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Given the stated intent of expecting the UGMAs be used for college, I agree with Andy's point about considering a 529 UGMA. Your oldest is 18 so the benefit of future investment gains growing tax-free and if used for college remaining tax-free may be limited. Also his time horizon is very short as an 18-yr old and if haven't yet, shifting to safer funds is prudent. Your other child has more time to benefit from this deferral. If your state has tax deductible 529 contributions that is another benefit that can more than offset any marginal fees a 529 plan must charge.
Another thing to factor into your decision...Many states allow for deductions against state income tax for contributions to their (state sponsored) 529 plan. Depending on your state and its income tax rate, this could add to the value of a 529 plan versus a taxable account.
Robert and Craig made some good points. Just to reiterate regarding the retitling of the account. The money in the account will legally become your son's and he can use it for whatever purpose he so chooses. (This is why UGMAs are sometimes called Ferrari funds…..). I assume this isn't the case in your situation. It is just a note for others who may be interested in your question and considering an UGMA.
On a related note regarding UGMA and college. In particular regarding applying for student financial aid, you may be aware of the EFC (expected family contribution) or the amount the family is expected to pay for a student's education. This is calculated based on a number of factors, including the student's assets and income, the families income and assets, the number of individuals in college and others item. (The FASFA is standard application for student aid and has you put in all this info. If you are unfamiliar with the student aid process, good sites include is finaid.org and savingforcollege.com). The point is: student resources are weighted more heavily against receiving student aid. The reasoning is, if the child has resources of their own, then the college financial aid dept expects them to use the assets toward college. Thus, if you are applying for student aid, consider how and when to use the UGMA account in order to maximize aid in subsequent years of school.
Another consideration to make is to transfer the funds in the UGMA to a 529 college savings account. There are some tax advantages to transferring the funds to a 529 and also there are benefits to help mitigate the student aid issue described above. To fulfill the UGMA trust, the 529 funds will eventualyl be under the control of the child when they reach the age of majority (18 in your case). However, because the funds in 529 are designated for college expenses, it can help prevent (but can't stop) the funds from drifting to 'other' spending that may not involve higher education.
The whole student aid process can be quite involved. If you need help, I'd suggest you talk with a fee only financial planner in your area. A good place to find a fee only planner that charges by the hour is at NAPFA and Garrett Planning Network.
An UGMA account is a Uniform Gift to Minor Account that provided the parent with control over the funds until the child reaches age 18. Then they can access the funds and spend the funds as the child wants, no parental controls. Yes when the securities are sold their would be tax consequences for your child which you should review the tax consequences with them and your tax advisor before selling any or all of the securities.
The key point here, this is a great opportunity for you the parent to teach your child about being an adult and their financial responsibilities surrounding needs and wants and etc!
Good luck.
The answer to this question is simple. Assuming that the college investment you are making is the same in amount and timing of investment, in a 529 account versus a personal account, the benefit of the 529 accounts "Tax free" status on all 529 account earnings is the key advantage. Thus, you will accumulate true long-term value over the future years through the annual tax savings feature so you will have more funds available for college. thus, your personal account returns have to exceed the and 529 account returns by the incremental tax rate you will be paying on the earned income. thus, you will have to take a greater market risk when investing. Which is obviously not the best idea with future college needs.
good luck.
The simplest way to look at it is – Taxable (capital gain & dividends) as you go along, or tax free as long as it is used for education.
Therefore, to calculate the equivalent total return of a taxable account use the 529 return and add to it your tax bracket.
All the answers are great but beware of losing the forrest for the trees. The important issue is investing enough and in the right strategy to have enough to meet your goals. Just make sure that you dont let the registration decision hold up implementation of your plan and regular investing.
Another consideration is whether your state allows a state tax deduction for contributions. Consider two scenarios:
1) If your state allows deduction and your accounts are currently held with home state, be aware the state may reclaim past deduction (read plan docs)
2) If your state allows deduction and your accounts are held in different state, consider transferring over enough each year to maximize your state tax deduction, unless the fees and/or investment choices outweigh the state tax deduction benefit
I favor holding the assets in the parent's name in a 529 savings plan. This has multiple advantages:
1) retain control of assets after child turns 18 (in case they don't want to use for school)
2) parental assets counted at lower % toward expected family contribution in financial aid calcs
3) 529 plans grow tax free and withdrawals tax-free if used for qualified educational expenses negating any 'kiddie tax' motivations
4) your state may allow state tax deduction up to certain contribution amounts
Absolutely! You have the right to appeal and discuss the findings with the financial aid officer. Your case may be strengthened by mitigating circumstances in your income or asset situation (change in job status since the base year income used for calculating your Expected Family Contribution, for example). Also, consider gaining leverage with the financial aid officer by leveraging off of any aid packages offered by a competing institution where you applied.
In my college financial planning practice, I come across this sort of question very often. Generally, funds held in the student's name are assessed at a greater rate than your funds. There's a bit of a loophole for 529 accounts owned by the parent with the child named as a beneficiary. (The legislation is technically silent on their treatment and need for disclosure). A better way to arrange this is to have the 529 account opened and owned by a relative naming the child as a beneficiary. There is no current requirement for listing assets of anyone who is not a parent of the child applying for aid. (Think of the grandparents here. Create a gift that can keep on giving).
Philip, I agree with Donald. There is room to negotiate with the Financial Aid Officer at School 1. As noted by Donald, be prepared to discuss the other aid packages. While the school obviously can decline to adjust its standing package, asking the school to do better can and does work.
Philip, the answer is YES they certainly do reconsider. Some amount of aid is kept in reserve to enhance offers for kids schools really want. Write a letter and follow up with a call to the financial aid office indicating that the school is your child's preferred choice but that other schools offered better packages. Provide specifics of the aid packages to the extent possible. Do this as soon as possible, before the reserve funds are exhausted. Good luck!
The system sees it this way.
-The child is your dependent and therefore you are responsible for the childs financial obligations.
- Whatever funds are in the students name will be consider available to support the cost incurred and then they look at your financial ability to pay for the cost of college.
Financial aid looks at the childs assets and the parents financial ability to pay and then decides how much they will supplement you.
However, you can stop claiming her/he as a dependent a year before you apply for aid and that will increase the probability of the child getting more aid because she will be viewed totaly on her/his own.
Good luck,
Hello Amos,
This is a really tough area and there are pros and cons to both arguments.
Education IRA's are tax free for education - but limit the amounts that you can put in quite a bit.
529 plans are also tax free for eduation - but are quite often laden with high fees which greatly reduce returns. Additionally 529 plans count heavily against the student on the FAFSA form (Free Application for Federal Student Aid) and are essentially expected to be spent down to fund college.
UTMA or UGMA accounts - accounts where you or another person are the custodian (trustee) for the account - but the assets are legally the childs - and then revert to the child's name upon reaching the age of majority - also count heavily against the student on the FAFSA form and will count as a asset available for funding college when it comes to determining financial aid.
Accounts held directly in the child's name also count heavily on the FAFSA. Oddly enough - so does the studen't income - which doesn't make a bit of sense to me because if a student earned money in an after-school job during high school, it is likely they would no longer have that job once they started college. However, student income counts heavily against the student when it comes to determining need-based financial aid.
The best way to know what counts and what doesn't - and what counts MORE and what counts LESS - is to check out the FAFSA itself. Here are links to websites where you can find the info you need. It is not easy - and the more information you have - the better armed you are:
www.FAFSA.gov - this is the Department of Education Website
www.FAFSAOnline.com - this is a service of the Student Loan Network - you have to enter your information, but you can download a great comprehensive guide to filling out the FAFSA - what assets go on the FAFSA, and what does not.
I would also ask that you read the guide I uploaded to this site - it is a good place to start. It is called "Strategies for Funding College - and Not Just Saving For it." Here is the link to it:
Good luck with your college funding. It is a challenge. The more you know, the better off you'll be.
Jon Castle
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Latest BlogLearn How To Easily Maximise Your Vacuum Sealer
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Vacuum Sealing Vegetables
We often get asked the best method for vacuum sealing vegetables, and which vegetables you can vacuum safely. This week we share our top vacuum sealing techniques for vegetables to help you get the most out of your food vacuum sealer. Buying Vegetables Always try to...
Fresh Bread – Vacuum Sealed to last a Week
Bread You Buy vs Bread You Make. We all know that commercial bread is stacked full of sugar, preservatives and enough chemicals that even mould won't grow on it! If you are old enough you will remember a time when Sunday mornings included a trip to the Hot Bread...
Ginger & Honey Marinade – Vacuum Canister
Why Wait 24 Hours when your can Marinate in just 1! That's right. When you use a Vacuum Canister you can marinate in only 1 hour. Ginger & Honey Marinade in 1 hour That means when you get home from work: You can whip up an easy marinade sauce. Place your favourite...
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subset: commoncrawl


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If necessary, the person employed in the cleaning company can sweep the floor still during the school activities.
In the spring and summer season, cleaning works outside the school are also carried out.
In the spring-summer and autumn period, the scope of their duties includes washing windows, while throughout the year they thoroughly rub the hens in them and vacuum the floors.At the same time, they use various fragrances and many tools that help them to thoroughly grind the dust. Each time, they also wash floors in bathrooms and kitchens with special liquids indicated by the home owners. Every now and then they polish the floors in the living room and hallways.
They also perform various additional tasks, commissioned to them by home owners before major holidays or family events. .


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Phrasal Verbs/PPhrasal verbs beginning with P. Select a phrasal verb for more details.
pack away (1)
If you pack something away, you put it back where it's usually kept after you've finished using it.
pack away (2) INFORMAL
to eat a lot of food
pack in (1) INFORMAL
to attract large audiences or large crowds of spectators
pack in (2) INFORMAL
If you pack something in, you stop doing it.
pack into (1)
to fit into a small or crowded space
pack into (2)
to fit a lot of activities into a limited time
pack up (1)
to put things into boxes or bags before moving them or sending them somewhere
pack up (2) INFORMAL
If something packs up, it stops working and needs to be fixed.
pan out INFORMAL
If you see how a situation pans out, you see how it develops over time.
part with
to give something to someone else, especially when you'd prefer to keep it
pass around
to pass something from person to person in a group
pass away
If someone passes away, they die.
pass by
to go past something or someone
pass off as
to make someone believe that a copy or a replica is the real thing
pass on
If you pass something on, you give it to another person after receiving it yourself.
pass out (1)
to give something to each person in a group
pass out (2)
to lose consciousness all of a sudden
pass over
If someone is passed over, they aren't given the promotion they were expecting, and the position is given to someone else instead.
pass up INFORMAL
If you pass up an opportunity or an invitation, you choose not to take the opportunity or accept the invitation.
pat down
to check that somebody isn't carrying a prohibited item, such as a gun, by patting different parts of their body
patch up (1)
to fix something quickly so it can be used until it's repaired properly or replaced
patch up (2)
to mend ties or repair a relationship after a disagreement or a dispute
pay back (1)
If you pay someone back, you return money that you borrowed from them in the past.
pay back (2)
If you pay someone back for doing something bad to you, you do something bad to them in return.
pay off (1)
If you pay off a loan, you pay it back in installments over a period of time.
pay off (2)
If something you do pays off, it ends up giving you some benefit or a good result.
pay out
to pay a sum of money to somebody, especially a large sum
pay up
If somebody pays up, they pay money they owe to someone even though they don't really want to.
pick on
If you pick on someone, you repeatedly treat them badly or criticize them.
pick out
If you pick out something, you choose or select it.
pick up (1)
If you pick up something, you take hold of it and lift it up.
pick up (2)
If you pick someone up, you meet them somewhere in order to give them a lift somewhere else.
piss about INFORMAL
to waste time or act in a stupid way
piss off
If someone pisses you off, they annoy you.
play around (1)
to waste time by being silly or stupid
play around (2) INFORMAL
to have sex with someone other than one's spouse or partner
play back
to play something that's just been recorded, such as a video, a message, or some music
play down
to try to make something seem less important or less damaging than it really is
play up (1) INFORMAL
If something is playing up, it isn't working properly or it's causing problems.
play up (2)
to try to make something seem better, or more important, than it really is
point out
to tell someone something you think they should know
pour in
to arrive at or enter a place in great numbers and with great speed or force
pour out
to leave a place in large numbers
print off
to print a number of copies of something
print out
to make a printed copy of a document
pull back
If an army pulls back, it moves its forces back from the front-line or from wherever it's been fighting the enemy.
pull down (1)
to destroy a building or structure because it is old, dangerous, or no longer wanted
pull down (2)
to lower one's pants or trousers
pull in
If a train, a truck or a car pulls in, it arrives somewhere.
pull off
to succeed in doing something difficult
pull on
to put an item of clothing on, usually in a hurry
pull out (1)
If you pull out of something you're participating in, like a competition or a deal, you stop participating.
pull out (2)
to move your car from a parking spot or a side street into a traffic lane, or to move out from one traffic lane to join another
pull over
If you're driving a car and you pull over, you move over to the side of the road and stop.
pull through
to recover from a serious illness or injury
pull up (1)
to pull something out of the ground, such as a plant, a stake, or a fence post
pull up (2)
If a vehicle such as a car or a taxi pulls up, it stops.
put aside (1)
to save or reserve something, like time, money, food, etc., for a particular purpose, or for use in the future
put aside (2)
to ignore a disagreement or a problem you have with someone so you can work together on something
put away (1)
If you put something away, you put it where it's usually kept when it's not being used.
put away (2)
If you put something away, you put it somewhere safe and keep it for the future.
put back (1)
If you put something back, you return it to the place it was before you took it.
put back (2)
to change the time or date of something to a later time
put down (1)
to stop carrying something or someone
put down (2)
to put a sick or injured animal to death, usually by lethal injection
put forward (1)
to offer an idea, an opinion, a suggestion, etc. for other people to consider
put forward (2)
to change the date or time of an event, an appointment, a meeting, etc. so that it happens earlier than originally planned
put in (1)
to spend a certain amount of time and effort on doing something
put in (2)
to install a large piece of equipment into a room, a home or a building
put off
If you put something off, you change the time it's meant to happen to a later time or date.
put on (1)
to start wearing an item of clothing, a pair of shoes, a piece of jewellery, a pair of glasses, etc.
put on (2)
to make an appliance or a piece of equipment start to function
put on (3)
to present an event such as a concert, a seminar, a sporting tournament, etc.
put on (4)
If you put on weight, or put on pounds or kilos, you become heavier.
put out (1)
to stop something from burning
put out (2)
If you put somebody out, you inconvenience them by asking them to help you or do something for you.
put over
to communicate something like an idea or an opinion
put through (1)
to make someone suffer a difficult or painful experience
put through (2)
to pay for someone's education through school, college, university, etc.
put together (1)
to assemble something by joining its parts or pieces
put together (2)
to select several things and combine them to create something
put up (1)
to increase something, such as the price, cost or value of something
put up (2)
to fix a notice or a picture onto an upright surface such as a wall or a noticeboard
put up with
If you put up with something, you accept it even though you don't like it.


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Europe: EC harmonises new toy safety standards
September 2015
Relevant for: Toys & children's products
The list of harmonised standards for the EU Toy Safety Directive (2009/48/EC) is constantly updated in the Official Journal of the European Union (OJEU). Thus, a summary of the standards that have been updated in recent months have been put together below.
The application of the new EN 71-14 standard on Trampolines for Domestic Use took immediate effect from the date of publication in the OJEU (13 March 2015), while the new versions of EN 71-1, EN 71-3 and EN 62115 will become effective after their respective transitional period.
Below is a consolidation of updates to EN 71-1, EN 71-3, EN 71-14and EN 62115 , together with a summary of the changes and their effective dates. The use of harmonised standards is not mandatory; however, compliance with them gives conformity to the Toy Safety Directive for those safety requirements that are covered by those standards.
Summary of recent changes to the list of harmonised standards for the EU Toy Safety Directive (2009/48/EC)
Standard reference: EN 71-1:2014
Title: Safety of Toys - Mechanical and physical properties
Summary of changes:
Most of the changes are edits. The only technical change made is the addition of a specified distance in clause 5.4e. The requirement now reads "The force of self-retraction mechanisms for cords in toys shall not retract the cord more than 6 mm under any of the testing-conditions specified in 8.39 (self-retracting cords)."
Effective date: 1 March 2016
Standard reference: EN 71-3:2013+A1:2014
Title: Safety of Toys - Migration of certain elements
Summary of changes:
The changes in this amended version do not affect the migration limits for toy materials but some analytical requirements have been specified more precisely without introducing major changes to the test method. Significant technical changes are as follows:
- 1. The migration conditions have been specified more precisely, in particular with regard to the pH value.
- 2. A new Annex G contains information on the method of organotin.
- 3. The Molecular Weights and Relative Molecular weights of organic tin have been corrected.
4. Dimethyltin bis (2-ethylhexylmercaptoacetate) has been deleted in Table J.1 and the families of some compounds have been corrected.
5. Test methods for material class III of the analysis of organic tin compounds have been validated.
- 6. Use of IC-UV-Vis, UV/Vis-Spectrometer with integrating sphere or IC-ICP-MS for the measurement of the migration of chromium VI is allowed.
Effective date: 1 March 2016
Standard reference: EN 62115:2005/A12:2015
Title: Electric toys - Safety
Summary of changes:
The main difference between this amendment and the existing EN 62115:2005/A11:2012 is that EMF is now included for toys with a current > 3A ("Toys without a motor, inductor or which only include passive electronic components, are considered to comply with this requirement without measurement").
Effective date: 4 June 2017
Standard reference: EN 71-14:2014
Title: Safety of Toys - Trampolines for domestic use
Summary of changes:
This new standard specifies the requirements and test methods for trampolines for domestic use, their access devices and their enclosures, intended for outdoor and/or indoor use above ground level by one person at a time.
Other articles in this issue
- Europe: REACH restriction on lead in consumer products published
- Europe: ECHA's 6th recommendation to include 15 SVHCs to the Authorisation List
- Norden: Nordic Council published a guide for food contact materials
- US: CPSC exempts unfinished trunk wood from heavy elements testing in toys
- Europe: Draft amendment to Regulation (EU) No.10/2011 on plastic food contact materials and articles
- Bahrain: Bahrain adopts GSO Technical Requirements on switches
- India: India extends deadline for implementation of Compulsory Registration Scheme
- Singapore: Singapore updates safety requirements for portable power banks
- India: India Energy Efficiency Labelling Scheme comes into force


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It's hard to review the classics, sometimes. With a movie like John Carpenter's Escape From New York, what can I possibly say that hasn't already been said a hundred times before? This film is so ingrained in pop culture, that even people who haven't seen a single Carpenter film is familiar with it, and its titular character, Snake Plissken, played by Kurt Russell in a way that no other actor could have done. When you consider that this film was produced on a budget of around six million dollars, the scope of this movie, and what Carpenter was able to accomplish with such a modest budget is truly amazing. It feels like a fifty million dollar film, at the very least. I don't know if I can call this my favorite Carpenter film, but it is one of the top 3, for certain. This is is a harder Blu-ray release for some to swallow, as it is also available in a release that came straight from MGM, so unless the previous release was garbage, or you have an extremely impressive extras package, it's a hard sale, to get folks to double dip on a title like this. I think Scream Factory did a good job, at giving us a reason to buy yet another Blu-ray copy of John Carpenter's Escape From New York.
To start with, the MGM Blu-ray is not garbage. It lacks that extra punch that comes with the Scream Factory release, with the Collector's Edition packaging, and an entire disc dedicated to bonus content, but it is a respectable presentation of the film itself. Some have claimed that the Scream Factory release is a downgrade, but they would be wrong, and probably haven't actually seen it, if you want the truth. Yeah, yeah, I know, "compression artifacts" and all of that, but if you haven't actually seen the release in motion, and you're just regurgitating what another person with a bone to pick has regurgitated from elsewhere, I have no respect for your opinion. I'm sorry, I just don't. If the way you decide to purchase home video releases is by looking at compressed screenshots, on sites that love to tear the popular guys down, you're only hurting yourself. You're missing out on a lot of good releases, over practically nothing. I will admit that there are some Blu-ray releases that have issues. If you were to take a look at FOX's "Ultimate Hunter Edition" release of Predator, you will see probably the worst Blu-ray release to ever hit a store shelf. Not a single one of Scream Factory's releases even remotely resemble that hot mess.
People shouted from the rooftops that Arrow Video's UK Blu-ray release of Motel Hell was "MUCH BETTER" than Scream Factory's release, so I bought it, watched for comparison, and you know what? It's not. Both releases are fantastic, and both look gorgeous. I get in trouble sometimes, for referring to those that belong to this new group of anti-Scream Factory curmudgeons as hipsters. But, in all honesty, I really don't know how else to describe somebody that suddenly dislikes something, now that it has become popular. I'm not saying that Scream Factory have never released something with flaws. If you will take a look at their Nosferatu, it is of lower quality than other releases of that film. But generally, if you see a reviewer, or somebody in a home video collecting group on Facebook, blathering on about "compression artifacts", it's more than likely that they are full of shit. This Blu-ray, looks as good, if not a little better than the previous release from MGM. Couple that, with the fact that it comes to you, absolutely brimming with bonus content, and it should be a no-brainer, as to whether or not you should buy this release.
Scream Factory's Collector's Edition Blu-ray release of John Carpenter's Escape From New York, is highly recommended. It sports a new transfer of the film, that is as good if not better than the previous transfer, with new audio commentaries, photo galleries, visual effects documentaries, interviews, deleted scenes, a retrospective featurette, trailers and more. Take it from me, someone who has seen this movie a thousand times, and loves it dearly, you can purchase this release with confidence. There is nothing wrong with the transfer, and you are going to want in on these extras, if you are any kind of fan of this film.


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Calgary, AB T2P 1G3
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Shoe is one of the first mass production parts at Taiho Corporation of America starting in 1996. Shoe is small bearings that are assembled into the automotive air compressor units. The shoes work as the mating parts for the compressor's swashplate and pistons. The shoes are designed with superiority in wear resistance, reduction in friction and reduction of fatigue. Therefore it requires a very high degree of machining accuracy and precision for a part required for mass-production.
Material Makeup
Taiho uses bearing steel for the production of the shoe products.
- Reduces Friction and Wear
- Lubricating properties
- Reduces Fatigue
The shoe is also designed for noise reduction of the compressor unit. The shoes are ranked into 10 to 15 different height classifications to minimize the noise between the piston and the swashplate. Each rank of class is 3 to 5 μm (microns) different and they are ranked and sorted by an automated process.


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a. Petitioner, Food Corporation of India (FCI), engaged Kailash Enterprises (KE) for handling wheat cargo. Services provided by KE were exempt from service tax being services in relation to agricultural produce. However, FCI paid service tax under mistaken belief which was not deposited by KE to Government.
b. There were multiple disputes between FCI and KE because of deficiency in service. Therefore, FCI recovered amount of Rs.3.5 crore by invoking bank guarantee. In the meanwhile, department issued notice against KE for recovery of service tax being collected by KE from FCI. It also issued notices under section 87 for recovery of amount due against FCI. The petitioner challenged garnishee proceedings before High Court.
The High Court of Gujarat held as under:
1. It is clear that FCI had no service tax liability on the cargo handling service received by it from KE for handling of wheat cargo. However, FCI already having paid such sum to KE, had no further liability to deposit any part thereof with the Government, particularly, when no service tax was ever payable by it on such service.
2. It is true that later on FCI also adjusted some amount through invoking bank guarantee provided by KE. However, the entire recovery was not relatable only to service tax, but also had element of deficiency in service by the service provider as alleged by FCI. No garnishee proceedings could be initiated against service recipient if it did not owe anything to service provider and therefore, recovery notices against FCI were liable to be set aside. [2016] 71 taxmann.com 70 (Gujarat)


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Storage Decisions Chicago: Blue-chips discuss DR, e-Discovery
Things have gotten kicked off in earnest out here in the Windy City at this year's Storage Decisions conference in Chicago. Today was the first full day of sessions at this year's edition of the conference, and attendees heard discussions of hot topics from blue-chip companies including United Airlines, Federal Reserve Bank, and Bank of America.
Gary Pilafas, managing director of enterprise architecture for United Airlines (UAL), gave a presentation this morning about his company's DR plans, much of which centered around classifying data according to criticality, and setting disaster recovery levels appropriately, a common trend in DR of late. Pilafas said he steered application admins away from insisting on Tier 1 DR (after all, no application admin wants to say his data isn't of top importance) by emphasizing cost.
On this he was challenged by Michael Thomas, storage architect for the Federal Reserve, who said he'd seen that kind of planning go awry in some cases after 9/11 and Hurricane Katrina. "Some business units had [scaled back] DR plans based on cost, but then their SLAs didn't match their true business requirements," Thomas said. "They still expected IT to respond, and we did, but not in as timely a manner as they would have liked in some cases."
Pilafas acknowledged that getting a true sense of business requirements and managing application interdependencies made tiering for DR a tricky project. However, he said UAL is currently testing service-bus software products including IBM's Websphere MQ and BEA's Aqualogic, layered over Hitachi Data Systems' Universal Storage Platform for a services-oriented architecture. That plan, he said, will decouple data services from individual business units, specific applications or devices, eliminating the issue of application interdependencies. He said it will also go a long way toward addressing the confusion about business units and their priorities. "This way we can discuss each business unit's priorities, map it back to services, and the higher-priority services float to the top," he said. "It's like taking the opposite of the lowest common denominator."
Thomas himself had a different approach to making DR plans more effective, which is to go back to the drawing board with testing. "One of the big problems in this industry is that a lot of people don't really test their DR plans," he said. "They send people out a week in advance and prepare, and then test." Thomas advocated more spontaneous tests and recounted one test in an earlier position where employees were "toe-tagged" at random to more realistically simulate a disaster scenario.
Meanwhile, if there's anything that requires as much careful planning and precise procedure as DR, it's e-discovery, and on hand with a keynote speech on that subject was Daniel Blair, e-discovery, investigation and incident support within the information security and business continuity division of Bank of America (say that five times fast).
Among the nuggets offered by Blair was the estimation that for every 1 GB of data produced for e-discovery, 6.25 GB of storage space is needed for multiple working copies, indexing and conversion to TIFF formats as well as the production of copies for opposing counsel. BOA's approach to cut down on storage costs is to put the original "golden" copy of data onto lower-performing, high-capacity SATA disk (backed up vigorously, of course) and use higher-performing FC storage for the processing.
Blair wasn't able to discuss specifics because of the sensitive nature of corporate litigation, but he did say that so far, he has yet to find a single comprehensive product for e-discovery. He also said that BOA uses a combination of in-house work and outsourcing, specifically with TIFF conversion, to lighten the workload and save financially.
Ultimately, though Blair said the new federal rules of civil procedure could make e-discovery a more bearable undertaking (since they recognize a "good faith" effort to preserve data), further attention on e-discovery means that more savvy practitioners will find new ways to key on process vulnerabilities during a lawsuit.
As the pressure grows, Blair said there's plenty of room for improvement in the technology space. "Real-time indexing, content categorization, records management for the lifecycle, true policy-based management, and better scalability," he listed off immediately when asked for ideas.
One other item of note: Compellent was the name on everybody's lips during the expo on the show floor tonight. Users said they had always liked Compellent's automated tiered storage feature, but it had taken some time to see more customer traction in the market and product maturity for the emerging company.
So, what are you hearing at the show? Give us your thoughts in the comments section.


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Tournament of Champions – well, not really
My son challenged me to a game of Hearthstone, the World of Warcraft based card battle video game and we thought it would be fun to record said challenge and post it to our YouTube channels. Here is the result.
Also, here is the link to my son's channel, as well.


text:
Real Women Have Curves
(Drama) (2002) © 2004 by Raymond Weschler
Major Characters
Ana.....................America Ferrera An 18 year old Mexican-American high school student who lives in Los Angeles with her working class family, who must decide between working in her sisters clothing factory or going to study at Columbia University in New York. Carmen..................Lupe Ontiveros Anas very conservative mother, who thinks Ana should stay and help the family rather than go to New York. Estela..................Ingrid Oliu Anas older sister, who owns a small clothing company that is struggling to survive. Mr. Guzman..............George Lopez Anas high school English teacher who tries to convince her she will have a much better future if she goes to college. Jimmy...................Brian Sites A sweet boy with whom Ana becomes romantically involved. Raul....................Jeorge Cevera Junior Anas father, who is a gardener.
Plot Summary
This film is the story of Ana, a smart and pretty but somewhat overweight Mexican-American high school student who lives in Los Angeles with her financially struggling family. Ana dreams of going to college in order to improve her life, but her parents want her to stay home and work in her sisters small clothing factory, which is barely surviving by making very pretty dresses. Anas teacher, Mr. Guzman, has convinced her that a better life awaits her if she goes to college, and because he is convinced of how smart she is, he even arranges for Ana to be accepted by Columbia University in New York, which is one of the best schools in the country. Ultimately, Ana must decide between what her very traditional Mexican mother wants her to do, and what she knows would be best for her future. And in facing this dilemma, Ana must deal with a problem that so many first generation Americans must face, which is how to balance the conflicting cultural values of the American middle class with "the old-world values" that their parents still have. Indeed, from the Hispanic neighborhoods of Los Angeles to the Chinese neighborhoods of New York, this type of conflict can be seen everyday.
A note on the language used in this film
: Since the story is about a Mexican-American teenager and her family, some of the dialog is in Spanish. When this happens, I have chosen to explain key words that are printed out in the subtitled English. A "[TS]," which stands for Translated Spanish, is used after those sentences in the word glossary below.
Some Words and Expressions that You May not Know
As high school ends, Ana agrees to go to work in Estelas factory
in order to help the family make the money they need to survive.
I woke up in the middle of the night,
soaking wet
. If a person is "soaking wet," they are totally wet ("To soak" in water is to pass time covered by it).
! [TS] An important word for a person who does not appreciate what they are given. OK, seven years at
. A common way of referring to the Massachusetts Institute of Technology, which is one of the best universities in the world. Ill
through Europe. "To backpack" through a country is to travel through it while carrying all your possessions in a backpack, which is a container for holding things as you walk. Ana,
hang on
a minute. A common way of telling a person to wait. Whats happening with the
college applications
? "College applications" are forms that are filled out by a person who is hoping to attend a college in the future (They ask for such information as your personal and educational background ).
What do you mean
, not going to college?! Youre a smart woman, you have something to contribute to this world! Note that "What do you mean?" is often placed before the exact words of a listener, for the speaker to show they disapprove of what has just been said. "To contribute" is to create or offer something of value. My family cant afford college. :: There are
, financial aid, all that
weve been talking about all year. "Scholarships" and "grants" are gifts of money that help students pay for school while doing their studies. "Financial aid" is the same thing, except that it is usually in the form of a loan that eventually needs to be paid back. "Stuff" is a very general word that refers to things in general. Heres your
. :: Just give me my check, ok? A "uniform" is a set of clothes that are worn by people of a particular group, such as those that work at a specific restaurant. You can always just
kiss my ass
to get your job back. In this context, "to kiss a persons ass" is a crude way of saying to beg them, or to act in a very subservient or overly nice way, in order to get them to agree to do something. Papa, I
cant afford any more help
. ::
That takes care of that
. Here, if Estela "cant afford any more help," she doesnt have the money to pay more workers. "That takes care of that" is an interesting way of saying that given what was just said, there is nothing more to discuss.
, Ill pay her. :: She can
. Here, "fine" means OK. "To iron" clothes means to get rid of the wrinkles by rubbing a hot metal iron over them. End of discussion, Senor. This is Carmens way of saying there is nothing more to talk about since they have already decided (Senor is the Spanish word for Sir). We have already discussed that
our family. "Amongst," which is more commonly said without the t (among), means within the group of, or between the members of. She got herself into Beverly Hills High School, which is not easy to do, and now she can go even further. Beverly Hills is one of the richest areas in Los Angeles (and even the entire United Sates), and thus the local high school is considered one of the best. Mr. Guzman, tomorrow morning she goes to the
to sew with us. A place where clothes and other products are assembled or put together.
With Mr. Guzman pushing her forward, Jimmy talking about Europe
and the factory work so hard, Ana reconsiders her future.
I told you
! A widely used way of telling a person that what you had said or predicted earlier is in fact true. I can teach her to
her kids and take care of her husband [TS] "To raise" children is to take care of them as they grow older. Youre so
, just like Ana. If a person is "dramatic," they are acting in a very emotional and noticeable way, perhaps like an actor on stage in a play. Im nothing like mom. ::
Whatever you say
. When said with a certain tone of voice, this is a skeptical way of saying "I dont believe you, but I dont feel like arguing about it." Youll never
fit into
that one. Its a size seven. If you "fit into" an article of clothing, its the right size. I only
tell you for your own good
. Look at you---
. They must weigh 10
each. To tell a person something "for their own good" is to tell them something they probably need to know even if they dont want to hear it. "Enormous" means extremely big or huge. A "kilo" is a unit of weight in the metric system which equals a little more than two pounds in the US. You looked so
. I hardly recognized you. In this case, a nice word for pretty and super well dressed. My
brought over this dress. The person to whom you will soon get married. Theres no better dressing than meat on bones. This is Estelas way of saying that girls should not try to be so skinny, even though it is in fashion (Dressing could be like salad dressing, and in this case, meat is fat or muscle). I had a meeting with a
, but thats
none of your business
. In business, a "supplier" is a person or company that supplies or provides the goods that your company needs to do its business. If something is "none of your business," the speaker is saying that is personal or private information and they do not want to tell you. This is an
that makes
. Shes a
. An "overlock" machine is a type of sewing machine and a "hem" is a the raised border or edge of a piece of cloth. If a person is a "pro," they are very good at what they do (This is a short way of saying professional). She really gets
. Youd think it was her baby. A powerful adjective meaning angry, worried or emotionally troubled. And this is Rosali, the
. A good word for a person who is always causing problems for others.
Come on
, let me show you your job. The most versatile and widely used phrasal verb in English, in this case meaning "lets go." The
blows dust on the dresses. A "fan" is a device that blows air, usually to make a room cooler. You put it on that
for me, ok. A "rack" is a metal frame for holding clothes. We take the finished dress to the
and then we start on size six. In business, a "distributor" is a person or company that distributes or delivers a product to all the places that it will be sold. How much do they pay us to make the dresses? :: 18 dollars for
each. "To assemble" a dress is to put it together from different pieces. I dont think shell
make it
, and with her mother here! [TS] In this case, "to make it" means to survive. Shes so
! [TS] An important word for a person who is mean and snobby, and more specifically, looks down on others. Mrs. Carmen has
! [TS] Rumors or loose talk between people about other people, that may or may not be true. That
dirty old man
looks like a
shriveled up
! [TS] A "dirty old man" is, generally speaking, an old man who has a sexual interest in much younger women or girls. If a person is "shriveled up," they have lots of wrinkles, like someone who is very old. A "mango" is a type of fruit. He thinks youre too
, but he would like to
fatten you u
p! If a person is "skinny" they are too thin, and "to fatten up" a person is to make them gain weight. You little
, wait! [TS] A "brat is a spoiled, obnoxious and disagreeable child. Dont
knock yourselves out
, ladies. "To knock yourself out" doing something is to exhaust yourself. Where
the hell
are you going? [TS] Added to WH questions to show emotion such as anger or frustration. I
cant take it
anymore. [TS] If you "can no longer take" a situation, this means that you can no longer accept it. My hands have
. [TS] A disease that is common among old people, which makes it difficult to bend ones hands, arms and legs. So much effort, so much
. [TS] "Sacrifice" is the act of giving up something that you want. You only think Im a
beast of burden
. [TS] An old expression for an animal that is used to do hard work, such as a horse that pulls a tractor on a farm. How
. Look at yourself in the mirror [TS] In this context, a key word for a person who is pretty in a childlike way. Its too late for Estela to get married. Now I have to
concentrate on
Ana. "To concentrate on" a person is to focus, or spend ones mental energy and thoughts on them. Youre a
. :: Grandpa! [TS] A "treasure" is any object that is very valuable, and if used to describe a person, it means much loved. Papa, those are only
. [TS] A "legend" is a popular myth, or a story that has been passed down from generation to generation that often is not actually true. After the revolution, there was a
that there was a cave full of gold. [TS] An important word for a piece of news that has not been verified and may not be true. Hey Jimmy! ::
Whats up?
A common and colloquial way to greet a person if you have not seem them for a while, and more specifically, an alternative way of saying "Whats new?" Mr. Guzman, I filled out the
. :: Look at that, Ana.
Way to go
! "College applications" are forms that are filled out by a person who is hoping to attend a college in the future (They ask for such information as a persons personal and educational background ). "Way to go" is a way of telling a person that you highly approve of what they have done. Wheres the
personal statement
? In this context, an essay written for a college application in which the students personally describes why they deserve to go to that college, and why they would like to study there. Im friendly with the
dean of admissions
at Columbia. At a university, the "dean of admissions" is the person who decides which students will be accepted to study there. Write the
and I can get it to him and get you in for the September
. An "essay" is a piece of writing on one particular subject, usually from a personal point of view. A "semester" is a period of time over which classes are taught (The Fall semester lasts from September to December). Ill
hang on
to this until you bring me the essay. To "hang on" to something is to keep it. My sister needs to stay and help her with her
fashion boutique
. A "fashion boutique" is a small shop where clothes are sold (although here Ana is talking about more of a factory or assembly shop than a boutique). Europe is so
. Youll get a whole new
. "Cool" is still the most common slang word for excellent, fine or perhaps very fun. "Perspective" is a key word that means point of view, or a way of looking at things. Things are too easy here. Like youre handed everything from school to a car. This is Jimmys way of saying that life in the United States is too easy for kids (although he doesnt seem to realize this isnt the case for Ana!)
Ana gets closer to Jimmy and tries to help Estela save
her clothing business as it struggles to pay its bills.
Mom, I dont watch Spanish
soap operas
. Daytime drama shows on television that generally follow the lives of the rich and miserable (Theyre named soap operas because companies sell lots of soap to the housewives that watch them). Its not a regular
. Its a Brazilian. A "novella" is a short story, which is smaller than a novel. You remember Juanita, the
daughter? If a person is "cross-eyed," their eyes look into each other. Let me guess, she gets pregnant? :: Ana, dont
the story! In this case, "to spoil" a story is to tell a person what happens at the end, before they have a chance to see or read it for themselves. He asks her to
run away
with him. Of course that means he has to
her mothers wishes. If a person "runs away
from home
, " they leave out of frustration, against the wishes of their parents. "To betray" a persons wishes is do something which that person does not want them to do. Its
curse words
in Spanish. "Curse words" are dirty or cuss words, such as fuck, shit, etc.
Goddamn it
. :: OK, Jimmy, I
it. A "jerk" is an idiot, stupid person, asshole, etc. "Goddamn it" is a somewhat vulgar and common way of expressing anger or frustration. In this case, to "get it" means to understand. Do you think Im your
?! You left the dishes in the sink. A "maid" is a person who is paid to do housework, such as cleaning the house and washing the clothes. We almost finished
pinning the pattern
. In a clothing context, "to pin a pattern" is to arrange various pieces of cloth in a way that looks like the finished clothes will look like when sewn (A pin is a tiny needle, and a pattern is a design or model ). Just a few little
here and we can get started. An "adjustment" is a small change in pattern or plan. Its always been my mothers dream to go back to the
in Mexico. A "village" is a nice word for a small town. We need those four
to finish this work. A "seamstress" is a woman who sews for a living. Ill charge you interest. In this context, "interest" is the money a bank charges for making a loan. Its because I love you that I make your life so
. An excellent and powerful word for very unhappy. This is a
sweat shop
! Dont you get it? Youre all cheap labor for
. "Sweat shop" is a common expression for a factory or other work place where the workers are very poorly paid and badly treated. Bloomindales is a well known and generally expensive department store. All youve done is flip burgers. "To flip burgers" is a way of referring to what workers at fast food restaurant do, which is to throw hamburgers into the air (or flip them) so that they land on their uncooked side, on the grill. Im proud of what I do. You little
. [TS] A useful word for a misbehaved or disrespectful little kid. I never wanted to work here in the first place,
much less
for nothing. An interesting grammatical construction which is used for emphasis and basically means "especially." If it doesnt
now, it will heal tomorrow. [TS] For an injury or wound "to heal" means to get better. Its probably just
. The polite way of referring to stomach upset when you eat too much. If you cant hold it inside, this is called
gas, or more crudely, farting. Its break time. :: Then you
take a break
, because I cant afford one. "To take a break" is to stop and rest for a while after working a lot. 100 people at the church, the
waiting, and he never
showed up
for the
. A "priest" is a religious leader in the Catholic Church. "To show up" is a common way of saying to arrive. A "ceremony" is a series of official acts that is passed down over the generations, such as a wedding or funeral. God damn him. Note that "god damn
" is used to express frustration or anger, but it can be replaced by a pronoun to express anger at a specific person. Mom, youre so old-fashioned. :: Girls
think they know so much. "Nowadays" is away of referring to the present day when comparing things to times in the past. No, mom. The reason they
end up
pregnant is because they dont know how to use
. "To end up" is to finish. "Contraceptives" is another word for birth control methods, such as a condom or birth control pill. Look at here, the
Mrs. Know-it-all
. A sarcastic way of referring to a person who thinks they know everything. Why is a womans
the only thing that matters? A persons "virginity" is the state of beinga virgin, or of never having had sex. Shes the owner of a
manufacturing company
. A "manufacturing company" produces physical products, such as cars or furniture (As opposed to services, such as banks or restaurants). Yeah, Im asking for an
on the dress order. In business, an "advance" is a payment of cash for a product or service that has not yet been produced or delivered. Im a
for Mrs. Glass. My name is Estela Garcia. In this context, a "contractor" is a person who pays another person to do certain jobs, such as building the various parts of a house, or producing a type of clothes. You need an
. An important word for a planned meeting between two or more people. Im Estelas
business partner
, Ana. A useful term for a person who helps another with their business affairs. I
went out on a limb
to hire you in the first place because I believe a woman like me should help a woman like you. "To go out on a limb" for somebody is to do something very difficult or risky, in order to help them. You have to help yourself and meet your
. A "deadline" is the final day or time to finish or accomplish something before it is considered too late. Your mother is a little crazy. :: Youre just
figuring that out
? In this context, "to figure out" something is to understand it. I have
morning sickness
. An interesting expression for the upset stomach or nauseous feeling that pregnant women get for the first few months of their pregnancy. A woman knows. I havent had my
for three months. The word for the time that a woman bleeds during her menstrual cycle. Are you starring at my
? A good sang word for a womans breasts (Much less vulgar than tits!). I made this list of
to talk about so we wouldnt
run out of
things to talk about. A "topic" is a subject, and if you "run out of" something, there is no longer any of it left. You dont take
well? A "compliment" is a nice or positive statement that is made about a person (Some people get embarrassed when they are complimented). I guess this is good night. A sweet way for a boy to tell a girl that theyre date is over, perhaps just before he tries to kiss her. He was a very
man. If a person is "elegant," they are usually well dressed and behave in an educated and very refined or graceful manner. I pretended he was still alive and I put him in a
wheel chair
and took him home in a taxi. A "wheel chair" is a mechanical chair that people who cannot walk use to get around. I like having you as a
and Id hate to have to
kick you out
. A "tenant" is a person who rents a house or building from the owner or landlord. "To kick a person out" of a place is to force them to leave. I told Estela many times, "If you do not have the
cash up front
, do not do it." "Cash" is another word for money, and to have it "up front" is to have it already, before starting a particular project, so you will not have to borrow money later to complete it. Shes working hard and its just not
working out
. If a situation isnt "working out," it is going poorly. Im working on my own
. Would you buy a dress like this? In this case, a "line" of clothes is a style that is produced for sale, often consisting of shirts, pants and other pieces that go together. I need help with the
or were not gonna
make the deadline
. A "hem" is the raised border or edge of a piece of cloth. "To make a deadline" is to finish on time. I remind myself its not for me, so I put a plastic bag over it and
it on the
. Note that in this case, "to stick" is to put, and a "rack" is a metal hanger for hanging or storing clothes. Shes
got a point
. In a conversation or debate, if somebody "has a good point," they have said something that is important or worth considering.
Anas takes charge of her relationship with Jimmy, life, and
Mr. Guzman announces that Columbia University wants her as a student.
She thinks Im ugly and fat and
God knows what
. When said in this context at the end of a sentence, "God knows what" is a cynical way of saying "and perhaps a lot of other things." She thinks Im at
again. :: So is this a
? "Mass" is the act of people in a Christian Church celebrating their relationship with God (Well, thats the theory). A "sin" is a religious word for an immoral act in the eyes of God. Pretty dresses arent just for
girls. Here, Estela uses "skinny" as a positive word, but in fact, it generally means too thin. I spent a lot of money on this
. In this case, "material" is another word for cloth.
Your turn
. The two words you say when playing card games such as poker, when you want the next person to make a move. You got in! The
called me personally with the news. A "dean" in a university is a high level person who is responsible for a certain part of how the university is run (In this case, the dean of school admissions.
dean is head of the entire school). Your daughters been accepted to
Columbia University
with a
full scholarship
. "Columbia" is an excellent university in New York City. If a student receives a "full scholarship," the entire cost of going to that school, often including food and rent, is paid for. There must be wonderful
in this area. A "college" is a university, though some do not have programs that are as advanced (i.e....they often dont offer Ph.D. degrees). Were a family and we
intend to
stay that way. "To intend to" do something is to plan to do it. I didnt come this far to see my family
break apart
. In this case, "to break apart" means to physically go off in different directions (LA and New York), though more often, if a family breaks apart, what is being discussed is the psychological or emotional stability of the family relationships. You want to
him? "To abandon" a person is to leave them, often to take care of themselves even when they really dont have the ability to do so. Thank you very much, Senor Guzman, but this is
a family matter
. In this context, when Carmen says it is "a family matter," she means it is a personal problem that should only be discussed within her family. Can I get some
too? The most common form of birth control, worn by men during sex (They are also called
, though this is not as common as before). These are kind of fun. ::
All right
. A good alternative to OK.
this shirt. Note that "damn" is used to express anger, and that it can be followed by any direct object, including an object such as a shirt! You
! You lost your virginity, didnt you?! A woman who has sex with lots of men, or perhaps a prostitute. Mom, youre imagining things. :: I can
. Note that in this context, "to tell" means to know what is happening, even if it cant be seen or is not obvious. Youre not only fat, now youre a
. A Spanish word for a prostitute, which is sometimes used by English speakers that are familiar with Spanish or other related languages. Why dont you value yourself? :: Because theres more to me than just whats in between my legs. An interesting exchange between Ana and her mom in which Ana is telling her that just because she has sex with someone she likes, this does not mean that she does not respect herself. Dont you think I
know a thing or two about
this? "To know a thing or two" about something means to know or understand it well. I think its about time that you and I had a little conversation about
. "Menopause" is the time in a womans life, about age 50, when she stops having menstrual cycles and periods. The doctor said no sugar. Why are you eating
? A delicious custard desert made with eggs and sugar. Im having a
. :: But youre not pregnant! If you have a "craving" for a particular food, you strongly desire it (Pregnant women often have cravings for foods such as pickles). Im going through
the change of life
. A gentle way for some doctors and women to refer to menopause. You know, Ana, youre
not bad looking
. If a person is "not bad looking," they probably arent gorgeous, but may in fact be pretty attractive or
good looking
. Who
? "To stink" is to smell very bad, and "to fart" is a crude but common way of saying to pass (stomach) gas. Please dont waste the
water. Its expensive. If water is "distilled," it has been made as pure as possible by being heated into steam and then turned back into water. It is used for cleaning clothes. What a
that were almost done with this. A "relief" is a feeling of great relaxation after a period or worry or nervousness.
Ana gives a lesson to Estela and the seamstresses, and then
struggles with her mom before making her most important decision.
All the
has me sweating like a pig. "Steam" is the vapor that water turns into when boiling. Look at you. :: You look
. A powerful adjective meaning extremely bad or horrible. Mama, I
happen to
like myself. ::
Right on, sister
! In this context, "happen to" is used as emphasis to say something that is unexpected or the listener does not agree with. "Right on, sister" is a silly and old-fashioned (1960s) way of showing a person you strongly agree with what they just said. Oh, thats it. Make myself
, so I can
a man. "Attractive" is a very general word for pretty or appealing, and "to catch" a man is a colloquial way of saying to attract him so that he becomes romantically interested. My weight says to everybody, "fuck you." This is Anas way of saying she has a lot of self-confidence and she doesnt care if people thinks she is overweight or fat. "Fuck you," of course, is a very common and vulgar insult.
Hail Mary
! What are you trying to do?! [TS] An old-fashioned expression used by very religious people to express shock or anger.
How dare
anybody tell me what I should look like or what I should be when theres so much more to me than just my weight! "How dare..." is an interesting term to express anger or outrage at the statements and thoughts of others. Whats wrong with me wanting to be
and sexy? A positive adjective for a person who is the perfect weight or just below what they should be (
is also positive, but
is negative). If youre a cow, then Im a
. A very large animal that is found in Africa and in zoos. You want to see
?! Fat that is common around some peoples thighs, hips and ass. I got all these
stretch marks
on my arms and chi chis. "Stretch marks" are the scars or markings on the skin from injuries to the body, including from giving birth (Chi chis is a slang term for breasts in Spanish, but its not used in English).
, she wins. A common way to express surprise or other emotion, and unlike "Hail Mary," its used by all types of people, including those who are not religious. Have you all gone
?! [TS] In the right context, an excellent word for crazy or insane.
To be rid of
all these clothes and to just
let it all hang out
. "To be rid of" something is to escape or get away from it. If a person "lets it all hang out," they let down their hair and adjust their clothes so that they are totally comfortable and relaxed, without concern what others think.
Who cares
what we look like when no one is watching us? A very common way of saying "Nobody cares that " Whats that
? :: This one is you. A permanent mark that is left on the skin after a wound or injury begins to heal. You have no
. An important word for the guilt one often feels after doing something immoral, wrong or harmful to others. You have my
. A somewhat religious but common word for a persons official approval. Youll always be in my heart. [TS] A sweet way of telling a person that they will always be emotionally close to them.
Real Women Have Curves
Some Possible ESL Questions for Class Discussion
1. Have you had your own difficult experiences trying to balance the values of your own culture and the one of your adopted country? 2. In Los Angeles, the biggest subculture is Mexican, or more generally, Latin-American. What are the biggest ethnic minorities where you live? Do you think there are similar issues between the older and younger generations in those subcultures? 3. Do you think Ana is a strong person? Why or why not? 4. Are Americans too obsessed with being thin? Or, in fact, are Americans actually too fat? Is Ana too fat, or as Jimmy said, is she beautiful? 5. Is Estelas little factory really a sweat shop? Do you agree that selling a dress for $18 which later sells at Bloomindales for $600 is "just not right"? 6. What did you like and not like about this movie?


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OUTLANDER star Sam Heughan has revealed his favourite location to film in Scotland.
The Scots actor, who plays Jamie Fraser in the hit time-travel show, admits the small village of Kinloch Rannoch, where they shoot the standing stones called Craigh na Dun, wins his vote.
Speaking to timeandlesiure.com, Borders-born Sam said: "We filmed a lot of scenes round and about this small village called Kinloch Rannoch.
"At the centre is Loch Rannoch (that's Lake Rannoch for non-Gaelic speakers), and at the other end is a mountain called Schiehallion, which they call the mountain of the fairies. It's this beautiful peak that looks quite iconic."
"We shot there last year on my birthday, and I was very lucky to have the following day off. Everyone else was filming, but I managed to sneak off and climb up the top of the mountain.
"The view was just incredible. It was so dramatic; everything was still covered in snow. There's lots of wildlife - pheasants, grouse, wild deer, sometimes you see stags. It's just a very magical place."
Scotland has provided the perfect backdrop to the hit TV series Outlander .
The country is a prominent setting in Diana Gabaldon 's eight book series and this has been replicated in the story's TV adaptation.
Locations all across Scotland have been used to create the magical scenes for characters such as Jamie and Claire Fraser.
And this has continued in the filming for season two of the Starz series.
Filming for the first series originally began in October 2013, with the hit show was filmed at various locations in Scotland .
Doune Castle was particularly significant as the medieval stronghold was used as the setting for the fictional Castle Leoch, the seat of Clan MacKenzie in the novels and TV series.
Since featuring in the show, Historic Scotland revealed the Stirlingshire site has seen year-on-year visitor numbers grow by 30.2 per cent to 49,553 in 2014-15.
Linlithgow Palace, in the Scottish town of West Lothian, was also used to stand in for the entrance and corridors of Wentworth Prison .
And in episode 11 of Outlander's debut season, The Devil's Mark saw Geillis Duncan and Claire Randall put on trial after being accused of witchcraft. Tibbermore Church, near Perth, was used to film the witch trials.
Outlander author Diana Gabaldon is a patron of Castle Leod, near Strathpeffer, and has used it as a fictional location - Castle Leoch - in her best-selling series of books.
The author has also thrown her backing behind a campaign to save Castle Leod .
Gabaldon has also spoken about her love of the Scottish scenery and how it has played a massive part in the show.
Diana Gabaldon said: "The photography is amazing, not that Scotland by itself isn't amazing, but the way they've photographed it. Ron (Moore, the producer) said from the beginning when he realised that we could film in Scotland – which is what he and I both wanted – that it must be as much a character in the show as any of the actual cast members, and it certainly is. It's just spectacular."
The success of the franchise has seen fans flock to Scotland to take in some of the locations shown above.
While some book location tours have been running for years, many other companies have added Outlander slants to existing tours based on film locations.
So if the pictures above have got you in the mood for a tour in Scotland, check out this fan review of the Outlander Scottish location tour and the key sights from Diana Gabaldon's book series .
Or if you fancy organising it yourself, find out how to here .
Look back on the Outlander series so far by clicking through the picture gallery below.
Which Outlander Character Are You?
Plus, check out our exclusive interview with author Diana, who discusses kilts, sex appeal and her army of fans.
You can also test your Outlander knowledge with our quiz and get all the latest Outlander news here .


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The shop: HollyODesigns
The owner: Holly O'Connor from Madisonville, Louisiana
The products: Handmade pearl jewelry - necklaces, earrings and more!
Fun facts: Holly has a Bachelors of Fine Art degree, with a concentration in jewelry design and metal smithing.
Reviews & Sales: 99 sales with a 5 star average review rating :)
Here's 3 of my favorite items from Etsy shop HollyODesigns:
Vintage crystal earrings Vintage pearl earrings Vintage style jewelry Vintage wedding earrings Bridal pearl earrings Crystal dangle earrings $30.00
Grey pearl chunky necklace Braided pearl necklace Bridal pearl jewelry Silver Statement necklace Elegant wedding Bridal jewelry Gift for her $90.00
Braided pearl BRACELET Chunky pearl bracelet Blush bridal jewelry Chunky pink bracelet Braided statement jewelry Blush wedding bracelet $55.00
Until next time, stay crafty!


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We're still trying to find uses for all of the fun fur we bought and didn't make into scarves. Making these trees with it was easy and a lot of fun!
1. Cones. We recycled these old cardboard bobbin cones, but you can use Styrofoam cones too.
2. Hot glue
3. Fun fur or other fun yarn
4. Marti Gras beads, beaded garland, or other strings of beads
5. Tree toppers. We used stars from a battery operated string of lights that no longer works. But you can use small ornaments, ornament stars, or even small Christmas balls.
1 Add a small vertical line (about an inch) of hot glue to the cone.
2. Wrap yarn around cone, crossing over glue until it is covered. Repeat these steps until tree is covered with yarn.
3. Fit star into hole in cone OR decide what other item you will use for your tree topper and glue it on top.
4. Starting at the top, wind beads around tree, using a few dots of glue to keep in place.
That's it! You can add buttons, sequins, or other things to your tree too, but we decided to stick mostly with beads!


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Traditional elegance meets casual coastal living in this meticulously cared for home in Wrightsville Beach. Its unique orientation – 6 degrees east of due south – takes full advantage of the sunlight and ocean views.
This completely renovated home offers four bedrooms and three full baths on two upper floors, with ground floor flex space that is fully climate-controlled.
Charming accents like Williamsburg style crown molding, colonial built-in bookcases and a large fireplace give this home a gracious character not often seen in beach homes.
The master bath features a spacious Jacuzzi tub, with American Standard tubs and bidets in each bathroom. Kitchen highlights include top of the line appliances and raised wood cabinetry.
Large decks on the upper floors are ideal for outdoor entertaining and relaxing.
This unique home has too many features to mention here – contact us today to see this listing for yourself.
Details on 17 Sea Oats Lane
- Bedrooms: 4
- Bathrooms: 3
- Square Feet: 2,500
- Age: 34
- Listing Price: $ 2,00,000 (as of 9/15/2015)
- Additional Features: Landscape sprinkler system, security system, double pane windows, window treatments.


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Diabetes and Exercise?
Learn how being diabetic can puts you, your children, and family at high risk for death.
According to data from the 2007 National Diabetes Fact Sheet, a total: 23.6 million children and adults in the United States—meaning 7.8% of the population have diabetes. Another 5.7 million people remain undiagnosed, and 57 million people are at risk for developing diabetes due to lifestyle and diet habits. Statistics detailing age group, race, complications, and death are staggering. In young people, under age 20, .22% in this age group have diabetes, one in every four to six-hundred children and adolescents has type one diabetes. In age groups of twenty years and older, 23.5 million, or 10.7% of all people in this age group have diabetes. And in age groups of men and women over the age of sixty years old,12.2 million, or 23.1% have diabetes. Men account for 12 million diagnosed diabetics, followed by 11.5 million diabetes diagnosed women, in America. By race, African-Americans lead with the greatest percentage, 11.8%, of diagnosed diabetics, followed by Hispanic (10.4%), Asian (7.5%), and Caucasian (6.6%) people diagnosed with diabetes in the U.S. The following statistics, according to the American Diabetes Association, should serve as a wake up call to all people at risk for diabetes:
Morbidity and Mortality
Diabetes was the seventh leading cause of death listed on U.S. death certificates in 2006. This ranking is based on the 72,507 death certificates in 2006 in which diabetes was listed as the underlying cause of death. According to death certificate reports, diabetes contributed to a total of 233,619 deaths in 2005, the latest year for which data on contributing causes of death are available.
Heart disease and stroke
• In 2004, heart disease was noted on 68% of diabetes-related death certificates among people aged 65 years or older.
• In 2004, stroke was noted on 16% of diabetes-related death certificates among people aged 65 years or older.
• Adults with diabetes have heart disease death rates about 2 to 4 times higher than adults without diabetes.
• The risk for stroke is 2 to 4 times higher among people with diabetes.
High blood pressure
• In 2003–2004, 75% of adults with self-reported diabetes had blood pressure greater than or equal to 130/80 mmHg, or used prescription medications for hypertension.
• Diabetes is the leading cause of new cases of blindness among adults aged 20–74 years.
• Diabetic retinopathy causes 12,000 to 24,000 new cases of blindness each year.
Kidney disease
• Diabetes is the leading cause of kidney failure, accounting for 44% of new cases in 2005.
• In 2005, 46,739 people with diabetes began treatment for end-stage kidney disease in the
• In 2005, a total of 178,689 people with end-stage kidney disease due to diabetes were living on chronic dialysis or with a kidney transplant in the United States and Puerto Rico.
Nervous system disease (Neuropathy)
• About 60% to 70% of people with diabetes have mild to severe forms of nervous system damage.
• More than 60% of nontraumatic lower-limb amputations occur in people with diabetes.
• In 2004, about 71,000 nontraumatic lower-limb amputations were performed in people with diabetes.
Dental disease
• Periodontal (gum) disease is more common in people with diabetes. Among young adults,
those with diabetes have about twice the risk of those without diabetes.
• Persons with poorly controlled diabetes (A1c > 9%) were nearly 3 times more likely to have
severe periodontitis than those without diabetes.
• Almost one-third of people with diabetes have severe periodontal disease with loss of
attachment of the gums to the teeth measuring 5 millimeters or more.
Complications of pregnancy
• Poorly controlled diabetes before conception and during the first trimester of pregnancy among
women with type 1 diabetes can cause major birth defects in 5% to 10% of pregnancies and
spontaneous abortions in 15% to 20% of pregnancies.
• Poorly controlled diabetes during the second and third trimesters of pregnancy can result in
excessively large babies, posing a risk to both mother and child.
Other complications
• Uncontrolled diabetes often leads to biochemical imbalances that can cause acute lifethreatening
events, such as diabetic ketoacidosis and hyperosmolar (nonketotic) coma.
• People with diabetes are more susceptible to many other illnesses. Once they acquire these
illnesses, they often have worse prognoses. For example, they are more likely to die with
• pneumonia or influenza than people who do not have diabetes.
• Persons with diabetes aged 60 years or older are 2–3 times more likely to report an inability to
walk one-quarter of a mile, climb stairs, do housework, or use a mobility aid compared with
persons without diabetes in the same age group.
Diabetes is a deadly disease. If you are a diabetic looking to improve your health, lose, weight, and live a better quality of life, please contact us today to learn more about fitness programs and weight loss plans for diabetics.


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The role of the Fire and Rescue Service in dealing with Tuesday's inferno in Ballymena town has been rightly - and widely - praised.
But their response to the call of duty is further put into perspective by the information that they had to deploy resources at almost exactly the same time to another major blaze in the area
NIFRS responded to a fire involving an oil tank and two garages at Orchard Hill in the Gracehill area of Ballymena shortly after 5pm on Tuesday.
Firefighters wearing breathing apparatus used two jets and a compressed foam jet to put out the fire. Fire crews from Ballymena and Maghera stations attended the incident.


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17 February 2010
Lets Keep It Clean
I like playing the field with soaps. You know...seeing what's out there - - but I always go to the same house. This month: Miss Greenbriar, "She gets me woodsy." Next month, "Anytime with the sublime, Miss Lime." They're both tarts. Citrus that is.
But please. Don't tell my soaps that men are as faithful as their options.
On Lexington bet 48th and 49th. Huge history. Fair prices. I'm buying all I can get today because of that, "Better Than It Will Be" thing. So as not to speak in code - - Some of the Caswell - Massey products are disappearing. And when they're gone - - It ain't gonna be like a bow tie from F. R. Tripler. It's soap and it truly will be gone.
12 comments:
- Alice Olive said...
I never know what I'm going to find here. The Trad has many parts. A good clean start to the day. (Pun absolutely intended.)
- 17 February, 2010 09:44
- Belle de Ville said...
Right now I have lavender soap in my shower. It is a little too sweet. I can see why you go for the tarts.
- 17 February, 2010 10:45
- La Maison Fou said...
I got a wonderful bar for my birthday in a rose scent; brought back memories of my Grandmother's house.
Luv the Casswell - Massey brand!
- 17 February, 2010 13:08
- M.Lane said...
I love everything from CM that I have tried. Good post!
- 17 February, 2010 14:43
- The Blushing Hostess said...
I use them in the back of drawers like sachets because they are enormous and the scent lasts forever. Disappearing! Say it isn't so...
- 17 February, 2010 14:49
- ADG said...
That's some real nice soap. Real nice.
Remember Mr.Bubble?
- 17 February, 2010 15:27
- Those Tricks said...
Hoarding soap, eh?
In a related story - my dad had a prized, last bottle of discontinued Armani aftershave that went to airport security. That was years ago and he still mourns the loss.
Don't leave that soap near the radiator, the trad.
- 17 February, 2010 17:22
- Chris said...
Kiehls Original Musk is my go to.
Anything originally called "love oil" has to be good.
- 17 February, 2010 22:26
(sound of a long inhale)
"MMMmmmmhhh,somebody's clean!".
MMH(sister to infamous ME)
- 17 February, 2010 23:33
- Brummagem Joe said...
CM used to stock Taylors of Bond Street (my stuff of choice) but no more....it's amazing the strength of habit when it comes to shaving soaps, brushes, aftershaves etc.
- 18 February, 2010 09:23
- Holly said...
I'm panicking & googling 'Caswell Greenbriar' immediately. For some unknown reason it reminds me of Pinehurst.
And don't kid yourself. Your soaps know you better than you think they do.
- 23 February, 2010 21:59
In the late '90s Hermie's Eau D'Orange Verte cologne (name change) and C-M St. Thomas Bay Rum soap-a-dope (package change?) turned up at Metrolina area Marshalls where they languished on the shelves for a few markdowns. Accumulated a sizable cache of each from whence T occassionallly d'raws without d'iminishment of d'scent.
- 24 February, 2010 04:10


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In the aftermath of Hurricane Maria's destruction of Puerto Rico (October 2017), ReNew went to work in the town of Caguas, working directly with the Gosen Iglesia de la Familia (the Gosen Family Church). Pre-storm, the congregation conducted an extensive community-based ministry, and their building served as a major "service center." Gosén's building was rebuilt with ReNew funds and construction teams, investing $45,000 into the project.
This included all the necessary materials to restore the worship space, educational wing, and administrative offices. Today, while Puerto Rico continues to recover, Gosén's ministry has been restored, and they are again working activity in their community. Designated donations to the Gosén project can still be forwarded directly to the congregation.


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Jody Kriss, developer with East River Partners, works primarily on restoring historic structures across Brooklyn and Manhattan. As most New Yorkers know, a lot of these buildings do not comply with today's building code requirements, and they need quite a bit of work before they're ready for a modern family to move into. A team of writers from the New York Times recently reported data that reveals how much codes have changed, and they realized the differences are extensive. By today's standards, around 40-percent of the buildings that currently exist in Manhattan would never come to fruition if the developers tried to get permits to construct them today. Here's a brief overview of some of the buildings that would be nixed, and why.
Many Buildings are Too Tall
The Financial District's Equitable Building, which sits at 120 Broadway, is truly a marvel. However, it's also a massive 538 feet tall. It's said it cast a seven-acre shadow when it was constructed in 1915. Many of the buildings in its vicinity were much shorter at the time, and received no sunshine at all as a result. Over worry that structures like the Equitable Building would become the norm, the city decided to enact its first building codes. These codes addressed height, as well as "setbacks," which mandated that later buildings would have to have a tapered shape, or steps, as they rose in height. Manhattan is packed with buildings that don't fit today's standards, especially on the Upper East and Upper West sides.
Other Buildings are Too Dense
The housing shortage in New York City has caused some serious headaches over the years, which Jody Kriss and East River Partners have corrected on many of their projects- offering the spacious floorplans that that are necessary for comfortable living. However, many of the city's older buildings still bear the markings of their age, and are overloaded with apartments in a feeble attempt to make space for everyone. These cramped living conditions led to numerous hazards, including fire dangers and general health concerns. Some of the most notable examples of this are referred to as "dumbbell tenements." When the city mandated that builders incorporate a clean air source into every inhabitable room, they opted to keep the structures close together, while allowing just enough space for an air shaft between them. This enabled early builders to cram even more apartments in the tiniest footprint possible. The worst offenders for overcrowding are the West Village and Chelsea.
While these buildings add to the overall charm of New York City and give us a sense of nostalgia, the building codes have been put in place to help make the city more livable. This is, in part, why the work that Jody Kriss and East River Partners does is so important. By preserving the historic structures, NYC retains its unique vibe, but it also gains the high-quality living spaces that are in such short supply these days.


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A nurse-delivered adherence intervention strategy improved markers of HIV, increased quality-adjusted life years (QALYs), a measure of quality and quantity of health, and saved money, a Dutch trial published in The Lancet Infectious Diseases found. Adherence measures whether people take their medications as prescribed. QALYs estimate how much longer someone could live in good health if a specific medical intervention were provided.
Researchers trained 21 nurses at seven HIV clinics across the Netherlands to deliver the Adherence-Improving s elf-Management Strategy (AIMS). They then randomized 221 people living with HIV to receive either standard adherence counseling or the AIMS intervention during routine care. Study participants had either never taken antiretroviral medications or had taken them for at least nine months and were at risk of having their virus levels rise again (viral rebound). QALYs were calculated based on data from more than 7,000 Dutch people living with HIV.
Standard counseling consisted of a patient leaflet, verbal information on the benefits of adherence and when and how to take the medication, a discussion of the patient's daily routine to determine the best adherence strategy and a telephone number to call in case of problems. At follow-up visits, the patient and nurse discussed how well the patient was doing in taking the medication as prescribed, any problems with doing so, side effects and the patient's viral load and CD4+ cell count results.
Related: The Importance of Adherence: Taking Your HIV Meds Regularly
The AIMS intervention included electronic medication bottle caps (Medication Event Monitoring System or MEMS caps) that provided a printable report of when/how often the medication had been taken. The caps record when the medication bottle is opened and assume that the drug was then taken. In addition to information about the benefits of adherence, the nurse discussed the patient's report and any problems it might reveal. During follow-up visits, nurse and patient reviewed the adherence goal that the patient had set for him or herself and explored how to overcome barriers if the goal had not been reached. MEMS caps including a display were offered to help patients self-monitor their adherence.
Participants' viral loads and CD4+ cell counts were recorded 5, 10 and 15 months after the start of the intervention. Over the course of the study period, viral load remained at or returned to detectable levels (more than 50 copies/mL) in 9.6% of those in the AIMS arm and 16.7% in the standard treatment arm. Average CD4+ cell count rose steadily to almost 600 cells/μL at the third follow-up visit (15 months) in the AIMS group. In the standard treatment group, the highest average CD4+ cell count was achieved at 10 months (close to 570 cells/μL) but fell again by the end of the study period.
AIMS dominated in all incremental cost-effectiveness ratio (ICER) calculations, with lifetime costs of about EUR 200-1,100, depending on the scenario selected and the estimated effect of the intervention beyond its end. The same calculations produced lifetime QALYs gained of 0.016 to 0.049. ICERs are used to compare the cost of two medical interventions while considering their respective effect. When these data were extrapolated to 10,000 people over the course of 18 months, almost EUR 6 million could be saved and 340 QALYs gained.
About 60% of those approached for the study refused to participate. The MEMS caps were cited most often as a reason. Potential participants considered them "too big or impractical." The report does not say whether they also expressed privacy concerns about the electronic data gathered by these caps.
Study authors believed that this barrier could be overcome if such caps were included in routine care. They also expected more user-friendly caps to become available soon. Based on study results, "implementation of AIMS in routine HIV clinical care is therefore strongly recommended," the authors wrote. The Netherlands is currently considering inclusion of AIMS in national HIV treatment guidelines, accompanied by insurance reimbursement for electronic adherence monitors and training of health care professionals across the country.


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I had a water leak on my slide and told them pretty much where it was. I instructed them to remove the slide topper as it was at the top. Needless to say they proceeded to do it their way and took over a month then did not do what I asked. Their fix was to put sealer all around it and make a holy mess, then charge me $1500.
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A plough by any other name
4th December 2017
If you would still like to buy a 'Dowdeswell' style British built plough don't despair. Hubert Ploughs in Suffolk and Dunns ploughs in Devon are building ploughs in the UK using mainly tried and tested Dowdeswell parts. The ploughs are sold under their own name and have some components manufactured by themselves.
Hubert Ploughs
Hubert ploughs are concentrating on the larger plough market 6 to 10 furrows which would have covered the Dowdeswell 141,145 and 170 range. For more information follow the link:
Click here to go to the Hubert Plough range on the Agri-Hire website
Picture above: Hubert AH2145
Dunn's Ploughs
Dunn's ploughs are looking more at the 4-6 furrow market which would have covered the Dowdeswell 100, 105 and 125 range. They are also intending to manufacture a hydraulic reset version. For more information follow the link:
Click here to go to the Dunn's Plough range on the Dunn's website
Picture above: Dunn's DN 205


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Man opens fire on girlfriend's car, takes own life during chase, sheriff says
Woman filed charges related to 14-year-old daughter before to shooting
Woman filed charges related to 14-year-old daughter before to shooting
A man died and his girlfriend was injured after a shooting on a county road in Holmes County, authorities said.
The incident was reported about 12:15 p.m. Monday, Sheriff Willie March said.
Perry Lee Laticker Jr., 42, sent a text message to his girlfriend that said that "the Lord had called for them." The text came shortly after Laticker's girlfriend filed charges against him claiming, that he had an inappropriate relationship with her 14-year-old daughter. Latticker lived with his girlfriend and her daughter, March said.
Laticker tracked down the woman and her daughter as they drove on Ebenezer Road and began shooting at their car, March said. One of the bullets struck the woman in the shoulder. The girl was not hurt.
Deputies used OnStar to track Laticker's car and gave chase. Latticker pulled out a gun and killed himself during the chase, March said.
Two assault rifles and two handguns were found in Laticker's car, March said.
The woman, who has not been identified, suffered non-life-threatening injuries.


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"To Wang Fu, thanks for everything, Lancelot."
Lancelot Link: Secret Chimp was a parody of spy movies and TV shows starring chimpanzees. Imagine Our Man Flint On the Planet of the Apes (which, now that I think about it, sounds like boffo box-office...). Lancelot Link was the top agent of A.P.E. (the Agency to Prevent Evil), a secret quasi-military espionage organization whose job was to protect the simian race. Their main adversaries were C.H.U.M.P. (Criminal Headquarters for Underworld Master Plan), which of course sought world domination. Lancelot was aided by the beguiling and seductive Marta Hairi, and took his orders from Commander Darwin. Baron Von Butcher led the bad guys, which also included such apes-gone-bad as Wang Fu (inscrutable Oriental), the Duchess (wicked seductress), Ali Assa Seen (pre-oil embargo Arab villain), and the mad scientist Doctor Strangemind. When not fighting international terrorism, the good-guy apes kicked back - like so many Saturday-morning characters of their time - by performing in their own far-out psychedelic rock band, the Evolution Revolution. An album of their songs was released (fortunately or unfortunately, the music on it was played by human musicians).
The series has recently been released on DVD. Collectibles from the time can still be found on eBay and in flea markets and garage sales around the country. You can view a gallery of Lancelot Link comic book covers by going here.
Voice talent:
Dayton Allen - Lancelot and others
Joan Gerber - Marta Hairi and others
Steve Hoffman - various
Bernie Kopell - various
Malachi Throne - the narrator and other voices


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We have a wide variety of activities for Young people here at Cregagh, there are groups which meet weekly such as, Guides groups and Scout Groups, as well as one off events like weekends away or day trips and outings.
We also Have Youth Fellowship every Sunday from 8:00-9:00pm, everyone from P7 and up is welcome.
We welcome all new members to any of our groups and most contact information can be found on our website.
If you want any further information please feel free to contact us.