text:
Debts refer to the amount of money borrowed from another party (the creditor). Perhaps you are planning to buy a property, expand on your business, or pay other unplanned bills but don't have the ready/sufficient capital to make such purchases or transactions. In such cases, you may decide to borrow some cash either from financial institutions, trustees, or friends.
When borrowing, it's important that you be very mindful of how you'll make repayments. Unfortunately, sometimes you may find it difficult to settle the debt promptly as earlier planned. When such circumstances prevail, you can reach an agreement with the lender/creditor through a Debt Settlement Agreement.
What is a Debt Settlement Agreement?
A debt settlement agreement is an agreement reached between a creditor and the debtor to resolve the outstanding debt balance. Usually, this form of agreement comes when the debtor isn't in a position to make full repayment of the dues owed. Instead of defaulting the debt or chasing down payments, the Agreement Form comes in handy to help both parties to create new rules that will make it easy for the borrower to service their debts. For instance, both parties can agree that the debtor makes partial payments for a certain period of time. The following are some of the reasons why you need a debt settlement agreement.
Free Agreement Templates
Our collection of free debt settlement agreement templates offers a transformative solution to help individuals overcome their debt burdens and pave the way toward a brighter financial future. With these comprehensive templates at your fingertips, you can navigate the complexities of debt settlement with confidence and clarity. Whether you're an individual seeking to negotiate a settlement with your creditors or a creditor looking to formalize an agreement with a debtor, our templates provide the framework for a fair and mutually beneficial resolution. Take control of your financial destiny today with our ready-to-use debt settlement agreement templates, designed to simplify the process and alleviate the stress associated with debt.
Reasons for Signing a Debt Settlement Agreement
First, a debt settlement agreement is a formal document hence legal. Therefore, it can be used as proof or evidence that the debtor and the creditor came into an agreement regarding the outstanding debt.
Secondly, a debt settlement agreement provides proof of a transaction or even processes that the parties will engage in. In other words, it provides rules and regulations that the debtor will follow while making repayments of the dues.
Also, a debt settlement agreement provides the creditor with an assurance that the debtor is willing and committed to settling the dues.
How Do you Write a Debt Settlement Agreement?
Writing a debt settlement agreement presents a challenging task for many. If you want a readily written template, you can go ahead and download it here. These debt settlement agreement templates are professionally written to give you an easy time when filling. Also, they are highly customizable to suit your preferences and convenience. However, if you want to write one on your own, the following steps will guide you.
- Start with the names and addresses of both the debtor and the creditor.
- Then an acknowledgment of the debt should follow.
- Mention an agreed settlement amount as well as a time frame.
- Note that the debt settlement firm will supersede the prior agreements or negotiations made in regard to the debt.
- Further assurances, rules, and recommendations are made.
- Sign of from both parties. By signing, the document is executed and becomes legal.
What Are The Consequences Of Failing To Adhere To The Debt Settlement Agreement?
Depending on the states where you reside, failure to honor the debt settlement agreement can attract various kinds of penalties. Generally, the following are some common consequences of not adhering to a debt settlement agreement.
Bankruptcy. Failure to honor a debt settlement agreement can be considered as an act of bankruptcy. When rendered bankrupt, you will not be able to apply for future credits successfully.
Violating a debt settlement agreement gives the creditor the right to sue you in a court of law and face charges accordingly.
Also, when the period stated in the debt settlement agreement elapses without any noted obligations, the creditor, through the security of credits, will use the opportunity to sell all the items you enlisted as security.
Frequently Asked Questions
A debt settlement agreement is a legally binding document that a creditor engages with the debtor in order to repay the outstanding debts. As mentioned above, these agreements allow the debtor to make repayments in small portions which he or she can afford.
For you to be eligible for the debt settlement agreement, you should be insolvent. In other words, you should be in a position in which you can't afford to repay your debts as per the original agreement. Secondly, you need not be bankrupt within the last ten years or so.
The moment you've signed a debt settlement agreement, all your unsecured debts get frozen. In other words, there will be no other interests or charges applied to the debt. This is meant to enable you to settle your debt as per the agreement.
The only types of debts that can be included in the debt settlement agreement are provable unsecured debts. These include medical bills, credit cards, personal loans, to mention a few.


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subset: commoncrawl


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14 days
Hey You!
Scrutineering Bay
Not that it's any of
my business
Notes from the
Across the Border
Focal Point
Mail to a friend
Penalty Box
Family and friends
Postcards from the
Goodwood - The alternative motor show
With the demise of the British Motor Show after a couple of lack-lustre events
in London, could the Festival of Speed be poised to fill the void? Certainly
some manufacturers seem to think that is the case.
Audi, for example, did not attend the last London Show and yet this year saw
their thirteenth appearance at Goodwood, where they were celebrating the
company�s centenary. �Yes, it is expensive� said Audi�s David Ingram, �but
it�s cheaper than doing a ten-day show and this is our core market.�
Indeed, some 152,000 visitors passed through the gates, the second highest
attendance in the seventeen-year history of the event, suggesting that the
public have not lost their appetite for all things motoring. And this on a
weekend when Renault also drew 135,000 attendees to their free event at
Silverstone, the HSCC Superprix was in full swing at Brands Hatch and the
Formula 3 and GT Championships were performing at Snetterton.
Audi took centre stage � literally � with s spectacular display in front of
Goodwood House featuring an R10 together with a pre-war streamliner, but
occupying a prime position on the other side of the track Audi had built an
edifice that would have done credit to many a permanent dealership. In
addition to a �showroom� there was a terrace overlooking the track, from which
their guests could watch the action. And of course there were many Audi
products in action, from pre-war Silver Arrows to the latest diesel Le Mans
cars. For those who took a walk into the country they would have seen a
variety of quattro rally cars on the rally stage. Together with the opportunity to
display the current � and future � models, you can understand why
Goodwood provides the perfect setting for manufacturers like Audi.
As you would expect, German rivals Mercedes-Benz took-up an equally large
plot at the opposite end of the ground, where SLR models both old and new
were grabbing a lot of attention in amongst the rest of the range � yes, this
resembled a dealership showroom too. Like Audi, Mercedes also brought
along a staggering array of historic race cars to demonstrate on the hill, and
between them they brought along what was said to have been the largest
number of �Silver Arrows� ever seen in one place. Things were brought upto
date with a recent DTM car, whilst last years� World Champion Lewis
Hamilton wheeled out an �08 Mercedes-powered McLaren F1.
Separating the two Germans was Alfa Romeo, the Italians celebrating their
99th birthday (there�s a clue to next year�s featured marque!) with a fine
display of current models in the stunning metallic red introduced with the 8C
Competizione. The drop-top 8C was however in pearlescent white. Alfa also
brought along a couple of gems from their Museum to enter into the Cartier
Style et Luxe concours. One of them was a particular treat for me; I have
waited forty years since seeing the stunning T33-based Carabo at the first-
ever motor show I went to in London in 1968 to get a decent picture of it.
That other member of the teutonic triumvirate, BMW, chose to concentrate on
motor-cycles. However, available for viewing in a box was the new BMW 5
Series Gran Turismo, due on sale in the UK in October. This was a sneak
preview of a new model � �No Photography� shouted the signs on entry to the
�box�, but the car has already been snapped by all and sundry at the Geneva
Motor Show last March, so why the secrecy? BMW claim it to be a new
approach for those who want the practicality of an estate and the versatility of
a modern SAV. In other words, it�s a hatchback!
Porsche didn�t have a display stand although their presence elsewhere was
hard to miss, what with tributes to the 917, celebrating it�s 40th birthday. The
brand new four-door Panamera did take part in the Supercar runs but was
otherwise hidden away in the rather cramped paddock allocated to the
exotica. Some would say that �out of sight� was probably the best thing for
the lumpy porker � Porsche just don�t do style, aside from the everlastingly
delighful 911, do they? Allegedly, some wag on the press launch was likening
it to the very unlovely AMC Pacer!
Whilst mentioning the Supercar brigade, it did give the opportunity to some of
the smaller manufacturers to strut their stuff, and indeed for many visitors it
was probably a unique opportunity to both get up close and personal and see
and hear some stunning machinery in action. The carbonfibre-bodied Pagani
Zonda and the Koenigsegg CCX-R alone were worth the entry fee! Your
average Ferrari or Jaguar looked almost pedestrian alongside them, whilst the
rather gorgeous new Lotus Evora was a little overshadowed in this company,
which was a shame.
Back in the real world Japanese makers Toyota and Nissan, with pitches side
by side, took very different approaches. Toyota had erected their traditional
large stand in corporate colours, but concentrated on showing race cars past
and present, including the magnificent Toyota 7 Can-Am beast. They also
gave members of the public the opportunity to be Grand Prix mechanics for a
few minutes as they ran a wheel-changing contest throughout the weekend.
Nissan took a different approach....
�We didn�t have a big budget for the event, so we thought we�d be different�
explained a young lady from the marketing department. No big flashy stand,
but three shipping containers painted matt black, with the public allowed to
adorn the inside of one with graffiti, a shanty bar and shop. But then, who
needs flashy when you�ve got the GT-R and 370Z to do the talking for you?
Remarkably, I was informed that Nissan have taken 1,200 orders for the GT-R
in the UK and delivered 700 cars so far.
Despite their long-running history of sportscars with the Skyline and Z ranges,
Nissan see themselves as having stepped into new territory with the GT-R
and have built a marketing programme around that theme. The �war� with
Porsche at the Nurburgring has been well documented as both claim bragging
rights as to who has set the fastest lap time around the fabled Nordschleife,
but open up the GT-R brochure and the first thing that hits you is a black
page simply adorned in large print with the words:
�7�29�03, 17th April 2008, Nurburgring Germany�. Classy or what?
Mazda too put on a substantial display, but I didn�t work out the significance
of the full-size model cows! Their relatives at Ford rather missed a trick; they
gave their name to the Media Centre and consequently displayed a few cars
outside, including a new Focus RS, but it was rather tucked away from the
public gaze, who were in any case far too preoccupied trying to nab
autographs from stars as they came in and out of the adjacent Driver�s Club.
And talking of missing tricks, how about Jaguar? They put on an excellent
display, pretty well in the centre of the ground, featuring the latest version of
the XKR etc, which grabbed a lot of attention, but... Just a few days later
Jaguar launched the exiting new XJ model on the internet. Yes, this medium
attracts a lot attention but probably mainly from people who will only get as
far as sticking a poster of the car on their bedroom wall. Think of the column
inches and potential buyers they could have generated at Goodwood � a
missed opportunity.
Jaguar�s partners at Land Rover also put on a good display and of course
their products were very much in evidence over the weekend seeing service in
all the sorts of roles that Land Rover is so good at. What better advert?
Further reflecting the significance of Goodwood as an industry event is the
recent introduction of the FoS-TECH Pavilion. If you believed everything
mainstream media told you about the motor industry you�d think all was
doom and gloom, that manufacturers were crashing left right and centre and
that the car was doomed as a means of transport. Yes, there are hard times
at present, and yes, there is a political agenda to stop you from enjoying your
car � or even driving at all � but the government responsible for both those
situations won�t be around for ever (that�s down to you, the voter). However,
much is being done to combat the real challenges, such as the need to find
alternative sources of power, for instance.
There�s a real thirst for information too. Last year, the FoS-TECH pavilion was
rather spoilt by the fact that most exhibits were unmanned leaving an
inquisitive public unrequited. Criticisms seem to have hit home, for this year
was much better. I�ll return to this facet of the Festival in more detail with
another feature, so will concentrate on the manufacturers here.
Ford�s presence elsewhere may have been low-key, but in FoS-TECH they
displayed the Iosis Max, at first glance a concept car with some interesting
thinking. However, Iosis is very much the pointer to the next generation Focus
and C-Max. The body shape is pretty much as it will make it into production,
although the B-pillarless door arrangement may not make it, more for parking
practicality reasons than technical feasability. A pity, as in conjunction with
the seating arrangement in the Iosis it makes a lot of sense.
Citroen have taken a flick through their back catalogue for inspiration as to
how to save weight, reduce fuel consumption and so on. Yes, they�ve re-
invented the 2CV in the form of the C-Cactus concept. Weight has been
saved by stripping out all the non essential components � like door trim
panels and the dahboard, just leaving the basic instruments, reducing overall
weight to 1,109 kg.. Mind you, thirty years ago the 2CV weighed in at just
over half that, 560 kg... The 3-cylinder diesel hybrid engine is said to be
capable of returning 80 mpg, whereas the 2CV �only� managed 47 mpg.
Citroen had the GT concept car out in the Supercar runs, it having done a tour
of London en route to Goodwood.
One side of FoS-TECH should have been called �Electric Avenue� as this form
of power is emerging as very much the frontrunner in the search for an
alternative choice to petrol. Bio-fuel has rather been pushed to the sidelines
and Lotus�s bio-fuel Exige seemed rather old hat. It�s a great little car though,
as a few hot laps around the Hethel tast track proved to me earlier this year.
The fuel does give a small increase in power over petrol too.
By contrast Tesla, the Lotus-based and built electric sportscar has almost
become mainstream. UK sales are about to begin from the newly-opened
Knightsbridge, London showrooms and the company has recently joined the
Society of Motor Manufacturers and Traders � how establishment is that?
With the only official example of the marque at Goodwood running with the
Supercars, it was left to German tuning house Brabus to display a Tesla in
FoS-TECH. Yes folks, the mighty German tuning industry, those bastions of
bulging horsepower, have embraced eco motoring! Brabus have introduced a
range of styling bits for the Tesla as well as developing a engine noise
Brabus are not alone either for RUF, purveyors of rather extreme Porsche-
based machines have also gone the electric route. Working in conjunction
with Siemens Corporate Technology they have created the RUF Greenster,
an electric-powered Carrera Targa. Initially the car has a single 270 kw, 950
Nm torque, electric motor. However, when it goes into limited production next
year it should have a double-motor concept with bi-directional recharging
ability. Performance is impressive with a maximum speed of 250 km/h, 0-100
km/h time of about 5-seconds and a range of 250 km. Whilst the styling of
the show car is retro, complete with pea-green paint, aluminium roll hoop and
perspex zip-out rear screen, the price of 180,000 Euros (ex tax) most
certainly is not. However, such is the progress of technology, this could well
go down rather than up by production time. Oh, and sorry, there�s no noise
synthesiser. That�s not what electric cars are about, say RUF. How times
Viewers of BBC Top Gear last week might have seen the boys ridiculing
Renault�s �van with yellow windows�. This was actually the Renault Kangoo be
bop Z.E. and is an all-electric car very close to production and due on sale in
2011, which is probably more than could be said for the Ondelios limousine
concept. However, Renault also proved that electric is nothing new by
bringing along a 1959 electric Dauphine, one of 47 cars convereted by
National Union Electric Co.in the US. It was capable of a heady 40 mph and
40-mile range, although this was uprated to 60 mph/60 miles in 1960.
Something nice and symmetric about that.
Special mention should be made of Morgan, for the outwardly traditional
makers of sports cars celebrates its 100th birthday this year, yet was
equally at home in FoS-TECH, where they displayed the fact that they are
building an ultra modern-looking coupe around an ash frame!
If all that modern techie stuff was too much for you, the Cartier Style et Luxe
concours took you neatly back to a largely gentler era, where entrants ranged
from the earliest known surviving Morgan, various Bugatti�s, a selection of
Mini variants (yes, the Mini is 50!), through various concept cars to a fabulous
1934 Hispano-Suiza H6C Xenia. A motley collection of Z-list �celebs� ranging
from TV cook James Martin � he who made a prat of himself on the Mille
Miglia earlier this year � to Yasmin Le Bon, none of whom were known for
their apparent expertise on the subject, carried out the judging but they at
least arrived at the �right� decision by choosing the Hispano as winner.
There�s an amusing story attched to one of the cars shown, the Vauxhall XVR
concept. When Goodwood called Vauxhall to ask about availability of the
XVR. �It no longer exists� was the reply. Oh yes it does, replied Goodwood�s
man in the know, and what�s more he was able to tell them whereabouts in
their storage facility they could find the car! Potential buyers of GM Europe
should be aware � since they don�t know what they�ve got you might get more
than you bargained for!
And that final sentence sums-up the Goodwood Festival of Speed admirably �
you might just think you are going to see a few old cars trundle up Lord
March�s front drive, but actually you are visiting a motor show! I wouldn�t bet
against there being even more manufacturers present at the Festival of Speed
next year.
John Elwin, August 2009


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Spiritual Companion
I am a Spiritual Companion Educator. The Spiritual Companions Trust is an educational charity founded by William Bloom dedicated to supporting people in a holistic approach to spirituality.
As a Spiritual Companion, I offer support to people on their spiritual journeys in both formal and informal settings, at times when life can be challenging.
I May Remind You that Life is a Spiritual Journey
When appropriate, I may have a conversation with you exploring that, whatever our circumstances, we are on a life-long journey of spiritual and personal development, developingheart and consciousness. I will reassure and support you through careful listening and enquiry to fully understand your personal story and circumstances.
And I May Help You Develop Your Spiritual Practice
If appropriate, I may help you explore skills, practices and understandings that will support you in self-managing your spiritual and personal journey.
All Spiritual Companions agree to the Spiritual Companions Guidelines.


text:
Product Summary
There is no speed limit for this ski. Aggressive skiers pushing the ski to its limit will be fascinated. The ski is available from 165 to 175cm. This ski is a real cruiser and loves long turns. With a radius from 20 m to 21 m (depending on the lengh of the ski) you shouldn't expect too much in short turns.


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Why vishing is the new phishing and how to guard against it [Q&A]
We're all familiar with the menace of phishing but, particularly following the recent Twitter attack, other methods of stealing credentials have been on the rise.
These include 'smishing' (phishing via SMS) and 'vishing' (phishing by voice call). We spoke to Ed Bishop, CTO at email security company Tessian to find out how businesses can identify vishing and smishing attacks, how the attacks work, and how companies can protect their employees.
BN: Why are these types of attacks on the increase?
EB: Attackers are always looking for ways to bypass security defenses and trick people into carrying out their malicious requests. Vishing and smishing attacks are two types of social engineering attacks that do this effectively, and that's why we see the number of incidents increasing. For example, the victim of a vishing attack will receive a phone call from a scammer, pretending to be a trusted person who's attempting to elicit personal information such as credit card or login details. Hackers use a range of advanced techniques such as faking caller ID and using synthetic speech to trick their targets. As the saying goes, seeing -- or hearing -- is believing. If you receive a call from someone pretending to be a senior figure in your company, why would you ignore or question it?
Cybercriminals have certainly exploited the remote-working arrangements throughout the COVID-19 pandemic to advance their vishing and smishing campaigns. In fact, the FBI and CISA issued a statement warning businesses about an ongoing vishing campaign whereby hackers spoof login pages for corporate VPNs, to steal employees' credentials and access personal information about the employees. The attackers, then, use unattributed VoIP numbers to call their targets on their personal mobile phones. Posing as IT helpdesk agents, and using a fake verification process using stolen credentials, they can gain the employee's trust. The problem is that it's more difficult for an employee to physically and quickly verify the request with a person in the office, for example.
Given that these attack methods are more targeted and more sophisticated than a generic phishing email, they're difficult for people to detect and can be very successful. Once their target has shared login details over the phone, hackers can access the company's networks and systems to cause serious damage.
BN: Are some kinds of organizations particular targets?
EB: Any organization that manages sensitive information is susceptible and a target for attack, but there are certain industries that are at higher risk than others like healthcare/pharmaceuticals, education and manufacturing. Bad actors often impersonate large trusted consumer brands due to the amount of email communications with their customers. People should be suspicious of any type of email or call asking that they confirm their credit card details, home address or password. We are also seeing hackers adjusting their tactics based on current events, and in the era of COVID-19 and work from home, many hackers are using Zoom to launch email attacks on unsuspecting employees.
BN: What are some of the clues that a call may not be all that it seems?
EB: Today's vishing and smishing attacks are becoming more sophisticated, but there are certain questions to consider to determine if it's legit or not. For example, does the call or text use fear to prompt a response (like late to a meeting, late payment or fraudulent activity)? Does the caller use a specific name or company when identifying themselves? Do you recognize the number or area code? Also keep in a mind that a legitimate company or its employees would not be calling you out of the blue to ask about credit card details, for example. If they send a text message, take a close look at the link as well; bad actors will often shorten the URL so the recipient can't see the link they are being led to.
BN: What should you do if you suspect that a call or text isn't genuine?
EB: If you receive a suspicious message, the first rule is: don't respond. If a text or email requests that you follow a link -- or if it's a phone call asking you to divulge information -- ignore it, at least until you've confirmed whether or not it's legitimate. Make sure that you're always verifying requests with the person directly. You can do this by asking them something only they would know to verify their identity, or by calling them on the phone directly, which is especially important if a message appears to be from a trusted institution. For example, if a message appears to be from your phone provider, search for its customer service number online and discuss the request directly with the operator.
If you receive a vishing or smishing message on a work device, report it to your IT or security team. If you're on a personal device, you should report significant attacks to the relevant authorities in your country, such as the Federal Communications Commission (FCC) in the US or Information Commissioner's Office (ICO) in the UK.
BN: Is training in identifying threats key to fighting the problem?
EB: Education and awareness for employees across the entire organization is really important. While people can find resources online, employers should be providing all employees with IT security training, which is actually a requirement of data security laws, such as the General Data Protection Regulation (GDPR) and the New York SHIELD Act.
But training is only half the battle. We can't expect employees to get it right 100 percent of the time, and -- as we learned in a previous Tessian survey -- it only takes one mistake to permanently damage a company's reputation and relationships. That's why we need to prioritize and protect employees. The only realistic way to mitigate this growing risk is through a combination of training, awareness and technology that can detect social engineering scams and warn people of the threat.
Image credit: Di-Studio/depositphotos.com


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Read, S., Bath, P.A., Willett, P. et al. (1 more author) (2013) New developments in the spatial scan statistic. Journal of Information Science, 39 (1). 36 - 47.
The quantity and variety of spatial data have increased over recent years, and the variety and sophistication of tools for analysing this type of data have also increased. One such tool is the spatial scan statistic, which is freely available (www.satscan.org) and has been the subject of much scholarly research since its introduction in 1995 owing to its numerous applications in epidemiology, criminology and other fields. This paper provides readers with a non-technical introduction to the spatial scan statistic, together with an overview of associated research, which focuses particularly on work conducted at the University of Sheffield's Information School, in collaboration with the School of Health and Related Research. This work falls into three main areas. First, we provide an examination of the probability of obtaining false alerts when using the statistic, and ways in which this can be managed. Second, we describe the development of a definitive way of measuring the spatial accuracy of the statistic. Third, and potentially the most important in terms of impact, we discuss a means of substantially increasing the detection capability of the statistic by placing a realistic constraint on the strength of any cluster that is likely to be present in the data. The paper also provides a discussion of potential future research directions.
|Copyright, Publisher and Additional Information:
|© 2013 SAGE Publications. This is an author produced version of a paper subsequently published in Journal of Information Science. Uploaded in accordance with the publisher's self-archiving policy.
|Case-control study; Geospatial data; Spatial epidemiology; Spatial scan statistic
|The University of Sheffield
|Academic Units:
|The University of Sheffield > Faculty of Social Sciences (Sheffield) > Information School (Sheffield)
|Depositing User:
|Symplectic Sheffield
|Date Deposited:
|25 Feb 2014 16:07
|Last Modified:
|25 Feb 2014 16:07
|Published Version:
|SAGE Publications
|Identification Number:


text:
Londn Blue – Live My Life (Audio)
Wow. Enjoyed the song from the jump. Too many real aspects in this song I can relate to.
Londn Blue releases his new single Live My Life. Fresh from features on Hot97 and Hip Hop Since 1987, the new single also features production from himself and labelmate Ande Bishop.
If you're feeling Live My Life by Londn Blue as much as we are then sound off in the comment section below! Be sure to also order his album now and support underground Hip Hop –> False Hope.


text:
- Total128
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By Marie Tonette Marticio
TACLOBAN CITY – Over 5,000 persons with disabilities, pregnant women and senior citizens would be able to avail of free public electronic transport from the local government of Naval in Biliran province.
Mayor Gerard Espina said the project, which is first in Eastern Visayas, recognizes the sectors as integral part of the community.
It is also one way of introducing an eco-friendly and sustainable mode of transportation in their effort to reduce air pollution in the province's capital town.
The free shuttle service, which operates from 7 a.m. to 4 p.m. would be placed in six designated stations where the G- shuttles are only allowed to stop with one minute waiting time.
"The point-to-point shuttles are located at the municipal hall, Calutan, Canto Nueve, town public terminal, Naval Gym and Naval Central School, where passengers are only allowed to ride and get off in consideration of the pedicab or 'sikad-sikad' drivers.
Each passenger is only allowed to have one companion when riding the G Shuttle.
Mayor Espina shared that they may create Line 2, which will include the Provincial Hospital, Caneja Extension, PNB and Naval Cathedral if said project becomes successful.


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All the things
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The Mossier crew is planning for all things 2023. If you aren't a member yet, we need to change that. If you are a member and want to contribute to our 2023 ideas, we need to hear from you. Contact us
Call for facilitators
Got something to say about Queer rights at work? Maybe you are an experienced facilitator looking to contribute? We're always on the lookout for good peeps, so drop us a line. Contact us
Upcoming Meetups
From February: Being anti-racist
Race. Gender. Healthcare. Politics. White supremacy. Identity. We bring each of these with us when we go to work every day, and many organizations haven't gone past defining equity. Queer workspaces should address the intersections of orientation and gender while actively destroying all racist mechanisms and systems.
From June: Gender WTF!
Mossier's April meetup takes you beyond the boxes of gender, boxes that stem from the colonial, white supremacist foundation our country was built on. We'll talk about changes you can make (literally today) to antiquated policies and procedures and define individual and collective responsibilities to build gender-expansive workplaces. Yes, gender equity is 100% possible, and yes, you are part of the fight to ensure Transgender and Nonbinary siblings are safe, affirmed, and celebrated at work.
From August: Has DEI gone normcore?
Think about it. DEI leader's turnover is something like 18 months, and Queer people (especially Queer POC) are way more likely to have experienced discrimination related to gender, sexuality, or identity. We celebrate Pride flags and statements about racial justice, but there's so much more to do in order to realize what inclusivity means to our culture — and most importantly — what's our role in making it happen.


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Just beginning to realise just how much I read. I must be exhausted but obviously haven't noticed because the TBR (to be read) pile never seems to diminish, and I can't afford to think about it. This month I have two paranormal series I have really […]Continue reading
Tag Archives: Gabriella Messina
The mind of a reader
Apologies if this comes to you twice but my links got a little messed up and I had to fix. During these last few months of questioning my goals I have made it a point to random read. I seriously mean there hasn't been a pattern to choices. As a blogger I follow blogs and […]Continue reading


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Irish Coach Daniel Nelson
Coach Daniel Nelson came to Europrobasket with a high level of coaching. Starting at a very young age, coach Nelson has been around the world coaching men's and women's teams from the junior level to the professional level. He began his coaching career in his home country of Ireland. In 2011 he took an opportunity to coach abroad in Australia, and has since been overseas coaching in the NBL, the First Division in Australia as well as in numerous German basketball leagues such as the BBL, Germany's First Division.
Previous experience
- 2016-2017 Giants Nordlingen, Germany Pro-B – Head Coach
- 2015-2016 Kirchhiem Knights, Germany Pro-A – Assistant Coach
- 2014-2015 MHP Riesen Ludwigsburg, Germany BBL – Assistant Coach
- 2014-2015 Porsche BBA Ludwigsburg, Germany NBBL U19/Rego.2 Men
- 2011-2014 Perth Wildcats, Australia NBBL – Assistant Coach
- 2012-2015 Australia Men's National Team, Video Scout
- 2000-2011 Irish Junior and Professional Men's and Woman's teams


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Market Update
Welcome to KOVER Realty's Winter market update for Portland Oregon.
As I look at the real estate market currently, I have to pause and take into consideration everything around us in Portland. What jumps out at me, in all of my time working as a Realtor in the Portland metro area, never before have I seen this few houses for sale. December 2020 saw a meager 0.8 months and January 2021 shows 1.0 months supply of SFR houses for sale. Yikes! The result of this low supply is over a 10% increase in prices year over year in many neighborhoods.
My guidance for the remainder of the season for buyers is to be quick with offers as solid houses in the right neighborhoods will not last long. Sellers continue to be in a strong position but still need to price their houses competitively. With the historically low number of houses and condos for sale in Portland and the uncertain economy, I am still viewing the market as neutral.
KOVER Realty is following social distancing guidelines and face mask requirements during open houses and showings. To view a detailed weekly market report from my preferred title & escrow partner, click below.
Thinking about buying or selling property in Portland or the surrounding area? I am here to help, call or text: 503.891.4725.
Thank you,


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It has been a long time since CL has released her last album, but the wait is finally coming to an end because 2NE1's legendary idol, CL, announced on Instagram saying,
"My fans! It was frustrating to wait, wasn;t it! I want to come to you with music and performances rather than words, so I'm dashing foward with my eyes set on the goal! I'm almost there! I miss you all so much, and thank you always!"
Are you all excited about this announcement, and CL's comeback soon?!


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Covid Support: Sharing Our Expertise
An impromptu connection from from CEO to another has driven a connection between our manufacturing and medical communities for which Plasman is proud to dedicate its resources and expertise to help fight the Covid pandemic.
Plasman President and CEO, Dave Wiskel explains, "In short, our company would really like to help where we can – this can be through contacts, tooling, supply chain, procurement etc. I also need to be fully transparent – we are in a "no revenue" position as all of our customers are down around the world. Hence, we are focused completely on coming out of this a sound company ready to get their workforce back and running. But we can offer a lot of horsepower to help you wherever we can."
Plasman is supporting local health care industries and hospitals with our Supply Chain expertise and connections to help with their procurement goal of onemillion N95 one-size fits all masks and respirators. MRH interests have now expanded to surgical masks, gowns, and other items of critical need.
At the very beginnings of the COVID outbreak, we supported our Chinese suppliers and this past week Hopkins Manufacturing and Windsor Tooling donated over 1,500 masks to our supplier partners. The same suppliers are now donating nearly 3,500 masks in return to support local Plasman area hospitals.
Wiskel noted that he personally feels an obligation to step up during this unprecedented time, "As our CEO, I feel that in a time like this we need to all help out where we can. The entire Plasman team wants to help!"


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David Costa
"SPD spells excellence, dependability and commitment! I would absolutely recommend, they are the only contractor our company would go with to build a McDonald's ( for the past outstanding 14 remodels). The follow up communication to ensure all work elements are on track and the commitment to doing excellent work was the best part of working with Stansell. The quality of work is outstanding! If there is an issue, they fix it correctly."
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"Spd does everything well. They are timely with their projects, they are detailed and provide constant communication with the client. The field staff is always worried about keeping the customers happy and being able to be served. They are creative when it comes to the challenges of keeping the restaurant open and work extremely well..."
HMCC of Florida
Chris Cohen
"This is now my 7th new build/remodel with Stansell properties over the last 10 years. They have figured out away to become a guest obsessed company, that by the way does a great job with construction. The way they stand behind their work, and help you long after the project is finished is unparalleled.
Every member of the team from the Stege family, Jim, Shawn, Alan, it's the same response. What can we do for the customer. I can't say enough about the Stansell company. I have to also include Mr. Randy. This professional has built two of our Huey Magoo's restaurants, and they both were finished in less than 70 days. From the minute that schedule is posted on the window onsite, to the last walk through, Randy is on top of it like it's his own. I can't thank this man enough for a consistent job well done, and we are forever grateful.
We value our partnership with Stansell and look forward to many more projects in the future."
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SPD Becomes Certified, Woman-Owned General Contractor
Stansell Properties & Development (SPD) has received the National Women's Business Enterprise (WBE) Certification, making the company one of the only certified, woman-owned general contractors in Florida. WBENC is the largest certifier of women-owned businesses in the United States, advocating for millions of woman-owned businesses nationwide. The company was purchased by Angelica Stege in July […]
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Javi Illas Testimonial
At Stansell, we have done countless projects across Florida and the Southeast United States, but it is always great to do projects in our backyard. The Illas Family has used Stansell Properties & Development for numerous projects at their Tampa Bay Area McDonald's restaurants. Javi and his father have had SPD involved in everything from […]
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Brenda Symons Testimonial
At Stansell Properties & Development (SPD), we aim to create strong and long-lasting relationships with our clients and customers. We always say that we are a customer service company that is great at construction, and our organization works hard to live up to those standards every day. Brenda Symons is a McDonald's Owner/Operator in the […]
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CHICAGO (Nov. 9, 2016) – Following a lengthy and contentious campaign season, the American public has elected Donald Trump as president of the United States. It remains to be seen whether President-elect Trump will preside over significant tax reform, but according to the following summary developed by Crowe Horwath LLP, there are several things to consider across the spectrums of corporate, individual, international, and estate and gift taxation. Crowe is one of the largest public accounting, consulting and technology firms in the U.S.
"As expected, tax policy was a hot button issue on the campaign trail and, conveniently, this election year coincides with the 30th anniversary of the Tax Reform Act, which was the last time sweeping changes were made," said Howard Wagner, Crowe National Tax Services managing director. "With the election of Donald Trump, we'll likely see a push around unraveling the tax code, including significant rate reductions for corporations and individuals, as well as radically changing the current international tax system."
Below are key aspects of President-elect Trump's proposed tax policy and how they will affect your bottom line if Congress should approve them.
Corporate Tax
Individual Tax
International Tax
Estate and Gift Tax
For more information please visit www.crowehorwath.com/lp/2016-presidential-election-tax-policy-resource-center.
About Crowe Horwath LLP Crowe Horwath LLP (www.crowehorwath.com) is one of the largest public accounting, consulting, and technology firms in the United States. Crowe uses its deep industry expertise to provide audit services to public and private entities while also helping clients reach their goals with tax, advisory, risk and performance services. Crowe is recognized by many organizations as one of the country's best places to work. Crowe serves clients worldwide as an independent member of Crowe Horwath International, one of the largest global accounting networks in the world. The network consists of more than 200 independent accounting and advisory services firms in more than 130 countries around the world.
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I've wanted to visit Tapasya for a long time, since I heard it did Indian food with a fine dining twist but if I'm honest, its out of town location meant we just never got around to it. Now that I've visited I'm absolutely sure it's worth the journey.
We booked ahead for a Friday night and got dolled up for date night, but when we arrived the dress code was more casual than we had expected. Luckily we didn't feel at all out of place, as there was a nice mix of friends out for a casual supper and couples canoodling in corners, in fact it was refreshing that it didn't feel at all stuffy or pretentious.
We were warmly greeted at the door and immediately offered the new Indian Summers cocktail menu, which has every yummy gin cocktail you could imagine on it.
I ordered the Pinkster and the Carnivore ordered the Yorkshire gin cocktail, which sounded very manly indeed. We settled back into our plush leather chairs and watched the bartender at work swishing and whirling the cocktail shaker. Eventually our masterpieces were ready and they tasted as good as they looked. Is there anything more refreshing than gin on a summer's evening?
Whilst we slurped on our gin, the menu was explained to us, as we were here to try the seven course Indian Summers tasting menu. Our lovely waiter explained that the concept was created by their talented Head Chef who dreamed up the idea of capturing the essence of hazy summers in India, with spicy cuisine paired with cool gin cocktails to match each course.
Having never had gin with Indian food before we were intrigued and game to try something new. Promptly we were taken over to our table, walking through a stylish and contemporary space, with cool private dining areas for special celebrations.
We loved that, although the restaurant was not at all stuffy, there was an extremely high standard of presentation and service from the waiters, which wouldn't be out of place in a smart London brasserie. The menu we were given was fairly meaty and fishy, so I had asked ahead of time for a vegetarian alternative and was told it would be no problem at all.
We were pleased when the first course arrived quickly and our tummies rumbled in anticipation. With seven courses ahead of us we knew we would have to pace ourselves and luckily the amuse bouche was the perfect little morsel to whet our appetite. With flaky pastry, a spiced chickpea filling and crunchy pomegranate seeds on top, the panui purri had us ready for more.
The next dish came with a choice of wine or fresh cherry gin, so we split the difference and had one each but when the cocktail arrived we were fighting over it. Before fisty cuffs could break out we were presented with a Spinach, cashewnut and cottage cheese patty, with a fresh yoghurt and a sweet onion chutney.
This was one of my favourite dishes of the meal as the flavours were so delicately matched, spicy, salty, sweet and the textures complemented each other so well. At this point we knew we were in for a real treat and couldn't believe we still had several courses left to go.
We had a chat with our waiter in between courses as we'd heard on the grapevine that Tapasya was opening a new restaurant and we wanted the low down. It turns out that it is going to be in the very trendy and upcoming Fruit Market area right in the centre of Hull. I did a silent cheer thinking that there would be no more excuses to not visit, not that it would put me off now I'd tasted the food.
Next up our menu choices diverged and the Carnivore went down the seafood route with Roeless King scallops,which we were told had been made in a clay oven to release the flavours and sat on a creamy red pepper marinade and topped with a slightly tart apple saffron sauce.
My option was spiced onion bhajis on the same apple saffron sauce which gave it a lovely kick and lifted the dish to a different level. We both did that thing were you mmm and ahhh and nod your head vigorously to each other whilst you're busily chowing down.
The gin pairing with this dish was a little scottish number with an apple wedge flavour which completed our dishes perfectly. I really liked the fact that the staff wait to see when you've finished your drink before bringing the next course out. It gave us lots of time to chat, relax and not feel rushed through the meal.
Until this point the portions had been fairly delicate and we were ticking along quite nicely but, as our waiter approached with the next course, I felt the familiar sense of eyes being bigger than belly.
We were surprised, delighted and a little alarmed when the next course was a full curry with rice and naan bread. Feeling full but not wanting to miss out on the delicious food in front of us, we got our second wind and got stuck in.
With our sides positively heaving, we left most of the naan bread and rice but devoured the curries. The Carnivore said the lamb was some of the most tender he'd had in a long, long time and loved that it came with extra sauce depending on personal taste.
*this is a collaborative post but all views are honest and my own


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Brunhilda and Borris Bearsaltandpepper, but you may call us Brunhilda and Borris Bearsaltandpepper, coming to you from Up North once again.
I told ma that you were probably getting really tired of our escapades by now, I said maybe we shouldn't post any more of our tails. (I did that on purpose, do you GET it???)
But Ma said she was having fun getting her picture taken and that if you, the bloggy fans of Miss Keetha, don't LIKE the posts, you don't have to LOOK at them - - - no one is twisting your foreleg.
I really shouldn't take that she-bear out in public, should I?
So - - - with Brunhilda's insistance, here we are again starring in "Bears About Town," and I hope Miss Keetha has a FEW bloggy fans left by the time she gets back to Indiana on Sunday, though what she will find to blog about from that flatland I don't know.
Today ma and I want to show you what we've been doing in Hayward. Doesn't it just have the cutest little mainstreet EVER???
Ma says it's just like a little Gatlinburg Up North.
I reminded her that she's never even BEEN to Gatlinburg, so how would she know???
She said she'd HEARD people talking about it, and besides, she didn't need to go to H_ _ _ to know it was HOT, and she didn't need to go to Gatlinburg to know what it was like.
Oh dear - - - she's getting totally unbearable, isn't she?
The first thing we noticed in Hayward was this bucket of doggie water. What WE wanted to know was, "Where's the BEAR water?"
Oh, and if you think we're the ONLY bears ever to roam the streets of Hayward, then you'd be SADLY mistaken. Some of our furry brothers routinely dine out of the finest trash cans in town.
Brunhilda, never one to be deterred, tried to drink out of this bucket. I had to hold her tightly by the hindlegs so she wouldn't do a nose dive into that thing and drown - - - remember, she can't swim a lick.
We took a little paddle with Squiggy Squirrell. Fortunately, remembering what happened to ma and our little boat on Gull Lake, we never left the shelf, and even at that Miss Diane had to give us a steadying hand.
Squiggy mentioned something about taking us for a REAL ride down the Namekagon. Hildy was ALL for that idea - - - she's a very slow learner - - - but I put my big paw down and said "NO."
Later we actually SAW the Namekagon and I was glad we weren't trusting our lives to Squiggy and a little birch bark canoe in THAT river.
We spent lots of time "fine dining." (Miss Keetha likes her food, don't'cha know!?)
We could bearly read the menu - - - never went to school, don't'cha know!
Seems like Miss Keetha, being a school teacher and all, would TAKE us to school so we could learn something!
I went down into the "Man Cave" with Fisherhubby. Wanted to get a new cap, but they didn't have one my size.
We met Freddy Frog in "Pottery at Best," which is the shop where Miss Rosie works. We had a hoppin' good time with Freddy, don't'cha know. (Don't'cha know is a little something we've added to our vocabulary while we've been Up North.)
Miss Keetha says she has a fun story to tell you later about "Pottery at Best" - - - so be lookin' for it!
Rocky Ricocco Rooster was standing guard outside the FORMER Hayward Library turned specialty shop. He was way above us and hardly even noticed we were there.
I told Hildy it was really a GOOD thing he didn't notice us as we might just look like tasty morsels to him, and besides we'd be at the bottom of the pecking order!
This is Milt the Hayward Muskie - - - he is QUINTESSENTIAL Hayward, it being the Muskie Capitol of the World and all.
We weren't worried about Milt trying to eat us - - - we wouldn't even be a snack for him, he gulps people down whole.
We aren't quite sure why there is a Moose gracing the Hayward sidewalk since "moosi" (That's for YOU Cass) don't live in this section of the northwoods, but we climbed up in his lap for a photo op anyway.
By this time we were all hot and bearly able to go another step so - - -
We stopped in at West's Dairy for a bowl of chocolate peanut butter ice cream.
As usual, ma stuck her nose in it.
Well folks, that's about it for our town ventures. We're planning two more posts and then we'll be going into early hibernation and turning this blog back over to Miss Keetha.
(First posted at The Eclectic Company on July 22, 2009)


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FUSION Disc Golf "Throw Thursdays"
On Thursdays 11 and 18 from 7:00 PM to 8:45 PM we will be meeting at Brewer Park for a night of Disc Golf.
No need to have prior experience to have fun together. We will have plenty of discs for everyone to have a couple of their own to use.
Bottles of water, cans of pop and prepackaged snacks will be available after the golf.
Plan on meeting at the north parking lot for a night of fun with your friends and leaders at Fusion.
FUSION Night at "the Pit"
Sunday, June 14 -7:30 – 9:00 PM -Join us for a night of outdoor fun at "The Pit".
Dress to get wet! We will have some outdoor activities- –"Squirt Gun Battle and water balloon launching competition", a camp fire, food, games, and a time to reconnect after this long break from seeing each other. We will also have time to celebrate with the recent graduates and have a prayer time with them.
We will keep a safe distance from each other and provide food and snacks that are completely safe.
Hope you can join us! [If the weather is bad we will be forced to cancel]
– This is for the past year's Fusion Group. New Freshmen will be welcomed at a later date!


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Welcome to NTC online
NTC Online is an exciting new initiative, designed for persons who have an interest in learning more about the Bible, theology, church history, or ministry, but do not have the time, nor the need, to pursue a degree-level qualification*.
Delivered by our own NTC Faculty, past and present, NTC online provides an opportunity for learning wherever you are. We have two video-based courses that will inspire, challenge and deepen your faith and understanding. *These are not credit-bearing courses for degree level study.
Cost: £50 per course or £80 for both courses
There are two video-based courses currently available, Church History or Reading the Bible, see below for more details and enjoy learning with NTC online.
If you already know which course you wish to join, you can register here.


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What to Bring to Your Child's Appointment
Not sure what to bring to your child's appointment? The following checklists will help you plan accordingly.
For your child's first clinic appointment, you will need to bring the following:
- Copies of any applicable X-rays, lab reports, and medical summaries
- Results of your child's most recent diagnostic tests
- If your child has had surgery or other treatment, a treatment summary will be needed
For each of your child's clinic appointments, you will need to bring the following:
- Referring physician's name, address, and phone number
- Pharmacy information for the pharmacy where you would like prescriptions filled
- Patient identification card (only if your child has been seen before at UNC)
- Insurance card and any other related forms required by your insurance company
- List of allergies
- Any medications the child is taking


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We need to confirm your email address. To complete the subscription process,
please click the link in the email we just sent you.
Every major US weapon system and its associated equipment make the trek to Eglin to undergo environmental testing at the lab. The F-35 is the latest to be frozen, baked, deluged, snowed, blown, fogged, and humidified.
Various images of F-35A Lightning II.
F-35B Lightning II photo collection.
Various photos of F-35C Lightning II aircraft.
The thirty-sixth NATO deployment to secure air space over the Baltic States began on 1 September 2014 when four F-16 Fighting Falcon fighters of the Portuguese Air Force, or Força Aérea Portuguesa, landed at Šiauliai. The F-16s came from Esquadra 201 Falcoes (Falcons) and Esquadra 301 Jaguares, (Jaguars) at Monte Real AB in Portugal. The deployment ended in January 2015.
The previous F-35 Flight Test Update concluded with F-35A test aircraft AF-3 completing 500 flight hours on 18 March 2013, making AF-3 the second mission systems test Lightning II to reach this milestone. This fourteenth installment in the series of F-35 flight testing reviews presents a large variety of additional milestones for the F-35 test fleet from a monthly flight record for the F-35 CATBird in March to the completion of the initial carrier trials for the F-35C in November.
Joe Bill Dryden was a graduate of the US Air Force Academy, Class of '62. After retiring from the Air Force, Joe Bill became an experimental test pilot for General Dynamics. His experience with the F-16 began when he was selected to represent Tactical Air Command as one of the original members of the YF-16/YF-17 Lightweight Fighter Joint Test Team. He subsequently flew and helped develop various combinations of F-16 airframe, engine, wing, flight control system, and avionics. Joe Bill died on 24 May 1993 when his F-16 crashed in North Central Texas during a company acceptance flight.
The F-35 drag chute system consists of a removable, or missionized pod. While Norway will likely operate with the pod installed full-time, other countries have the option of installing the pod as needed. The system is being designed much as a wing pylon so that the pod can be installed and removed with minimal time and effort.
Collection of photos of F-16s with unique paint schemes.
Interest in designs for vertical takeoff and landing, or VTOL, fighter aircraft began in the 1960s at the height of the Cold War when NATO bases were seen as vulnerable to preemptive attacks. Such aircraft, secured in hardened shelters, could still take off and land from bases with damaged runways.
© 2023 Lockheed Martin Aeronautics Company. All Rights Reserved.


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Too much can happen in a single year, let alone a decade, in our current world. Remember the fact that WhatsApp, Instagram, and Snapchat did not exist before 2009. But what happens after that? What would we expect from the next ten years?
Many of the characteristics of today's social media environment – from concerns about openness to AI's growing position – show how social media will continue to change between now and 2028, and what that means for brands and upcoming startups. Social networking has been the web's secret, interwoven fabric for many years, linking individuals, brands, and organizations. That isn't going to improve on its own. With the rise of the Internet of Things, social media is likely to become the starting point – a personalized hive mind – for linking items, documents, and transactions, as well as individuals.
Take, for example, WeChat. China has already embraced the future, and the West will soon follow suit. E-commerce, smartphone, and social media have blurred the boundaries between online and offline retailing, resulting in a large convergence. As a result, social media has become a forum for everything from brand building and customer engagement to supply chain operations, not just online growth.
With the emergence of 'buy now' features in social content, social and retail are already merging. The brand operation will expand in size and become more profoundly rooted in new forms of social spaces in the future, such as a shoppable 3D environment where all social media users will hang out. Brands that want to remain competitive must-see social media as an important part of their overall strategy, not just marketing and communications. If you don't interrupt yourself, you'll be disrupted. Agencies that are reluctant to invest in, innovate, and evolve their social capabilities will fall behind their clients.
Even so, We must also plan for social fragmentation, with varying levels of interaction among different social contacts. As the amount of content generated by friends, family, colleagues, the media, and brands reaches critical mass, this will become important.
As a flood of data fills our different devices and realities, marketers will find it increasingly difficult to break through the noise. But with that comes a plethora of possibilities. Bots powered by artificial intelligence will play a bigger role in the future, continuously learning about us to streamline our interactions with friends and brands.
The data that customers produce would be more valuable to brands as a result of AI-optimized experiences. Consumers, on the other hand, would have a greater understanding of this value exchange. By 2028, people will have established their willingness and ability to monetize their data and power by selling, exchanging, and transferring the personal information they share with brands and social media.
Data will become more politicized, and stricter control (whether enforced by government or industry) will help to minimize the number of data controversies like Cambridge Analytica, though it is impossible to fully eradicate them. Scoundrels will still find a way to get away with it.
The silver lining is that lawfully obtained data will give advertisers and their agencies a much richer image, allowing for more precise paid social targeting, a more personalized product experience, and fascinating opportunities for content creators to tell stories tailored to individual interests.
Of course, this is just a sliver of what the future of social media means for the marketing industry. Above all, we must note that data and AI will ultimately dictate our view of the world through social media – and that, despite all the shiny toys, we must regard customers as people, not just numbers on a computer.
Nummero will keep the brand up to date with current trends and keep you informed about future developments and trends in Social Media. Digital Marketing is critical for startups to generate sales. It is critical to creating brand recognition through social media if you want to succeed in today's competitive world.


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A sturdy 2-vehicle garage with a carport up front, it can be used to provide shelter for up to 4 vehicles. The combination of sufficient indoor and outdoor space allows to use it for multiple purposes during summer and winter. It can be a workshop with still having room for 2 daily drivers up front. Or it can store your classic used for sunday drives while having your daily driver under a canopy. Having room for up to 4 vehicles at a time gives you the freedom to use this space a s you wish.
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The foundation options for this garage can range froma simple level base pf paving stones to concrete foundations. Our construction specialists are more than happy to help you out with laying a proper foundation for your garage – ask us for a quote!


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If you follow me on Instagram, you've probably noticed that I share a day of healthy toddler meals and snacks every once in a while. They're usually a hit with my community, so today I'm rounding them all up for 19 days of meal inspiration!
A Few Notes Before We Get to the Healthy Toddler Meals
- I show you these so you can see what I offered my kids in a somewhat typical day, but know that they often eat more or less than what you see here. This amount is just what's photographed, so please keep that in mind.
- If there are days when your child seems like a bottomless pit- it's okay! They're growing so their appetite will change and fluctuate. Some days they need a lot more calories than others. Try to roll with it!
- I try to make healthy eating fast and EASY, so you'll rarely see meals here that are very complex or time consuming. But still, there are nights when even these meals are too much– nights when my 4 year old eats popcorn for dinner– and that's fine. The world won't end!
- Use these posts as inspiration, and don't feel bad if you're not serving the type of meals you want to all of the time. Not serving perfect meals each day makes you normal! You're still doing a great job.
Day 1: Brought To You by the Letter 'M'
Has your little one tried cottage cheese? What do they think of it? My three year old LOVES cottage cheese, and I love it as a protein-packed food for him!
BREAKFAST: 2% cottage cheese with leftover sautéed diced cinnamon apples.
AM SNACK: A banana
LUNCH: Cashew butter and 1 tsp of jam on Dave's Killer Bread White Bread Done Right, with cantaloupe, carrot and cucumber stars.
PM SNACK: Triscuits and Monterey Jack cheese (cut with an M cookie cutter since that was the letter of the week at school).
DINNER: Super Healthy Kids butternut squash Alfredo with whole wheat pasta and broccoli, one slice deli ham, and roasted Brussels.
Full disclosure- Teddy ate none of this dinner. He ate a piece of bread and drank some milk. Emilia (14 months) loved it all though!
Day 2: Kid Friendly Meals & Bars
Bummer- we loved these Matt n Mikes bars but they don't make them anymore! Try Dino Bars instead!
BREAKFAST: 7 grain waffle topped with almond butter, with blueberries and milk on side.
AM SNACK: Clementines
LUNCH: Hummus on wheat bread, with carrots, cucumber, strawberries.
DINNER: Kid Friendly Meals spaghetti squash chicken lasagna and apple slices, plus milk.
Notes: I try my best to serve both kids the same meals to make my life easier. These pictures are of Teddy's plates, and he's almost 4 yrs old. If your child is younger, you'll need a few modifications (slice strawberries, slice cucumbers into strips, cook carrots til soft, and peel & thinly slice the apple.)
Day 3: Simple Mills For The Win!
Simple Mills is one of my favs because they make my toddler's dream AND mine come true in one meal.Their dream: carbs allllllllllll day.
My dream: a nutritious, well-balanced diet with a mix of carbs, protein, and fat.
Simple Mills has a full range of grain-free products that will convince your toddler that they're just eating carby deliciousness, BUT they're actually getting a wholesome blend of nuts and seeds which adds a whole lot more nutrition! I actually became a Simple Mills parter because I love them so much and tell you about them all the time anyway!
BREAKFAST: Waffle strips, a smoothie (milk, frozen cherries, frozen banana), and my 5-ingredient no-bake nut butter bars.
AM SNACK: Orange on the go.
LUNCH: Roasted turkey breast and cheddar on whole wheat brea, with raspberries and broccoli.
PM SNACK: Simple Mills Fine Ground Sea Salt Almond Flour crackers + raisins.
DINNER: Simple Mills Pizza Dough with tomato sauce and mozzarella, frozen peas.
Day 4: Apple Pie, Chocolate Muffins, and a Mountain of Cheese
Reminder: The amount I show is just an example. Totally okay if your little one eats less or more than this! I serve milk with breakfast and just water the rest of the day, sometimes milk again with dinner.
BREAKFAST: Microwaved apple slices with cinnamon, with plain whole milk yogurt on the side for dipping. I tell my kids these are "apple pie" apples!
AM SNACK: RW Garcia Snacks sweet potato crackers. (I was taking a picture of these and Emilia dumped out the box and ate them off the floor. #reallife)
LUNCH: PB&J on Alpine Valley Bakery bread (I get it at Costco), with raspberries, and 1 chocolate butternut squash muffin from The Natural Nurturer.
PM SNACK: Spinach peach smoothie. (I didn't measure but I'm working on a smoothie Ebook coming for you guys!)
DINNER: Pieces of hamburger, steamed frozen broccoli, carrots, and cauliflower, roasted potato, and a "mountain" of shredded cheese (her request). And yes, she only ate the cheese.
Day 5: A Day in the Life
This is a pretty standard day of eats at our house!
BREAKFAST: Fage total 5% topped with some Safe and Fair birthday cake granola crumbs (sooo good!).
AM SNACK: Avocado.
LUNCH: Leftovers- rice, green beans, mini mozzarella balls, peaches, and grilled chicken with shredded carrots.
PM SNACK: Quaker Kids organic strawberry whole grain bar.
DINNER: Chicken nuggets, avocado (yes, again), cucumber, strawberries, and chopped, unsweetened dried mango.
Day 6: New Foods & Old Favorites
Is your little one far from eating meals like these? I'll be honest, my 4 year old is! But, I still serve him foods I know he's probably not going to try. Here's why:
If I don't serve it, he doesn't even get a chance to try it, let alone get more comfortable with it. I make it a rule to serve foods every day that I want him to eventually eat (even if that's realistically a few years down the road).
To balance that, I also always serve foods I know he does like. You'll have the most success if you always include a liked food at a meal.
The plates pictured are my 21 month old daughter's, but for my hesitant 4 year old, he just gets a bite size portion of a new food on his plate. (Like green beans- not technically "new" since he's seen it a billion times, but he usually says, "I don't like that!" when he sees one.)
BREAKFAST: Leftover pancakes made with Hodgson Mill mix, topped with almond butter; side of plain whole milk yogurt, and canned pears packed in 100% juice. (My kids had to be with a sitter on this day, so I packed this the night before.)
AM SNACK: A banana
LUNCH: Leftovers – Rice, sautéed green beans, and chicken with shredded carrots, with halved mini mozzarella balls, and a nectarine.
PM SNACK: Bitsy's Brain Food smart crackers while out.
DINNER: Chicken nuggets, avocado, cucumber, strawberries, diced dried mango.
What my son actually ate: pancakes and milk at breakfast, banana + milk for snack, rice and nectarine at lunch, crackers for snack, and everything for dinner (3 chicken nuggets, plus about a serving of each of the others).
Just wanted to tell you what he actually ate since he usually skips about half the things I serve. And that's okay! We can only what control what we put on the plate, not what they actually put in their mouth.
Day 7: Healthy Day of Vegan Toddler Meals
I've gotten requests for a vegan day of eats, so here it is! Remember, this is just the amount I photographed, not what was eaten, so it's normal if your little one eats more or less than this!
Note: On a vegan diet, your child may need supplements. Nutrients that are harder to get include vitamin B12, iron, and calcium. Talk to an RD (like me!) if you need guidance with that.
BREAKFAST: Kashi 7-grain waffles (cut in circles by request), topped with earth balance buttery spread, chopped cashews (opt for nut butter for younger toddlers) and blueberries.
I offer milk at breakfast. A vegan alternative would be pea milk or soy milk.
AM SNACK: Banana muffin (sweetened only with fruit), from my No Sugar, Still Sweet Ebook.
LUNCH: Leftover spaghetti with earth balance and Manitoba Harvest hemp seeds, carrots roasted in olive oil and garlic powder, clementines, and Hippeas vegan white cheddar chickpea puffs.
PM SNACK: Raisins and Barbara's Bakery multigrain spoonfuls (eaten on the playground).
DINNER: Black beans, corn, canned tomato, and enchilada sauce mixed together with triscuits and avocado. (My son only ate the crackers and avocado, plus milk).
BEDTIME SNACK: Not pictured but my youngest has been staying up late (she never adjusted from daylight savings) so I've been offering a pre-bed snack of yogurt or peanut butter on a banana.
Day 8: The Rice is Right
What stands out to you about this day of eats?? If you look at this and immediately think, "my little one eats WAY more" or you think, "mine eats way less!!" — know that both can be very normal.
BREAKFAST: Banana muffin from No Sugar Still Sweet, topped with peanut butter and berries, and served with whole milk.
AM SNACK: Half tortilla with avocado.
LUNCH: Hummus sandwich, cucumber, and more berries.
PM SNACK: Chopped dates and Muenster cheese cut with little star shaped cutters.
DINNER: Avocado, mango, Right Rice, and sautéed green beans.
My son ate one bite of rice and one bite of avocado at dinner and decided he was done. Very normal for their appetite to be low at dinner time and be fine until morning! They often front-load their calories earlier in the day.
Day 9: Another Day of Vegan Toddler Meals
Drinks only include water and I typically serve milk with breakfast and/or dinner. Stick with soy or pea milk for non-dairy options.
BREAKFAST: Quick oatmeal on the stove top (can cook it in water or milk of choice); topped with sliced banana and finely chopped candied pecans.
AM SNACK: Dino Bars.
LUNCH: Chopped mixed nuts (this was for my 4 year old; you'll want smaller pieces of nuts for a 1-2 year old); Made Good chocolate chip granola minis, orange, bell peppers. This was a "throw the only foods I can find into a container" kind of day!
PM SNACK: No added sugar banana muffin from No Sugar, Still Sweet.
DINNER: Spaghetti with tomato sauce, olive oil, and hemp seeds. Sautéed frozen mixed veggies, sautéed mushrooms.
My son didn't want any of this dinner. He ate a banana and milk. I offered the banana because none of these foods are safe/accepted foods for him.
Day 10: Standard Day of Eats
BREAKFAST: 2 scrambled eggs in butter, sautéed shredded potatoes (Simply Potatoes brand), and avocado.
AM SNACK: Whole milk organic yogurt blended with frozen berries and vanilla.
LUNCH: Canned green beans with olive oil, Eat Banza rice, shredded cheddar, raspberries.
PM SNACK: Zucchini Oatmeal Raisin Cookies.
DINNER: Crockpot chicken stew over orzo with oranges. (4 year old had oranges and bread, he refused everything else.)
Day 11: Burgers… ish?
Does your little one like burgers? My kids are not big fans, so they just choose what they like from the burger ingredients.
BREAKFAST: Eggs and potatoes (we buy the refrigerated Simply Potatoes brand and cook in some butter), plus raisins and milk.
AM SNACK: New Dino Bars!
LUNCH: Whole milk plain yogurt with a drizzle of honey for my son, (no honey for my daughter- she prefers it plain), unsweetened applesauce, RW Garcia Snacks crackers, and cucumber.
PM SNACK: Bananas.
DINNER: We had burgers with avocado, but my kids are not into burgers so they had their rolls with just avocado, carrots, some cashew pieces (to get some protein), pineapple, and a cup of milk.
Full disclosure- Teddy ate none of this dinner. He ate a piece of bread and drank some milk. Emilia (14 months) loved it all though!
Day 12: Keepin' It Simple
This was a quarantine day of eats for us– and while we're at home so much, I'm feeling like my kitchen is a disaster zone. So even though we're home more, I'm making simple meals and snacks so that I don't have to spend my whole day cooking and cleaning.
BREAKFAST: French toast (whole wheat bread dipped in a milk/egg/cinnamon mixture) with apples, maple syrup to dip, and a cup of milk.
AM SNACK: Raisins and Hippeas puffs.
LUNCH: Canned salmon salad (I mix 1 can salmon with about 2-3 tbsp mayo and a tsp Dijon mustard), with whole grain crackers.
PM SNACK: Sliced carrots and ranch.
DINNER: Crockpot short ribs, mashed potatoes, spinach leaves (we had salad), plus bread, and milk.
I served the bread because I knew there was a low chance of my kids eating anything else that I had made for dinner!
Day 13: No Sugar Added
Here is an easy day of toddler meals with NO added sugar, and can easily be made dairy-free by subbing dairy-free milk.
BREAKFAST: Oatmeal made with whole milk and diced banana, topped with @manitobamilling ground flax and coconut butter.
AM SNACK: Smoothie with whole milk, lots of frozen blueberries, frozen cauliflower rice, one date, and a spoonful of cashew butter.
LUNCH: Baked sweet potato chips, lightly steamed carrots, and sardines mixed with a little mustard and mayo. (I guess it's weird, but we all love sardines!)
PM SNACK: Whole grain crackers with avocado flowers (used little cookie cutters).
DINNER: Frozen brown rice heated with canned black beans, with a spoonful of mild salsa stirred in. Cucumber sticks and freeze-dried raspberries on the side.
Day 14: No Sugar Added Day 2
Quick check in: I do my best to get healthy, balanced meals on the table, but I'm also a real human. It doesn't happen all the time.
BREAKFAST: Scrambled egg, buttered sourdough, and a pear.
AM SNACK: Kiwis.
LUNCH: Pretzel sticks, avocado, clementine, and prunes (for my 4 year old– the 1 year old and I ate dinner leftovers).
PM SNACK: Bebe and Bear no sugar added oatmeal banana muffins.
DINNER: "Nachos" with shredded cheese, black beans, corn, blueberries, sweet potato, and mild salsa served on our @ezpzfun mat.
Day 15: No Sugar Added Day 3
BREAKFAST: Organic plain whole milk yogurt with a tsp ground flax, and apple slices for dipping (shred apples for young toddlers/babies).
AM SNACK: Mini Larabar
LUNCH: Mashed avocado with hemp seeds on a wheat roll, and reheated leftover roasted sweet potatoes.
PM SNACK: No added sugar banana muffin (from my Ebook!).
DINNER: Baked "chicken nuggets" (chicken tenders cut into pieces, dipped in butter and bread crumbs and baked), steamed cauliflower and green beans, shredded carrots (and some chopped pieces you see here for my 4 year old), plus oranges. Oh, and I served a cup of whole milk with dinner!
Day 16: 5 Minutes or Less
Who else is in the "if it takes more than 5 mins I'm not doing it" club of food preparing these days?? With the exception of already having rice pre-cooked made, everything here really only took like 5 minutes to do, and that's how I like it!
BREAKFAST: Original Cheerios and whole milk.
AM SNACK: Frozen banana and mango "ice cream" whipped up in the food processor with a splash of canned coconut milk.
LUNCH: Ak-mak crackers, canned salmon mixed with mayo and mustard, hummus, cucumbers, and raspberries.
PM SNACK: Rice cake with almond butter.
DINNER: Cheddar cheese, peas, and leftover white rice.
I served the bread because I knew there was a low chance of my kids eating anything else that I had made for dinner!
Day 17: Freezer Friendly
Do you take advantage of your freezer? I do! This day of eats may look time consuming, but a lot of it came from my freezer.
BREAKFAST: Whole wheat sourdough biscuit from the freezer that I made a week or two ago, canned pumpkin mixed with coconut cream (the solid part from the can of coconut milk), pears, and cashews (omitted these for 1 year old).
AM SNACK: Raisins.
LUNCH: Modern Table Meals pasta mixed with canned pumpkin, diced sautéed onion, carrot, and celery from the freezer, pre-chopped, butter and dried sage, with SeaSnax and strawberries
PM SNACK: Hard Boiled Eggs.
DINNER: Iowa Girl Eats cheddar meatloaf (from the freezer, made a few weeks ago), baked potato, and sautéed artichokes (from the freezer).
Day 18: Meal Prepped & Ready
So, this day was kind of like a "best case scenario" for us. I actually had time and energy to make everything, plus I served some stuff I had pre-made earlier in the week. A lot of days our food is much less glamorous!!
Just letting you know I can't pull this off every day, but I wanted to share since this is what I aim for. But most days have more convenience foods thrown in there!
BREAKFAST: Baked frittata with shredded zucchini and Parmesan (made earlier in the week) & leftover roasted butternut squash.
AM SNACK: Energy bites I made, that were similar to a Larabar. You can find a few of my favorite energy bite recipes here.
LUNCH: Pancakes made with leftover mashed sweet potatoes and an egg whisked together, with blueberries on the side.
PM SNACK: Pineapple, cara cara orange, and blueberries mixed in a bowl with organic plain whole milk yogurt (not pictured).
DINNER: Turkey meatball, a roll, a slice of provolone cheese, and roasted cauliflower. (Both my kids just ate the roll and drank about a half cup of milk.)
I served the bread because I knew there was a low chance of my kids eating anything else that I had made for dinner!
Day 19: FAST Prep Meal Ideas
BREAKFAST: Kashi 7-grain waffle (with Kerry Gold USA butter for my 17 mo old, plain for the 4 year old), avocado chunks, and whole milk.
AM SNACK: Plum Organics carrot, bean, spinach and tomato pouch for my 17 mo old while at Target, plus unwashed blueberries straight from the carton. (What are you gonna do?)
LUNCH: More blueberries (washed this time), and Alpine Valley Bakery honey sprout bread toasted with melted mozzarella and rotisserie chicken.
PM SNACK: Half of a PB sandwich on the same bread, with @crazyrichardspb peanut butter.
DINNER: Rotisserie chicken again, Eat Banza rice with olive oil, steamed snap peas and potatoes.
Need even more mealtime inspiration?
Grab a copy of my healthy packed lunch guide. It's full of ideas for at home or on the go. I think you'll love it!


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'Feathered Wing of Leaves' Gold Diamond Ring Size 6 Ready to Ship
Our nature-inspired 'Feathered Wing of Leaves' is studded with diamond accents and an emerald cut in eight delicate prongs from the beaded details. Hand-carved organic vines are intertwined around the band.
About this ring:
- Made in solid 14k yellow gold, available in other precious metals
- Center gem: 8x6 Emerald cut ForeverOne Charles & Colvard Moissanite, color DEF
- Side gems: ~0.18ct diamonds
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- Clarity SI
- Measurements: Top 10mm, Band Width Bottom: 3.5mm
- Finger size 6, Sizable 4 to 7
This piece is in stock and will take 2-3 days to ship.
(Resizing may take extra 2-3days.) Thinking of using a different stone? We can customize this piece! Contact us for additional information.
Whether you are inquiring about custom design or just saying hello, I'd be happy to talk to you!
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Text or Phone: (469) 207-1750
Email: firstname.lastname@example.com


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Review – HP Scanjet Pro 2500
The 2500 is relatively portable for a flatbed scanner, gauging 4.8 by 7.8 by 13.8 inches (HWD) and also considering 9.5 extra pounds, so you might be able to fit it on one side of your desk. It has actually a recommended day-to-day obligation cycle of as much as 1,500 web pages, compared to a task cycle of up to 3,000 web pages for the HP ScanJet Pro 3500. The sheet-fed section of the scanner has an optimum optical resolution of 600 dots each inch (dpi), while you could check at up to 1,200 dpi with the flatbed.
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|Courtesy of www.VincentVanGogh.org
The area surrounding Auvers afforded Van Gogh plenty of scenery for inspiration, and during his last months the artist painted numerous scenes of wheat fields and wide-open, windy countryside. The sky here has on oppressive
weight, and seems to bear down on the vast expanse of land, while both the sky and the land have been painted with an undulating rhythm that suggests great movement. The picture has an uneasiness, which is compounded by
peculiar perspective.
The poppy flower is common to many Van Gogh's Vase with Red Poppies. The composition and use of color are highly reminiscent of those in The Poppy Field near Argenteuil by Monet. This painting is likely ingrained in the subconscious due to the popularity of the many Van Gogh poppy field paintings. Typically blooming in May and June, painting from what he saw in nature, Van Gogh poppies are were also late spring creations. Between the years 1886 and 1890, Vincent van Gogh completed seven different paintings featuring poppy flowers. Van Gogh did not have money to pay models, so still-life painting became more practical.
And now for what regards what I myself have been doing, I have lacked money for paying models else I had entirely given myself to figure painting. But I have made a series of color studies in painting, simply flowers, red poppies, blue cornflowers and myosotis, white and rose roses, yellow chrysanthemums-seeking oppositions of blue with orange, red and green, yellow and violet seeking les tons rompus et neutres to harmonize brutal extremes. Trying to render intense color and not a grey harmony. Now alter these gymnastics I lately did two heads which I dare say are better in light and color than those I did before.
The whole presents a turbulent image that is unsettling and unconvincing. The painting was done in the weeks prior to him taking his own life, and at a time when his world was falling in. He was extremely anxious about his brother Theo and his family, and had fallen out with Dr Gachet - he felt alone and ultimately unable to cope.


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How many gold medals are given out in the Olympics?
At least 388.
There are at least 388 gold medals that are up for grabs for the Summer and Winter Olympic Games combined. This represents at least one gold medal awarded for each of the 302 events in the Summer Olympics and 86 events in the Winter Olympics.


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ORLANDO, Fla. – A Proud Boys member who made his way inside the Senate chamber and took a selfie there during the U.S. Capitol riot earlier this year was arrested in Central Florida, according to federal authorities.
The U.S. Attorney's Office said in a news release that Arthur Jackman, 30, is in custody in Orlando. He was arrested Tuesday morning although it's unclear where the arrest took place.
[TRENDING: COVID after the vaccine | Bugsy, the French bulldog, stolen at gunpoint | SpaceX Starship explodes again]
An affidavit shows that Jackman is a member of the Proud Boys, "a pro-Western fraternal organization for men," and went to the Capitol with other members of the organization to show support for former President Donald Trump and to "stop the steal" of the election.
The FBI said Jackman was seen in news footage taking a selfie inside the Senate chamber and also texted a selfie to a childhood friend who messaged him to ask if he was involved in the riot. The accompanying text from Jackman read, "We stormed and took over," according to a screenshot in the report.
Jackman was also seen with Joseph Biggs, a Proud Boys organizer who was also taken into custody in Central Florida, records show.
Agents said they interviewed Jackman at his home on Jan. 19 and he admitted to being part of the rally but said he had "no comment" when asked whether he made it inside the Capitol. He said he and the other Proud Boys were not there to infiltrate the Capitol and it was not a sanctioned Proud Boys event.
According to the report, the Proud Boys members who attended went incognito instead of wearing their signature black and yellow polo shirts.
Jackman is facing charges of obstruction of an official proceeding, knowingly entering or remaining in any restricted building or grounds without lawful authority and engaging in disruptive and disorderly conduct.
He appeared in court Tuesday afternoon wearing a Proud Boys shirt with, "I am a Western chauvinist and I refuse to apologize for creating the modern world" written on the back.
Pictures taken as he was leaving court show that he turned his shirt inside out.
A judge set his bond at $25,000 and ordered that he surrender his passport and any weapons from the home. However, Jackman's spouse works as a deputy for the Orange County Sheriff's Office, so her service weapon can remain in the home as long as it's locked up.
"The FBI has told OCSO there is no evidence or indication that (Jackman's wife) had anything to do with the events at the Capitol on Jan. 6 or is a member of any extremist organization," the Orange County Sheriff's Office said.
On Jan. 6, a mob of Trump supporters pushed past police and entered the Capitol building as lawmakers were preparing to certify Joe Biden's presidential win. Five people died during the violence: Capitol Police Officer Brian D. Sicknick and four demonstrators.
At least 250 arrests have been made thus far, a number that includes several Floridians.
Among the most notable local suspects are a Sanford firefighter, a Proud Boys organizer and a Marion County man who was previously convicted of attempted murder.
Three others – Connie and Kelly Meggs and Kenneth Harrelson – are accused of plotting their actions ahead of Jan. 6 through phone calls and online conversations as members of the Oath Keepers.
Anyone with information about someone who was involved in the riot can find details on how to report them here.
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