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Fun Summer Shorts & Skirts #summerstyle #zara #shopbop #nordstrom #bcbg #admasm
After being slapped in the face by the heat in NYC (yes, I know I live in the Cayman Islands), I'm back and still recovering. With the heat wave, summer style was definitely on display. Below are my pics for fun summer shorts and skirts. Some are on sale so you may want to snap them up!
Tales of a Skincare Junkie: Himalaya Acne-n-Pimple Cream #admasm #skincare #himalayaherbs #acne
The next step after I apply my eye cream is applying Alpha Hydrox Enhanced Lotion 10% Glycolic AHA Anti-Wrinkle which I blogged about in a previous post My Favorite Skincare Product.
I follow that with Himalaya Acne-n-Pimple Cream. A product I apply mostly to my T-zone and pretty much anywhere else on my face that I feel necessary. I apply it every day regardless of whether I have a pimple or not. I first started using it years ago when my facialist recommended it and I have not looked back since. Now I'm not promising that you will never get a pimple but I really do find it did do wonders for my skin.
Why it works
Read more: Natural Herbal Cure For Acne and Pimples From Himalaya http://www.sooperarticles.com/health-fitness-articles/skin-care-articles/natural-herbal-cure-acne-pimples-himalaya-1044997.html#ixzz2Xwmgd1gZ
Cost: Approximately $5-6USD.
Where to buy: Himalaya store in the Cayman Islands, Wholefoods, Various Natural Health Food Stores, OnlineHerbs.com.
Tales of a Skincare Junkie: Eye Cream Dilemma #admasm #skincare #eyecream #roc #omorovicza
Chapter 3.....After I apply the toner my next is applying eye cream. Now this is the one area where I don't think I have found "the one". I have tried a few and some give me small pumps especially ones that have Hydroquinone which is essentially a skin lightener that is supposed to diminish dark circles.
For the last year, I have been using RoC Eye Correxion Cream. I can't tell if it has been doing the trick but I haven't had an allergic reaction so that's why I continue to use it. A friend of mine has recommended Omorovicza which is a Hungarian brand carried at Neiman Marcus- this will be my next experiment.
if you have any recommendations for eye creams that target dark circles and wrinkles, please let me know!!
Stunning Summer Wedding Guest Outfits #admasm #wedding #summer #dress #statement #style
It's that time of year.....some of you are bombarded with wedding invitations and in search of the right outfit. They key is to look chic and beautiful without overshadowing the bride. In my book, black is too somber so color is definitely the way to go.
Below are my picks that can work for more casual outdoor weddings all the way to a formal affair - it all depends on how you accessorize! I'm literally salivating over all the statement shoes , Ted Baker Silver Sequen Dress, and tassel earrings!!! I have also included more casual shoe options for outdoor weddings or if you need a cute backup pair of flats.
Click on the items for details of where to purchase.
Tales of a Skincare Junkie: Toner Pick #admasm #thebodyshopusa #skincare #seaweed #toner
Chapter 2......Whether a toner is really necessary has been debated by dermatologists but in my book it is a must!! The only time I do not use a toner is when I use face wipes but if I use a face wash then I'm definitely using a toner afterwards. My combination skin responds well to this alcohol free toner and did not dry it out.
The Body shop Seaweed Clarifying Toner
Benefits of Seaweed
- Seaweed is a pure concentration of sea water and like sea water it's similar in composition to human plasma. So the skin can be rehydrated by this "sister substance," making it "plump, smooth, without wrinkles."
- Seaweed's anti-inflammatory properties can be helpful with acne and rosacea.
- Excellent source of over 12 minerals, especially sodium, potassium, calcium, magnesium, phosphorus, iron, zinc and manganese.
Source: LA Times & Aromantic
Tales of a Skincare Junkie: Face Wash Pick #baumanncosmetics #admasm #facewash #phisoderm
Chapter 1...........As a self professed skincare product junkie, many people have asked me about the products I use so I decided it was time to write about it. Over the years, I have switched up my skin care regime a few times and settled on few great and mostly inexpensive products. Over the next few weeks I am going to share each product with you. It's important to note that I have combination and somewhat sensitive skin so these products may not work for everyone.
The most important thing is always to research a product before you use it, read the reviews and check out the main ingredients. I recommend reading a book called The Skin Type Solution by Leslie Baumann. I also follow her posts on Yahoo! Health called The Skin Guru.
***FACE WASH PICK*** Phisoderm Anti-Blemish Gel Face Wash
I have been using this particular face wash now for several years and it never fails me. The key ingredient is 2% salicylic acid which essentially acts as an exfoliant.
Salicylic Acid (Source: About.com)
Salicylic acid is a beta hydroxy acid commonly used to treat comedonal or non-inflamed acne. It helps correct the abnormal desquamation process that occurs in acne-prone skin. It works as an exfoliant, promoting the sloughing away of dead skin cells.
Salicylic acid is especially helpful in treating acne because of its ability to penetrate the follicle. It encourages the shedding of dead skin cells from within the follicle, helping keep the pores clear of cellular debris. In this way, it reduces the number of pore blockages and breakouts on the skin.
Designer-gasm at Cayman Islands Fashion Week #admasm #caymanislandsfw # romerobryan #indashio #nadinemerabi #varoin #trefleswimwear
I cannot believe a month has passed since Cayman Islands Fashion Week! I have been a bit behind on my blogging but I'm back on track. I wanted to share with you some of the amazing designers that were featured in the runway show.
My first US runway show at African Fashion week in NYC on July 20th! #admasm #afwny
I am excited to announce my first runway show in NYC on Saturday, July 20th at African Fashion Week! Please come join myself and wonderful designers showcasing African fashion at its best.
Visit my AFWNY page for more details
The runway show will be held at the Broad Street Ballroom, 41 Broad Street, New York, NY 10004.
Cannes Glam-Chic #cannes #admasm
Chic. Delicate. Pretty. Glamorous.
I have to say that out of all the red carpet events for the year Cannes has to be one of my absolute favorites! Two days in, can it get any better? Guess we will have to wait and see....after all you're supposed to save the best for last.


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Puff Labs
Puff Labs | Grape Crush E-Liquid | 60ML
Regular price $14.99
Shipping calculated at checkout.
Puff Labs Grape Crush E-Liquid
Who loves purple drank? I love purple drank. I pretty much love anything that's purple for that matter. Everything in my house is purple. I have purple dogs, purple stationary, purple kitchen utensils, purple people eaters, purple drapes and purple carpet. But my walls are taupe cause it rhymes with "dope". Puff Labs Grape Crush E-Liquid is the most fizziest purple fizzy bubbly grape soda on the face of the earth. The inhale is all grape flavored and stuff. The exhale is all bubbly with bubbles and stuff.
Puff Labs Grape Crush E-Liquid Specs:
Comes In 60ml Bottles
0mg, 3mg and 6mg Nicotine Options Available
80VG/20PG Blend

subset: commoncrawl


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Samsung Galaxy A7 on Pay monthly
deals.warn Sorry, this phone is no longer available.
The Samsung Galaxy A7 has a 120-degree ultra-wide-lens triple camera and 6-inch AMOLED Immersive Display. So you can fit more into each frame and get lost in what's on your screen.
A camera that thinks for you
Widen your world with the 120-degree ultra-wide triple camera – complete with easy depth of field adjustments for on-point focus, and low aperture to let more light in your photos. Take better selfies than ever thanks to a 24 MP front camera and the Smart Beauty facial recognition mode.
Stunning quality, stylish design
Lose yourself in photos, movies and games with the Galaxy A7's 6-inch Immersive Display. The FHD+ Super AMOLED screen offers sharper contrast and vivid colours for an enhanced viewing experience. Topping it all off is a 2.5D glass body, which is as durable as it is easy on the eyes.
A new dimension of sound
Bring your favourite music and movies to life with an enhanced
three-dimensional effect. The Samsung Galaxy A7 features Dolby Atmos, engineered to create and play back multichannel soundtracks to provide an immersive home cinema sound experience.
All your files stored securely
The Galaxy A7 offers expandable microSD storage up to an additional 512GB, so you'll never run out of space for your photos, video and music.* And with face recognition and an intelligent side fingerprint sensor, your files and data will always be easily accessible and safe.


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Adult Party Invitations
Oktoberfest Invitations
Oktoberfest Invitations
Raise your glasses and celebrate Oktoberfest in style with our fun Oktoberfest invitations!
Each printable invitation measures 5" x 7" and is delivered to you in high-resolution PDF and JPEG format.
The back side pattern is included.
No physical invitations will be delivered.
About your Oktoberfest Invitations:
A digital proof of your order will be e-mailed to you within 24 to 48 hours of purchase.
Orders received on weekends and holidays will be processed the next business day.
All finalized items will be delivered electronically in high-resolution PDF and JPEG formats, along with full printing instructions.
No physical items will be delivered.
As always, if you have any questions along the way, please don't hesitate to contact me.
Color Output:
Each item in the shop has been test printed to ensure the best possible color quality.
However, please be aware that colors may vary based on computer screen and printer settings, and we can not be responsible for color variances.
For best results, please be sure to follow the printing instructions included with your purchase.
Once purchased you are free to print as many copies of the file as you'd like. Please keep in mind, however, that these items are for personal use only. Please respect my work and do not share, redistribute, or alter in any way. Thank you.


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BirD-elicious! Origins Wild Diet® - Avian Whole Raw Food Nutrition! - Really RAW for Birds!®
The original Un-Pellet bird food!®
The freshest packaged exotic bird food on the market bar none.
"We make your bird's food as close to fresh as possible so you don't have to."
July 14, 2018
You know why there are no articles here?
We don't believe in cooking for parrots!
Do parrots cook their food in the wild? No.
There are only certain foods that should be served cooked for parrots.
All other times food should be fed raw. Although it is extremely important to understand what foods are best for the unique digestive tract of a parrot. To gain a thorough understanding read "You Can't Take The Rainforest Out of the Bird"
Comments will be approved before showing up.
Here are some of the topics we are discussing:
© 2019 BirDelicious! Origins Wild Diet®. © Machelle Pacion, Avian Nutritional Consultant - Passion Tree House LLC - All Rights Reserved. †Statements on this website have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, and/or prevent any disease. Passion Tree House LLC encourages all readers to consult with a trusted veterinarian or medical provider regarding the health of the animals in your care. We are not licensed veterinarians. All information is for sharing purposes only on behalf of our business and may not be transmitted, copied, cross-posted (you may share the link only), emailed, facsimiled, screen-shot, video taped or shared in any way, in any form, on or within any social network, on or within any other social media, electronic or hard copy.


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Quilters, especially art quilters, are always looking for inspirations. But sometimes, you just do not find it around you easily. Here are some ways you can go look for inspiration when it doesn't come to you.
1. Meditate.
I never thought I would recommend meditation to anyone, ever. But I have been practicing it since the beginning of this year regularly and have found myself to be more focused and more inspired. Often we feel uninspired is because our mind is not stable. We have too much going on in our minds. We need to take a step back, slow down and get our thoughts in order. So download a guided meditation app and get started, NOW.
2. Go for a walk or a run - OUTSIDE!
Walking, or running, provides us with an opportunity to communicate with ourselves. As you settle into a rhythm, your brain is having these wonderful conversations with your mind. Sometimes they're arguing, sometimes they are reminiscing and sometimes they are just bantering. Out of these conversations, comes inspiration for your work! As with meditation, your head is cleared and you can think better and create better!
3. Play!
The time when you're stuck is the best time to go and play! It could be a game of bowling on your Nintendo, playing with your little one or even a jigsaw puzzle. Whatever it is that tickles your brain, do it! Playing releases pleasure hormones in our bodies. And it makes us feel adventurous and excited. Seize this elation and start working!
4. Buy something new!
Getting a new tool or some new material (fabric shopping!!!) always inspires us to use it. We get all charged up and our brain starts getting ideas to use our newest acquisition. No budget for shopping? Here's a secret tool that I use. Virtual Window Shopping. Visit your favorite online store. Set yourself a budget (lets make it realistic!) and start selecting stuff like you would if you were actually buying it. After you have finished 'shopping', go to the checkout and if the store has an option to email yourself the cart, do that. If not save the cart or just close the window. This will give you the same pleasure as actual window shopping (maybe a tad bit less) and you will be on a creative high for a long time.
5. Organize!
This one works almost EVERY time. More often because I find a long lost WIP as I dig into my shelves and bins and get going from there. Clear your table and arrange your fabric the way you like to. Clean and organize your sewing room. Designate a place for everything in the room and put it in that place. Clean and oil your machine. Get everything ready for the moment when inspiration strikes and before you know it, it will!
6. Check your old Ideas!
Go to Pinterest and check your oldest pins! Look what you had wanted to do for a long time and see if it triggers something inside your mind. I love seeing what I was thinking years back (I joined Pinterest long back when it was an 'invitation' based platform). And often, it inspires me to do something. I also go and check my old sketchbooks. I have made so many sketches that if I were to sell every quilt that I sketched, I would be the world's richest person. But a little peep into the memory lane always inspires me when I'm down.
7. Revisit your success!
Did a quilt win you an award? Or maybe it was a huge hit when you shared it on social media? Or it is the one that makes you feel proud of yourself? Make it again, with something different! Use different techniques or material or even color! Not enough time to make it again, make smaller version of it. Or maybe use a technique to make it faster? Think of all alternatives that you can to add a twist to it!
8. Participate in a challenge or a swap.
A swap or a challenge is a perfect solution to get out of your comfort zone. It will make you play with colors that are not your first choice and look at what the other person wants or expects rather than what you want. Some of the best work that I have created has come from challenges and swaps!
9. Take a break.
If nothing else is working maybe you just need the break and you should take it. Just stay away from your work for a while. Catch up with friends or your favorite TV shows or even on your sleep! It always helps to rest your body so that when inspiration strikes at 3 am you are ready for it!
10. Just work.
Sometimes nothing works, and you just HAVE TO finish the quilt for a client. In that case, stop expecting to be creative and push yourself to just do the job. Use a coordinated fabric bundle if you have to, or even (gasp!) a pattern! Use something that does not require your creative input and push forward! We all have our down moments and that just means, the down slope is ending soon (at the lowest point - duh!) and things will be picking up!
I hope my ideas will help you get out of a creativity block and find the inspiration to make wonderful quilts - not just quilts, but any art for that matter!
Did it work for you? Do you have any ideas that you are willing to share with us here today?


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Former FEE President, Jan Eriksen, was invited by our member organisation, Keep St Petersburg Tidy, to celebrate the 15th anniversary of the FEE Eco-Schools programme in Russia earlier this month. During his stay, he conducted a presentation during an Eco-Schools event, which numerous schools and kindergartens attended and participated in the Green Flag awarding ceremony.
Furthermore, he attended a conference chaired by a representative from the St Petersburg Educational Department about Environmental Education, Eco-Schools, and an Austrian financed Environmental Education programme. Following this, Jan Eriksen travelled to Irkutsk where he met the team responsible for the Eco-Schools programme and visited the centre for educational facilities for outdoor activities.
He also headed north of Irkutsk in order to give a presentation about the Eco-Schools programme, as well as to visit a kindergarten, where he was impressed by the institution's extraordinary recycling scheme which included endless facilities at the playground made out of every material, from plastic containers to tyres. All 27 staff of the kindergarten gathered that Sunday to celebrate the award of their Eco-Schools Green Flag.
The FEE former President also visited Ulan-Ude in the Burijat region where he joined students and teachers from the Cadet School as they celebrated their Eco-Schools Green Flag. Jan also found time to visit an orphanage in Tahoy where he presented them with the Eco-Schools Green Flag at the award ceremony.
Jan Eriksen commented that the Eco-Schools programme in Russia took some time to grow, but the work and the engagement is enormous today.


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White Birdhouse Birdball
White Birdhouse Birdball
Homewares for birds? Yes! When we saw these it made sense to add these stylish accessories for gardens to the collection. These Birdhouses have been meticulously researched and designed by wildlife lovers in Cornwall and slipcast in the UK. They're designed to be sympathetic to the natural shape of a birds nest with a hole that is just the right size for a homemaking Blue Tit, Coal Tit or Long-tailed Tit, whilst preventing predators from getting in. And they attach easily with a simple hanging stainless steel cable to any branch.
Colour: white ceramic
Size: diameter 180mm. Entrance hole 25-28mm
Notes: each Birdball comes boxed with assembly and maintenance details enclosed


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Student-led, Student-organized
Our activities aim to help freshwater students become "T-shaped" – that is, possessing deep knowledge in their own specialization, but also able to effectively collaborate with various other freshwater-related disciplines. The events listed below facilitate cross-discipline collaboration, communication of new research ideas, and professional development.
Freshwater Exploration Series
The Freshwater Exploration Series is a unique interdisciplinary opportunity for graduate students who study freshwater-related topics from all disciplines–across the humanities, social sciences, physical sciences, and engineering—to come together and collectively learn about a designated freshwater topic as well as share related perspectives, aims, concerns, and methods of various research fields. We aim to do this through a diverse series of activities (1 per quarter) on campus and in the field, which also involve faculty, practitioners and the public.
For the 2018-19 school year, the Freshwater Exploration Series theme is "Dams in the Pacific Northwest." This is the first-ever Freshwater Exploration Series, and we hope it will lead to future series on other intriguing freshwater topics in years to come.
The Freshwater Exploration Series is hosted by the UW Freshwater Initiative and the UW Simpson Center for Humanities. For more information, or if you have an idea for a future Freshwater Exploration Series theme, contact Claire Beveridge, email@example.com.
Data Science Drop-In Hours
Do you have a data science question or problem that you are trying to solve? Need to ask an expert? UW Freshwater Initiative and eScience Institute host weekly Data Science Drop-In Hours, Thursdays 9:30-10:30am, in eScience. Our experts can provide help on anything from Python to remote sensing, Matlab to hydrologic modeling. We can also help you find other resources that might address other data science questions (e.g., cloud computing, machine learning, etc.). If you know you would like to participate in Data Science Drop-In hours, it is highly encouraged that you email your questions to our expert beforehand. Contact Nicoleta Cristea, email@example.com.
For information about upcoming Freshwater events, check out our Events Calendar.


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__528491__ Most projectors except the super expensive "three chip" models use a spinning colorwheel, where the image on screen has the colors flicker very fast in order to make a full picture.
Something to keep in mind.
Epson Home Cinema 2150 has worked fine for me.
uses a bulb (instead of LED) for illumination which I think helped me.
Trialed a LED one (RAGU Z720) prior and was no good for me
Slacor Do you mean you can watch it without any eye strain for hours? How does it compare to your usable monitors? How do "3LCD" projectors control the brightness? Is there any flicker?
Yes, I am going to buy one as no TV (LCD, LED, Plasma) is usable for me. Have tried a couple of DLP projectors and they work very well for me, no symptoms. Of course they were not the cheapest ones, all ~900 EUR (I do not remember the models, they were all Benq's). The Full HD one had a lot of details, no blurry pictures. Also my room is very bright during the day, but I could see the picture very well.
randomboolean Did you try cheap ones that were not usable?
KM I think I recall one time during last year when I had to use meeting room, but I refused to look at laptop. It was a 800x600 simple projector. I guess it was DLP. My eyes were OK.
In my experience the low res business projectors are all LCD
I can watch it for hours. It's connected to a Rpi3 with hdmi but no issues.
Compared to my monitors, if i use the rpi3 over hdmi there is some minor irritation. That's promising to me.
KM How do "3LCD" projectors control the brightness?
Is there any flicker?
Well it states it's in the "power conserve" mode or something like that.
Probably by flicker, but I don't think it's a issue because it uses a older kind of bulb (incandescent?).
It definitely uses a lot more power (I think 160 watts) to run.
This is the replacement bulb you can buy
Seagull I am not really sure. It seemed like a very very very old projector like 10-12 years old. Not sure as to when LCD projectors were introduced into market, I might just got lucky with this one.
Also it is important to note that my symptoms have gotten much worse lately as during last 4 months I got an extreme burnout due to excessive stress in work and had a strong shock moment when I randomly (long story, I didn't really care and didn't want to know as we broke up 7 months ago, but still it's hard to forget 5 years of relationship so quickly so it had effect on me 🙂 ) confirmed that my ex-gf cheated on me for like half a year (yes, I knew it, but she denied and I had no way to prove it, since she was a very good manipulator). I think this is important, because my nervous system became very very sensitive and I became sensitive to almost everything flickering - LED/Fluorescent lights (these never affected me and I was happy that I had problems only with screens), screens in cars(1 year ago I was perfectly fine with tested cars...), screens/lights all around the city. Before all of this I was feeling perfect most of the time and not looking at screens directly would give me very mild strain/blur, which would go away quite quickly. I could look at people's phones for 5-30 seconds and it was ok.
So to sum up these projectors which worked a couple of months ago, might not work now, thus I am going to resume my projector tests this weekend, with rented Optoma HD27. These tests are not easy as it is hard to find projectors for rent, which are still available in shops. On the bright side - I am renting for short time, thus not losing loads of money for each test. Also most of the companies do a huge discount for renting during the weekend, so there are plenty of time to test the same projector with different devices and for very good price.
Slacor Compared to my monitors, if i use the rpi3 over hdmi there is some minor irritation.
Same here. Cannot use current Linux-based Raspberry OS's over HDMI. On RiscOS it seemed to be different, but that OS is of very limited use to me.
KM Similar to this?
JTL Maybe. All I know, which is not much, is in this old thread: https://ledstrain.org/d/59-raspberry-pi-open-source-video-driver
Bottom line: trial and error - some distros work/worked, others fail, no one knows why, not even the driver developer.
I have bought the Epson EH-TW650. Its outer appearance and the specs look the same as the Home Cinema 1060. Probably just a different labeling between Europe/USA. It seems to use the same lamp as the higher priced EH-TW5650/Home Cinema 2150, which is why I bought it.
Sadly, it is irritating my eyes. My whole face seems to be irritated when looking at the projection for just a few seconds. Feels like the muscles around my eyes are tensing. This usually happens when there is flicker and afterwards stays for much longer, even hours.
I measured the light coming from the wall from 3 m away with my current oscilloscope setup. It revealed pretty obvious flicker at around 200-400 Hz (constantly changing) in Normal Mode and 1400 Hz in ECO Mode. I played with settings but no relief in sight.
I will add some proof pictures later.
So if you're sensitive to flicker, better stay away from this device.
ECO Mode:
Standard Mode:
The flicker frequency of Standard Mode is changing constantly.
I tested The Optoma HD27 for a hour or two and it was NOT OK, but it gave me very different eye strain (left eye) compared to LCD screens. Would not recommend this device for eye strainers. 🙂
randomboolean As far as I know all projectors flicker one way or another due to color wheels or PWM or both, so that's more evidence that some sort of flicker somewhere is a problem. I have strain even on PWM free panels so if its not dithering it has to be something else we dont know of.


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Recent Press
Cuomo announces free college tuition program
Times Ledger, by Patrick Donachie, April 14, 2017
Libraries often see delays and high costs, report finds
Times Ledger, by Patrick Donachie, April 14, 2017
Pol Hopes New Bill Will Embarrass Agencies Into Finishing Projects On Time
DNAinfo, by Eddie Small, April 13, 2017
How New York's Free College Plan Neglects Low-Income Students
The Huffington Post, by Lydia O'Connor, April 13, 2017
Churchill: Free college tuition? Don't believe Cuomo's hype
Albany Times Union, by Chris Churchill, April 13, 2017
Surveys show real demand for Brooklyn-Staten Island ferry
Staten Island Advance, by Susan Lunny Keag, April 12, 2017
How slow can you go?
New York Daily News, April 12, 2017
City plans hearing to crack down on employers taking advantage of immigrants
Crain's New York Business, by Rosa Goldensohn, April 12, 2017
Tuition plan demands students stay in New York
Albany Times Union, by Casey Seiler, April 11, 2017
Free Public College Has Arrived in New York — With Some Big Catches
The Village Voice, by Alexandria Neason, April 10, 2017
Report reveals delays and high cost of city-managed construction projects
Staten Island Advance, by Tracey Porpora, April 10, 2017
City Takes Too Long and Spends Too Much to Finish Cultural Projects: Report
DNAinfo, by Eddie Small, April 10, 2017
Cuomo's promise of free college tuition has a major catch, experts say
Chalkbeat, by Monica Disare, April 10, 2017
How the city built libraries at $930 psf … and years behind schedule
The Real Deal, April 10, 2017
Cuomo's Tuition-Free College Plan Has A Big Catch, Critics Say
Gothamist, by Emma Whitford, April 10, 2017
NYC libraries await fixes for four years on average, report finds
Curbed, by Zoe Rosenberg, April 10, 2017
Study Finds Publicly-Funded Libraries and Museums Too Expensive, Too Slow To Build
WNYC, April 10, 2017
Real-Estate Costs Double When One NYC Agency Gets Involved
Wall Street Journal, by Keiko Morris, April 09, 2017
Investors in local digital health 'recalibrating' amid uncertainty over Trump policies
Crain's New York Business, by Jonathan LaMantia, April 06, 2017
Queens Immigrants' Role In The Economy
Queens Tribune, by James Farrell, March 30, 2017
Diploma Decline
MetroFocus, March 28, 2017
Women-Owned Small Businesses in NYC Making Waves
NY1, by Tara Lynn Wagner, March 27, 2017
NYC Arts Groups Could Take Hit With Proposed Trump Budget
{press_source}, March 26, 2017
Brainstorm Health Daily: March 21, 2017
Fortune, by Clifton Leaf, Sy Mukherjee, March 22, 2017
Digital health is helping to fuel the city's economy
Crain's New York Business, by Jonathan LaMantia, March 20, 2017
New Yorkers struggle under new high school equivalency test
Crain's New York Business, by Peter D'Amato and Gerald Schifman, March 17, 2017
Inside the Brooklyn Navy Yard's Epic Comeback
The Bridge, by Kay S. Hymowitz, March 17, 2017
What Dip in High School Credential Means for NYC Employment
Next City, by Oscar Perry Abello, March 16, 2017
Preparing for automation in NYC
New York Press, by Michael Garofalo, March 15, 2017
New South Bronx waterfront development has residents asking who it's for
Curbed, by Patrick Sisson, March 14, 2017
Helen Marshall remembered as champion of libraries
Times Ledger, by Bill Parry, March 09, 2017
Marshall lauded as a kind, gentle spirit
Queens Chronicle, by Anthony O'Reilly, March 09, 2017
What would it take for a Republican to flip City Hall?
Crain's New York Business, by John William Schiffbauer, March 09, 2017
Sharp decline in New Yorkers taking high school equivalency exam
Albany Times Union, by Bethany Bump, March 07, 2017
Former Queens Borough President Helen Marshall Dies at 87
DNAinfo, by Ewa Kern-Jedrychowska, March 06, 2017
Helen M. Marshall: Trailblazer In Queens, Dies at 87
Patch.com, by Ali Kucukgocmen, March 06, 2017
Number Of Long Islanders Taking High School Equivalency Exam Plummets
WSHU Public Radio, by Alicia Bermudez, March 06, 2017
The city's booze business is back, and the whole state is catching the buzz
Crain's New York Business, by Cara Eisenpress, March 05, 2017
Helen M. Marshall, First Black Borough President of Queens, Dies at 87
New York Times, by Christopher Mele, March 05, 2017
Fewer city residents are taking high school equivalency exams
New York Post, by Selim Algar, March 03, 2017
South Bronx's First Chipotle to Open This Month
DNAinfo, by Eddie Small, March 03, 2017
Number of New York adults passing high school equivalency test falls by half
Syracuse.com, by Julie McMahon, March 03, 2017
Report: Plunge in students seeking high school equivalency diplomas
Newsday, by John Hildebrand, March 02, 2017
Report: Equivalency test participation drops in Schenectady County
The Daily Gazette, by Zachary Matson, March 02, 2017
Report: sharp drop in high school equivalent degrees
Democrat & Chronicle, by Justin Murphy, March 02, 2017
De Blasio Says Cross Bronx Expressway Is his 'White Whale'
DNAinfo, by Eddie Small and Jeff Mays, February 22, 2017
Mayor de Blasio announces $1M investment in expansion of city program that links students with jobs
New York Daily News, by Ben Chapman, February 22, 2017
One Woman's Mission To Open The Only Bookstore In The Bronx
Fast Company, by Eillie Anzilotti, February 22, 2017
Turning Oreo Cheesecake into Dough in the South Bronx
WNYC, by Sophia Paliza-Carre, February 22, 2017
Advocates: City Needs Modern Gas Lines More Quickly to Prevent Another Harlem Explosion
NY1, by Michael Herzenberg, February 17, 2017
Is Sunnyside Yards a Beacon of Affordable Housing and New Development? Perhaps.
Commercial Observer, by Terence Cullen, February 15, 2017
NYC Mayor Bill de Blasio Pledges 40,000 Jobs in Four Years
Next City, by Rachel Dovey, February 14, 2017
The ugly truth about your takeout: NYC's delivery workers are often exploited and underpaid
Business Insider, by Caroline Praderio, February 13, 2017
Can't pay up: Payless Shoes may shut down 1,000 stores
The Real Deal, by Kathryn Brenzel, February 10, 2017
Entrepreneur Hub Hopes to Spur South Dallas Economy
Next City, by Johnny Magdaleno, February 03, 2017
Stock market surge will benefit Long Island, experts say
Newsday, January 26, 2017
Trump's sanctuary cities executive order denounced by de Blasio
amNewYork, by Alison Fox and Ivan Pereira, January 26, 2017
'State of the Chains' shows 4.2 % growth
Bronx Times, by Patrick Rocchio, January 21, 2017
Self-storage industry gears up for a fight with de Blasio
Crain's New York Business, by Rosa Goldensohn, January 16, 2017
15 trailblazing urban innovations
citiscope, by David Hatch, January 10, 2017
The Long View: Why a tech crash could rattle NYC's RE market
The Real Deal, by Konrad Putzier, January 04, 2017
Big Ideas for the Big City
NY1, December 27, 2016
Report Shows Barriers, Offers Solutions for Non-Traditional Higher-Ed Students
Gotham Gazette, by Luke Foley, December 22, 2016
Harnessing Technology and Innovation to Save the World's Cities
Newsweek, by Alexander Nazaryan, December 22, 2016
Measuring the Inequality Factor of NYC's Success
Next City, by Johnny Magdaleno, December 16, 2016
Tech is moving beyond cities to focus on civic engagement in every U.S. county
Tech Crunch, by Hollie Russon Gilman, December 14, 2016
Dunkin' Donuts and Dollar Tree Stores are Proliferating in The Bronx
DNAinfo, by Eddie Small, December 13, 2016
New owner to shut down Bronx factory, move jobs to Indiana
Crain's New York Business, by Matthew Flamm, December 12, 2016
Somehow, It's Even More Impossible for New Yorkers to Avoid Dunkin' Donuts in 2016
Grub Street, by Clint Rainey, December 09, 2016
National Chain Stores Decline In Manhattan
GlobeSt. , by Rayna Katz, December 09, 2016
No People in Sight Yet, but South Bronx Gets Ready for Development
New York Times, by Winnie Hu, December 09, 2016
National Brand Are Slowly Leaving Manhattan for Outer Borough Frontiers
Bisnow, by Benjamin Mazzara, December 09, 2016
Eleven retail chains have left New York City this year
Crain's New York Business, by Gerald Schifman, December 08, 2016
Number of Chain Stores Drops on the Lower East Side in 2016
The Lo-Down , December 08, 2016
National chains ditch Manhattan and head for the outer boroughs
Curbed, by Rachel Sugar, December 08, 2016
Retail Chain Stores in Bushwick Are On the Rise, Report Indicates
Bushwick Daily, by Magdalena Waz, December 08, 2016
Starbucks and Dunkin' Donuts are leading the retail chain takeover of NYC
Fast Company, December 08, 2016
How many chain stores are there are on Staten Island?
Staten Island Advance, by Tracey Porpora, December 08, 2016
Chain stores flock to outer boroughs while locations drop in Manhattan
The Real Deal, by Kathryn Brenzel, December 08, 2016
Dunkin' Donuts is largest chain store in NYC; expands in outer boroughs, report says
amNewYork, by Tobias Salinger, December 08, 2016
The Fight to "Age-In-Place" in New York
Medium, by Emily Dugdale, November 29, 2016
Lessons From Small Business Saturday 2016: Engage Local Influencers To Kick Off A Successful Holiday Shopping Season
Forbes, by Sante Antonelli, November 28, 2016
'Economic Tsunami': Fearing Donald Trump, Immigrants in New York Spend Less
New York Times, by Liz Robbins, November 23, 2016
Facing Reality, City Leaders Reassess 'Trump Effect'
Gotham Gazette, by Samar Khurshid, November 23, 2016
A female CEO who's paving the way for others in a male-dominated industry
PBS News Hour, November 21, 2016
OCECM To Re-evaluate Street Fair Rules
Queens Gazette, by Richard Gentilviso, November 16, 2016
Civic Innovation In The Age Of Trump: Effective, Scalable, Exportable Ideas
Fast Company, by Ben Schiller, November 16, 2016
Startups, Hipster Market Drive Resurgence of New York City Manufacturing
EBN, by B. Cameron Gain, November 15, 2016
Report finds NYC lacking strategy for helping start-ups grow
Real Estate Weekly, November 09, 2016
Plan to Rein In New York's Street Fairs Prompts Unexpected Backlash
New York TImes, by J. David Goodman, November 08, 2016
There Will Soon Be Zero Bookstores In The Bronx
Gothamist, by Josh Keefe, November 03, 2016
Study finds larger businesses pay better, so city should help small ones grow
Crain's, by Joe Anuta, November 02, 2016
Few immigrants work in the city's entertainment scene
Crain's, by Gerald Schifman, October 29, 2016
Four Years After Sandy, NYC Businesses Still Need Help With Disaster Readiness
Next City , by Johnny Magdaleno, October 28, 2016
Queens Immigrant Workers' Impact On Economy
Queens Tribune, by Ariel Hernandez, October 20, 2016
How can cities save their small businesses?
Curbed, by Patrick Sisson, October 17, 2016
Gigabit: Why Westchester and not the Big Apple?
The Journal News, by Avram A Billig and Jorge Fitz-Gibbon, October 07, 2016
How Immigrants Shape NYC's Economy
Next City , by Kelsey E. Thomas, October 07, 2016
Half of all working New Yorkers are foreign-born: Study
Metro, by Kimberly M. Aquilina , October 07, 2016


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Did you forget about Headshot Happy Hour? Nooooo! You wouldn't dream of forgetting about it. No way! Well, just in case, go right now and write it down in your calendar. You know, just in case. (wink wink)
Keep reading.... I've got an exciting new addition to HSHH and I can't wait to tell you!
NEW ADDITION! (here it is, incase you missed the ALL CAPS and BOLD type.)
There will be a makeup artist on hand to touch you up before you step in front of the camera. My new friend Sandra Hoeft, an Independent Sales Director with Mary Kay, will be offering complimentary makeup touch ups. This is a fantastic little benefit for you, especially if you are coming straight from work. (Thanks, Sandra!)
Got questions about Headshot Happy Hour? Email me and I will answer you. (Promise, swear.)
My next HSHH post will be all the FAQs about all the things you might (or might not) be wondering.
Until then.... let's plan to see each other next Wednesday!


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Colorado Could Soon be Getting a Ski Train to Winter Park
From 1940 to 2009, there was a train that would carry skiers the 62 miles from Denver to Winter Park. With the help of a $1.5 million state grant, we may see the train reopen.
According to the Coloradoan, the grant from the state doesn't mean the train is a certainty, it is just a sign that the state is in support of the proposed project. The added ease of getting skiers from a major metropolitan area to the resort would be a huge boost to their economy.
The original ski train shut down in 2009 due to cost, and the current tracks are owned by Union Pacific Railroad, and the train service would be run by Amtrack. The targeted date to start up service (if this becomes a reality) would be January 2017 and representatives have stated that the state grant is a "key step" to reinstituting regular service.


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Lindenwood Doubles Up and Goes Back To Back
Lindenwood avenged their loss to Penn State yesterday, to claim their second 7s National Title in as many years.
Glendale, CO.- Lindenwood avenged their loss to Penn State yesterday, to claim their second 7s National Title in as many years, in addition to their XVs national championship that they won two weeks ago.
Both teams advanced to the Championship match after putting in impressive shifts in their semi finals. From the first whitle both were ready to go for a championship match, that promised to be a memorable one. Early it was all Penn State, they were moving the ball up field through impressive backline moves aided by ill discipline by Lindenwood. However, while they were able to move the ball into threatening positions they were unable to capitalize and let opportunities go begging. Lindenwood, eventually tightened things up and were able to start attacking, probing and testing the Penn State defense. In the 4th minute it cracked when Nika Buyten hit a hole hard streaked away from the Penn State defense. From there it didn't take Lindenwood long to strike again, and double their lead to ten before the break.
Coming out of half time it looked as though the next try would have a direct impact on which team would win the game. Penn State was looked tired and need inspiration, Lindenwood could smell blood in the water. In the 9th minute it was the Lions that seized an opportunity courtesy of Ariana Lewis and extended their lead to fifteen points. Penn State did not go down without a fight and continued to look for ways to break through the Lindenwood defense, but it would not bend. In the 12th minute the Lions crossed once more and took the result beyond doubt. Lindenwood shutting Penn State out to win the 2017/18 USA Rugby College 7s Women's D1 National Championship, 20-0.
Lindenwood opened their second day of competition against a formidable Life team. In a game that went down to the wire, it was impossible to separate the two teams. The match had four lead changes, Life that got on the board first breaking the deadlock in the fourth minute. Lindenwood answered right back and crossed the line twice before the half to lead 10-7 going into the break. The second half started in similar fashion to the first with the first four minutes being scoreless as teams jockeyed for position. As it was in the opening stanza, Life got on the board to first and reclaimed the lead 14-10. The game continued to develop and teams continued to ask questions, of the defense but were unable to convert. That was until Lindenwood found a hole as the final siren went and scored the winning try to book their place in the championship game. Lindenwood advancing 17-14.
Early in the day Penn State looked to be the comfortable favorites, after progressing successfully through an immensely tough schedule in pool play, they opened their second day of competition against Army. From the first whistle to the last it was Penn State's game. They opened up with 31 unanswered points and were lead by their capped Eagles, Tess Feury and Kayla Cannett who contributed, a combined, 19 points to their team's tally for the game. Penn State Advanced 36-12.
Women's D1 Final ResultsShield Final: Davenport 27-10 Dartmouth
Bowl Final: Central Washington 34-12 Harvard
3rd Place: Life 22-21 Army
Cup Final: Lindenwood 20-0 Penn State


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Dining Out Dish Report: The Optimist
From earlier reviews, you know how I love The Optimist (here and here). Still, Billy and I were there recently, and I feel the need to add one more recommendation to your dining list: The shrimp a la plancha. I'm not sure if Creative Loafing will do another "Best Dish" list, but if they do, this should be on it (appetizer section!).
The menu describes the whole Georgia shrimp as being served in "sopping' toast, arbol chile butter, lime." While this is accurate, it barely captures the deliciousness.
The cream sauce is perfection, being neither too rich nor too light. The sopping toast is a VERY hearty bread which requires a knife and fork for eating.
Plan on having messy fingers and remember "whole shrimp" means you have to remove the head and peel the shrimp yourself. If you haven't done this before, it's not as disgusting as it sounds. While the endeavor IS messy, the flavor is absolutely worth the effort.


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October Rain
10/2 - 0.4 inches
10/3 - 0.2 inches
10/4 - 0.1 inches
10/5 - 0.3 inches
10/6 - 0.25 inches
10/11 - 0.5 inches
10/12 - 0.125 inches
10/16 - 1.75 inches
10/19 - 0.125 inches
10/20 - First (light) snow of the season
Saturday 10/5: We have a very large storm system covering much of the central US. it stretches from Texas to Michigan. Our home has actually not received very much rain compared to our neighbors to the south in Nebraska and Iowa. Our neighbors to the west in North & South Dakota have gotten their first major snow storm of the 2013-2014 season. Lead, SD has received 43.5 inches of snow so far Friday & early Saturday.
Sunday 10/20: The first snow of the season has arrived. It is intermixed with rain and converting back and forth as the wind moves the waves of moisture through the area. The thermometer at the house says it is 36.5F near the house so it is probably colder than that outside away from the house. The flakes are big and wet and impacted the visibility while driving. The ground is too warm for anything to last right now but it is a sure sign that things have really cooled off. The boys are headed to play paintball later today near Rockford, MN.


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There's considerable discussion regarding how football players' brains are affected by minor, repetitive collisions that occur throughout a game, not just from the hits that result in concussions. But a new study out of Indiana University suggests that football players' brain activity may appear altered because of brain reorganization that occurs when mastering hand-eye coordinations unique to contact sports, and not necessarily because of subconcussive hits.
The study took 21 football players and 19 cross-country runners and scanned their brains using fMRI. The football players did not already have a history of concussions. Eleven students who were not athletes were also studied. All of the study participants underwent a simple visual assessment known as smooth pursuit, which is designed to use eye movements to probe brain functioning and has been demonstrated to show reduced performance in concussed patients.
No differences were found in how each group performed the task, but the fMRI results revealed differences in the brains of the football players compared to the cross-country runners and non-athletes, with the most visible differences in activity occurring in the part of the brain responsible for visual processing.
"We focused on these brain regions because physicians and trainers regularly encounter large deficits in players' ability to smoothly track a moving point with their eyes after suffering an acute concussion," said Nicholas Port, an author on the study and a professor of optometry at Indiana University Bloomington.
"Everyone from musicians to taxi drivers has differences in brain activity related to their specific skills. The differences in this study may reflect a lifetime exposure of subconcussive blows to the head, or they could simply be the result of playing a visually demanding sport where you're constantly using your hands and tracking the ball."
The report's conclusion noted two prevailing possibilities:
Greater cerebellar activity among football players while performing an oculomotor task could indicate that they are working harder to compensate for some subtle, long-term subconcussive deficits. Alternatively, top athletes in a sport requiring high visual motor skill could have more of their cerebellum and FEF devoted to oculomotor task performance regardless of subconcussive history. Overall, these results provide little firm support for an effect of accumulated subconcussion exposure on brain function.
Each of these findings, albeit incomplete, presents a unique approach to understanding the role of subconcussive hits in contact sports. The former could mean that as contact athletes sustain those hits, their brain adapts in a manner that changes their visual processing ability. The latter could mean that even without repeated hits to the head, contact athletes practice hand-eye coordination so frequently that their visual processing centers show different activity compared to those of non-contact athletes.
You can read the full report of the study here.
SportTechie Takeaway:
It's too bad the researchers compared football players to cross-country athletes, and not to athletes in another sport with less potential for head trauma but more demand for the type of hand-eye coordination they noted. Soccer, basketball and baseball come to mind. The report notes that a "possible method for surmounting this difficulty would be to repeat this study with a within-sport design, using accelerometer data to differentiate those who experienced greater and lesser hits to the brain during the season." A study including flag football athletes might provide the ideal "within-sport design" the researchers suggest.
Suggested further reading (listening):
Examining Brain Functioning In Athletes With SyncThink's Scott Anderson


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Sustainable Population Australia
An independent not-for-profit organisation seeking to protect the environment and our quality of life by ending population growth in Australia and globally.
The future is something we create.
Download and listen to the full article at ABC Radio National, "Background Briefing" at
Pratt, it seems, was not just corrupt himself but a major corrupter of others through bribery and intimidation. Ex-PMs Fraser, Whitlam and Hawke, according to the Age, were on the Visy payroll. (It does not mention that a more recent ex-PM Kevin Rudd was embarrassingly compliant, even visiting the dying Pratt and temporising with his demand that charges against him be not merely dropped but declared untrue.) A huge issue of politicians being "retrospectively bribed" by the business community is opened up by these revelations.
Tony Jones opened by saying that Mark Latham had belled the cat by pointing out that you can't propose to limit population unless you can limit immigration. So why wouldn't the government promise to limit immigration? Jones to his credit kept the debate on population and immigration rather than sliding across onto asylum-seekers in the way for which Q&A is notorious. (A common pattern with Q&A is that, whatever the nominated topic, before long the conversation gets on to asylum-seekers and tends to stick there.)
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0434 962 305
Click here to email us
This website was built, is owned and maintained by Sustainable Population Australia Inc. (SPA). For any technical issues relating to the website, please contact the SPA webmaster using firstname.lastname@example.com . SPA is a not-for-profit organisation.
Content here is licensed under a Creative Commons Attribution-Share Alike 2.5 Australia Licence. Some rights reserved. Most articles are the personal copyright of their authors. Use of our website is governed by our Privacy Policy & Comments Policy.


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Summer portfolio
If you want to order a summer photo session call this number + 7 916 900 2000
A stroll in Tsaritsyno Park
At times something goes wrong. It seems that summer has come to an end. The streets are dark and the cold wind is setting its own rules. But if you desire something a lot...
Sonechka and Valya
It must be one of my most gentle shootings. The thing is… they are so, all four of them are so magical. The family, where no one argues with each other. In this family father does not stay at work late as his folks wait for him. You look at them – and time stops.
Sasha and Dasha
Oh, what a great day it was! A true, big family shoot. To forget about photographer, city and just dive in the summer and childhood.
There is no doubt I have a wonderful job, it is filled with positive moments. This time it was an international family, the union of Russia and New Zealand, nature and sunset colors. I hope that in future living so far in such an incredible country, our characters will look at these photos again and again with a great pleasure.
Alenka and the summertime
When you meet people who are destined for each other – you feel this at once. And it is easy to photograph them – you should not interfere with it, that's it. The rye and sunflower fields, the heat and sunset`s glowing – a summer photo session for Alena, Artem and Masha.
Oleg's summer
It was a good summer… Oleg spent his time visiting his grandmoms and I gathered strawberries, shot grandmothers and grandfathers and did my best to capture the summer mood. As an outcome, we have this album and a photo book about Oleg`s summer.


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Groundwork Athletics is pleased to be offering fitness programs to all of Vancouver's Finest!
Vancouver fire department Capt. Gabe Roder works out in the makeshift gym at Fire Hall No. 1 Friday. Council is to vote next week on plans to buy new gym gear
Vancouver's 750 or so firefighters will be watching Tuesday to see if city council agrees that having them in top physical shape is worth the price of supplying every fire hall with modern fitness and exercise equipment.
The money -- $414,000 -- will also pay for a program to train some firefighters as fitness instructors to help their comrades get the most out of the equipment.
The city's share would be half -- $207,000 -- with Vancouver Firefighters Union Local 18 picking up the rest.
"We certainly hope they approve it," said union president Gord Ditchburn, a firefighter at No. 3 Hall at 12th and Quebec.
Other fire departments in Metro Vancouver such as Burnaby and Coquitlam already supply exercise equipment, Ditchburn said.
"Vancouver won't be unique. Virtually ever other department except Vancouver supplies some form of exercise equipment," he said.
"The benefits are obvious. If you have fit, strong firefighters they will perform better at the scene, there will be less injuries, less WCB claims, less sick-time off."
Ditchburn said that wasn't a criticism of the state of fitness of the department as a whole -- which he said is good -- but as personnel get older, they need constant workouts to keep in shape.
He said the union has looked after that in the past. Each of the city's fire halls has its own improvised gym, mostly containing antiquated equipment bought and paid for by the union. And it's up to each firefighter to keep him- or herself fit.
Until 2007, this self-motivated exercise was combined with playing basketball or handball near the fire hall while on shift, Ditchburn said.
But in 2007, the union was advised that firefighters would not be allowed to participate in such games because a number were being injured, causing them to miss work.
A report by city manager Penny Ballem recommends that 22 treadmills and 22 elliptical trainers be provided to the city's fire halls.
"The nature of firefighting and emergency rescue work requires staff to engage in periods of strenuous physical labour," her report said.
"They are inevitably required to carry out their duties at a moment's notice. ... Firefighters perform their work without the benefit of an actual warm-up period and, as a result, face increased risk of injury."
Ballem said the ban on games had frustrated firefighters, who were using worn-out fitness equipment supplied by the union.
The report said fire departments that adopted a formal fitness regimen had seen a 28-per-cent reduction in lost work days.
The union has hired Groundworks Athletics to design a fitness program and the plan is to train 80 firefighters as coaches so the program will be available at all times.
"When people come into the department they are in tremendous shape, but if you don't have the ability to work out you lose that," Ditchburn said.
"This program isn't about getting guys 40 pounds overweight into shape. It's about keeping fitness levels up."


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Regulations for the Safe Transport of Radioactive Material
– Specific Safety Requirements No. SSR-6 (Rev. 1)
As expected, the IAEA has published the 2018 amendment to SSR-6 as Revision 1 (SSR-6).
This Revision removes the term "radiation level" from Section 2 "Definitions," replacing it by "dose rate" to designate the dose equivalent per unit time (e.g. mSv/h). The associated changes to sections referencing the term throughout the document account for many of the other paragraph (para.) changes.
Also deleted from this edition are the requirements for testing LSA-III material for residual water activity below 0.1 A2 in the 7-day leachate test.
Table 2 "Basic Radionuclide Values" has been updated to include entries for:
Ba-135m, Ge-69, Ir-193m, Ni-57, Sr-83, Tb-149 and Tb-161.
Enter SCO-III
Perhaps the most significant change is the expansion of surface contaminated objects (SCO – "a solid object that is not itself radioactive but which has radioactive material distributed on its surface") to add SCO-III provisions in the regulation. The Table 1 list of UN numbers, proper shipping names and descriptions now includes SCO-III to SCO-I and SCO-II for UN2913.
In addition to meeting the general requirements for the SCO designation, SCO-III objects are defined in para. 413(c) as a large solid object that is too large to be transported in the type of package described in SSR-6. There are other criteria to be met regarding sealing of openings, insides being as dry Continue Reading…


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Lower Your Blood Pressure with�Chocolate
Saturday, June 27 2009 @ 01:10 pm EDT
Contributed by: Don Winner
Views: 5,114
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Welcome to Panama Guide
Lower Your Blood Pressure with�Chocolate
Saturday, June 27 2009 @ 01:10 pm EDT
Contributed by: Don Winner
Views: 5,114
By: Melanie Grimes for HealthNews.com - With one in three Americans suffering from high blood pressure, chocolate could be the new wonder drug. Harvard University studied a tribe of Indians from a Caribbean island off Panama who have perfect blood pressure numbers and a lower incidence of death from heart attacks and strokes, diabetes and cancer. The Kuna Tribe - What is their secret? The Kuna tribe members drink five cups of cocoa each day. Researchers are investigating the tribe, their diet, and the effect of chocolate on their health. They have discovered that chocolate has a relaxing effect on blood vessels, allowing for better blood flow due to the presence of flavanoids. Flavanoids are a type of antioxidant and chocolate is one of the best sources. Researchers suspect that the flavonols stimulate the production of nitric oxide, which increases blood flow and acts as a blood thinner. Nitric oxide also stimulates insulin production so chocolate may be an aid to diabetics, as long as the chocolate contains no damaging sugars. (more)
Check Out The Dolce Coffee House on Via Argentina
Sunday, June 14 2009 @ 12:20 pm EDT
Contributed by: Don Winner
Views: 6,230
By Clyde Jenkins for Panama-Guide.com - I had a very, very pleasant surprise a couple of days ago. I had been given the name of a restaurant that had a book exchange and decided to go there, have lunch and exchange some books. Lo and behold, my old buddy Mike Hinton was sitting on the patio in front with his lovely wife Ilsa. The owner came out and gave me a big hug and a kiss, she was none other than Angel Bakx who I hadn't seen for a couple of years. As soon as I saw Angel, I knew the food was going to be great as I had had Thanksgiving dinner at her home the last time I saw her and it was absolutely marvelous. Now I could go on and on about all the lies that Mike and I swapped and the memories that Angel and I shared, but I'll try to keep this short and get right to the point, which is; You've got to try Angel's restaurant "Dolce Coffee House" on Via Argentina, right below the Subway restaurant. It has a patio in front with lots of ferns. Angel is Canadian from an Amish background, so you know that her food has to have the flavor of the countryside. I had the bratwurst with sauerkraut and it reminded me of when I was a kid and some of my mom's cooking (she was of hardy German stock). And then I finished off with homemade apple struddle where you could actually taste the apples and not just the sugar. The next time I go, I'll have breakfast with real honest to god hash browns. She makes her own soup and muffins. Dolce Coffee House is unique in Panama, there's no other place like it. It is a wonderful place to meet friends, both old and new. It's kinda like going home it`s so cozy and friendly. And strangely for Panama, the service is great. You can`t help but notice that Angel really cares for her clientele, she is truly a chef with a heart. And she has books, books and more books. She also has a lot of audio books. While I was there I was thinking that this is a great place for us old farts, but I noticed that half the customers inside were lovely young college students. There are seven table inside and four tables on the patio which suits me just fine as I am a smoker. She also has a full liquor license. I think the most expensive thing on the menu is $7.00. Dolce is closed on Tuesday, and open from 8 to 10 except on Sunday when it closes at 6. You owe to yourself to at least stop by and take a look. I think you may very well find a new favorite restaurant. Clyde.
Copyright 2009 by Clyde Jenkins for Panama-Guide.com. Go ahead and use whatever you like as long as you credit the source. Salud.
La Posta - Fine Dining in Panama City
Friday, March 27 2009 @ 05:39 pm EDT
Contributed by: Don Winner
Views: 9,607
The ambience in this elegant 1950s Havana Style house is classic Caribbean. La Posta has a gorgeous tropical d�cor, ceiling fans spinning over the rattan chairs, white tablecloth, colorful tile floors, palms and waiters in Guayaberas (traditional pocketed tops). Although elegant, the restaurant does not feels pretentious. There is usually Cuban music playing, and the shiny, hardwood bar stretching down one end of the dinning room is the perfect place to start with a cocktail. La Posta is the work of the New York restaurateur David Henesy, who did the popular La Vitrola in Cartagena de Indias, Colombia. La Posta has become the �place to go� in Panama City. The menu is an innovative mix of Latin Ametican flavor with a good measure of European influence. David Henesy & Ruben Ortega Vieto (Chef) are passion with the development of local products, La Posta serves, filet mignon from Chiriqui, Cobia fish, from the Caribbean side of Panama, Yellow Fin Tuna (cached by hand) from Chiriqui and many other ingredients. Some of the most popular dishes are, for starters, Octopus Three ways, Tuna Sliders or the Chiriqui beef Carpaccio with sauted artichokes and hot pistachios. Main Course, Jumbo Shrimp passion fruit essence, home smoked bacon & hearts of palm, or the double cut chiricano pork chop, wood roasted and scotch bonnet pepper glaze. La Posta is very well priced for such a lovely experience. Is always better to make reservations. Reservations can be made by tel. 2691076 or 66784052, by email, firstname.lastname@example.com. For additional information : www.lapostapanama.com
Q: Breakfast at 4:00 am On A Layover?
Thursday, October 30 2008 @ 02:12 pm EDT
Contributed by: Don Winner
Views: 2,621
By DON WINNER for Panama-Guide.com - Received today via email: "Hi Don. Love the Panama Guide. Look forward to reading daily. I've got a 3.5 hr layover at 4 AM on a Tuesday. Looking for someplace to grab a bite at that time of the morning between PTY and Albrook. Any suggestions? Can't wait to get back to some tropical weather. Starting to cool down here in Colorado. Thanks in advance, Joe" Thanks, Joe. If you're arriving in the middle of the night and then connecting to the interior out of Albrook, I would suggest hitting the Niko's Restaurant in Balboa for an early morning breakfast. They're located relatively close to the Albrook airport and like all Niko's they are open 24 hours a day. It's kinda hard to describe where they are if you don't already know so I'm going to have to give you some Panamanian style driving directions. (more)
Tapas Aragon in El Cangrejo
Friday, October 03 2008 @ 07:48 am EDT
Contributed by: Don Winner
Views: 4,661
By Clyde Jenkins for Panama-Guide.com - I had written earlier about the difference between just eating and fine dining. So when Don Winner asked me to do a review of Restaurante Tapas Aragon, a Spanish restaurant located in El Cangrejo on Calle D, about a block from the front of the Hotel Veneto and next to what used to be the Expat Center, I was gearing myself up for finding a category somewhere between the two experiences. Boy was I pleasantly surprised. Gina, my hot little Colombiana novia (age 50) and I were greeted by the owner Miguel Sastre last Friday night. I was mildly surprised, the place is small, but simple and elegant. No pretensions or ostentation, just simple understatement. There are only seven table inside which makes it very cozy and intimate with two more tables on a patio, which is a big bonus for smokers like me. (more)
Popeyes hopes third time is charm in Panama
Thursday, October 02 2008 @ 01:29 pm EDT
Contributed by: Don Winner
Views: 4,742
qsrweb.com - Chain Leader: Popeyes is hoping food industry veteran Jey De Leon is the franchisee who can build the concept's brand in Panama. De Leon's company, Landmark International Holdings, is the third owner of the six-unit franchise since the Cajun chicken chain opened its first restaurant in Panama in 2001. De Leon has agreed to open 10 Popeyes over the next four years. To succeed, the chain particularly needs to boost brand presence and take advantage of the country's economic prosperity.
Rino's Ristorante - Fine Italian and International Cuisine
Wednesday, August 27 2008 @ 12:40 pm EDT
Contributed by: Don Winner
Views: 16,788
It�s been over 40 years since Mr. Alberto Tamburrelli, a humble Italian immigrant, arrived to Panama planning to offer this country the finest of Italian Pastry. With lots of dedication and effort, the Tamburrelli family and all their collaborators, � Dulcer�a Capri� (Spanish for Capri Pastry Shop) became what is known today as Tamburrelli Pizzeria & Pastry. The oldest son, Rino, has decided to put all his culinary influence and his particular style to the restaurant that bears his name.
Mongolian BBQ at Shamrock with the Elks and AMSOC
Friday, August 08 2008 @ 09:42 am EDT
Contributed by: Don Winner
Views: 3,508
By DON WINNER for Panama-Guide.com - Back when the US military was operating in the former Panama Canal zone they used to hold regular "Mongolian BBQ" nights at both the Albrook and Rodman Officer's clubs. Tonight at the Shamrock Restaurant in Ancon the Elks Club has invited the members of the American Society of Panama to participate in a kind of first ever joint party to recreate some of that fun. If you've never been to a Mongolian BBQ, the concept is basically a kind of like "create your own stir-fry" by selecting what you want to eat from a wide variety of raw materials - and they cook it up for you right in front of your eyes (it's great and fun.) If you're not interested in the whole Mongolian BBQ thing the restaurant will also be serving their regular menu. The party is tonight, 8 August 2008, starting with a happy hour from 5:30 to 6:30. There will be music provided by DJ Wolff starting at 7:00 pm. The Elks Club and Shamrocks is located in Balboa is located across from the St. Mary's church and the cost is $5 per person (sounds too cheap, I don't think that includes the food.) Normally in a Mongolian BBQ they weight the raw materials before its cooked and the price you pay is based on the weight. In any case, even if you're not a member of either the Elks or the AMSOC, it might be a good opportunity to come out and meet some people.
Copyright 2008 by Don Winner for Panama-Guide.com. Go ahead and use whatever you like as long as you credit the source. Salud.
Gourmet Coffee Eats Into Panama Forest
Saturday, July 26 2008 @ 02:48 pm EDT
Contributed by: Don Winner
Views: 2,359
By Andrew Beatty (Reuters) - PANAMA CITY - Panama's gourmet coffees fetch record prices for their prized flavors but the strong demand is convincing some growers to clear land illegally and plant in one of the country's few protected highland forests. Last month, Panama's Environmental Protection Agency discovered 40 acres (16 hectares) of clandestine coffee trees nestled deep in the Volcan Baru National Park, sparking fears that more forest could be cleared as prices rise. The nature preserve is ringed with coffee farms growing the country's "geisha" beans, often described as the champagne of coffee for their subtle jasmine-like taste highly sought after by boutique roasters from North America, Europe and Japan. (more)
Seafood Market Closed Monday for Cleaning
Sunday, May 04 2008 @ 12:32 pm EDT
Contributed by: Don Winner
Views: 3,493
Panama America - The municipal Seafood Market in Panama City will be closed this Monday, 5 May 2008, for cleaning. The work will start at 6:00 am and will continue until 6:00 pm, and during that time the seafood market will be closed to the public. The dates for these cleanings were decided during a meeting held between the administration of the market, the vendors, and the municipal office of Health.
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Final Thoughts on Cheers to Belgian Beers
In no particular order, a few random observations, opinions, and questions about this year's edition of the fest...
- The glasses rocked. I have boxes of old glasses from other fests. None has been upgraded to my regular beer-glass rotation, but this one will. Classy shape, good size, cool logo, an an absence of sponsors or other unwanted signage.
- What happens if a non-Portland pub wins the event? Are we off to Astoria or Corvallis next year?
- All beers must be made with the same yeast. Last year, I voted for a brewery (Full Sail) that didn't use the selected yeast. (They eliminated that problem this year with an official ballot.) This year, a pretty decent number of the beers weren't made with Inglemunster. Breweries like Upright, which didn't exist when the event was set, get an exemption.
- More volunteers. For the first couple hours on Saturday, there were two guys manning every tap in the fest. Two! I know this thing is only a semi-official fest and that the proceeds go to charity. Still, seems like they could muster a couple more folks.
- On the other hand, the fest was an amazing value. The glasses were only five bucks--you'd pay at least that in a store--and the pours were just a buck. Given that most of the beers were north of 7%, your buck went pretty far.
- The idea of compelling breweries to select a general quadrant (strong/mild and light/dark) was a good start. It effectively resulted in a number of different beers. Two things would improve it more: use a more versatile yeast (my vote: saison), and give breweries at least six months to brew their beers. Even better, start right away. Breweries might even have a chance to try a few different batches if you gave them a year.
- What happens when they run out of yeast strains to try? Is this event doomed to sunset? (Or do we just go back to some of the ones we've already used?)
- Other reactions: Beer Around Town; Doc Wort, Brewpublic. (Holler if I missed one or if some of the usual suspects update their blogs with reviews.)


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To be or not to be…
While Hamlet's famous line contemplates life or death, mine is referencing a way of life. For the past eight years I have wanted to be an art teacher. After finishing my BFA in 2008, I started sending my resume out every time I heard of an opening in a three county radius. I have kept every rejection notice. I have been rejected over 80 times. So why do I keep at it? Hope. Want. Need.
Coming from a poor family, I was always taught to work hard and to always have hope. I want to be in a classroom, making a difference in kids' lives. I need a higher paying day job in order to make ends meat. I used to love my current job, but lately because of my boss it has become nothing more than a paycheck, and a small one at that. A first year teacher makes about $10,000 more per year than I do. With that, we would no longer be living paycheck to paycheck, and we would be able to afford to have another child.
I have my resume in six schools currently. And this time, I am VERY hopeful. Why? Because this time, the county art coordinator knows I exist. And even better…he wants to meet me and view my portfolio. I owe this to my college photo professor. She knows him, and I thank her tremendously for putting him in touch with me. So wish me luck this week.
Posted on November 5, 2013, in What's going on, Work and tagged art, job search, teaching. Bookmark the permalink. 3 Comments.


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Releasing Control: Fostering Independence in our Kids
This is a contributor piece I wrote for Portland Mom's Blog. Read the full article HERE
I vividly remember the conversation. My friend and I were standing in my kitchen, joking about how tempted we were to make our six-year-old daughters drink out of sippy cups. Not because they didn't know how to drink from a regular cup, but because it ensured no mess to clean up. This conversation ensued just after my three-year-old poured milk from the carton into his cereal bowl, managing to get 80% of it in the bowl, and the rest on the counter. I've come to realize that in an attempt to control the mess and the chaos, my parenting strategies were focused on the small failures instead of celebrating numerous successes. I decided that it was time to release my grip of control and begin fostering independence in my kids.
It is Not About Me
It is uncomfortable for me to admit, but at times my parenting strategies shift based on who is watching. Truth be told, I am a recovering people-pleaser, and I am working hard not to hold such an elevated view of what others think of me. This journey to more wholeness has had a positive effect on my parenting. The narrative surrounding the mess in the kitchen and how that reflects on my worth as a mother, shifts from beating myself up for not keeping things clean and tidy, to celebrating the fact that my kids had a blast making an afternoon batch of jello. And they did it all on their own. Although their version of cleaning up has room for improvement, I am seeing how these opportunities to execute a task from beginning to end, aids in fostering independence.
Continue reading the entire article over at Portland Mom's Blog


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Hiring Payroll Service
Have you ever noticed that entrepreneurs outsource various financial responsibilities to outside firms? And have you wondered why do they do that? They do so because there are some incomparable advantages of hiring such agencies. The benefits of outsourcing are higher than the traditional methods. Every business has a number of options to outsource their business payroll service. Instead of allotting this task to a dedicated permanent employee, a competent bureau can look after all the payroll services and accountancy needs of your organization at a much cheaper cost. A few of the benefits have been mentioned under:
- a) Outsourcing saves money: When you outsource your payroll services in London, you save a lot of money and company resources. Imagine having to pay permanent salaries to a person every month. This money can be used for enhancing the chief operation of your organization instead of paying someone with the sole task of payroll services.
- b) Relieving stress: Handling both work and payroll headaches is painful. This gives lots of stress to business owners. Outsourcing helps the owner to focus completely on business expansion rather than getting entangled in tiny affairs.
- c) Avoid Penalties: Doing it yourself may sometimes result in late or incorrect filings. There are heavy penalties for such offences. Hiring a professional outsourcing firm can reduce such problems.
- d) Upgradation: A competent payroll bureau takes care of things such as using the upgraded software. It will keep your employees happy with on time deposit.
Today in the world of computers and software, the level of expertise has increased. Only competent agencies that keep updating themselves can help you with the necessary services. They can not only provide you the best compatible services at low costs, but also use the latest technology to support your business. See your company grow as your partner agency takes care of the different aspects of payments and see your employee's content at the same time for timely payments.
Payroll services are indeed additional accounting challenges. There has to be transparent transaction between both workers and employers for effective growth. An outsourcing consulting firm can definitely help in maintaining a decent friendly relation between both these parties. Dedicated agencies work closely with their clients, thus keeping in mind all their requirements and eliminating any kind of problems that they might have to face. Do not compromise, hire skilled professionals for your business and gain the most out of the outsourcing experience.


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dr. louis lyras
General Surgeon
Dr. Lyras received his medical degree from Ohio State University Medical College in 1978. He completed his residency in general surgery at St. Elizabeth's Medical Center and has been in practice and a board certified physician in Youngstown for over 30 years.
dr. brock generalovich
Plastic, Reconstructive and Cosmetic Surgeon
An experienced and dedicated professional, Dr. Generalovich possesses exceptional surgical skills. He is double Board Certified by the American College of Osteopathic Surgeons. Dr. Generalovich received his medical degree from Philadelphia College of Osteopathic Medicine University and completed his General Rotating intership at NOVA Southeastern University Sun Coast Hospital. He completed his General Surgery residency within the University of Pittsburgh Medical Center Hospitals, where he was Chief Resident. Dr. Generalovich then completed his plastic and reconstructive surgery fellowship within the Cleveland Clinic Health System, Rainbow Baby & Children's Hospital, and Metro Health Medical Center, where he served as Chief Resident. Dr. Generalovich also serves as assistant professor of Plastic Surgery at Ohio University College of Osteopathic Medicine and has been in private Practice since 2005.
Tamara Rees
Cosmetic Therapist
Tamara became part of the beauty industry in 2004, and with a background in sales, she saw the opportunity for growth by changing her career path. In October 2011 she formed The Lotus Spa. It started out as a small salon and grew to what is now a full service salon in Poland, Ohio. After receiving her Cosmetic Therapy License in 2014 from Ohio Medical Electrology Institute, she formed the Center for Hair Removal! Since that time she had noticed a growing trend for non-invasive skin treatments, and teamed up with Dr. Louis Lyras and Dr. Brock Generalovich. Together, they created Mirabella Medical Spa and Laser Center. She is so excited to bring to the Youngstown area these new and exciting services that will help men and women feel better about themselves, by assisting them present their best to the world! After all, we all want to look and feel a little younger!
Licensed Massage Therapist/Licensed Esthetician
Lisa's passion is not only helping people feel their best, but to look their best as well, and she is able to accomplish that through her dual licensure. The services she provides are described as personable, customized, therapeutic and effective. Lisa graduated from Raphael's School of Beauty Culture in Boardman, Ohio in 2016. She later completed her esthetics education from Manatee Technical College in Bradenton, Florida for Facial Specialist and Advanced Esthetics in 2017 and 2018, respectively. When Lisa is not working, she enjoys spending time with family, going on adventures in nature and embracing her spiritual life.


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The Air Accidents Investigation Branch (AAIB) has confirmed one person is visible in the video footage of the wreckage of the plane that was carrying Emiliano Sala.
Sala and pilot David Ibbotson were the only people on board the plane that disappeared on its way from Nantes to Cardiff on January 21 after the 28-year-old said farewell to his former team-mates upon completing a £15m ($19.8m) transfer to Neil Warnock's team.
The initial hunt for the aircraft was called off later that week, but it picked up again when thousands of people donated to a GoFundMe page set up to raise over €370,000 to fund an underwater search.
After seat cushions from the flight washed up on a beach in France last week, the plane was found in the English Channel on Sunday.
And the AAIB confirmed the following day that a body has been spotted in early video footage.
"Early in the search, the Morven identified an object of interest on the seabed using its side-scan sonar equipment," a statement read. "It cleared the immediate area for the Geo Ocean III to use its underwater remotely operated vehicle (ROV) to survey the area of the seabed in which the object was located. Based on analysis of ROV video footage, the AAIB investigators on board the vessel concluded that the object is wreckage from the missing Piper Malibu aircraft, registration N264DB.
"Tragically, in video footage from the ROV, one occupant is visible amidst the wreckage. The AAIB is now considering the next steps, in consultation with the families of the pilot and passenger, and the police."


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You have a God-given purpose!
Do you know why you were placed on this earth? God created you with a purpose, and He has a mission and destiny for your life. Your purpose is not your decision…it is your discovery waiting to be revealed!
The powerful lessons and exercises in this information-packed workbook help you discover who you are by:
~ identifying what makes you unique
~ reflecting on the moments and people that shaped your identity
~ embracing your gifts and talents
~ identifying your personality style
~ understanding your strengths and weaknesses
~ revealing what stirs your passion
~ writing a purpose statement
~ embarking on a spiritual journey that will change your life
Discovering your personal purpose is the beginning of a journey toward personal growth and success. Experience fulfillment and a deep sense of satisfaction in walking out God's plans for your life.
Let Dr. Janet Cook take you through the exercises and benefit from two decades of her counseling and pastoral experience. This workbook makes a great study course for small groups, church Bible studies, prison ministries, recovery groups, etc. A CD of this course being taught in a classroom setting is also available.
Discover the power of prayer to reveal God's plan.
Discover you are the workmanship of God.
Discover your personal purpose!
This listing is for a PDF download of the workbook that you can print on your own printer or read on your computer or tablet. Approximately 42 pages.


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If you're a first time buyer looking to get onto the property ladder your main focus is probably raising a deposit. And rightly so. The bigger the deposit you can put down the cheaper your mortgage will be. If you have a large deposit you're deemed less risky and therefore lenders will look upon you more favourably. However, there are other steps you can take to improve your chances of getting a mortgage too.
Boost your credit score
Your credit score is important. Lenders will use it to determine how you manage your finances and how you're likely to cope with a mortgage. Yet, despite how vital it is when it comes to seeking a mortgage or a loan, most people have no idea what their credit score is or if it's causing them problems. Start by checking your score using a credit reference agency. Most lenders use Experian or Equifax so these are good options. If your score is not looking great take steps to improve it. Cancelling any credit cards you don't use and making sure you're on the electoral register are good starting points.
Reduce your debts
A mortgage is a big commitment and your lender will want to know that you can manage your finances well enough to repay it. If you've got lots of debts your lender may think you're unable to manage. Furthermore, having lots of outgoings will seriously affect your affordability. Where possible, pay down any debts you have before applying for a mortgage.
Prove your income
If a lender is giving you a huge sum of money it wants to know you have the means to repay it and that means having proof that you have a regular income. Your lender will probably want to see six months of banks statements clearly showing your wages being paid in to your account. If you're self employed you'll need at least two year's of accounts. It's helpful to use a qualified accountant to ensure your documents are all in order.
Get expert advice
Taking out a mortgage is probably the biggest financial commitment you're ever likely to make so it's important to get it right. Enlisting the help of a qualified and experienced mortgage broker, like the team at We Know Mortgages, will help to ensure you get the most appropriate deal for your circumstances. If you're looking to take that all important first step on the ladder call in to our Piccadilly offices and see what we can do for you.
As a society, we're changing. We're living longer. We're more active in later life. And, though not always through choice, we're waiting longer to buy properties. And the mortgage market is finally starting to reflect that.
For many years mortgage lenders required borrowers to have paid off their mortgages by the age of 75 at the latest. This meant that borrowers in their 50s seeking a mortgage with a term of 25 years could struggle.
However, in recent years mortgage lenders have started to move with the times, recognising the changing face of our society and adjusting their criteria accordingly.
While some of the bigger lenders and high street banks have yet to address the issue, a number of smaller lenders have changed their age limits in recent months with building societies leading the way. It's now possible to take out a mortgage with a maximum age limit of 85 years subject to affordabilty.
This is a welcome move. Affordability is obviously key when it comes to borrowing. Nobody wants to see a return to the days of reckless lending that we saw in the run up to the market crash. However, affordability is not defined by age anymore. An income from employment is just one form of income. By assessing a client's circumstances and making a decision based on their affordability rather than using a blanket age limit lenders can ensure those borrowers who are able to repay a mortgage are not unfairly refused one.
If you're concerned about borrowing into retirement and would like to know what options are available to you call in and see us at We Know Mortgages for a chat.
You may have heard a lot in the press about 100% mortgages with some articles criticising such products and others applauding their return. But what exactly is a 100% mortgage and why are they causing so much fuss?
100% mortgages are simply mortgages which cover the whole of the purchase price of a property. Normally when buying a house a buyer will pay a portion of the property price direct to the owner as a deposit and get the remainder through a mortgage from a lender. The amount of deposit you put down determines the 'loan to value' ratio or LTV of the mortgage. So, for example, if you are buying a property for £100,000 and you pay £10,000 as a deposit (which is 10% of the price) you will need to borrow the other 90% from a mortgage lender. Your mortgage will therefore be 90% LTV.
With 100% LTV mortgages the borrower does not pay any deposit. Instead, in the scenario above, he would borrow the full £100,000 from a lender.
So what's the problem? Well, such mortgages are considered risky because (with interest considered) as soon as you take the mortgage out you'll find yourself in negative equity. In other words, you'll owe your mortgage lender more than your property is worth.
Such mortgages all but disappeared following the credit crunch but over the last couple of years they've started to re-emerge. There are now a handful of lenders in the market offering 100% deals.
The difference with the 100% mortgages of the post credit crunch world however is that they often require a guarantor – normally a parent – to essentially promise to be responsible for your debt if you fall into difficulty.
If you'd like to know more about high LTV mortgages or alternative options for buyers with small deposits come visit us at We Know Mortgages Ltd. We'll be happy to help.


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Come to this semi-furnished villa in which you will feel luxury. It has four spacious bedrooms that can be transformed into the owner's own liking. Personalize every corner with your own choice of furniture and colors!
You will enjoy your days in this villa with a lot of facilities like: sauna, steam room, your own parking space, satellite television, the internet, children's playground, fully-equipped gym, a common swimming pool, and 24-hour security to let you spend time with those who matter most. This villa is available for rent with 2000 BD from Weetas.
Use the Real Time Market Price to keep you updated with current market prices - from apartments, villas, and lands to office spaces.
There arerelated properties that you might be interested in.
Property descriptions and related information displayed on this page are marketing materials provided by Weetas. Weetas does not warrant or accept any responsibility for the accuracy or completeness of the property descriptions or related information provided here and they do not constitute property particulars. Please contact us for full details and further information.


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Armstrong Model 104 USA Student Flute
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6-Month* financing available.
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The classic Armstrong 104 closed-hole model is ideal for beginning students. Played and recommended for generations, this model is the first choice i...Click To Read More About This Product
Ideal for the serious student flutist.
The classic Armstrong 104 closed-hole model is ideal for beginning students. Played and recommended for generations, this model is the first choice in the American tradition for learning the flute. This silver-plated model includes a progressive-style headjoint, which flute teachers have chosen for its crisp response and ease of playing. Signature flat key cups prevent air leakage. Heavy plating and sturdy mechanism will assure that your student will play this model for years to come. The offset G mechanism is hung on a separate rod, allowing a sturdy mechanism.
- Keys: Silver-plated
- Arm: Y arm
- Footjoint: C foot
- Tubing: Silver-plated
- Springs: Beryllium
- Pads: Double Skin Pisoni
- Adjusting Screws: Under Mount
- Headjoint: Progressive style embouchure cut
- .016 wall tubing
- Body: .018 wall tubing
Musician's Friend Gold Coverage
Gold Coverage goes above and beyond the manufacturer's warranty to protect your gear from unexpected breakdowns, accidental damage from handling and failures. This plan covers your product for one, two, three or up to five years from your date of purchase, costs just pennies per day and gives you a complete "no-worry" solution for protecting your investment.
Gold Coverage Includes:
- Unexpected and unintentional spills, drops and cracks
- Normal wear and tear
- Power surges
- Dust, internal heat and humidity
Other plan features include:
- For products over $200, No Lemon Policy applies. If it fails for the same defect 3 times, it is replaced on the 4th breakdown. (Does not apply to failures due to drops, spills, and cracks)
- For products under $200 experiencing the above failures, a Musician's Friend gift card will be issued for the full price of the product + tax.
- Shipping fees covered if required for repair or replacement
- Plans are transferable in the event merchandise is sold
- Plans are renewable on new gear
*Limitations and exclusions apply. See terms and conditions (Opens in new window) for program details
Term for New Gear begins on date of purchase but does not replace the store return policy or manufacturer coverage.


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Looking for something fun to do with the kids … how about this London mini break to see Cinderella together with an overnight stay at a nearby Premier Inn!
The show runs from 16th Dec – 31st Dec, 2016 and is sure to be a fun day out for all the family…
To bag this offer from just £39 per person (inc tickets + hotel) you'll need to book your theatre tickets and Premier Inn stay on two separate websites. Use the orange buttons below to make your booking 🙂
Offer >>
- No booking fee offer on all performances!
Looking for somewhere to stay?
For just £36.50 for a family room, you and your family can stay overnight at the highly-rated Premier Inn – London Kew Bridge after the show and continue to soak up the festive atmosphere!
The Premier Inn – London Kew Bridge is just 2.4 miles from Chiswick House & Gardens. That's less than 10 mins in the car or 25 mins on the train!
- 22nd Dec, 2016 (same date as theatre tickets above)
- Family room – from £36.50 per person
- Premier Inn London Kew Bridge (2.4 miles from the theatre)
Offer details:
- Cinderella
- Tickets – £120 (family of 4 – can be tweaked)
- Premier Inn – London Kew Bridge (£36.50 for a family room)
- Duration is 1 Night – longer durations possible
- Shows on selected dates up until December 31st, 2016
- Chiswick House & Gardens
- Matinee and evening performances available
- Various Price Ranges
- Board Basis is Room Only – upgrade to B&B at time of booking
- Based on Family of 4 – Can Alter Party Size
Price breakdown:
- Theatre tickets – £120 / 4 = £30 pp
- Travelodge – £36.50
Total – £156.50 / 4 = £39 per person
About Cinderella:
These theatre tickets are being offered by our very own theatre ticket deals finder where you can choose your seat numbers before you book. It offers fast and secure online booking with no hidden charges!
This Christmas Chiswick House plays host to a remarkable event – within a Big Top in the beautiful walled garden will be a spectacular new stage production of Cinderella. This thrilling version of the classic tale combines an eclectic mix of first class performers. Expect dancing mice, an acrobatic lizard, ballerina snowflakes, a mind blowing illusionist and a live acoustic orchestra.
It will be beautiful, magical, classical, and great entertainment for all the family. Suitable for children of 3 years and above. There will be a fully licensed bar and loads of delicious Christmas goodies.
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The Internal Audit function is tasked with verifying the adequacy and effectiveness of systems, processes, procedures and control mechanisms put in place by the Management Company. The Internal Audit function is placed in a position of functional autonomy, reporting directly to the Board of Directors, and has been outsourced to the independent, third-party company, Nexen S.p.A. The Internal Audit function, in accordance with provisions of the Joint Bank of Italy-Consob Regulations dated 29 October 2007, continuously monitors the completeness, functionality and adequacy of internal control systems in relation to the nature and level of risks assumed.
By means of provision No. 19602 of 4 May 2016, CONSOB (Commissione Nazionale per le Società e la Borsa, the public authority responsible for regulating the Italian financial markets) set up the Arbitrator for Financial Disputes ("AFD") and ruled its operations, structure and procedure via AFD regulation implementing art. 2, paras. 5-bis and 5-ter, of Legislative Decree No. 179 of October 8, 2007 (the "AFD Regulation").
Wise SGR S.p.A. ("Wise SGR") joins the AFD.
The main information on the of AFD operation are shown here-below:
On the website www.acf.consob.it interested investors can find any detailed information on ADF, as well as the text of the AFD Regulation