a primary drive/disk.
Once FDISK is complete restart your virtual machine. When you get back to the boot disk prompt run the command: FORMAT C:
This will format your drive and allow you to assign a name to the drive (name is optional). Remember Windows 95 won't run if you don't format the drive after partitioning. After the formatting is complete you are now ready to run the Windows 95 setup program. You can either run the command directly from your boot device: A:> R:\Win95\Setup or you can switch to the CD Drive and run it there. If you get an error that says something to the effect there is no drive found, check to make sure your virtual machine didn't assign a new drive letter to the CD drive and/or image. I assigned the drive to an image so it gave me a random drive letter "R:" and I found this by watching the boot information.
Before setup starts Scandisk will run and check your disk for potential problems. Then the "original" Windows 95 setup screen will appear and you can proceed with your regular Windows installation process. You will most likely be prompted for a Certificate of Authenticity (COA) and a serial number. You can use the link above to grab an old serial code if, like me, you don't have your original system documentation lying around. Answer the questions as you are prompted. During the installation process I had a few issues with files not being found on the disc, I tried changing the drive letters on my CD Drive but nothing I did seemed to solve the problems. In the end it didn't seem to matter.
With Windows 95SE running, I installed the VMware Tools, then sound drivers, network drivers and display drivers. There you have it – Windows 95 on a VMware Virtual Machine!


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Legal Job opportunity (Frankfurt)
Hi there,
Being a headhunter I am searching candidates for the position below:
Role Specification
A fantastic opportunity for a legal recruiter/business development manager or legal professional who is looking for an opportunity to be involved in a Global Employment Service Company that are growing now in Germany. Our client has operations right across EMEA offering employment services such as Recruitment, Human Resources, Contracting and Outsourcing. Due to this success they are expanding in Frankfurt.
1. Business development: of new clients that are operating in the legal industry. High level networking with key accounts. Client account management.
2. Recruitment: identifying needs and consulting clients regarding recruitment plans, researching and selection of relevant candidates , conducting interviews, evaluating candidates, development of high quality database.
3. Consulting & Solutions: consulting clients on organizational and structural support
4. Assistance: on-site through assistance at ad hoc environment, giving legal advice to clients
5. Training: educational content creation, animation training and marketing training to customers
6. Reporting: to the General Manager/Head of Division
Desired Skills & Experience
• You are passionate about your work, you have some experience or sensitivity for HR
• You have at least 5 years previous experience as a lawyer or counsel
• You have business development experience
• You are open to others, imaginative, independent, reliable and responsive;
• You like challenges, capitalize on your experience
• You have excellent presentation and communication skills
• You speak German as a mother tongue, English is desirable
If interested or know someone who might be send me an email to: Protected content


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In the beginning there was a straightener...
... but not just any old straightener. In the Diva Genesis Styler, Diva have crammed in so much new tech. that it's a true revolution in hair straightening and styling.
First off there's the Infinity Field technology which drives the thermal plates and ensures incredibly even heat distribution across the plates. Then there's the plates themselves: made from Korean ceramic, they've been infused with a mixture of keratin and argan and macadamia oils which literally styles shine into the hair with each pass, ensuring a sleek, glossy finish.
Heat-up is near instant, taking just 7 seconds to reach 110°C and only 18 seconds to get to 180°C. Top temperature is 230°C. Once in use, heat recovery is rapid too running at 12°C/second which means excellent straightening results even on coarse hair.
Temperature is controlled via a digital display with settings for particular hair types. There's also a sound alert when the Gensis Styler is up to temperature and an auto shut-off to make it safe if you forget to turn it off.
Like all Diva products, it comes with multi-voltage so it can be used anywhere in the world. A UK/EU adaptor is fitted as standard to the 3-metre swivel cord.
The Diva Genesis Styler is supplied with a silicon, heat-resistant plate guard and a heat-resistant storage mat which doubles as a bag (see picture). Both come in black to match the classic black colour of the styler itself.
A heat-resistant thermal glove that has been specially developed to be used to protect you when styling.
Available in stylish black.
Protects hair from heat when styling with straighteners, tongs, wands or blow dryers.
Comes in a 150-ml bottle and has a hold level of 2.
The UK's leading thermal protector. Ideal for use with ceramic hair straighteners, curling tongs or when blow drying.
Comes in 250 ml.
Moistened wipes with an antibacterial action designed to remove styling product residue from kit like straighteners, tongs and even salon furniture.
Box of 20 wipes.
Revitalise your tools with our professional services
Copyright © 2005-2018 CoolBlades.


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I know we are several months away from St. Patty's Day - but these are just too tasty to only eat once a year.
When you look at the picture, it's a little deceiving... is it a meatball? Is that coated in breadcrumbs? Or just really crisp? My goodness, what's inside?!?
Prepare for a simplistic, culinary delight...
Boiled eggs - cool & peeled
Bread crumbs, optional
Coat and pat the boiled egg with sausage - sealing in all the edges. Completely cover the egg.
If desired, roll in bread crumbs.
Deep or pan fry until crispy and sausage was cooked throughout. I pan fried in a few tablespoons of olive oil.
This recipe is easy to make gluten free and paleo/primal friendly but simply omitting the bread crumbs. The sausage will get nice and crispy enough that you won't miss out on the textures -- crunchy outside, with a soft middle. Yummmmmm......
Also, they can be prepared a day in advance and kept refrigerated until you're ready to fry.


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Item Number: 17331
Reviewed by Terrence M.
on Thursday, November 08, 2012
Halloween Lights
I really like the lights, however you had them advertised for sale and you didn't actually have them in stock. Poor thinking on your part. Unfortunately these were ordered for Halloween and I won't be able to use them until next year.


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Salsa.it Vol.10 Gold Edition
Wrapped in a lavish and precious package, that makes it look sparkling and exclusive, the 2013 release has kept its cool and smiling mascot, 'the parrot dressed as a painter'. For this tenth and meaningful birthday all the staff at Alosibla Music Group, that is part of DownBridge Publishing, together with the main artists from the previous releases and some important guests, have conceived the "Gold Edition", a special recording cut out for such an extraordinary event.
Salsa.it Compilation "Gold Edition" is offered as a double album enclosed in a stylish, golden cover, composed of 36 tracks that are rich in distinctive features, that is 'old/new sound, 'old/new sound, Caribbean & tropical style'. Here following, we are proud to introduce all the artists who took part in this unique work. Together with our heartfelt thanks, we wish them the success they deserve. Further information and reviews can be found on www.salsa.it.
Thanks to all the artists into disc 1:
Tony Velardi, Azucar, Carlitos Irarragorri y José Alberto "El Canario, Alma Latina, Ricky B, Cuto Olaya & Orquesta, Gamilon, Maikel Lopez & Latin Sound Machine, Francisco Rojos, Pablo Timba ft. Talento Havana, Dj El Dan, Francisco Rojos y Ivan, Talento Havana, Massimo Scalici, Latin Sound Machine, Negra Mariposa, Sintonia Tres, Talento Havana, Fabrizio Zoro
Thanks to all the artists into disc 2:
El Timba y Fabio Gianni, Urbana 22 ft. Tony Velardi, Alfredo De La Fé & Rodri-Go, Buena Gente, Barrio Malo, Massimo Scalici, Max Blanco, El Timba y Fabion ft. Max Tu Niche, Ivan Venot & Tony Velardi, Luisito Rosario, Virginia La Cubana, Al Pollan, El Gongui ft. Gino Dj, Talento Havana ft. Dj Paso, Erika Latingroove, Sintonia Tres, Dj El Dan, Tumba Boyz
Finally, our ten-year old gratitude goes to Ilario Calì, Moreno Bernardinello, Francisco Rojos, the makers and promoters of this unforgettable compilation.
Don't miss Volume 10 …. Make sure your collection is complete!! You can book it at your preferred shop, at your dance school or online on www.alosibla.it.


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The word "deal" is SO overused.
Everyone and their mom thinks they got an AMAZING deal on the latest thing-a-majig they bought from so-and-so.
Psssssst. Here's a little secret:
You likely got an average deal at BEST.
At worst - you got taken for a ride and paid an inflated price for something that was camouflaged as a deal.
Marketers are so good these days they know what you're thinking even BEFORE you do - if you caught a good "sale" - then you paid exactly what they wanted you to.
Don't get me wrong, smartly shopping sales and clearances can land you some pretty good deals, but that's just the start of what's possible.
The real secret?
In one word ... STACKING.
What Is Deal Stacking?
Let's be clear.
There is only one true secret to saving money that can be applied to almost ANY purchase you will ever make in your life. And that is deal stacking.
It's an art form really - something that you become really good at over time with lots of practice.
EXACTLY what is deal stacking?
It means applying as many discounts, rebates, coupons, rewards, cash back, promotions, and sales as you possibly can to a single purchase or transaction.
Because when you by combine all of these small to large discounts together you can often turn the most mediocre of purchases into an amazing one-of-a-kind deal.
There are 22 different types of deals that can be stacked (don't miss my complete list below). There are limits though - not every type of deal can be applied to the same purchase.
But, that's part of the FUN. This is when you can use your creativity and resourcefulness to craft the perfect deal for you.
And if you hit a homerun? You can even walk away from a purchase with extra money in your pocket. You have to admit, there is nothing quite like getting legally paid to take an item off a store's shelves!
My Best Deal From Stacking
Extreme stacking takes dedication, so I can't always manage a full stack, but I do try to stack at least one or two deals on every purchase.
One amazing deal stack sticks out in my head though. It was a $1,000 LCD TV purchase from years ago. At the time, $1,000 was actually a really good price for the model I was buying.
Here's the deal stack:
- $1,000 sale price was already reasonable.
- The TV was advertised on clearance for $850.
- The store was having a 50% off clearance electronics sale - it was questionable if it should apply to TVs or not, but I talked them into it. New price - $425.
- The TV manufacturer was offering a $100 mail in rebate at the same time on that model - now $325.
- But wait - don't forget to swipe the store rewards card for more points - I forget the points value at the time.
- Finally, pay with rewards credit card for roughly 2% of the higher $425 purchase price in rewards - another $8.50 in value.
FINAL PRICE: $310 + tax roughly.
What Deals Can Be Stacked?
I'm sure your wheels are already turning picturing the different stacking opportunities you can dream up. Here's the full list to put your mind into overdrive:
- Sales – a good sale is the foundation of any potential deal. Start by finding the lowest possible price you can by comparing prices at many different stores, watching flyers, reading online deal sites, and doing online searches.
- Clearance Items – timing your purchases after major holidays or at the end of seasons can result in substantial savings. Buying what you need for next year, this year, can save you a bundle.
- Credit Card Rewards – the easiest deal to stack! Don't just use any credit card though, use one of the top Canadian cards to maximize your return on spending. If you're having trouble choosing, the HTS Credit Card Quiz can help.
- Cash Back Sites – it may sound too good to be true, but there are a few legit sites that give cash back for your online purchases at almost any store. I've earned more than $1,200 in cash back over a period of about 5 years. Great Canadian Rebates (sign up here) is the most popular one for Canadians.
- Cash Back Apps – cash back sites don't work offline but cash back apps do. You just snap a picture of your receipt with your phone and you can get cash back applied to some of your purchases.
- Rewards Programs – if the store you end up buying your item from has a rewards program of any kind, you might as well be collecting the points and earning those rewards. But, don't change your shopping habits just to collect rewards. Unless you're getting a big bonus, it usually isn't worth it.
- Rewards Bonuses And Coupons – timing your on-sale purchase with a high value rewards promotion, like Shoppers Drug Mart 20x Points Days, can really pay off. Additionally, watch for rewards coupons that give you large lump sums of points or multiply the points you earn. Coupons may apply to a specific product or your entire purchase. You may even be able to use both types of coupons together.
- Rewards Apps – apps that reward you in a variety of rewards points are starting to become popular. You can stack bonus rewards when making purchases (like with drop) or just for making "healthy choices" (like with carrot rewards).
- Price Matching – many Canadian stores will either match or beat the prices of their competitors (here's a big list). Price beating is a great way to get an extra stack. Price matching helps if you have a coupon, gift card, or rewards card for a store that has higher prices. Read our guide to price matching for more info.
- Price Errors – store both online and offline make pricing errors. Sometimes they move a decimal point or simply type in the wrong number. It's up to them if they honour the "incorrect" price, but sometimes they will. If you spot something that looks like an error, act fast because it will disappear soon.
- Bulk Discounts – some stores have buy one get one free sales (BOGO) or discounts when you buy in bulk. This is another great way to lower your price before applying other stacks.
- Negotiation – most Canadians treat prices like they are written in stone, but negotiation still works. It's doubly true if you received subpar service or some mistake was made by the store or company.
- SCOP – the scanning code of practice (SCOP) is a voluntary oath some stores take to keep their prices updated and accurate for consumers. Using SCOP wisely, you can get free items or a $10 discount if you spot a mispriced product.
- Manufacturer's Coupons – companies that want to entice you to buy their new or existing products often issue coupons for those products. Coupons are treated like cash by the stores because they get reimbursed for the full value of the coupon. That means they can ALWAYS be stacked with any other offer! If you look in the right places, you can find high value coupons or Free Product Coupons (FPCs) where you pay nothing.
- Store Coupons – stores themselves can issue their own coupons in their flyer, magazines, or inside their actual store. If these coupons apply to a specific product, you should even be able to stack it with a manufacturer's coupon or a rewards coupon.
- Coupon Books – unlike free coupons, you must pay a reasonable price to buy a coupon book. The upside is that the coupons inside or much more valuable than regular coupons and can cover the cost of the book by using just 1 or 2 of them. Coupon book savings usually apply to dining, entertainment, and services instead of groceries and retail purchases. Using a coupon book is much easier than hunting for coupons by yourself.
- Online Coupons – whenever you are checking out at an online store, it is very common to see a box labeled "coupon code" or "promo code". If you spend a little time searching for online coupons before you checkout, you'll often be rewarded with a nice discount. The best site to use when looking for online coupons is RetailMeNot.com, but Google searches will often produce good results as well.
- Competitor Coupons – some stores, like Walmart, will accept coupons for competitors. This can open up more opportunities to stack as it is easier to combine coupons and sales.
- Discount Gift Cards – every now and then it is possible to buy gift cards for your favourite stores at a discount. For example, If you have a credit card that gives bonus rewards at grocery stores, you can buy gift cards at the grocery store gift card mall for your favourite stores, earn the bonus rewards or cash back, and then use the gift card to make your purchase at the store. Read the guide I wrote to discount gift cards here.
- Gift With Purchase – beauty product vendors are famous for giving away gifts when you purchase their expensive products. If you are going to be buying the product anyway, you might as well wait until they offer a free gift that goes with it. Other stores do this as well, like Shoppers Drug Mart will offer $10 or $20 gift cards to gas stations, stores, and restaurants when you purchase a $50 or $75 in the store on a special day.
- Trade-ins – you've seen it before. Bring in your old video games and get a discount on a new game. Or drag in your old clunker car and save thousands on a new model. Trade in deals are rare and not always worth it, but they are still worth considering.
- Mail-in Rebates – once a cornerstone of scoring hot deals, these rebates have mostly disappeared. Keep your eyes peeled though as some good ones still surface from time to time and the process for redeeming them has gotten a lot simpler and more reliable. Keep in mind that you'll usually need to send in a copy or scan of your receipt and UPC code by snail mail to qualify.
What's Your Deal?
Now you know my secret weapon to produce the biggest savings. There's always "just one more thing" that you might be able to add to make your already great deal even BETTER.
Now you can go out and experiment with it yourself. Get creative - and see what you can come up with.
And if you're a deal-stacker…
Tell me what one-of-a-kind deals you come up with - share in the comments below.
First Published: September 13, 2010
Disclosure: Some links in this article may be affiliate links. We're letting you know because it's the right thing to do. Here's a more detailed disclosure on how HTS makes money.
There aren't too many stores in Canada that will allow you to Stack coupons.... I heard Rexall does....be nice if you could provide a list of Canadian stores that do!
Not only is stacking unheard of in Canada, it is down right difficult to even find coupons. Walmart will price match the sale price of items and allow you to use one coupon as well, if you can find coupons. The Real Canadian Superstore usually has a board of coupons at the entrance before you walk into the store. Just watch because often with sale prices it is still cheaper to buy the larger quantity or the no name brand. I have found that most of my coupons are for brand name things which are always much more costly than no name. Still I persevere, and try to match coupons with price matching. I always carry the fliers with me to the store, circle the items I price match and I usually save about 20-30 dollars per grocery trip for a family of four and plan my meals around the sale items.
Thanks for providing some additional details Grace. It can definitely be hard to find those coupons and stack them (a manufacturer's coupon can be stacked with an in-store coupon in most cases). However, I don't consider stacking just to be the use of multiple coupons. I consider it to be combining as many of the above listed things together to make the best deal possible.
I tend to disagree with you that the no name brand is cheaper in the end. Yes, it is usually cheaper straight up but when you combine a sale with a good coupon, I find the name brand is almost always cheaper and often of a better quality as well.
I have had several stacking deals over the years. Here are a couple I had lately.
At Walmart: Children's Advil was on sale for $4.69. Advil has a coupon on their website for $3.00 off. Checkout 51 had a $3.00 rebate too. $0.61 profit.
At SportChek. A pair of leather Rosignol skiing gloves were regular priced $99.99 (overpriced, but fantastic gloves). They were on sale for $50. I used a Team Assist $10 off of $50 (and will get 5% back at a later date). I used 1,000 Scene points for $10 off. I used a gift card that I previously bought for 20% off of $50. Total cost $26.22.
Stacking interesting concept:
Bought a new vehicle a couple tears ago
I got the dealer price
I got another $1,000 off because I was a Costco Member
The best part I got $3,000 cash off the vehicle because I took there fininancing.....which was around 7.00%
I could have taken 0% but then no $3,000 off.
Made one payment on the dealer bank financing loan which cost me approximately $150 in interest and paid the loan off to in full.
Saved $2,850
I often use manufacturers coupons, though rarely print them out, and mailed or newspaper inserts seem to have disappeared. And sometimes I would have them while *waiting* for a sale to use to purchase the item. Sometimes I just drop them off by the item on the shelf. One time a couple of years ago, I was going to a shelf to place a coupon and a shopper picked up the product (on sale) so I asked him if he would like the coupon - - - and he asked me if he could use a coupon for an item on sale! I assured him he could and he was quite pleased to know that. I wonder how many others do not realize that basic coupon use.
Another thing I did today that I have done for several years - bought my TurboTax software at Shoppers Drug Mart, and used my Optimum points to *pay* for it. And for me, I have now been able to purchase it on Thursdays (seniors days: 20% discount on regular priced items), to get an even better deal. Several years, but not yet this year, they have also had a bonus points offer on it - a week or so ago, they did have it for $10 off, but 20% is better.
Stacking at Superstore can work quite well by combining:
-sale items
-extra PC points (sometimes on same items)
-weekly deal (ie get $25 in points when spending $250)
One thing not mentioned in the list is price protection. Not always advertised, but in at least 3 cases (Canadian Tire, Futureshop, and Dell off-lease) I've gotten money back because the price dropped on the item after my purchase--best case was Futureshop--got $100 back on a $400 stereo purchased a year earlier.
I generally consider Price Matching and Price Protection to be in the same category - but you're right that they are two slightly different things.
Also remember the Scanner Price Accuracy Code which can be found here:
Basically if the price that comes up a the till is higher than the price that is shown on the Shelf (i.e. a sale sticker), the store will need to honor the lower price, and if it is less than $10.00 the item is free.
Check out the link for more details.
Here's the HTS article on the subject:
I use a little stacking to get some great deals on Black Friday on game systems. One example was this past Black Friday where they were selling the PS4 Pro for $500 with a $100 gift card. So, let's do some math here. That's $499 value in purchase points. Taking into account and checking my family Optimum point cards, I found my dad had a 15x points offer (your random point coupon roll for the week may vary). So 10 points x $499 x 15x points = 74850. Then use the PC Optimum calculator and assume you have over 95000 points in your account. So take 74850 and multiply that by 1.78474 and you get 133595 PC Optimum points. Soon, this in February will be worth $133.60 of value in PC Optimum points. But let's not forget the base points which are 499 x 10 - 4990. Using the above calculation ratio, that's another $8.91 in points to convert in February. So adding the $133.60 + $8.91 + $100 (Gift Card) together, I saved $242.51, and the Playstation 4 Pro cost me $317.49 total incl tax (BC here). I then took my old ps4 and sold it online for $250 (Your online sales luck may vary; the fact that I flipped my system 1 week before BF and before the sales came out helped immensly), so my Ps4 Pro upgrade cost me $67.49.
Anyways, they will almost certainly offer another gift card promo this Boxing Day, and they are really worth taking advantage of. Shoppers also tends to do their best sales for Black Friday one week earlier than everyone else. Two years earlier, I had bought the ps4 from there (also with a $100 free gift card) a week earlier too. But if you do the math, I have found Shoppers to often be the cheapest place to buy game systems when you account for point promotions.
PS. In that same purchase, I also bought my husband a 3ds xl for $100 off (when you include points and discount)
Great stuff Ame, I also find it's the best place to buy game system as well. Haven't done so in quite some time but I did it a long time ago with both Wii and XBox 360.
I really appreciate the systemic overview of the different ways to save presented in this article. Cashback websites, cashback apps, rewards apps... I was starting to feel a little overwhelmed. This will help keep my thoughts organized.


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HI, I'm Justin
I'm a graphic designer and a visual communication specialist who has a passion for creating and solving problems. Due to my background in classical art and history, I have a very eclectic style, which allows me to work with my clients and deliver designs in whatever style fits their needs. My personal style tends to combine both classical and modern elements to create a unique blend of conventional and contemporary aesthetics that are unlikely to ever go out of style.
Download my Résumé
My Skillset
Digital Art and PhotographyOne of my passions is using the Adobe Suite, particularly Photoshop, to create stunning works of art. I like to incorporate my own photos to execute certain series to tell a story or retell classic stories with a modern interpretation. This skill often helps me in designing imagery for websites and print collateral for branding and marketing.
Web DesignI focus on front end web design with some knowledge of HTML and CSS. My preferred platform to design efficient and beautiful websites is WordPress and the vast number of themes offered.
Print DesignEven though we are in a digital age, I still believe print design is essential for any designer to understand. I have experience in both digital and offset printing creating marketing material such as posters, flyers, cards, brochures, and even annual reports. I also have had experience in full book layout and design.
Case StudiesWorking as a marketing designer, I often find myself working extensively on projects that necessitate a wide skill set. Here I have compiled projects that demonstrate every aspect of design for a project campaign, from inception to execution showing the process along the way.
Adobe Programs Mastered
Websites Built
Years of Experience
Cups of Coffee
This is My Process
After we discuss your objectives and the best way to accomplish them, preferably over a cup of coffee, I start with research on the goal to familiarize myself with the field of interest to give you the best
After the project discovery phase, I draft multiple concepts for the design. I first start out with paper and pencil and then after narrowing down my ideas, I move on to the digital side. Nothing sparks creativity more than holding a pencil in your hand and having a blank sheet of paper in front of you.
After drafting out concepts, I refine the concepts and make them ready to show. I like to give a few choices to help you get exactly what you're looking for. If for some reason, the initial designs are close but not quite what you are envisioning, never fear. We can revise this until we are both satisfied with the final design of the piece.
After all the work is done, I will give you exactly what you wanted. I will work tirelessly to make sure you are extremely satisfied as a client and I am proud to have designed every project I have worked on.
Together, we can create something great!
Want to Learn More?If you want to learn more about me and my process, go to my blog, Design Discussions! There I have articles I wrote about design and design products to give new designers advice from my own experiences.
View My Full Portfolio
Click below to view my body of work including digital art, photography, web design, print design, and full branding case studies!


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Daintree Beach House Info
Daintree Beach House is ideally located at Wonga Beach between Port Douglas and Cape Tribulation allowing you easy access to a variety of quality restaurants and the boutique shops of Port Douglas, or to walk within the ancient World Heritage Rainforests of the Daintree and Cape Tribulation.
Why we like it?
- Authentic 1950's Beach House
- Beachfront location
- Attention to detail
- Relaxed atmosphere
Upon arrival you will receive a welcome pack with a bottle of wine in the fridge, local coffee and tea as well as gourmet olive oil and balsamic vinegar. Pool towels are provided.
This traditional 1950's North Queensland Beach House has been fully renovated to incorporate contemporary lifestyle needs whilst retaining its original authenticity. Breeze way brick features take advantage of the cool breezes from the Coral Sea. Birdlife abounds in the well established She Oaks and Beach Almonds, and the gardens comprise of lush tropical heliconias and lipstick palms.
The large open Kitchen, Lounge, Game Area, Foyer and Verandah allow views to the pool and ocean.
Four spacious bedrooms sleep up to eight people, ideal for families or a group of friends. The bedrooms allow a bedding configuration for three couples and two singles, or two couples and four singles. 2x Queens, 1x King Split & 1 King trundle. Two modern bathrooms have been designed for the easy use for families with children, or for a romantic getaway.
- Arrival starter kit
- Tropical fruit platter
- Private home with four bedrooms
- 2 bathrooms
- Double undercover car parking
- Large Pool with sea views
- Large barbecue
- Entertainment verandah
- Air-conditioning and ceiling fans
- Polished concrete floors
- TV CD DVD MP3 Entertainment System
- Gourmet full kitchen
- Books and games
- Quality linen and towels supplied
- Lush Tropical gardens
- Outside pool shower
- UV protection sails poolside
- Laundry
- Child friendly
- Cot available (no charge)
- Books and Games
There are a myrid of nearby activities to participate in such as bird watching on the Daintree River, Wonga Beach horse riding, Daintree Mangroves Wildlife Sanctuary, Mossman Gorge and the famous Port Douglas Sunday Markets.
The Tropical Beach House and Daintree Beach House are side by side on The Esplanade at beautiful Wonga Beach and hence are able to accommodate up to 16 people if you require.
Wonga Beach is ideally located between Port Douglas and Cape Tribulation
GREAT NEWS! All payments made to Travstar do not incur a credit card surcharge
Daintree Beach House Guest Reviews (3)
Saturday, July 23, 2011
we really liked the house; the only downside for two couples was that the main bedroom was great; and the other double was small and cramped ie could have done with a queen bed.
Saturday, July 31, 2010
Daintree Beach House was excellent for a family holiday - very spacious house, great beach across the road, and pool for the kids - would highly recommend it. The only thing lacking is a cafe nearby - so maybe a good coffee machine in the house would be a good addition.
Jodie Kennedy
Tuesday, November 06, 2007
House was fab, and personal touches and little note were a lovely thought. Travstar made our booking process hassle-free and answered all our questions as and when we had any. Pleasure to deal with - thank you!
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Te Puawaitanga o te Ngākau: A case–study of Westside Counselling Services in West Auckland: A 'community of care' approach to working with Māori women and their whānau who have been impacted by domestic violence
Pouesi, Fay Elizabeth
View fulltext online
Permanent link to Research Bank record:http://hdl.handle.net/10652/1807
The purpose of this research was to explore and document the 'community of care' approach utilized by the Westside Counselling Service; a service that evolved from an affiliation with the researcher and the Massey Community Church in West Auckland in 2000. A case study approach was employed to ascertain how effective this model was for working with Māori women whose lives had been impacted by severe domestic violence. For most of these women, violence and abuse spanned throughout their childhood, adolescence, and adult lives, flowing down into the lives of their children. While the emphasis of this study is not about the violence the women incurred, it does provide awareness and insight into the impact of intergenerational violence. The 'community of care' approach was developed to equip women whose lives were immersed in domestic violence. It offers a holistic, encompassing approach that provides ongoing support, awareness and the skills needed to integrate back into the wider community.


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As we've already reported, CD Projekt RED has shown Cyberpunk 2077 behind closed doors. And thankfully, the first gameplay details from this build have surfaced online. According to the reports, Cyberpunk 2077 will be a first-person RPG with the camera moving to third-person during curscenes.
In the game, players assume the role of V who can be a man or a woman. The E3 demo featured a big level that have a Blade Runner feeling and players will be able to drive cars.
The stats players will pick at the start include Strength, Constitution, Intelligence, Reflexes, Tech, and Cool, and these stats are all pulled from the original tabletop RPG.
Below you can find all the gameplay details from Cyberpunk 2077's E3 2018 demo.
CD Projekt describes the game as a "first-person RPG."
Gameplay is in first a first-person perspective, but switched to third-person during a cutscene.
You play a character named V (as in the letter).
V can be a man or a woman.
The stats you pick at the start include Strength, Constitution, Intelligence, Reflexes, Tech, and Cool.
These stats are all pulled from the original tabletop RPG.
You can drive cars in the game, and seemingly toggle between first and third person during this.
While driving in first-person, the U.I. appears diegetically on the windshield.
CD Projekt also described Cyberpunk as a "mature experience intended for mature audiences."
Like Witcher, you take missions from NPCs and have dialogue options in conversations.
It's an open world that you open up more with "street cred." For example, a specific jacket might raise it by 5%, allowing you access to new places.
Completing a quest levels up your street cred.
The UI in the demo is extremely minimal at — just a light compass and a small quest log.
UI expands during combat — enemies have names, health bars, and what appear to be levels.
Some enemies have question marks instead of levels, possibly meaning they're much higher level than you.
Damage numbers pop up during combat.
There's a bullet-time-like ability that allows you to slow down time.
CD Projekt keeps emphasizing that choices have consequences, in the moment and to the world at large.
Obstacles have several solutions depending on your skills. For example, V got to a door, but his hacking skill was too low. However, his engineering skill was high enough, so he could open a panel and bypass the door.
There's an inspection system lets you look super close at items and learn more about lore.
You use an inhaler to heal.
Gunplay feels slower than Doom or Borderlands, but faster than Fallout 4.
CD Projekt showed off some late-game abilities, including mantis-like blade arms and wall running.
A boss fight against a dude in an exoskeleton was shown. This included sliding under cars and taking cover.
second_base wrote:You need to fuck off now...like right now dude.
Parv wrote:Edwin has been my least favourite forumite for a long time now.
second_base wrote:You need to fuck off now...like right now dude.
Parv wrote:Edwin has been my least favourite forumite for a long time now.
Edwin wrote:Fan boys are really mad about the game being first-person.
https://forums.cdprojektred.com/index.p ... .10970207/
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Symantec misleading consumers: Lawsuit
A lawsuit filed against Symantec Corp claims that the software maker seeks to persuade consumers to buy its products by scaring them with misleading information about the health of their computers.
James Gross, a resident of the state of Washington, filed the suit in District Court in San Jose, California on Tuesday, according to his attorneys.
A copy of the complaint provided to Reuters by Gross's attorneys alleges that Symantec distributes trial versions of its products that scan a consumer's system, then invariably report that harmful errors, privacy risks and other problems exists on the PC, regardless of the real condition of the machine.
A Symantec representative could not immediately comment on the lawsuit, which seeks class-action status.
The company uses that scanning software to market Norton Utilities, PC Tools Registry Mechanic and PC Tools Performance Toolkit software, according to the complaint.
Norton Utilities and PC Tools are products that Symantec says help improve the performance of PCs and keep online activities private.
"The software is falsely informing the consumer that errors are high priority and in addition it is falsely informing the consumer that their overall system health and privacy health is low," said Chandler Givens, an attorney with Edelson McGuire LLP, the firm that filed the suit on behalf of Gross.
He said that his firm tested other Symantec products, but was only able to find problems with the three mentioned in the complaint.
Symantec, the top maker of consumer anti-virus software, is the maker of Norton 360, Norton Internet Security and Norton AntiVirus software.
Sales of all Symantec's consumer products -- including PC Tools and Norton Utilities -- rose 4 per cent to $2 billion in its most-recent fiscal year.
The suit describes Norton Utilities and PC Tools as forms of "scareware," a common type of malicious software that causes pop-up messages to appear on computers telling users that they are infected with a virus.
"The truth, however, is that the scareware does not actually perform any meaningful evaluation of the user's computer system, or of the supposed 'errors' detected by the software," the complaint claims. "The scareware does not, and cannot, actually perform the valuable tasks represented by Symantec through its websites, advertising, and in-software display screens."


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Recently, when U.S. News and World Report released its list of the top high schools in America, the performance gap between our district's white and minority students was cited as the reason why none of our high schools made the list. This variable has been recently added to the matrix – as I believe it should be.
While we believe that our high schools are just as deserving of being named among the best in the nation, we would be doing ourselves, our students and our community a true disservice if we did not admit that our omission is justified.
Yes, an achievement gap does exist in Chapel Hill-Carrboro City Schools. We absolutely recognize and own this problem. In fact, the elimination of that gap is one of the main goals included in our recently released 2013-18 Long Range Plan.
Many varying opinions exist within our community on the cause and the solution for narrowing or eliminating the performance gap. While some of these may be valid points to consider, our focus, as a school district, must be on educating all students who come through our doors, regardless of their educational background, abilities or socio-economic status. We believe that all students can learn and grow, and we feel certain that we can eliminate the gap through better instruction.
Our district has developed a number of strategies to help us accomplish this task including setting high standards for all students, more effectively using culturally proficient instructional practices, implementing a system of academic supports and re-teaching that address students' needs and creating more support and opportunities for typically under-enrolled segments of the student population to advance to Honors and A.P.-level classes – to name a few.
The Mindset strategy
Another strategy we are implementing is based on the work of world-renowned Stanford University psychologist Carol Dweck. Through decades of research on achievement and success, Dweck discovered a simple idea called Mindset. It's an idea that I believe can make all the difference in the way we teach and in our students' ability to learn, grow and succeed.
Basically, she found that some believe success is based on innate ability; these are said to have a "fixed" theory of intelligence or a fixed mindset, while others believe success is based on hard work, learning, training and doggedness. These individuals are said to have a "growth" theory of intelligence or a growth mindset.
By adopting a growth mindset within our district, a student's background or socio-economic status is removed from the equation. In a growth mindset, people believe that their most basic abilities can be developed through dedication and hard work. Teaching a growth mindset creates motivation and productivity, and helps students understand that their talents and abilities can be developed through effort, good teaching and persistence. With a growth mindset, everyone can experience academic growth if they work hard enough and have excellent instruction.
Too often, educators consider time to be the constant and learning the variable. When the allotted time for a lesson has expired, we move on to the next one regardless of whether students actually learned the material.
We must change our paradigm so that learning is the constant and time becomes the variable. In this approach, we commit that all students will learn the material regardless of how long it takes.
CHCCS leadership is both obligated and committed to providing excellent instruction, motivation and support to help our teachers and our students close the gap that currently exists in our district. And who knows, in time, maybe the names of our high schools will return to U.S. News and World Report's list.
More importantly, we will eliminate the gap once and for all … and EVERY student will enjoy a successful school experience.
Tom Forcella is the superintendent of the Chapel Hill-Carrboro City Schools.


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Clothesline Photography Competition: We Have a Winner!
Laura in Venice, Italy 2004
In his post Fight For Your Right... to Dry, Sean challenged readers to "take artistic photos of outdoor clotheslines that show both beauty and vitality." On National Hanging Out Day we upped the ante by adding a coveted copy of Jim Kunstler's World Made By Hand as a prize.
Our esteemed judges, Graham Hill and Meaghan O'Neill, have chosen Photo Unrest's shot of a clothesline in Venice, Italy as the winner. Send us an email and we will send you the book!


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Jackman In Talks to Join "X-Men: Days of Future Past"
On the heels of Tuesday's announcement that Patrick Stewart and Ian McKellen will reprise their roles in "X-Men: Days of Future Past" comes word from The Hollywood Reporter that Hugh Jackman is in negotiations to appear as Wolverine in the Fox sequel. Jackman, who starred in the original X-Men trilogy, had a memorable cameo in 2011's "X-Men: First Class."
Directed by Bryan Singer, who also helmed "X-Men" and "X2," "Days of Future Past" takes it name from the classic 1981 Marvel comics story by Chris Claremont and John Byrne that depicts a timeline created by the X-Men's failure to prevent the Brotherhood of Evil Mutants from assassinating a U.S. senator. In that alternate future, the giant robotic Sentinels have become the de facto rulers of the United States, where mutants are hunted down and placed in internment camps. How much the movie will borrow from that seminal storyline is unclear, but Fox's new Marvel creative consultant Mark Millar teased just last month that movie is "'X-Men' meets 'The Terminator.' You've got robots, you've got time travel, you've got superheroes — it's got everything in one film."
Jackman, who recently wrapped production of director James Mangold's "The Wolverine," would join confirmed returning stars James McAvoy, Michael Fassbender, Jennifer Lawrence and Nicholas Hoult. "X-Men: Days of Future Past" opens July 18, 2014.
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Episode Title: "The Candidate"
Written By: Elizabeth Sarnoff & Jim Galasso
Story: Charles Widmore has locked Sawyer, Kate, Hurley, Jin, Sun and Frank in the polar bear cages on Hydra Island, forcing Smocke, Jack and Sayid to mount a rescue effort. Once it's clear that leaving the Island via the fallen Ajira Airways plane would be a mistake, Smocke devises a plan to use another means of travel — one that has terrible consequences for some of our heroes.
In the Sideways reality, Jack believes that Locke is a candidate... for spinal surgery, that is. Locke is oddly resistant to Jack's proposal, leading the curious surgeon to investigate the cause of the paraplegic's spinal injury.
And The Black Smoke Monster's True Colors Are...: Black, unsurprisingly. The Monster lived up to his name this episode with a single manipulative move that tragically killed three of our beloved "Lost" heroes. Well, four I guess, but as much as I love Frank Lapidus, his death didn't quite have the same sting as the others.
So now that Smocke has made his move and at least three of his targets remain alive — Jack, Sawyer and Hurley are all technically candidates while Kate's just Kate, so she's not the Monster's number one target — how is he going to kill the rest without the element of surprise on his side? He'll need to convince someone else to do the deed, but who remains that will trust him? Claire? Doesn't seem likely to me, unless he really does have full control over those he's claimed.
Regardless, I think it goes without saying that most of us are on Team Jacob now.
There Is No Sayid: After six seasons of lie detection, interrogation sessions, technological proficiency, good manners towards women and overall badassery, Sayid Jarrah — the soldier always looking for a war — finally died for a cause. It was a death in the thick of battle, though there was no one for him to scissor kick and no necks for him to snap. Just a bomb that needed exploding far, far away from those he held close to him. In the end, Zombie Sayid turned out to be quite the hero.
Luckily, before Sayid died, he let Jack (and viewers) in on a relieving secret — Desmond is alive and kicking. Or, sitting in a well. Either way, he's ready and waiting to live up to his great purpose, something presumably more action-oriented than pushing a button every 108 minutes for three straight years.
The Jin And Sun Set: Which Kwon is the candidate? Well, how about neither? Just one episode after finally reuniting, Jin and Sun sank deep to the bottom of the ocean inside the ill-fated submarine, joining Charlie Pace in the great "Lost" tradition of underwater graves. I'm more upset about their deaths than Sayid's — he truly had nothing left to live for, while the Kwons leave poor Ji-Yeon parentless on the mainland. Jin's impulsive decision to die together rather than live alone without his wife was noble, but pretty thoughtless towards his young daughter.
Still, it's sad stuff. I wish we had had more time to spend with Jin and Sun together in this final season, considering it took them three years to reunite and less than a day to leave the Island's mortal coil. Though I suppose they could always reawaken in the Sideways reality, right?
I Think You're A Candidate: Before dying, Sayid implied that Jack is the man to replace Jacob, and at this stage in the game, it's hard to doubt him. Jack has always been a favorite pick to become the candidate, and if Sawyer had just listened to him about the bomb, the various submarine deaths might have been avoided. It's worth mentioning that Jack and Sawyer are now officially in the same boat — Jack's plan to blow up the Swan Station resulted in the death of Juliet, while Sawyer disarming the bomb effectively killed Sayid, Jin and Sun. After all these years, it looks like Jack and Sawyer finally have some common ground to forge a true alliance on.
But I believe it's Jack who won the candidacy — and it's time for the Man of Science turned Man of Faith to kick the ever loving smoke out of the Man in Black.
Doing The Sideways Slow Crawl: It's always nice to spend time with John Locke, especially when his doppleganger is such an unbelievable bastard. But with only four hours remaining, it's hard to enjoy a Sideways scene unless there's some serious forward momentum — which I think this episode sorely lacked, unlike the Sideways plots of the past three episodes.
As of the end of "The Candidate," Locke is out of the hospital, Claire is in Jack's care, Desmond is nowhere to be found and our Sideways castaways are scattered once again. Where any of this is leading is anybody's guess, but I think it's way past time to turn up the speed on the Sideways plot.
The Silver Lining: "The Candidate" was a mostly sad affair, but there's some good news — according to The Hollywood Reporter, the two hour series finale has tacked on an additional half-hour of story! Sure, it doesn't bring Sayid, Jin and Sun back from the dead, but hey, it's something!
Memorable Quote: "It's going to be you." — Sayid's final words, perhaps implying that Jack is the best candidate to replace Jacob.
The Shape of Things to Come: Next week's episode, "Across The Sea," has earned a reputation for having few to no series regulars featured in the installment — leaving plenty of time to get to know Jacob and his nemesis a little better.
Tell us what you thought of "The Candidate" in the comments section and on Twitter!


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LAKEWOOD — New BlueClaws manager and former Phillies second baseman Mickey Morandini has been added to the Phillies Winter Tour stop in Lakewood on Jan. 25.
He joins Phillies manager Charlie Manuel, general manager Ruben Amaro, and assistant director of minor league operations Steve Noworyta at the annual banquet held this year at Woodlake Country Club.
All proceeds from the 7 p.m. event, which includes a sit-down dinner, dessert, and coffee, will benefit BlueClaws Charities.
Tickets are just $40 and space is limited. To reserve a spot, call 1-732-901-7000 ext 172 or email firstname.lastname@example.com.
Morandini was named the 10th manager in BlueClaws history on Nov. 21. He spent 2011 as the manager of short-season Williamsport, leading the Crosscutters to a 43-33 record.
Morandini hit .268 over 11 big league seasons, nine of them with Philadelphia. He was the starting second baseman on the club that advanced to the 1993 World Series and was an All-Star in 1995.
Manuel will enter his 8th season as Phillies manager in 2012, having led the team to the post-season in each of the last five years. Under Manuel, the Phillies made consecutive World Series in 2008 and 2009, bringing home the franchise's second championship in 2008.
The North Fork, W.V. native formerly managed the Indians (2000-2002) before joining the Phillies. He became the Phillies' all-time winningest manager, surpassing Gene Mauch on the last day of the 2011 regular season.
Amaro, who served as Phillies assistant general manager for 10 seasons, was promoted to general manager at the conclusion of the 2008 season. In recent years, he has overseen the acquisitions of Roy Halladay, Cliff Lee, Roy Oswalt, and Hunter Pence, among others.
Noworyta has been with the Phillies since 1996 after 16 years in the White Sox organization as a player and executive.
Additional guests will be announced at a later date.
BlueClaws Charities is the official non-profit foundation of the Lakewood BlueClaws. BlueClaws Charities is a 501c3 organization that has donated over $300,000 to area non-profit organizations and fundraising events in the last three years.
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