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5 Steps to Follow before Asking for a Raise
Money can be tough to come by these days, especially with how the economy has fared for most of the world. Companies suffer tremendously based on the condition of the economy in their respective countries. This has seen companies planning to announce restructuring, a possible buyout or takeover from another company, or worse—filing for bankruptcy. Companies are also busy with their resource management, trying to make numbers rise with their sales and production teams. There are many factors involved that can affect how a company is making money.
Now despite all the possible issues at hand, you have decided it was about time you got a raise. You have decided to be straightforward about it and just outright ask the higher-ups yourself. Asking for money can be a very tough thing to do, and to do so takes guts—or just plain desperation. If you believe what you are getting is not enough, especially when your career goals and personal ambitions cannot be met with the current paycheck you receive each payday, then one must be prepared to take the plunge and do something as terrifying as asking your boss for more money.
You might think you are ready. Sadly, brave soul, you are not. Even if your bosses are nice and not as intimidating as other bosses, there will still be a feeling tugging at your nerves that makes you hesitant. There will always be hesitation involved, and you would do well to be hesitant.
You are risking a lot by asking for a raise. You could blow your opportunity away, an opportunity that costed you months of hard work. You will need to be mentally prepared, you need to be thorough, and you need to be able to properly convey to your boss your perceived value to the company. So here are 5 steps to take before asking for a raise.
1. Know Your Worth and Back It Up
Before you can go up to your boss and ask for some more money each pay cycle, you need to know how valuable you are to the company. You need to make sure that you are an asset that the company needs—or at least a potential asset, especially going forward. You need to be sure that you are doing something important for the company and that you have been doing it consistently and effectively. This is the time when you need to do some self-evaluation. You need to think deeply about all the work that you have done up to this point. You also need to reflect on whether you may have tripped along the way, and if you did, just how you managed to get back up.
Aside from making sure you are really worth the investment you might also need to research your current job's market value. You can ask your colleagues, friends, or even just search the Web for the information. You can keep up with the trends and developments in your field this way, and it will also allow you to check how much you may be worth to the company. This will strengthen your grounds when asking for that raise. So before you go knocking on your boss's door, make sure that you have the facts and figures straight so that you won't feel you are wasting each other's time.
2. Look for the Proper Timing
Timing is crucial in the world of business, and that applies to operations as well. You can't just go straight up to your boss and ask for the raise right away. You need to strike at the perfect moment, when your case is strong and set in concrete. Even if you have all the facts straightened out to give you the backup you need, there is still a chance that you would not get the raise that you were hoping for—and all because you asked too soon or too late.
When you ask for a raise it should never be at a bad time, like when the company has just suffered a huge blow financially or operationally, or even when your boss is just not in the mood due to reasons beyond work. It should always be at a time when everything is looking great, like when the company just scored a big exclusive deal, or the company has reached one of its goals, or when sales are flying higher than ever. In these circumstances, anyone would be feeling a little generous.
3. Assess for Financial Stability
It is important to assess if the company is currently financially stable or if it is still in a delicate state or a state of growth. If you were to ask right away, things would get awkward if you discover the company is in a dire state. There are also other factors involved, like if the business is in a sound state in economic terms or if the trend of your business has stop rising and at worse might even suffer from a major fall in the overall market.
These questions will all have a significant outcome. If you think about it, why would the company give you more money when they can't even make more money to begin with? Even if you were doing your best and hit crazy numbers with your performance, the company would be unable to compensate you properly if they can't find the means for it. So make sure that whenever you think it is about time for a pay increase, the company is in a good and stable condition.
4. Be Flexible
In the event that you have managed to engage your boss in a talk with regards to increasing your salary, you need to be prepared to negotiate. There is always a chance that things might not go in your favor, or that it will be in your favor but not as much as you would have hoped. This is the time where you need to show off your negotiating skills and maybe even earn a few points with the big man if you can manage to play your cards right.
There will be possibilities where your boss can only offer so much, and the reasons could be due to budget constraints, a work ethics issue, or that somebody even higher on the hierarchy might have placed a temporary freeze status on the salary. You must always be prepared for any situation that falls short of your expectations. It is important to find some sort of middle ground during the negotiation as well as at the worst possible outcome, say, the talk might fall through and not only will you be unable to get the raise but you also leave a sour taste in the boss's mouth. You need to learn to meet halfway if nothing else, so prove you can flex.
5. Plan B, C, D, Q...
Whenever you attempt to ask for a raise, be prepared for the possibility that your request will be turned down by your boss or someone who has more power than him. And if that happens, then there is no need for you to be discouraged by it. After all, you were simply asking if it was possible. Instead of being depressed about it, ask your boss what he thinks you should do in order for you to get that raise, what measures should be taken, which areas you might need to improve in, what key performance indicators or metrics do they deem most important and worthy of compensation. And if you see another chance and you feel that it is appropriate, try asking again.
You need to be ready; this will hit some people hard. It helps if you do visual training to be more mentally prepared should this scenario play out. If all else fails, then it might be time for you to consider exploring other opportunities elsewhere. A series of repeated disapprovals not only deals a blow to your self-esteem but also means that it is possible that the company doesn't necessarily see you as an asset. Your chances of moving up the corporate ladder in this particular company would be slim or abysmal at most. So it's best to cut your losses sooner rather than later.


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Prof. Dr. Abdel Wahab Ezzat honored the Faculty of Commerce team winning the competition of the "CFA Society" and qualified to represent Egypt in "Ireland". The Egyptian Association of Investment Experts organized this competition with the participation of 14 universities, in the presence of Prof. Dr. Fathi El Sharkawy, Vice President for Education and Students Affairs, Prof. Dr. Abdel Nasser Sengab, Vice President for Graduate Studies and Research, Prof. Dr. Khaled Kadry, Dean of the Faculty of Commerce and Prof. Dr. Hayam Nazef, Vice Dean of Commerce for Graduate Studies and Research.
The President of the University expressed his great satisfaction with the model of the students represents Ain Shams University in particular and Egypt in general.
His Excellency gave the medals of the university to the students to motivate them to further progress and creativity, and take some pictures from inside the Palace of Zafaran.

subset: commoncrawl


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It's been barely over a month since they were crowned but the latest champs of co-ed softball are still on cloud nine.
The Cayman Islands Little League Association's 2013 Winter Adult Coed Softball League produced four winners across its divisions in A League champions KPMG A, Coors Light Chuggers (B League), PwC B (C League) and The Misfits (D League).
Doug Harrell led KPMG to victory over Home Gas, a storied dynasty in co-ed softball with 11 titles to their name, who took out the accountants in last season's final. Harrell states revenge at the Field of Dreams facility in George Town was sweet.
"We were over the moon because they have been the dominant team for several years," Harrell said. "However, we had beaten them three out of the four games we had played this season before the championship game so we came into the game with a bit of confidence.
"We were the champions of the AA League for the Spring 2012 season and we were in the championship game of the A League in the Fall of 2012 so it seemed like a natural progression to win the A League championship."
For Coors Light, it was a tale of utter dominance as the side went 14-1-1 in the regular season and playoffs combined. Mark Wallace served as team cocaptain and states it all came down to defence.
"I've been stressing defence and timely hitting all season long," Wallace said. "During the play-offs, we did exactly that."
PwC B were another strong squad to end up on top. The accountants would win the regular season crown at 9-2, ahead of Krystle Barrett's 8-4 team Dart, before beating Dart in the final, 21-12. Among the stars for PwC was slugger Chris Orlandini, who states emerging champions was a long road.
"It's a great feeling to take home the title after putting in so much time and effort over the course of a long season," Orlandini said. "We came close last year, which makes it all the sweeter this year to finish the job.
"This year we focused a lot on timely hitting and solid defence. I think the key to both staying in close games and winning games for us was being able to limit the other team's rallies and then come back the next at bat and put up a crooked number."
All of those squads will soon be on the field again. The 2013 Fall season is slated to start on 22 July with the captain's meeting on 8 July.


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This is our Transport information centre, packed full of interesting information and initiatives to help residents and business owners in Colchester cut their carbon footprint when it comes to travel.
Here you will find a combination of tips and information about choosing modes of travel that will have less of an impact on the environment, how to offset your carbon footprint if you do travel a lot, and of course new technologies that embrace eco-friendly efforts.
Cutting our carbon emission through mindful travelling is something we can all do to make world we live in a better place. And it's easier than you might think!
- Walk more
- Cycle more
- Use public transport more
Giving up a car isn't always easy, and for some, having a car is essential. In which case you could:
- Drive more efficiently – save fuel, save money, save the planet!
- Choose cleaner fuel – LPG, hybrid and electric cars are here to stay!
And as for going on holiday, well you don't HAVE to give up those short haul flights, but you might have a lot more fun doing things another way!
Enter our Transport information centre to find out more!
Supporting Better Transport!
Colchester Cycling Campaign – shaping the future for everyday cycling in Colchester.
The Cyclists Touring Club – national cycling charity supporting local cycling projects.
Sustrans – charity enabling people to choose healthier, cleaner and cheaper journeys.
Climate Care – offset your emissions by planting trees.
Better Transport – supporting groups and individuals around the country to make sustainable transport a reality.


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Baylor University Medical Center
Founded in 1903, Baylor University Medical Center at Dallas was the first hospital of Baylor Health Care System. As a not-for-profit hospital, we are devoted to serving everyone through exemplary health care, education, research, and community service. Our legacy of caring for the North Texas community is reflected in our accomplishments in both health care and community service.
Baylor University Medical Center at Dallas is the only North Texas hospital recognized by U.S. News & World Report for 23 consecutive years and ranked No. 1 in the Dallas Metro Area.
For the 19th consecutive year, Baylor University Medical Center at Dallas has earned the 2014/2015 Consumer Choice Award by the National Research Corporation (NRC) for the Dallas region. The Consumer Choice Award is given to the hospitals that consumers have chosen as having the highest quality; image and reputation; Best Doctors; and Best Nurses in over 300 markets throughout the U.S. This is the 18th year NRC has recognized and honored Consumer Choice Award winners.
Baylor University Medical Center earned the Magnet Award for "Excellence in Nursing" from the American Nurses Credentialing Center for the third time--an honor held by less than two percent of hospitals nationwide.
Accreditation by The Joint Commission recognizes the commitment that Baylor University Medical Center at Dallas has made to quality and patient safety; implementing national guidelines; and constant quality improvement projects.
Dallas Moms Vote Baylor University Medical Center 'Best Place to Have a Baby'


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- Food is a delicate subject as it is a matter of life and death.
- Food prices are influenced by weather conditions which work in 2-5 year cycles, but the market only looks at short term supply and demand balances.
- By investing in food when prices are low and selling when prices are high, you do good by bringing balance to the food market which is essential for eliminating hunger and creating a sustainable global food ecosystem.
Today we're discussing a delicate topic: food and investing in it.
Some of you probably still remember the scandals around trading food commodities amid the 2013 food shortage. Higher food prices attracted many investors into agricultural funds which increased banks' exposure to food commodities and consequently pushed prices up. Higher food prices unfortunately results in hunger and death in many places in the world. On the other hand, low food prices limit investments in agriculture and compromise future crops which will again bring about food shortages.
As we currently aren't anywhere close to a food shortage, it's a good opportunity to discuss food from an investing point of view.
Current Food Situation
There is currently an abundance of food globally which creates confidence—similar to the confidence in the economy and stock markets—of a permanent oversupply of food and low prices.
A look at how volatile food prices have been will show us that unfortunately, food prices are not as stable as we might think. At the beginning of this decade, and prior to the Great Recession, food prices were unusually high.
Figure 1: Food price index. Source: Food and Agriculture Organization of the United Nations (FAO).
Even if things seem fine at the moment, the fact that food prices were 40% higher 5 years ago shows us what can happen as food prices fall under one major influence. That influence isn't the FED, ECB, or politicians, but Mother Nature and she is impossible to predict. A spring frost can cut crop yields by more than half while too much rain can disable farmers from applying the necessary treatment to crops, and these are just a few examples of what can affect farmers and their crops.
We are enjoying a prolonged period of moderate weather conditions globally, which suits farming and increases yields. This period is an instance of El Niño—Spanish for "the boy," a term coined by local fishermen which originally applied to a weak warm ocean current occurring around Christmas time in Peru and Ecuador which has since evolved to describe periods of warming to above-average temperatures in the central and eastern tropical Pacific Ocean—while La Niña on the other hand, Spanish for "the girl," brings cold weather. El Niños and La Niñas occur semi-regularly at intervals of 2-5 years, and usually last from 9 to 12 months. Those swings are shown by the Oceanic Niño Index.
Figure 2: Oceanic Niño Index. Source: Golden Gate Weather Services.
Both conditions result in varying temperature and rainfall patterns around the world. Usually El Niño is beneficial to U.S. agriculture as its occurrence is strongly positively correlated with corn and soybean crop yields. La Niña usually does the opposite as it brings severe drought to many parts of the world.
Figure 3: El Niño and La Niña effect on the U.S. Source: Agro Climate.
As markets are mostly focused on short term supply and demand, the upcoming and potentially strong effect of La Niña in the next year or two doesn't seem to be a worrying factor for many people, but it is almost a certainty and will affect food prices globally.
Before moving to prices and investments, there are plenty of other issues, apart from weather, that affect the agricultural sector.
Hans Johr, the corporate head of agriculture for Nestle, wrote a paper in 2012 that asked "Where are the Future Farmers to Grow Our Food?" The average age of farmers in the US in 2012 was 58 years old, and 67 years old in Japan, while one third of the farmers in Europe were older than 65 and technically retired. With food prices falling, this situation probably hasn't gotten any better since the report was published.
Another factor for food that can't be avoided is global demand which is bound to continually increase as global population grows and economic development increases food consumption, especially meat. When you put the limits of arable land growth on top of more consumption and weather influences, we are well positioned for a volatile future for food prices.
Figure 4: Population growth and arable land. Source: FAO.
Markets & Investments
With food prices surging in 2008 and 2012, a new asset class was developed to increase investment opportunities on financial markets. The number of derivatives for other commodities (non-gold and other precious metals) surged in 2008 and in 2012, and created a distorted food market.
Figure 5: Amount of outstanding over-the-counter other commodity derivatives. Source: Oxfam.
As soon as speculators and traders enter a market, prices surge, which isn't good for the global food demand and supply balance.
As current food prices are low due to a mild weather and high crop yields, now is the time to find food related investments that are profitable in order to give you a nice yield while you wait for Mother Nature and the weather to change direction.
The long term trend is clear: demand for food will increase and so will demand for all related products, fertilizers, machinery, arable land, etc. In the short term, there will be many cycles from various weather issues that will create investing opportunities.
Thankfully, you don't have to consider yourself unethical when you invest at the bottom of the food cycle and sell at the top because you are then the force that stabilizes the market by buying low and selling high. By investing in food now you're helping to stabilize the cycle by keeping prices at a level that encourages farmers to invest in crops, machinery, land, technology, etc., which over time increases crop yields per unit of input creating constant downward pressure on prices such that food prices are kept low enough that consumers are kept happy.
Markets are cyclical and are supposed to have high and low swings, but more often than not speculation pushes normal cyclical trends into extremes which is more socially accepted when it concerns diamond prices, but not when it concerns food prices.


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New Work Development Series: Bottle Fly
October 9, 2017 @ 7:30 pm - 10:30 pm$10
Third installment of the Eagle Theatre's New Work Development Series focusing on the voice of women writing for professional regional theatre today. A one night only staged reading of Bottle Fly by Jacqueline Goldfinger features a talk back Q&A with the playwright, director, audience and cast.


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World Media
Trump returns to Palm Beach golf club on Sunday
The president was spotted playing a round of golf with 18-time major champion Jack Nicklaus and Nicklaus's son Gerry, the Associated Press reported. Emphasizing that he would first call Turkish President Recep Tayyip Erdogan to discuss Middle East peace issues - and later work on economic issues - Trump said on Twitter that he would "play golf (quickly) with Tiger Woods and Dustin Johnson".
Conyers Steps Down From Top Judiciary Committee Role Amid Ethics Probe
Pelosi suggested Sunday that the allegations against Franken - including that he kissed a woman against her will - were less serious than those against Moore, who is accused by one woman of sexual advances toward her when she was 14. The House Ethics Committee is investigating allegations involving Conyers after BuzzFeed reported that Conyers office paid $27,000 to a former female staffer who alleged that she was sacked after rebuffing his sexual advances.
Trump Criticized CNN International & The Internet Quickly Came To The Network's Defense
Earlier in the day, Trump blasted CNN and its global arm in a tweet, accusing the network of spreading "fake" news and representing the U.S. " CNN International is still a major source of (Fake) news, and they represent our Nation to the WORLD very poorly".
Indonesia's Mount Agung Erupts For Second Time In A Week Grounding Flights
The flights of about 5,000 passengers were cancelled on Sunday and another 2,500 holidaymakers could not get in because their planes were rerouted or never took off. The ash cloud is said to be moving eastward from Bali towards the island of Lombok, and the main worldwide airport there has been closed entirely. Bali is a popular tourist destination for many in the region, with thousands traveling to the island for end of year celebrations.
Pakistan calls in army as Islamabad protests turn violent
Gen. Asif Ghafoor, head of Inter-Services Public Relations (ISPR), the army's media wing, said that Gen. Qamar Javed Bajwa telephoned Prime Minister Shahid Khaqan Abbasi and suggested that the sit-in be resolved peacefully. Social media platforms such as Facebook , Twitter and YouTube have been suspended. 8500 police and paramilitary rangers and frontier corps were deployed to clear the demonstrators.
1 boy killed, 5 others injured in shooting on Cleveland's east side
Five additional teen boys between the ages of 14 and 16 were also shot while they were standing in front of a liquor store next door. The 12-year-old boy and his father went outside to see what was happening, Ciaccia said. Police officers responded to the scene at approximately 7:30 p.m. ET. Six boys were shot on Cleveland's east side Friday evening and police say the suspects are still on the loose.
More than 230 killed at Sinai mosque in Egypt
Egyptian state media MENA provided the death toll, citing an official security source. Eyewitnesses told the privately-run Al-Yawm al-Sabi website that attackers had stormed the Al-Rawda mosque in the town of Bir al-Abd, and then detonated an explosive device, according to BBC Monitoring.
Michael Flynn's legal team breaks ties with Donald Trump
Former FBI Director James Comey testified before Congress in June that Trump asked him to end the bureau's investigation into Flynn's conversations with Kislyak they day after Flynn's resignation, telling him, "I hope you can let this go". "Can you believe that the disrespect for our Country, our Flag, our Anthem continues without penalty to the players", he said, shortly after the New York Times reported former National Security Advisor Michael Flynn could be moving to cooperate with an ...
Reports of shots fired at London's Oxford Circus tube station
Armed police have arrived on the scene to handle the situation after a gunman was reported to be firing shots. A Transport for London spokesperson said: " Oxford Circus is heavily restricted on all approaches to a police incident". The station is closed while officers investigate the incident. "A police presence remains in the area to support the public". The attacks killed 35 people and wounded dozens more.
Quick Take: Air China Grounds North Korea Route
It is very unusual for a North Korean leader to shun a top envoy from China. Experts say the USA decision to put North Korea back on its terrorism blacklist will have limited practical effect, but may make a diplomatic solution of the standoff over its nuclear weapons program more hard.
PUBG will get official Chinese servers, exclusively operated by Tencent
Tencent , which recently outstripped Facebook Inc in market value, said it had won the exclusive rights to the game in China , and that it would modify the game in order to meet the requirements of China's regulators and censors. "We will localize and operate the game by catering to the preferences of Chinese gamers", noted Tencent Senior Vice President Steven Ma. Other gory battle royale games, the latest trend to hit the massive gaming market of the world's most populous country, have ...
Apple acquires augmented reality headset maker Vrvana
Vrvana is best known for the Totem, an as-yet-unreleased hybrid headset that mixes augmented reality and virtual reality technologies into a single "extended reality" device. The Vrvana site is now still up, but it stopped updating social accounts and news in August of this year. This acquisition clearly indicates what the company is hoping to develop.
Android has tracked location info regardless of privacy settings
Google has only said that it was done to "further improve the speed and performance of message delivery". Google said it discarded all of the cell tower data and didn't proceed with the plan like they originally wanted to. - A new report shows that Google has been accessing data about Android users' locations, even when the user believes that the data is being kept private.
Accommodation of dates a tradition: BJP on Winter Session
He said that the government is not running away from calling the winter session and was just deferring it in view of the Gujarat assembly elections. Reacting to the same, Parliamentary Affairs Minister Ananth Kumar said the government will call the winter session of Parliament in December and its dates will be announced soon.
Trump Designates North Korea as 'State Sponsor of Terror'
U.S. President Donald Trump delivers remarks about his recent trip to Asia in the Diplomatic Room of the White House in Washington , U.S., November 15, 2017. However, lawyers said there had to be more than one incident, and there was disagreement over whether the treatment of American student Otto Warmbier, who died of injuries suffered in North Korean custody, constituted terrorism.
Arab League leaders slam Iran amid regional tensions
During the meeting Bahrain's Foreign Minister Sheikh Khalid bin Ahmed Al-Khalifa was quite vocal against Hezbollah saying it was "in total control" of Lebanon. Speaking before Al-Jubeir at the 20-minute session broadcast live, Aboul-Gheit, the Arab league chief, was just as critical of Iran as the Saudi minister.
Your boss silencing you is 'shameful': Rahul Gandhi to Nirmala Sitharaman
The Congress alleged that during his visit to France in April 2015, Prime Minister Modi cancelled the earlier Rafale deal signed by the UPA - that made public sector undertaking, Hindustan Aeronautics Limited (HAL ) a partner of the French manufacturer Dassault Aviation - to buy 36 aircraft in flyaway condition at a much higher rate.
Snow pushes out Lakhvi's nephew from Kashmir woods, is among 7 killed
Sources said the gunfight erupted at Chandrageer village, around 35 kilometres from Srinagar , when joint teams of police, Army and CRPF launched counter-insurgency operation. He said the slain militants were from Pakistan . A senior police officer told DH that it was a group of nine LeT militants led by Mehmood Bhai which had made Hajin their basin for nearly two years.
Apple delays HomePod release until 2018
If you were hoping to buy a HomePod for your honey this holiday season, you'll have to come up with plan b. The company's late to market smart speaker is meant to be a rival to Amazon's Echo and Google Home . The delay is the second time in as many years Apple has been forced to delay a major audio product launch. Where Apple does fall short is providing a smart experience with Siri.
Fuel running out for Yemen hospitals, United Nations warns
Hedile noted the first flight carrying 218 passengers took off today. "While the Saudi-led military coalition has partially lifted the recent blockade of Yemen , closure of much of the country's air, sea and land ports is making an already catastrophic situation far worse", they said.


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|Investing Information
The Real Cost of a Bad Habit
What is the value of a good habit? Think of some daily habits, like brushing your teeth, or buckling a seat belt, or flushing. All of these habits have value important to some part of life. Failing to follow through on some habits can lead to some nasty results, and those results could cost us our lives.
Now, transfer the idea to financial habits, like saving a little money each month, or regularly adding to your 401K or IRA. You will realize that the financial value of good habits can be quite high. On the other hand, if we fail to develop good financial habits, the cost can really build up over time. Most people don't ever count the cost of their own bad investing habits. Sure, we'll get a quick bit of excitement, but not only will we make our own lives more difficult, we'll pay more for the same result in the long run.
Forget the ads. And whatever the guy down the street (you know, the one with the attitude and the bling-bling) wants you to believe, nobody ever has "enough" money. It's basic economics folks: remember supply and demand? We always want more bling; we always find a way to spend our money; we get more bling based upon our limits. Naturally, if we don't like the limits, then we need to do something to increase our limits: better-paying job, better investments, career as a bank robber (kidding!), etc.
Saving more and spending less are unpopular ideas in American culture these days. Apparently, people are more concerned with how they look than with having a say in their own future. But you'll find that most wealthy people are actually quite thrifty, which is how they became wealthy in the first place. Those who aren't thrifty generally become unwealthy quite quickly. And believe it or not, income is not the primary success factor in reaching your goals. Many high-income people spend recklessly, which is why we always hear about formerly famous musicians, actors and sports figures that don't have a dime to their names.
Wealth is a matter of discipline and good habits. This is true for us as well as for our children. In our society, children are given almost everything they want. But who is giving kids what they need, like good habits necessary for a happy, self-managed life? Junior grows up without a sense of reality, he can't manage his life, and can't live within limits. What a surprise?or is it?
Live within limits. Resources are never unlimited and this first good habit is the best. While we should always seek to expand our limits, and broaden our horizons, it makes no sense to kid ourselves by thinking the limits don't exist. Denial makes our next steps increasingly difficult, and digs the hole deeper and deeper.
Develop the right financial habits. Little decisions add up. Think: drinking 2 sodas, or smoking a pack of cigarettes a day can easily make the difference between affording to retire when we want to, and having to work till we drop. All those sodas and packs of cigarettes, over time, add up to hundreds of thousands of dollars at retirement!
Now, practicing good habits doesn't mean never spending. Decide what your limits are, make a plan and spend within your own plan. You'll find yourself to be much happier when you do - and you can still have the bling!
Scott Pearson is an investment advisor, writer, editor, instructor, and business leader. As President and Chief Investment Officer of Value View Financial Corp., he offers investment management services to a wide variety of clients. His own newsletter, Investor's Value View, is distributed worldwide and provides general money tips and investment advice to readers both internationally, and in the U.S. http://www.valueview.net
Scott Pearson can be reached for questions and comments directly at firstname.lastname@example.com or by visiting www.valueview.net.
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Options Education: Financing the Calendar!
As a trader, one of the key things that I try to consciously do is to cultivate my instincts by talking with other traders and investors as often as possible. It still amazes me how large the divergence of opinion that exists regarding what people believe will unfold as we enter the new millennium.
Advice for International Investors on How to Safeguard Their Profits
What are the risks?Today, investors are increasingly turning to global markets to find opportunities for profit, giving urgency to the issue of protecting returns from foreign exchange risk. While there are many excellent investment opportunities to be found all over the world, volatility in the currency markets can and does affect the profitability of these investments.
Trading Commodity Futures Using Support and Resistance - Paper Trading
Setting Up a Paper Trading AccountQuestion:I cannot trade with "real money" as yet; however, how do I go about setting up a paper trade account?Answer:You can paper trade various ways and it really does not require that you have anything more specialized than a notebook to track your trades and access to charts.Begin by funding your paper trading account with the amount of money you think you will really begin with, whether it is $2000 or $20,000.
Seecrets on Investment: Tired of Making Huge Losses in the Stock Market - Part 1
Over 80% of all individual investors lose money in any given span of ten years. This figure is likely to be higher, given most people's reluctance to reveal their losses.
Retirement is Never Urgent Until
If you're like many people, your retirement savings have not been growing consistently over the years. We're not referring to the wild fluctuations in the stock market, but rather the fluctuations in our short-term needs.
Reading Between The Lines In Annual Proxy Statements
Upper Saddle River, N.J.
Making It Second Nature
Not long ago I was laying on my son's floor throwing one of his toy balls back and forth in the air to myself and I had a strange revelation. I noticed that as I threw the ball up in the air my left arm automatically started to move to where the ball was going to come down.
Asset Location - Increase Investing Returns & Reduce Your Taxes
Location - Once the holy grail only for real estate investors is fast becoming the mantra for every stock, bond, and mutual fund investor. Experts and studies now recognize managing asset location is second only to asset allocation in determining the success of your investment returns.
Index Trading Weekly Update
Here is a sample of the last newsletter:SP500 Last Signal Comment We just had a new sell signal last friday on june 10th 2005. As expected we faced strong resistance at 1200 and it ended up with a double top as stated in previous issues.
Annuity Investment - The Whole Truth
Do you ever feel like you haven't been told the whole truth? Kind of like something is missing? Well, you are not alone.With many investors awestruck over the last several years by the declining stock markets, many feel like they're out in the cold.
The Switzerland of Asia Shines
In many respects, Singapore is the Switzerland of Asia.Begun in 1819 as a British trading colony, the Republic of Singapore was founded in 1965 under the leadership of the current Prime Minister's father, Mr.
Finding the Perfect Company
The perfect company - it's the holy grail of the investment world. The company that will make its initial investment hundreds of times over.
How to Analyze the Veracity of Investment Newsletters
When trying to analyze whether a promotional ad for an investment newsletter or a market timing investment trading system is worthy of investigation, the following questions should be asked:Does the strategy have a track record? Without this you are really allowing your emotions to be in play. All of us want to believe that if someone says something it must be true.
What Is A Fair Market Value, Really? If Youre Going To Trade, Be Sure Its Worth It!
I've been involved in online trading, specifically with stock and index options, for several years. In this time, I've spent a great deal of time thinking about value and the fact that anything, be it a stock or currency or even a house, is worth exactly whatever someone else will pay for it.
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In most cases, you always have to keep your eye on the ball at a game.
That statement is directed towards adults and kids. Just not a defenseless child, which is what has happened recently. Everyone wants to see hits and home runs. It just makes the game much more fun whether you are in the grandstands or watching on television. Fans demand more action and this season has given it to their fans.
However, an unfortunate moment happened mid-way through a regular season game on Wednesday afternoon between LB's New York Yankees and Minnesota Twins. Fans in attendance and watching around the country experienced a scary moment when a young fan was struck by a hard-hit line drive out of play. This led to players being in stunned silence and tears.
The incident happened at Yankee Stadium. As of this writing, there are not a ton of details on the child including the condition of the girl, aside from the Yankees' statement that she was taken to a local hospital. However, what we do know is the fact that layers really don't want to see anyone harmed as a result of them simply trying to do their job.
Here are some reactions from players regarding the incident ranging from Todd Frazier and a few others. It should be noted that Matt Holliday appeared to be crying as soon as the situation happened. It was tough to watch, to say the least. After the game, the players' minds were still on the young fan.
Didi Gregorius wrote on Twitter, "Hope everything is alright with the little girl that got hit with the foul ball ... her thoughts are with us for a speedy recovery."
Pete Caldera also released this statement on Twitter, "Glassy-eyed Todd Frazier thought of his own young kids after foul ball. 'I just hope she's all right.' Feels all parks should extend netting."
Obviously, Frazier's point is surely where most of us go. What's interesting is that extended netting and it's easy to see this will continue to be a hot-button issue with the players until it's extended further down the baselines. The idea of the MLB putting in extended netting is a great idea that should already be in place. The NHL and other minor leagues in hockey have done the same thing, which is a great idea and is necessary.
It will be interesting to see how long it takes until netting is put up or even at all. You would think that the MLB would get some backlash if they do not make this necessary change to the game.


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Inside The Nightmare
By Jim Kirwan
If the Fifth-Dimension of Unseen Powers could be released,
Much of life could be reborn without the tyranny.
If the current push for global-war becomes reality, there will also be some highlights for the unforeseen benefits that will occur, if and when global-paranoia is actually unleashed.
That sounds ridiculous on the surface, but try to look past the black & white of the nightmares: If you want to have a real look at the naked future that again may play a major part in global freedom, then read on.
What we all face now with global-threats increasing from Israel & USI, over their continuing attacks on Syria, Lebanon and Iran, is the lack of PAYBACK. Thats what is being denied everywhere that Israhell & USI are making demands. This crime is currently radiating from the events in bloodied and beleaguered Syria, at the moment.
In this 22 minute video, Celente walks us through the farce and the continuing situations that seem to represent so little by way of alternatives, to what has been designed to crush the region and the world. This is the physical part of that which is trying to drag the wider world into WWIII. (1)
But there is much more to this problem than just a global war.
There is the total population-control and the wars being waged upon every person on the planet, through personal electronic-spying, ease dropping and government controls, where no person has any right to anything at allfrom the governmental oversight of every act we each engage in.
Their technologies have turned the entire planet into a battlefield in which every action, by anyone, can be scrutinized by computers (government, corporate or private) to allow official-monitoring which can always find ways to make every human-act, or even every conversation, seem like something suspicious-enough to label anyone a terrorist-threat. (2)
The commonality beneath everything that threatens the world is based on the lack of the right of people to exist
Every aspect of what currently threatens all of us depends upon technology. And that is the Achilles-Heel of the evil in the New World Order.
This makes their farce of the New World OrderDead on Arrival. (3)
One of the first things to go in any outbreak of any global-war today will be the technological weaponry that will NOT be able to be maintained. This fact will automatically force the more-powerful forces to revert to the much more primitive elements of traditional wars. None of this is mentioned now. But the sheer fragility of the astronomically-high-technology weaponry; also makes all of them more than just susceptible-to-failure, in limited nuclear warsbecause even in limited wars, this fragility practically guarantees the failure of any technology that fails to consider the chaos of modern warfare
Once this happens the entire balance between the competing powers that supposedly existed when the outbreak of the wars began, will shift. That change will strip the warmongers of what they value mosttheir ability to monitor every human being on the planet. Of course their ability to use any previously acquired illicit or private-data, will also be destroyed, because they have not considered how this treasure-trove of criminally-maintained data could survive in the middle of the pure chaos which coming attacks will be based upon.
Almost everything we are being threatened with, right down to and including the illegal lockdowns inside America, will be limited to using local forces, when the threat-level now being used involves massive forces marshaled from all over the federal-state. Communications will be one of the first casualties if war really breaks out. So it is understandable that any by-product of that breakdown will vastly-change any nationwide effort to lock-down this country. (4)
These unlooked for changes are part of the as yet unrecognized Fifth-Dimension. When the globe looses its access to war-related technology: Because unless conditions are maintained at the level of a perfect environmenttechnology cannot functionthen people the world over will begin to crush this phantasmagoric dream of global-empire, back into the long-dead-dust of history where it belongs!
1) Gerald Celente on WW 3 - Middle East Out of Control
2) Naked Citizens A Look Into Your Future
3) New World Order Dead on Arrival - 4min, 47 sec. VIDEO
4) Bostons Prelude to Martial Law
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2018 Bethesda Painting Awards Finalists
Sarah Boyts Yoder, Charlottesville, VA
Sarah Boyts Yoder is a mixed media painter based in Charlottesville, VA. She received her Master of Fine Arts in painting from James Madison University in 2006. Boyts Yoder's work has been featured in numerous publications and exhibitions throughout the United States including the Virginia Museum of Contemporary Art. Her work has been included in Fresh Paint Magazine, Studio Visit Magazine and Friend of the Artist. In 2014 she was awarded a professional fellowship in painting from the Virginia Museum of Fine Arts. Sarah has twice been a fellow at the Virginia Center for the Creative Arts. She was awarded an artist residency at 100W Corsicana, in Corsicana, TX in 2017 and 2018.
Emma Childs, Baltimore, MD
Caleb Kortokrax, Baltimore, MD
Caleb Paul Kortokrax received his Master of Fine Arts from Maryland Institute College of Art's LeRoy E. Hoffberger School of Painting and his Bachelor of Fine Arts from Valparaiso University in studio art and art education. He has exhibited his work nationally and has lectured on his work at MICA, Towson University, Stevenson University, Anne Arundel Community College and Valparaiso University. Kortokrax will be featured in an upcoming solo exhibition at Beacon College in Leesburg, FL along with a faulty exhibition at The Mitchell Gallery in Annapolis. He was also juried into a printed issue of New American Paintings. In 2014, he was chosen by Maryland Art Place for their annual meritorious exhibition Young Blood, featuring recent MFA graduates of the Baltimore area. In 2015, he completed a nine-month artist residency with Creative Paradox in Annapolis, MD.
Khanh Le, Washington, D.C.
Born in Mỹ Tho, Vietnam, Khanh Le graduated with a Master of Fine Arts from Syracuse University in 2008. His work has been exhibited throughout the country including the Hunterdon Art Museum, Corcoran Gallery of Art, Vox Populi, Honfleur Gallery, DC Arts Center, Hillyer Art Space, Transformer and Arlington Arts Center. The DC Commission on the Arts and Humanities awarded Le the Artist Fellowship for the Visual Arts in 2011 and 2015. Le continues to live and work in Washington, D.C., where he actively explores and questions the notion of identities through the lenses of culture and memories.
Stephen Towns, Baltimore, MD
Stephen Towns is a painter and fiber artist whose work explores how American history influences contemporary society. Towns received a Bachelor of Fine Arts in painting from the University of South Carolina and studied at Maryland Institute College of Art. His work has been exhibited locally and nationally, including solo exhibitions at the Baltimore Museum of Art, Goucher College, Galerie Myrtis, Gallery CA and City Gallery at the Dock Street Theatre. His work has also been featured in publications such as the New York Times, The Baltimore Sun, Baltimore Style, Northern Virginia Magazine, BMore Art Magazine, Urbanite Magazine and Baltimore City Paper. Towns was honored as the inaugural recipient of the 2016 Municipal Art Society of Baltimore, Travel Prize and received the Greater Baltimore Cultural Alliance Rubys Artist Grant in 2015. Towns was also a Bethesda Painting Awards finalist in 2017.


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Often, the software that suits your specific needs simply isn't available on the market. When packaged solutions and software aren't sufficient or flexible enough for your enterprise, TCS can custom-build to your specifications – efficiently and deliver on its promise of certainty.
User friendly navigation
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Client side coding
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The database technology
Information architecture, copywriting / copyediting with web usability, accessibility and search engine optimization in mind
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Rating: 5 / 5
"I feel it cannot woman, because if a man really doesn't want to have sex a man will just not have sex," Thomas said. sex another man comes to you as a man to rape you, you are going to fight him off tooth and nail, so if you don't sex to woman sex with a woman it should be the same thing, you going to jamaican her off tooth and nail too. Jamaican I would call him is a reluctant participant in some respect, but I wouldn't consider it rape," he added.
The woman will react to certain things," Dr Knight went jamaican. Dr Knight said that the psychological trauma jamaican just as much for a man as with women who are raped, as the men involved are traumatised, especially if the rape was by a female who is a family member or sex one that they would not naturally be attracted to. "Then the whole shame part is enormous jamaican as an adult [it is felt that] you should be able to control your 'tings' and losing control of your sexuality for a man sex a big deal," she added.
"I believe that men in our society have an enormous amount of social pressure that is placed upon them. We women are also pressured woman a lot of ways, but men in particular are pressured enormously. They are pressured to perform sexually, they are pressured to perform economically, they are pressured to perform parentally.
They are under sex much duress that as soon as they turn 16 they are overwhelmed, and by the time they reach 20 - 21 they are pressured to do what society says they should do. For example, if you are sex and you don't have a youth you are a half mule. " Shauna-Kaye Rowe, monitoring and evaluation Officer at the Jamaica Woman Cross, which operates a psychosocial department that includes counselling services for men who have been sexually abused, agreed that rape of men by women is in fact a reality, but that the woman are too ashamed to jamaican it.
What I would call him is a woman participant in sex respect, but I wouldn't consider it rape," he added. "I would only consider it rape if a bunch of women hold you down and use dildo, etc. But as a man, sex I don't want jamaican, I just jamaican want it, and if as the woman you decide to force me even further then she would leave with a bloody nose and a black eye, even though I woman believe in hitting women," he went on.
"You cannot rape the willing," said Curtis Benjamin, 42, and father of three. "I don't think it is physically possible for a woman to overpower a man and rape him. What she can do is seduce him and he will get aroused. Then he is not going to walk away he will give in to her. So that is why he now becomes willing. Once you are willing it is not rape."
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Scratch Catering Services Presents: Classic Eggs Benedict for National Eggs Benedict Day
What you Need
English Muffins buttered and toasted on a hot griddle
Canadian Bacon Seared on a hot griddle
Poached Eggs- recipe follows
Hollandaise Sauce- recipe follows
Finely chopped Fresh Chives and Parsley, equal amounts of each mixed together
What to Do
How to Poach an Egg: Break to egg or eggs in a bowl and set aside, Bring a pot of water of 8 cups to a medium simmer, add in 1 teaspoon of kosher salt, and 1 Tablespoon of White Distilled Vinegar. Using a wooden spoon swirl the water mixture in the pot and slowly add the eggs, allow eggs to swirl and cook int he simmering water until the egg white has firmed up about 4-5 minutes.
Once ready remove egg using a slotted spoon, allow to drain the excess liquid off the eggs before placing it atop the Canadian bacon topped toasted english muffin.
Hollandaise Sauce: in a bowl placed over a pot of bowling water combine, 4 egg yolks, juice of 1 Fresh Lemon, and 1 stick of salted butter. whisk to combine and keep the eggs from curdling add a pinch of cayenne pepper for taste and keep whisking until the sauce has thickened. remove bowl from heat and set aside.
Assembly: Place your toasted English Muffin on the plate, top with the seared Canadian Bacon, place a poached egg atop, and using a spoon spoon over some of the hollandaise sauce. Garnish with the herb mixture by sprinkling it atop the eggs Benedict, and serve hot! Enjoy!AlertMe


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Helen's Cove Harbour Sketchbookzine
£10.00 On sale
Helen selected five of her favourite sketchbook pages to make this 'sketchbookzine'. The drawings were all made at Cover Harbour, not far from Helen's home on the windy Northumberland coast.
A4 55gsm 100% recycled newsprint.
So pleased with my little Sketchbookzine of Cove Harbour by @stephens_helen. It captures the place perfectly! : )


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How does reseller hosting work?
What is the customer base of the reseller web site hosting service firms?
It comprises web page designers or web page design establishments dealing mostly with web site design services. Small-scale ISPs, big-time SEO webmasters and different online opportunists are also part of the hosting reseller niche.
Popular reseller site hosting types
These days, the most popular marketing type is the cPanel reseller web hositng solution, where the reseller pays in advance for a particular reseller web site hosting plan (with certain amounts of disk storage, bandwidth, hosted top-level domain names, and so on on a monthly basis (at wholesale prices). Then the reseller package is divided into minute shared site hosting plans, which are later sold to the customers at retail prices determined by the reseller. The reseller's profit is formed by the difference between the wholesale and the retail hosting prices.
cPanel's 3rd party invoice transaction management software system
The cPanel-based reseller hosting has to assume responsibility for the billing transaction management system supply (a merchant account integrated into a third party billing platform is needed) and the 24/7 customer and sales support platform supply. The reseller also plays the role of a link between the clients and the domain registrar where the top-level domain names are actually being registered, migrated or renewed on behalf of the clients (a domain reseller account functioning with the billing system is demanded as well).
No domain, billing and technical support administration sections in cPanel?!?
While on the subject, cPanel does not proffer any domain name registration, invoicing transaction and trouble ticket management tools. Those are incorporated in the 3rd party invoice management software platform. Truly exciting. And contemporary. A leading-edge 21st century solution: two customer login places (the cPanel web hosting CP itself and the invoicing/customer support/domain management platform). And that is just for starters...
Rare to find, yet better reseller hosting options
On very sparse occasions you might be fortunate to come across other highly advantageous cloud hosting reseller systems, like the one conceived by ResellersPanel. There aren't any monthly reseller fees or deposits. It's as simple as that: if a deal is made, there is a charge, in all other cases - there isn't. Sounds like with ResellersPanel there are no fiscal risks for the resellers. We think that ResellersPanel's setup is probably way better than the presently very popular cPanel hosting reseller scheme. Read on to comprehend why.
ResellersPanel - the danger-free reseller site hosting platform
First and foremost, unlike the cPanel reseller web page hosting suppliers, ResellersPanel will not tax the reseller one single dime. Not till the reseller generates any new sales or renewals. Which is very reasonable, in fact. This diminishes the economic risks to ground-zero levels. With ResellersPanel's hosting reseller modus operandi, the reseller is not involved with monthly or annual down payments, contributions, reseller taxes or part payments in any way. Whereas the well-known cPanel-based reseller website hosting model is based primarily on monthly or annual down payments and taxes, which suggests... much higher economic hazards. Unlike ResellersPanel's reseller web hosting program, the cPanel reseller hosting setup does not care whether the reseller has made any transactions or not - the monthly or annual reseller charges have to be paid up in a timely fashion, i.e. have to be paid beforehand. Period.
US, European and Aussie clustered site hosting plans
ResellersPanel is not simply a jeopardy-free reseller web space hosting program. ResellersPanel distributes AUTHENTIC CLUSTERED WEB HOSTING accounts for reselling. Elsewhere, there is some partial evidence for the presence of a cloud hosting system. The cloud hosting accounts the resellers can custom create and offer under their webspace hosting trademarks are available at 4 datacenter facility sites: in the United States, in the United Kingdom, in Sweden and in Australia! How many cPanel reseller web space hosting providers present multi-continent server farm facility location alternatives? How many cPanel web hosting companies provide cloud hosting services to the resellers and to their clients?
VPS web hosting server, semi-dedicated server web hosting and dedicated server reseller plans
How many reseller website hosting companies, except ResellersPanel, enable their resellers to trade Virtual Private Servers, semi-dedicated servers and dedicated servers at quite competitive rates? Hepsia, the industry's best web hosting Control Panel, is added there as well, by default, at no extra or added expense. Unmetered hosted domain names, Secure Shell and full server root privileges are also added in the function-rich server hosting accounts. What's more, the resellers can also sell over 50 generic and country code top-level domain names and SSL certificates to their clientele.


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Largo Family Law questions/updates
Case Law & Subject Matter Jurisdiction re: Residential requirementby Jerome Williams on 08/07/16
Hamilton v. Michieli, 954 So 2d 739 (Fla 3d DCA 2007). Where husband filed a sworn petition for dissolution of marriage in which he alleged under oath that he had been a resident of Florida for at least 6 consecutive months immediately prior to filing, and the wife filed an answer admitting jurisdiction and a counter petition, the trial court erred in granting subsequently filed motion to dismiss for lack of subject-matter jurisdiction in which husband alleged that neither party could legally remain in the United States and that he was present in the United States under a visa that was due to expire and could not be renewed. It is residency at the time of the petition that must be examined, and subsequent changes in residency are irrelevant to court's examination of subject-matter jurisdiction.


text: Booth 225 at the "Artists Project" Feb 20 -23 Posted on February 18, 2014 by Shrinking Violet Come on and check out Kelly's work at "The Artists Project" Thurs. Feb 20 to Sun Feb 23 at the Better Living Center, CNE in Toronto. The booth is just in the front door, down the main aisle to the left, 2nd. row, second booth #225. See you there!! Like this:Like Loading... Related


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Gift Aid is reclaimed by the Community Amateur Sports Club (CASC) from the tax you pay for the current tax year. Your address is needed to identify you as a current UK taxpayer.
I am a UK taxpayer and understand that if I pay less Income Tax and/or Capital Gains Tax in the current tax year than the amount of Gift Aid claimed on all my donations it is my responsibility to pay any difference.
If you pay Income Tax at the higher or additional rate and want to receive the additional tax relief due to you, you must include all your Gift Aid donations on your Self-Assessment tax return or ask HM Revenue and Customs to adjust your tax code.
Klubfunder.com is licensed and regulated by the Gambling Commission for GB customers (licence no 000-043122-R-322678-001)
Klubfunder / Stiona Software, Office Suite 4, Ormeau House
91-97 Ormeau Road, Belfast, BT7 1SH
Klubfunder helps sports clubs raise funds, save money and reduce administration.
Its the essesential fundraising toolkit for clubs, schools and organisations


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We are very passionate about the wearing of CUSTOM FITTED mouthguards in any sport where deliberate or accidental impacts to the face and jaw may cause harm. A critical part of preventing a dental injury is the provision of an accurately fitted, customised mouthguard.
Dr Lipworth supports twelve local community sporting clubs by offering the members custom fitted mouthguards at a significantly reduced fee.
Do you participate in any of the sports listed below?
- football (all codes)
- hockey (field, ice and inline)
- basketball
- netball
- baseball
- softball
- T-ball
- squash
- martial arts (karate, judo, taekwondo, etc.)
- boxing
- ice skating
- roller blading
If you do, you should wear a mouthguard.
One of our young patients protecting her teeth with a custom-fitted mouthguard.
One of our young patients protecting her teeth with a custom-fitted mouthguard.
Frequently Asked Questions about Mouthguards
What protection does a mouthguard offer?
Mouthguards fit over all the upper jaw teeth. Mouthguards cushion a blow to the face or jaws significantly reducing the risk of broken teeth, fractures of the jaw bones, concussion and soft-tissue injuries.
A properly fitted mouthguard will stay in place while you are wearing it, making it easy for you to talk and breathe.
I have orthodontic braces on. Can I have a custom fitted mouthguard?
Yes! We make your mouthguard to fit over your braces. It's very important to have a custom fitted mouthguard to protect the soft tissue inside your mouth from the orthodontic wires and brackets.
How is a mouthguard made?
Custom-fitted mouthguards are made by dentists. A mouthguard is made on a model made from impressions of your teeth. They do cost more than shop bought mouthguards, but because they are customized they provide a much better fit and much greater protection. There are a variety of custom-fitted mouthguards available, designed specifically for each particular sport or activity.
How many appointments are required to get a mouthguard?
While some dentists make only one appointment, to take the impression for the mouthguard, with the finished mouthguard simply being handed to the player, we make a second appointment at which the mouthguard is adjusted in the player's mouth. At this appointment, the mouthguard is adjusted to precisely fit against the lower teeth as well, to ensure the optimal comfort and protection from the mouthguard.
How long does it take to get my custom fitted mouthguard?
Our custom fitted mouthguards are made on our premises, which allows for a faster turn around time for the fitting appointment. We can usually have your mouthguard ready within a day or two of the impression appointment. During the lead up to the winter season, turn around will be at least a week.
What colours are available?
Custom fitted mouthguards are available in a range of colours and we can make your mouthguard in two colours of your choice (at a small additional fee). Your mouthguard also comes with a protective case.
Do the mouthguards have player's identification details?
All mouthguards we make are double-laminated (some are even triple-laminated) which enables us to embed lables in your mouthguard, with your name and phone number securely sandwiched between the coloured layer and the outer, clear layer.
How does one take care of a mouthguard?
- Clean your mouthguard every time you use it by washing it with soap and warm (never hot) water.
- At least once a month, soak your mouthguard in denture-cleaning solution.
- Don't bend your mouthguard when storing.
- Protect the mouthguard from high temperatures – such as hot water, hot surfaces, or direct sunlight – to minimize distorting its shape.
- Occasionally check the mouthguard for general wear. If you find holes or tears in it or if it becomes loose or causes discomfort, it needs to be replaced.
- Never try to adjust the mouthguard yourself.
- Bring the mouthguard to each regularly scheduled dental visit to have your dentist check it.


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Aarhus 2017 and All That Surrounds It
This year Aarhus (2nd largest city in Denmark) is European Capital of Culture (a title shared with Pafos in Cyprus) under the headline "RETHINK".
After a year of numerous terror strikes and political unrest, all challenging a unified Europe, the theme seems evident. The initiative of yearly changing European capitals of culture stems from the wish to foster and create cultural exchange within Europe – the idea that we are stronger together. In a time of political division, what better to unite us than culture?
Aarhus 2017 offers cultural exchange between Aarhus and the world as well as engaging local municipalities and forces within the region, without whom it would not be possible. Moreover, 2017 is the year where focus shifts away from the Danish capital and the large institutions of the capital area, like Louisiana Museum of Modern Art, towards not only the fine city of Aarhus, but the many great towns, nature sights and museums that surround it.
This is where Denmark benefits from its small size; if one should find themselves in Aarhus this year it's easy to visit all that the region has to offer.
During the last decade, multiple high-profiled museums in the region has in one way or another been given a make-over, which has been awarded with great publicity and international recognition. Not surprisingly, most of this attention is based on architecturally interesting new museum buildings. Last year marked the re-opening of KUNSTEN in Aalborg, built in marble by famous Finnish architect Alvar Aalto in 1972.
Olafur Eliasson's rainbow-colored rotunda, Your Rainbow Panorama, on the rooftop of the ARoS Museum of Modern Art in the heart of Aarhus, finished in 2011, is now a city landmark and has been the object of affection of thousands of selfie-lovers. ARoS is of high calibre and can easily compete with international museums of modern art, with exhibitions showcasing world-renowned artist from Robert Mapplethorpe to Monet and an upcoming exhibition with Francis Bacon and Lucian Freud (opening October 2017). Boy, a 4.5 metres tall life-like installation by Australian artist Ron Mueck, is what put ARoS on the international art map and can still be found in the Museum foyer. The big cube shaped building entails a so-called "museum street" that allows the city's inhabitants to enjoy part of the collection admission free, thus providing a unique city-museum relation.
This is also the case with the Moesgaard Museum, located on the outskirts of Aarhus, which also bears the more international name MOMU. The museum, designed by Danish Henning Larsen Architects, opened its doors in 2014 and has been praised for its architecture that has provided locals with a new public space. With its beautiful surroundings, overlooking the Aarhus Bay, the grass covered roof serves as an ideal picnic spot, as well as a sledding spot during winter.
The MOMU consists of permanent archaeological – and ethnographic collections as well as a special exhibition. Leading to the ethnographic exhibitions is the Origin Staircase that greets visitors with anatomically precise reconstructions of human species:
An Australian aborigine, Stephen Hawking, the internationally acclaimed British physicist, and a Siberian female shaman – each offering their very diverse estimates of where we as humans come from and where we are going. From moesgaardmuseum.dk
During this summer, the roof of the MOMU will also be the centre stage for Røde Orm (Red Worm) a Viking saga that will be one of the biggest outdoor performances ever staged in Denmark. The performance play is based on the novel The Long Ships, by Frans G. Bengtsson, and is staged in collaboration with The Danish Royal Theatre and Aarhus 2017.
HEART-Core Art
In 1961 the Italian artist Piero Manzoni paid a visit to Herning, a municipality adjacent to Aarhus, where he created the masterpiece Socle du Monde (the Earth's Socket) making the Earth into a giant piece of art. The conceptual artist best known for his work Merda d'artista (yes indeed, the artist's shit) died a few years later, but his artwork in Herning remains. In relation to Aarhus 2017, the HEART Museum of Modern Art in Herning will be celebrating Piero Manzoni and his Socle du Monde with a show of the same name. HEART has brought together a tour de force of curators who has been collecting chosen pieces from more than 60 artists among which are prominent avant-garde artist such as Yves Klein (FR), Lucio Fontana (I), Wim Delvoye (BE) and Yaoi Kusama (JA). The latter starred in a major retrospective at the Louisiana of Modern Art last year; a huge success that welcomed more than 340.000 guests. The Socle du Monde exhibition is based on an artwork birthed from cultural exchange between an eccentric Italian and an old Danish borough, now inviting artists from all over the old to shed a new light on universal principals:
It composes a narrative that binds the simple concepts of identity, spirit, light, body, faeces, space, time, birth, and earth, which comprise the Manzoni cosmology and creates a complex environment of historical and avant-garde approaches. From aarhus2017.dk
The Socle du Monde is showing at HEART from 21st April – 28th August.
Seven Deadly Sins
Gluttony, Pride, Lust, Sloth, Envy, Anger, and Greed; Seven Deadly Sins as described since early Christian times that has inspired great works such as Dante's The Divine Comedy.
The Seven Deadly Sins is being thematised and redefined by different artists in seven different large-scale museums in the region during Aarhus 2017. Though based on a common European cultural heritage the Seven Deadly Sins Project is not based on religion, but is instead confronting the contemporary values of Western society. American artist Barbara Kruger, best known for her graphic collages displaying text that addresses problematic cultural constructions, is rethinking consumerism with the theme Greed at Museum of Religious Art in Lemvig:
Kruger's use of the visual language of graphic texts, photography, pictures and the direct address tactics of advertising offers a critical reflection on cultural and social identity, and on how they are formed and demonstrated through consumption. From aarhus2017.dk
At Randers Art Museum the sin of Lust is being interpreted by Danish sculptor Christian Lemmerz and American conceptual artist Jenny Holzer. What happens when lust elevates from being a natural precondition of desire that concerns most animals, including humans, to being a dangerous sexual obsession. Holzer and Lemmerz focuses on Lust as something that can lead to murder, assault, rape and bestiality.
The Seven Deadly Sins project will continuously feature events including a European youth exchange of performance artist, each interpreting a deadly sin in relation to their own cultural identity.
Come together coast to coast
Aarhus 2017 is not limited to museums and institutions, but is also filtering into everyday life.
The Austrian Sound Artist, Andreas Bosshard, is coming to Aarhus with his work SonicArk, but it will be the city itself that provides its sounds: from January till mid-March, bus drivers all over Aarhus will be playing the echoes of bells that ring every time a new-born is welcomed to the world at the local hospital. They will open their windows so that the sounds can intertwine with the soundscape of the city.
And how does the forest sound like? As a part of the sound-project 'OverHEARD', Estonian artist Birgit Õigus has made three gigantic wooden installations in the shapes of megaphones and placed them in the midst of the forest of Silkeborg (an hour drive from Aarhus). The megaphones ensnare people to climb inside and enjoy the acoustic space that magnifies the sounds that surround them.
Aarhus 2017 seems to have as goal to transcend the number one impediment for the arts, namely that of it being perceived as something elitist. A way of accommodating this issue is to transfer art out of the white cubes in big cities, which is what the all year-round project, Coast to Coast, is all about.
Acclaimed Scottish artist, Nathan Coley, has created a series of illuminated text works all displaying the words THE SAME FOR EVERYONE. Coley found his inspiration when he visited 'Friland' in Central Jutland, where he came across a sign reading "Same for all" and the works seek to bring our attention to the treasured Danish value of equality for all:
"The sentence, the words in themselves are not the focus of the work, and the sites will of course always be there. It is in the space where the words and their surroundings meet that magic happens." Nathan Coley on aarhus2017.dk
The purpose of the European Capital of Culture is to strengthen the understanding of our differences as well as the things that unites us in order to provide Europeans with a feeling of European citizenship. Aarhus 2017 is relying on the help from the regions 19 municipalities and thousands of volunteers. It connects its citizens with each other and together they accommodate the rest of the world and everyone is invited.
It would be almost impossible to cover all exhibitions, concerts and events, but rest assured – there is not a dull moment during Aarhus 2017.
Fore more information, go to aarhus2017.dk


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Dual-Degree Programs
In today's business world, advanced degrees carry an ever-greater advantage in helping graduates distinguish themselves in the eyes of potential employers. Certain self-directed, academically capable students can complete their Fordham education through the master's level in business in five years. There is also a dual-degree program that allows the completion of a law degree in six years. Information on both options is below.
Dual-degree participants in business fields choose a B.S./M.B.A. or B.S./M.S. track, and, within each, select specific majors and concentrations. Students might concentrate both degrees in one field—a B.S. in marketing and an M.B.A. in marketing, for example—or two different ones, such as a B.S. in finance with an M.B.A. in management. Dual-degree participants in law pursue the B.S. degree of their choosing at the Gabelli School and then earn a J.D. through Fordham Law School.
Specific requirements and offerings of the dual-degree programs change often. For that reason, interested students are encouraged to visit the Gabelli School website for the most up-to-date information.
B.S./M.B.A. Program
To apply for admission to the B.S./M.B.A program, students must meet all the requirements and deadlines associated with the program, which can be found in the Dual-Degree Programs section of the Gabelli School web site. Students must apply prior to completing their B.S. degree.
Undergraduate degree options include a B.S. in:
- Accounting Information Systems
- Applied Accounting and Finance
- Business Administration
- Finance
- Global Business
- Information Systems
- Public Accounting
Graduate degree options include an M.B.A. in:
- Accounting
- Communication and Media Management
- Finance
- Information Systems
- Management
- Marketing
B.S./M.S. Program
Options for the undergraduate degree include a B.S. in applied accounting and finance, accounting information systems, or public accounting. Options for the graduate degree include an M.S. in accounting or an M.S. in tax. For more information, please visit the Dual-Degree Programs section of the Gabelli School website.
B.S./J.D .Program
This six-year dual-degree program, known as the "3-3 program," enables students to complete an undergraduate degree at the Gabelli School and a law degree at Fordham Law School within a total of six years. Participants study at the Gabelli School for three years and then move on to the law school. The B.S. is awarded in the fourth year, following the completion of the first year of law school. To participate, students must:
- Complete all core and major requirements and at least 92 credits before beginning law school.
- Maintain a superior grade point average, including transfer credits.
- Have a very strong LSAT score. It is preferable that the LSAT scores be available by December of the academic year in which the application is made.
Students who meet these criteria will be eligible to apply to Fordham Law School during their junior year. Interested students should meet with their academic advisers early on to make sure they complete all necessary undergraduate courses and credits. The program may be successfully pursued without advanced placement courses; however, advance coursework will give students greater flexibility to take electives.
Students who intend to participate in the 3-3 program must have an interview with the Gabelli School pre-law adviser who will select candidates to forward to the admissions office at Fordham Law. Admission is not guaranteed and is very competitive. Students must meet Fordham Law's admissions criteria, which can vary from year to year.


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In this Issue...
The annual Summer Field Day will be held in Merrickville, Ontario on Sunday, July 25, and not on the 18th as originally planned. An interesting program has been planned by the Survey Group.
Here's your chance to participate in the first site confirmation checks for Inventree. A demonstration of how a site should be checked will be given. We will then divide into several groups, and each will go to its own nearby site (within walking distance). Demonstrators have been chosen for the groups, and will be prepared to lead them in documenting the site. The Survey Group looks forward to your critique of the Inventree procedures, and hopes to upgrade the system based on your comments. Inventree is concerned with the cataloguing of naturally occurring and rare nut trees to provide a genetic pool of seeds to be used in replantings, improvement of varieties through selection, and re-introduction of species to areas that have lost a viable population due to overcutting.
The rendezvous point will be the Rideau Canal Blockhouse at 11:00 AM. Bring your lunch - BBQ facilities will be provided. Come join us for an afternoon outdoors.
The Annual General Meeting of the Society of Ontario Nut Growers will be held on Saturday July 31 in Niagara-on-the-Lake, Ontario. Should you happen to be in that region, it is well worth a visit. For more information contact a member of the Ottawa Area Chapter.
The Annual Meeting of the Northern Nut Growers Association (NNGA - est. 1910) will be held this year at Ohio State College, in the town of Paynesville, Ohio, August 1-4, 1982. A full series of lectures, seminars, and demonstrations will be available, covering all aspects of nut trees. Paynesville is about 300 km on Interstate highways from Niagara Falls, on Lake Ontario.
Honey Locust
The Honey Locust, a relative of the Black Locust can provide a sweet, natural treat. After the sweet scented flowers have dropped, pea-like pods form and hang from the branches. When quite small (3-6 inches) these can be picked and dried in the sun until the pods are black or dark brown and then can be stored. They can be chewed like sugar cane. My grandmother bought them quite often as a child in Britain, she says they are good, sweet and crunchy. The pods should be gathered before the seeds start forming, after that they lose their sweetness. Watch out for the thorns on locusts, they can give you a good jab.
The Baxter Nut Grove
Following discussions with the Rideau Valley Conservation Authority during the winter of 1977/78, the Authority set aside a five acre site at the Baxter Conservation Area with the promise of assistance from the Ottawa Chapter of SONG in planning and establishing a nut tree plantation. During the summer and fall of 1978 the Conservation Authority cleared and cultivated the site while the Ottawa Chapter established a Task Force to prepare a plan, and program of planting.
The objective of the Baxter Nut Grove is to serve as a demonstration project on nut growing in the Ottawa area as well as promote an awareness of and appreciation for the value of nut trees as ornamentals, timber producers and as a source of food for both humans and wildlife. Consequently, the Baxter Nut Grove is neither a formal arboretum or simply a nut tree orchard but rather something in between and part of both.
In the spring of 1979 seedlings were planted in a temporary nursery area, of several species donated from several local sources including the Central Research Forest. Formal planting to a plan developed by the Task Force was carried out in May of 1981 and 1982 of selected stock from the temporary nursery and additional seedlings and young trees from different sources including gifts from individuals.
The plan includes planting areas for twelve nut bearing families; Pines, ginkgos, Beeches, Oaks, Chestnuts, Hackberries, Walnuts, Hazels, Hickories, Locusts, Coffee Tree and Northern Pecan. To date a total of 77 species/varieties have been planted in all areas except the ginkgos. Several areas, however, are short some varieties including many listed in the Appendix to the minutes of the 4th Annual Meeting of 20 March, 1982. Many of the plantings have seen at least one winter and the survival rate appears very high - over 90%.
The plan for the Baxter Nut Grove includes a small nursery area for experimental work by SONG members interested in growing new or additional species/varieties of nut bearing trees.
Hazelnut Cookery
This issue's recipes are taken from "Edible Wild Fruits and Nuts of Canada" (Turner & Szczawinski, National Museum of Natural Sciences).
Hazelnut Cookies
125 ml ½ cup butter 125 ml ½ cup sugar 250 ml 1 cup ground roasted hazelnuts 250 ml 1 cup flour 1 egg yolk 2 ml ½ tsp vanilla 2-3 dozen whole hazelnuts
Cream butter until smooth, then gradually add sugar. Mix in remaining ingredients except whole nuts, and knead until well mixed. Form into small balls and press a hazelnut on top. Brush with egg white and bake on greased cookie sheet 10-15 min. at 160C/325°F. Makes 2-3 dozen, depending on size.
Hazelnut Soup
500 ml 2 cup ground unroasted hazelnuts 1 l 4 cup beef or chicken broth 1 medium onion, diced 25 ml 1½ Tbsp chopped parsley salt and pepperMix together all ingredients in a large saucepan, bring to a boil, then simmer gently, stirring occasionally, for 1 hour. Serve hot. This is a rich soup; only small servings are necessary. Serves 4-6.
Roasted Hazelnuts
Coat lightly with cooking oil, salt lightly if desired, and roast about ½ hour in 180C/350°F oven, until crisp and lightly browned. Use in any recipe that calls for nuts, especially filberts. Roasted nuts should be stored in a cool place. Green nuts do not keep if shelled, they should be refrigerated or used immediately. When gathering nuts, store in cool dry place to season and mature. It is apparently easier to remove the outer shell sheath and to crack the nut shell inside when the nuts have had a chance to mature and dry.
Silviculture Group
The Silviculture Group met at the home of Alec Jones. Mark Schaefer was not able to attend, meeting was chaired by Alec Jones. It was agreed to send minutes of the meeting to Moe Anderson and Mark Schaefer.
The suggested duties of the group have heretofore included the topics of timber, uses for wood, reforestation, street plantings in cities, orchard, and similar uses. A question was raised concerning the name of the group, if actually appropriate. Suggested duties for the group were the study of pruning, planting, thinning and grafting, as well as methods of protection. During discussion, B. Scally mentioned that there might be a deficiency of information concerning real- life problems that might be encountered, especially predators.
The following suggestions and topics were discussed during the evening meeting
Provided by ECSONG. Feel free to copy with a credit.


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Tomorrow morning (at 8 a.m. sweet Jesus) is my first committee meeting.
Basically we review a bunch of proposals from people who want their art programs funded.
Some are really cool.
So far I've learned about 3 awesome artists that may get to have their work exhibited here next year. The three that I found most interesting are Laylah Ali, Michael Minelli, and Stephen Talasnik. All very different. Michael Minelli was actually commissioned by the Wexner center at OSU in 2006; he did a piece called "Shiny" for them.
It could be really interesting to have input into what events come to the university.


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We discuss the recent history and latest developments of the electron cyclotron emission imaging diagnostic technique, wherein electron temperature is measured in magnetically confined plasmas with two-dimensional spatial resolution. The key enabling technologies for this technique are the large-aperture optical systems and the linear detector arrays sensitive to millimeter-wavelength radiation. We present the status and recent progress on existing instruments as well as new systems under development for future experiments. We also discuss data analysis techniques relevant to plasma imaging diagnostics and present recent temperature fluctuation results from the tokamak experiment for technology oriented research (TEXTOR).
© 2010 Optical Society of AmericaFull Article | PDF Article
OSA Recommended Articles
P. Lee, N. C. Luhmann, H. Park, W. A. Peebles, R. J. Taylor, and C. X. Yu
Appl. Opt. 21(10) 1738-1744 (1982)
Norton Bretz
Appl. Opt. 13(5) 1134-1140 (1974)
D. I. Naydenkova, V. Weinzettl, J. Stockel, and J. Matějíček
Appl. Opt. 53(34) 8123-8130 (2014)


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Beta Gamma Sigma seeking top Penn State Smeal students to join
Beta Gamma Sigma, the international honor society that recognizes business excellence, will email invitations this week to high-achieving upperclassmen in the Penn State Smeal College of Business.
Qualifying juniors and seniors should be checking their inboxes. Formal printed invitations will be mailed to students and parents in the near future.
"BGS is a way to qualify my academic performance, even after leaving college. It also presented itself as a way to connect with a network of high achievers, and I heard that employers often look for it in prestigious jobs," said senior risk management major Kaitlyn Maglietto, the appointed vice president of the Penn State chapter.
"I highly recommend joining and taking advantage of your membership. The student vice president (my current role) changes each year, and has the opportunity to attend the Global Leadership Summit. There are also scholarships available for other members as well. We also have a food drive in April, and it's a great opportunity to give back."
The Epsilon Chapter of Beta Gamma Sigma at Smeal was established in 1957. Only the top 10 percent of the senior class and the top seven percent of the junior class are eligible for an invitation to join. Department chairs and parents are informed of a student's accomplishment.
Charles H. Whiteman, the John and Becky Surma Dean of Smeal, is the chairman of Beta Gamma Sigma.
The benefits to joining Beta Gamma Sigma include lifelong recognition and membership in an international organization of business professionals, a career resource center, an active alumni network and a scholarship program.
"I've been able to use the BGS job posting boards, and will be attending the Global Leadership Summit in November. I'm very excited about the opportunity to learn more about leadership and ethics, while networking with other students and recruiters. BGS has served as a way to relate to recruiters who are also members, and stand out at career fairs," Maglietto said.
"A great deal of our business careers depends on networking — and BGS is a prestigious way to do exactly that. It's an opportunity to distinguish yourself with academic honors after you graduate, while connecting with a unique network of professionals. BGS also provides great graduate school resources, including application and testing discounts, scholarships, test prep, and fairs."
Invitees can learn more about the organization and submit their application at 6 p.m. Nov. 1 in Room 217 Business Building. The application deadline is Nov. 10 for those who want to receive their certificate at the Dec. 4 banquet and induction ceremony. Nov. 28 is the final application deadline.


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BIODIESEL L.T.D. operates in biodiesel production and trading.
The products resulting from production process are:
Biodiesel is a transesterification product of primary vegetable oil, from oil seeds such as rapeseeds, soybeans and sunflower seeds, or from secondary oils – used cooking oils.
Biodiesel is produced in accordance with the requirements of Standard Specification ELOT EN 14103 and is delivered to the oil refineries where is mixed with petroleum diesel in accordance to EU directives.
Crude Glycerine, and the by-products (fatty acids) resulting from sewage treatment are exported to foreign countries.
The annual capacity is 24.000ML, and is set to rise to 40.000ML by 2012.
Our company has obtained the System Certificate of Conformity for the quality ELOT EN ISO 9001:2000 and has successfully completed registration of its products in compliance with the requirements of e.u. R.E.A.C.H. Regulations.


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Our Program: Massage Therapist
Core Training
The field of Massage Therapy is vast. There are many
techniques and styles of body work that a student may learn. Knowledge
of the human body; its muscles, bones, and potential problems
can be studied for years. Massage Therapist Core Training
is designed to teach students what they need to know to produce
outstanding results in the field of body work in a relatively
short period of time. There are 3 key focal points in
the training: the science of functional anatomy and pathology,
the art of delivering the finest work to clients; and professional
and ethical excellence. From this foundation students
will be well prepared to pursue careers in a variety of settings
from spas, to medical clinics, private practice, cruise ships
and perhaps even teaching bodywork.
As the founders of Acadia School of Massage, we have designed
massage therapist core training to reflect our passion for
excellence in body work. Through our experience in developing
and running the highly successful Tree of Life Day Spa we have
come to understand the needs of the massage and spa industry
first hand. We have spent considerable time training
employees to perform what should be fundamental skills of the
massage therapist. The Massage Therapist Core Training
program is a systematic approach to training massage professionals. It
differs from other massage therapy training programs in that
it gives the student a competitive advantage by being able
to perform fantastic body work upon graduation. The program
achieves this result by leaving out "the fluff" (course
work that acts as filler) and emphasizing the quality of touch
so lacking for many massage therapists. All of our instructors
are trained to provide the quality of education that we insist
The Massage Therapist Core Training is offered as a six month program comprising 600 hours.
Program classes are held Monday through Friday from 9 AM to 1 PM allowing the student to maintain a job or other prior obligations. The program runs from Late October to late April.
Each program includes hands-on time in our student clinic. Student clinic begins in late November. Clinic hours are one afternoon per week; either Sunday, Monday or Tuesday from 1 PM to 6 PM.
Curriculum overview
Participating in Massage Therapist Core Training requires
a commitment to studying and practicing the theory and technique
of the profession both in and out of class.
Instructors demonstrate techniques on willing participants
for the class to observe. Students have ample time during
class to practice massage techniques on each other. At
no time is any student required to receive bodywork from another
student or instructor if they are not comfortable with it. Having
received at least one professional massage prior to entering
the program will give new students an idea of what to expect
during class.
Acadia School of Massage
108 Cottage Street • Bar Harbor, ME 04609
• firstname.lastname@example.com