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In one of the most interesting moments in scripture, Jesus turns the tables on his crew and asks them one pointed question: WHO DO YOU SAY THAT I AM?
Before Jesus asked this specific question he asked a broader question, "WHO DO PEOPLE SAY THAT I AM?"
Today, I'm wondering who do you say that Jesus is? We are in the midst of a journey at our church called BRAVE FACE / GAME FACE. We've spent the last two weeks looking at the factors that shape and change who we are. We first looked at the voices that are shaping our identity, next we started talking about the pieces of ourselves that we have left dormant, the dreams we have let lapse, the moral standards that we have let fall all in an effort to keep that BRAVE FACE on... to show everyone that we are ok... before we get too far down that road you can catch up on the collection of talks RIGHT HERE.
Sometimes I think we forget who we are following. The whole goal of our lives is to be in a relationship with Jesus, and I believe that works best when we are committed to following Jesus one step at a time. We move at his rhythm and pace. We stay close and take on his mannerisms. We just follow Jesus. But let's not forget who we are following.
I love the first verse of Joshua 5 because I think sometimes we forget that we aren't the only ones who notice that Jesus is at work in our lives. Sometimes we are so close to the miraculous moments, sometimes they become almost routine that we lose perspective of who Jesus is and what He is doing in our lives. A slight change of perspective and all of a sudden we are filled with awe and wonder.
How we view Jesus actually says a whole lot about how we view ourselves. I wanted to drop an overwhelming list of WHO YOU ARE IN CHRIST... all credit to Joyce Meyer and her team for compiling and formatting this list!
I am complete in Him Who is the Head of all principality and power (Colossians 2:10).
I am alive with Christ (Ephesians 2:5).
I am free from the law of sin and death (Romans 8:2).
I am far from oppression, and fear does not come near me (Isaiah 54:14).
I am born of God, and the evil one does not touch me (1 John 5:18).
I am holy and without blame before Him in love (Ephesians 1:4; 1 Peter 1:16).
I have the mind of Christ (1 Corinthians 2:16; Philippians 2:5).
I have the peace of God that passes all understanding (Philippians 4:7).
I have the Greater One living in me; greater is He Who is in me than he who is in the world (1 John 4:4).
I have received the gift of righteousness and reign as a king in life by Jesus Christ (Romans 5:17).
I have received the spirit of wisdom and revelation in the knowledge of Jesus, the eyes of my understanding being enlightened (Ephesians 1:17-18).
I have received the power of the Holy Spirit to lay hands on the sick and see them recover, to cast out demons, to speak with new tongues. I have power over all the power of the enemy, and nothing shall by any means harm me (Mark 16:17-18; Luke 10:17-19).
I have put off the old man and have put on the new man, which is renewed in the knowledge after the image of Him Who created me (Colossians 3:9-10).
I have given, and it is given to me; good measure, pressed down, shaken together, and running over, men give into my bosom (Luke 6:38).
I have no lack for my God supplies all of my need according to His riches in glory by Christ Jesus (Philippians 4:19).
I can quench all the fiery darts of the wicked one with my shield of faith (Ephesians 6:16).
I can do all things through Christ Jesus (Philippians 4:13).
I show forth the praises of God Who has called me out of darkness into His marvelous light (1 Peter 2:9).
I am God's child for I am born again of the incorruptible seed of the Word of God, which lives and abides forever (1 Peter 1:23).
I am God's workmanship, created in Christ unto good works (Ephesians 2:10).
I am a new creature in Christ (2 Corinthians 5:17).
I am a spirit being alive to God (Romans 6:11; Thessalonians 5:23).
I am a believer, and the light of the Gospel shines in my mind (2 Corinthians 4:4).
I am a doer of the Word and blessed in my actions (James 1:22,25).
I am a joint-heir with Christ (Romans 8:17).
I am more than a conqueror through Him Who loves me (Romans 8:37).
I am an overcomer by the blood of the Lamb and the word of my testimony (Revelation 12:11).
I am a partaker of His divine nature (2 Peter 1:3-4).
I am an ambassador for Christ (2 Corinthians 5:20).
I am part of a chosen generation, a royal priesthood, a holy nation, a purchased people (1 Peter 2:9).
I am the righteousness of God in Jesus Christ (2 Corinthians 5:21).
I am the temple of the Holy Spirit; I am not my own (1 Corinthians 6:19).
I am the head and not the tail; I am above only and not beneath (Deuteronomy 28:13).
I am the light of the world (Matthew 5:14).
I am His elect, full of mercy, kindness, humility, and long suffering (Romans 8:33; Colossians 3:12).
I am forgiven of all my sins and washed in the Blood (Ephesians 1:7).
I am delivered from the power of darkness and translated into God's kingdom (Colossians 1:13).
I am redeemed from the curse of sin, sickness, and poverty (Deuteronomy 28:15-68; Galatians 3:13).
I am firmly rooted, built up, established in my faith and overflowing with gratitude (Colossians 2:7).
I am called of God to be the voice of His praise (Psalm 66:8; 2 Timothy 1:9).
I am healed by the stripes of Jesus (Isaiah 53:5; 1 Peter 2:24).
I am raised up with Christ and seated in heavenly places (Ephesians 2:6; Colossians 2:12).
I am greatly loved by God (Romans 1:7; Ephesians 2:4; Colossians 3:12; 1 Thessalonians 1:4).
I am strengthened with all might according to His glorious power (Colossians 1:11).
I am submitted to God, and the devil flees from me because I resist him in the Name of Jesus (James 4:7).
I press on toward the goal to win the prize to which God in Christ Jesus is calling us upward (Philippians 3:14).
For God has not given us a spirit of fear; but of power, love, and a sound mind (2 Timothy 1:7).
It is not I who live, but Christ lives in me (Galatians 2:20).
Brett Esslinger is a Husband, Dad, Son, Brother, Pastor, Speaker, Leader, Writer whose life goal is to help people unlock their potential and fulfill their life's purpose.
Brett is the founder of Engage City Church & the Author of Hope Not Hype


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Consumer Reports Article Shows Link Between Heater-Cooler Devices, Dangerous Nontuberculous Mycobacteria
Consumer Reports recently ran an article highlighting the link between heater-cooler devices used...READ MORE
Heater-cooler units are critically important during invasive surgical procedures because they maintain a safe body temperature for the body and vital organs. In addition to keeping the body warm, they keep blood circulating through the body properly. About 250,000 surgeries are performed in the U.S. every year, and approximately 60% of them involve the use of a heater-cooler device.
One of the most popular is the Stockert 3T Heater Cooler System, manufactured by the German company LivaNova PLC, which was formerly known as Sorin Group Deutschland GmbH. LivaNova issued a heater-cooler recall for the Stockert 3T in July 2015 due to a risk of contamination if proper disinfection maintenance procedures are not performed per the manufacturer's instructions.
The heater-cooler device stores water in a tank, and the water is kept at a particular temperature in order to heat or cool a patient's blood or body as necessary. Many nontuberculous mycobacteria lawsuit plaintiffs, however, are alleging that the water in the device's reservoir can become contaminated and spray into the air (aerosolize). A severe – possibly even fatal – infection can result. Patients who have experienced these complications are encouraged seek legal counsel to determine their eligibility to file a Heater Cooler infection lawsuit.
The nontuberculous mycobacterium is relatively harmless most of the time. But if it invades the body of someone with a weakened immune system – such as someone who has just undergone an invasive surgical procedure – major problems can occur.
Even worse, the damage can take months or even years to manifest. The infection itself can be difficult to detect because symptoms often resemble more benign conditions. These symptoms include:
Treatment of an infection requires the use of powerful antibiotics because other types of antibiotics that are routinely used are not effective. It can also involve further surgery to remove infected implants (such as heart valves) or tissue, leading to added suffering as well as major medical expenses.
The problem of nontuberculous mycobacteria has caught the attention of both the Centers for Disease Control (CDC) as well as the U.S. Food and Drug Administration (FDA). Both agencies issued reports on the link between the bacterium and heater-cooler devices on October 14, 2016.
The CDC reported that while thousands of patients had been notified that they could be at risk of infections due to contaminated heater-cooler devices, the number who may have been exposed could be much larger. On the same day, the FDA issued a Safety Communication advising healthcare providers on ways to help reduce the spread of infections linked to the device.
According to an October 13, 2016 article in The Washington Post, about 15,000 patients in Iowa, Michigan and Pennsylvania have been notified they may be at risk for an infection due to an allegedly contaminated heater-cooler unit. All of these patients underwent some sort of procedure that involved opening the chest. So far, 12 patients in one Pennsylvania hospital have developed infections that, the newspaper reported, were "most likely linked" to contaminated devices. Six of them died. LivaNova, according to the FDA, has received complaints regarding nontuberculous mycobacteria complications dating back to 2014.
Heater-cooler devices are used during cardiothoracic, or chest, heart, and lung surgery. They are almost always used in most types of open-heart surgical procedures. These include:
So far, the CDC and FDA have only mentioned infections affecting people who have undergone cardiothoracic, chest, heart, and open-heart surgery. Patients who have had lung surgery, chest operations, lung resection surgery, a lung transplant, or a procedure involving the aorta are also at risk of exposure to NTM bacteria contamination.
The nontuberculous mycobacterium is not typically dangerous to a healthy person. In most cases, it is naturally expelled from the lungs. However, someone who has a compromised immune system could develop respiratory inflammation that can lead to severe infections. Because of the slow-growing nature of the infection, many people don't realize they have it until it is too late.
This is because an advanced infection is hard to control, especially if it is an antibiotic resistant strain of the bacteria.
No. It cannot be spread from person to person.
While the reason is unclear, certain forms of nontuberculous mycobacteria are much more resistant than others. Patients often have to take several different types of antibiotics simultaneously in order to treat the infection. Certain forms of the bacterium are easier to treat than others, such as M. kansasii. Others such as M. abscessus, M. chelonae and M. avium are more difficult. Surgery is sometimes needed in addition to antibiotics in order to remove diseased tissue or implants that have been affected.
According to The Cleveland Clinic, azithromycin, clarithromycin and rifabutin have shown to be effective in treating early stages of nontuberculous mycobacteria infections that are not antibiotic resistant strains.
You may be able to file a wrongful death lawsuit for bacterial infection after surgery and, depending on the specific personal injury laws in your state, you may be able to also file a personal injury claim on behalf of the deceased (in Texas for example). Talk to an attorney as soon as you can to determine all of your legal options, as the terms that govern eligibility for filing a claim vary by state.
You might be able to file a nontuberculous mycobacteria lawsuit if you developed an infection after undergoing an open-heart procedure, chest, or lung surgery that involved the use of a contaminated heater-cooler device. Plaintiffs filing a lawsuit for bacterial infection after surgery are claiming that the manufacturers sold unsafe, defective products that allowed dangerous bacteria to spread in patients.
Heater-cooler lawsuit plaintiffs are making the following claims against manufacturers of the devices:
If you are interested in filing a nontuberculous mycobacteria heater cooler lawsuit, Get started online or call Baron & Budd at #. A lawyer for bacterial infection after heart surgery will let you know your options and help you put together a plan of action.
At least 500,000 patients who underwent open-heart surgery involving a "heater-cooler" device could be at risk of developing a potentially deadly nontuberculous mycobacteria infection. The reason is that thousands of surgeries were allegedly performed using contaminated heater-cooler equipment. If you have suffered complications due to this infection, you may be able to file a nontuberculous mycobacteria lawsuit. Contact an attorney with Baron & Budd to learn more about your potential legal options.
Click the button below to get started.

subset: commoncrawl


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Feds tell Hanford contractor: 'Don't spend money unless we OK it'
Bechtel National is prohibited from making many large purchases at the Hanford vitrification plant without case-by-case Department of Energy approval after concerns were raised in an audit.
The audit covered all Bechtel National work, which extends beyond the $17 billion Hanford plant under construction to other DOE work at Oak Ridge, Tenn., and Pantex, Texas, and at chemical weapon destruction projects in Colorado and Kentucky.
At the Hanford vitrification plant, Bechtel National, or BNI, issued an internal "compliance bulletin" on July 20 titled "Disapproval of BNI Purchasing System."
The bulletin said that in the absence of a government-approved purchasing system, Bechtel needs consent from a DOE Hanford contracting officer to award contracts for the vitrification plant with a fixed price of $150,000 or more.
It also needs consent for agreements without a fixed dollar value, such as those that reimburse subcontractors using federal money based on hours of labor or their costs.
"We will continue this practice as long as the BNI purchasing system remains disapproved," DOE said in a statement Tuesday.
Bechtel said that it anticipates no impacts to its work at the vitrification plant or its other Bechtel National projects as it works to resolve remaining concerns related to a federal audit.
The Defense Contract Management Agency, under the Department of Defense, conducts periodic audits of Bechtel National and other companies spending government money. It had several findings in a February audit of Bechtel National.
"Like all government contractors, we participate in rigorous, periodic audits of our purchasing systems for government projects," said Fred deSousa, manager of public affairs for Bechtel's nuclear, security and environmental work.
"An audit this past February identified concerns with procedures for documenting purchases from subcontractors and notifying the government in a timely way, among others," he said.
In some of the subcontracts checked by auditors, paperwork was missing that was required to document that the subcontractor had not been suspended or debarred.
Some subcontract files also were missing certification from the subcontractor that federal funds would not be used for lobbying.
Other selected subcontracts didn't have complete information about how the subcontractor was selected, and the price.
In some cases Bechtel did not follow its policy of giving 24-hour notice to the government field office heading individual projects that it was awarding a subcontract.
The field office for the vitrification plant is the DOE Hanford Office of River Protection.
Bechtel updated it procedures by April, but the DOD notified Bechtel this month that it needed more information and in the meantime its subcontracting and purchasing would need additional oversight.
There was a delay in accumulating enough sample data to validate changes to Bechtel procedures to the government's satisfaction, deSousa said.
"We will be adding additional documentation to purchases and working with the government to resolve their validation concerns," deSousa said.
Bechtel National spent nearly $211 million on procurements in fiscal 2017, it reported early this year.
Of that, $126 million was spent in Washington and Oregon, including $94 million spent in the Tri-Cities.


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If you want to learn a really fun, decorative stitch then the feather stitch might be just the thing. Since you learned the CHAIN STITCH, the feather stitch will not be that big of a leap for you since it is quite similar. There are quite a few variations of the feather stitch so let's just dive right in.
Gather up a few simple supplies:
1. FABRIC: A piece of cotton or linen fabric that is large enough to overlap the wooden embroidery hoop by about 1.5-2 inches.
2. WOOD EMBROIDERY HOOP: I used a 5 inch hoop. Make sure your fabric fits nice and tightly into your hoop and that there is 1.5-2 inches overlap.
3. MARKING UTENSIL: I like using a fabric marker with vanishing ink for practicing stitches but a sharp lead pencil will work just fine.
4. THREAD: My favorite thread to use is six stranded DMC cotton thread.
5. NEEDLE: An embroidery/crewel needle that is size 8 or above.
6. SCISSORS: A small sharp pair of scissors.
Use your marking pen to draw three vertical lines spaced evenly apart. I Labeled them "1", "2", and "3".
Thread your needle. I like to divide my six stranded thread into three strands. Take one end and thread it through the eye of the needle and knot the other end. Bring your needle up from the back of the hoop at the top of the middle line, in this case line "2".
Bring your needle back down at the top of line "1" which is directly to the left from where you brought the needle up at line 2. Just like with the CHAIN STITCH, do not pull the needle all the way through, leaving a little loop.
If you have been stitching along, I'll bet your fingers can already tell where the next stitch should go. Once you get going it gets easier.
There are a lot of variations of the feather stitch. When you start to feel comfortable with this first version, maybe you would like to try your hand at the double feather stitch. It is quite similar to the single feather stitch but you move the stitch back and forth across five lines instead of three.
Now you will be moving your stitches back over the the right in the same way.
Like with most stitching, you only realize how simple it is by actually doing it. Once you practice it a couple of times your fingers just start realizing the pattern and making the connection with your brain. I have two more variations to show you which I will post next week. in the meantime, I have added a new pattern to my shop incorporating the feather stitch. This pattern has lots of detail but all the stitches are quite easy beginner stitches.
Thanks so much for stopping by!
Hope to see you next time where I will show you two more feather stitch variations and some embellishments to add to this very sweet stitch.


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Debates and the constitution
Our morning began with a very brief conversation about the presidential debate Sunday. While we didn't go into much detail, we did watch the opening and closing questions, both of which were somewhat unexpected, less-political questions asking about the candidates as people and role-models. We noticed the difference between the town-hall style debate and the first debate in which questions were only asked by the moderator. The idea of democracy, of people having power, is a big theme this semester for us. We spent some time time journaling afterwards on our previous knowledge or assumptions about the Constitution (written on the wall behind the candidates at the debate) and our ideas about who should have power in our country.
Heidi and Soleil were ready to present about their flags of choice today. Heidi presented on the American and Indian flags, biting that one is more political/territory based, the other is more spiritual. Soleil went into detail about how the Gay Pride flag follows most of the design principals if a well-designed flag.
Most of us aren't quite sure what the Constitution is, but we will explore a role playing game to help us understand it soon. A couple other ideas about what the Constitution is included:
"The rights and laws of the American people. It starts with the famous line "we the people."
"I don't know what the Constitution is. Maybe it's a book or a passage that allows freedom for all people."
After lunch, we discussed the Constitution and the creators of it. Though the authors had the best of intentions, they were not the most diverse group to write a document for all people with the unalienable rights of "life, liberty, and the pursuit of happiness." I have the kids different roles from a role-playing game about the writing of the Constitution and the Constitutional Convention. In our version, we represented a more diverse group: a farmer, and plantation owner, an enslaved African American, a shoemaker, and a banker. After reviewing our roles and understanding out situational "opinions," we learned the basic roles of parliamentary procedure and read through the burning issues we will discuss and vote on in our formal Constitutional Convention.
A plantation owner and a banker tried to convince a slave to vote to keep a form of slavery legal, but with pay and better care. After some the representatives debates and attempted compromise on the issues, they moved to propose motions, make amendments, and vote.


text: MDNA Moment #DLF #UCD To the DLF, loyalty is everything. This is the reason broken relationships often feel like 'betrayal' regardless of context. The UCD has no issues with moving on from relationships based on ideological difference regardless of loyalty. DLF, UCDEd KangApril 10, 2017Comment Facebook0 Twitter LinkedIn0 StumbleUpon Reddit Tumblr Pinterest0 0 Likes


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In the event that you already possess the wall cabinet . however, it seems too very small for towels storage, you can attempt and fold it. It is also good to place sheets with vibrant colors between. Besides it has the capability to save your towel properly, you can find the intriguing appearance from your wall cabinet with towel bar. In reality there are still a lot more you are able to explore. But still, we recommend you to accomplish the DIY project as it seems great to get call with stylesofkitchencabinetdoors kitchen cabinet door.
To find the space savers, you'll be able to take a look on monoblock single handle taps. The minimalist faucets that have top water control are easy to use yet stylish. Vessel taps were created extremely tall. All these faucets are available for above counter sink. It is thus eye-catching because of the type. The last, there's wall mounted spout that's ideal for boat or counter sinks. The height may be adjusted to a cabinet.
Single handle or 2 handles? stylesofkitchencabinetdoors kitchen cabinet door is a lot easier to install and utilize. The handle may be set while in the tap or the side of this tap. A sprayer is the part of the sink or spout. Two handle taps usually are all for cold and hot H20. The grips might be set in the baseplate or even separately. The amount of holes. Most sinks have holes such as taps. You can match with the tap with the holes from the sink. Maybe not really a very good concept to drill more holes in the sink, so and therefore you have to make sure before buying the faucets.
Get the most suitable cleaner. To wash stubborn stains, you have to prepare the proper cleaner to your own wooden dressing table. Steer clear of some abrasive cleaner for example detergent. To completely clean the stubborn spots, you're able to have water and vinegar. Mix 75% water and 25% vinegar, then then apply it into the stubborn stains and then cub it with wet towel. Use a sprayer to apply the soft and vinegar wash clothes. These will help you reach so much as the deepest portion of the dressing table. The vinegar would also be capable of clean out the sink.
This Stylesofkitchencabinetdoors Kitchen Cabinet Door the gallery form Different Cabinet Styles. Hopefully you can find the best inspiration from our gallery here.


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Here's a thought I had yesterday that should be shared while I wait for Little Nicholas to arrive: Always purchase products that call-out competitors.
What do I mean? Well, yesterday I made my once-every-14-days trip to the grocery store. One of the things I needed was some air freshener (for when it smells in my apartment due to cooking, aliens, pooing, crying, bacon, long periods of inactivity, etc.). Usually, I just buy Oust. But, recently, I saw a commercial for Lysol Neutra Air, and in the spot, it basically said, "We work better than Oust."
See, the ad could have said Neutra Air is the best or something like most commercials, but it went a step further and called-out Oust by name. I respect that. You should too. That's it. Happy Saturday.
In honor of St. Patrick's Day, I leave you with this:


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Nice – Paris SG FREE PICKS
Nice and PSG meet at Allianz Riviera, in a match for the 30 th round of the Liga 1. In the last direct match for this edition of the league, on 27-10-2017, PSG won at home by (3-0) ). The record of direct confrontations in this stadium is favorable to the visiting team, which in the last 4 matches won 3 and lost 1. But the last time they met in this stadium was on 04-30-2017, for League 1, which ended with Nice's victory by (3-1). M. Balotelli (26 '), Ricardo Pereira (48') and A. Donis (90 ') scored the goals of the match, for Nice, and Marquinhos (64'), for PSG. Attention to the house factor, since the Nice usually conquer different results at home and abroad.
After 12 wins, 6 draws and 11 losses, the home team is currently in the 7 th position, with 42 points won. In the last match, they have won in an away match against Guingamp by (2-5), after in the previous match they have won (2-1) at home, against Lille. This is a team that usually makes good use of the home advantage, stronger with the help of its supporters, since in the last 30 matches they register 3 wins, 5 draws and 7 losses in away matches; against 7 wins, 1 draw and 7 losses at their stadium. In the last 10 home matches for the championship Nice won 6, tied 1 and lost 3, so they have won 19 points out of 30 possible. They have not been very strong defensively, since they have suffered goals in 7 of the last 10 matches, but their offense has scored frequently, since they have scored goals in 8 of the last 10 matches for this competition. In 29 matches in this competition, he only managed 3 comebacks in the 15 games in which he suffered the first goal.
The Nice is going through a good time in the season and currently records two consecutive victories, both in the French championship, being the last against Guingamp, by 2-5. In this home game coach Lucien Favre must keep the team in the usual 4-3-3, benefiting the organization of his block and the successive counterattacks: in this type of transition forward Alassane Pléa is an expert, as he is very fast and I exempt in the transport of the ball towards the attack. On the other hand, Mario Balotelli is the best score of Nice, with 16 goals scored. Everything indicates that there are no important absences for this game.
The visiting team plays against the Nice a game of the 30 day that had been postponed, after 26 wins, 2 draws and 2 losses in their matches for the league until now. This is a team that usually maintains its competitive levels in home and away matches, since in the last 30 matches they register 11 wins and 4 losses in away matches, with 36 goals scored and 18 conceded; against 14 wins and 1 loss at their stadium, with 59 goals scored and 11 conceded. For the championship, PSG won 22 points out of 30 possible points, after 7 wins, 1 draw and 2 losses in the last 10 home matches. In their away league matches the most frequent result at half-time was the 0-0 (5 out of 16 matches). Their defense has been very strong, having only scored goals in 3 of the last 10 matches, and their offense has scored consistently, as they have scored at least one goal in each of the last 10 matches for this competition. In their away matches there is a tendency for goals, since 10 of the last 14 matches have ended with Over 2,5 goals. This is a team that usually scores many times first: opened the scoring in 24 of its last 30 games for League 1, of these 24 came to the break in advantage in 17 and always managed to maintain the advantage until the end of the 90 '. In 30 matches in this tournament, they have conceded the first goal 5 times, but have turned the score at 2. In the last 14 home matches for this competition there is 1 period that stands out: they have suffered 4 of their 10 goals between minutes. (76'- 90 ').
PSG comes into this game with a home win over Angers, 2-1, adding the eighth successive win in the French championship. The only defeats in the last ten matches were in the Champions League, when he lost both games against Real Madrid. In this game against Nice, coach Unai Emery must play in the usual tactical system, that is, in 4-3-3, benefiting possession of the ball and organized attacks. Nevertheless, in some moments of the game the visitors must lower the block and they will privilege the counterattacks. On an individual level we highlight the Uruguayan Edinson Cavani, with 24 goals scored in the championship. For this game the foreign trainer can not count on Thiago Motta, punished, besides Neymar and Ben Arfa, both injured.
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Voted "Best in Canada", this hotel features excellent ski-in/ski-out convenience and is ideally located next to Lara's Gondola and the Bullet Express chair. Hotel amenities include an outdoor hot tub, sauna, ski storage, the Santé Grille Restaurant & Lounge, conference facilities, and free underground parking. Rooms are spacious with a range of Standard, Kitchenette and Loft rooms available. Free wireless internet facilities are also available.
• Nightly accommodation
• Choice of room style
• Daily lift tickets
• Land transportation as required
Level of support:
Self Guided
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Disney Infinity 3.0: Thumbstick Athletes Podcast Episode 215/
We were mostly uninterested in the Disney Infinity franchise, the first iteration being straight Disney stuff. 2.0 was only slightly more interesting, though none of us are that into super heroes and thus the whole Marvel tie-in was less than convincing. When Star Wars became the focus for the newest Disney Infinity game, it became a whole different ballgame. With Dan being into the Skylanders franchise like he is, and a lover of Star Wars, it seemed like he would be the one to pick it up...but nope, it was Eric. Probably the last person our listener's would expect, but hey...we're full of surprises!
Main Segment: 00:08:20
Nibblebits: 00:27:45
Eric: Deus Ex: Mankind Divided to release February 23
Dan: Guild Wars 2 expansion launches October 23
Will: WildStar free to play starts September 29
Our Weeks: 00:36:00
Will: school
Eric: Nick Offerman's Gumption, Willie Nelson, early stages of planning for an Ireland trip
Dan: Game of Thrones, car repairs
What We Played: 00:46:20
Dan: Metal Gear Solid V: The Phantom Pain, Splatoon, Mario Kart 8
Eric: Metal Gear Solid V: The Phantom Pain, Forza 6 demo
Will: CoD Blops 3 beta, Until Dawn, Heroes of the Storm
Feedback: ?
Twitch Broadcast


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This Advent season, our cantor Sarah Noone and I will be starting a children's choir here at St. John's! Why start a children's choir? Singing in choir is a wonderful way to form musicians through music, faith, and community! There are numerous benefits to choral singing experience which are also invaluable to a child's overall education! These benefits include developing music reading and singing skills, learning the heritage of their faith through music, stronger language development, and better memory recall! In addition, children become part of centuries of choristers singing and praying their faith! Not only do children's choirs help to form musicians and singers, but they also help to form the future of the Christian faith!
The children's choir will prepare a short anthem for the Christmas Eve Children's Mass! On Sunday, November 30th we began rehearsing for 1/2 hour in the upstairs of the church. All children ages 6+ are welcome! No previous experience necessary! If you have any questions, please call the music director at 419-908-5900 or email at email@example.com!


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Service business plan template
When creating a business plan for a service business, whether it is a brick and mortar store, click and mortar hybrid store and website, or internet-only business, the following is a standard outline for sections your plan should include.
Executive Summary: This introduction hits all of the main points of the plan within 1-2 pages.
Company Overview: Although the company may still be just a glimmer in your eye, this section details its history so far and includes a description of the services you intend to offer.
Industry Analysis: This defines who you consider your industry or industries to be, and discusses the situation the industry is currently in (its size and major segments) as well as projections of where it will be in the future.
Customer Analysis: This breaks down the customers your service business will specifically target and shows off the depth of your customer research into this group, whether it is a local market or not.
Competitive Analysis: This details a few key competitors for your service business as they relate to your plans. This should show how you will exploit the weaknesses of competitors or improve on their strengths, if that is within your means, to create a competitive advantage.
Marketing Plan: This important section goes into answering how you will promote and price your services successfully. Strategic choices should be apparent here. A business cannot convincingly expect to use every promotion method available and then also price their service lower than all of the competition's.
Operations Plan: This section shows your understanding of the systems you must have in place for your business to succeed.
Management Team: This includes biographies of the key management team members (such as yourself) with a focus on experience as it relates to the service you will be offering and the roles each must play.
Financial Plan: This last section shows the financial results expected from the business and will be of great interest to investors or lenders who think of the plan primarily as a financial opportunity. In this section, assumptions are explained, revenues and costs are summarized, and the startup costs are detailed to be clear how funding will be used.
Appendices: These include financial statements (income statement, cash flow statement, and balance sheet) for the short-term and long-term, and any additional documents that are either referred to in the body of the plan, or show more proof of the opportunity at hand, your means to act on that opportunity, and the methods you will use.
Want more tips? Here's a related article: How to Start a Service Business
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I've read a lo tof responses...
I've witnessed several ways in which a working class person or kid growing up in a poor area can dramatically improve their financial status in America:
1) Get an education (whether that be a skilled trade or college degree)
2) Own a home (Even if you own a small home, the tax benefits and possibility for the appreciation of value is well worth it)
3) Invest (Educate yourself on stocks/bonds/retirement plans. Let the money you can save work for you)
4) Start a business (The tax benefits abound for business owners. It's not always easy to start a business but if you get the opportunity it might pay off many times over)
5) Get married and stay married
Info on self employed
NEW YORK (CBS.MW) - Wealthier Americans looking to boost their retirement plans and take heftier tax deductions for 2002 can act before year end to benefit from recent tax-law changes.
Small business owners and self-employed professionals such as doctors, lawyers and dentists who fund their own pensions can put more money into their plans. Since the contributions are tax deductible, they would lower their taxes.
For instance, a doctor earning $200,000 a year can put up to $130,287 into his plan at age 52 and deduct the entire amount, Nissenbaum said.
A hefty tax break
A defined benefit plan is a company retirement plan that specifies how much money is paid to retirees for life - usually a monthly sum
You might also like:
Business Plans That Work: Why Some Do and Most Don't - A Fresh, New Approach to Creating a Thriving Business
eBooks ()
How To Start - Freight Broker Logistics Service - BUSINESS PLAN + MARKETING PLAN = 2 PLANS!
Single Detail Page Misc (BizPlans4u)
Related posts:


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So, one of the things that I do in addition to freelancing for multiple clients is that I shoot an online tv show called Beauty Extract, which appears on Style Coalition TV. It's an incredible amount of fun because I get to take big beauty questions and interview some really fabulous industry heavyweights who answer them for you.
Also, I'm a ham and I honestly love being on camera.
In this newest episode of Beauty Extract, I got a chance to answer a question that has been on many of our minds for a long time: what happens when you go blonde? No, seriously, all jokes aside, this is a mistake a lot of us have made, as in what is the right color blonde, what happens to your hair when you go from brunette to blonde, how do you take care of it, who should and should't do it, etc.?
SO, I went to one of the best in the game, celebrity colorist and L'Oreal Professional Global Ambassador Jason Backe. to get this question answered. The list of A-listers that Jason works with is pretty much endless and he KNOWS HIS STUFF. He's also hilarious and a very good friend. He's the other half of the Dream Team, his partner is celebrity hairstylist and beauty industry powerhouse Ted Gibson
Check out my newest episode of Beauty Extract: Going Blonde. Hope you enjoy!
Oh, and if you want Jason or one of his well-trained experts to take care of your color situation, go visit him at the tony Ted Gibson Salon in New York's Flatiron District or Fort Lauderdale, FL. Chances are, you'll see me or one of my fellow editors there. We don't get the big work done anywhere else. 😉


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Bedroom 2 of Villa Noche
The second bedroom features a queen size bed and private bathroom
Bedroom 2 of Villa Noche
The second bedroom suite features a private bathroom, A/C and overhead fan. Great views of San Juan bay and the town beach.
Bedroom 2
The second bedroom suite is perfect for the late sleepers or the daytime nappers. Includes a private bathroom along with A/C and an overhead fan. The windows offer great views of the bay of San Juan but shades can be lowered to darken the room for daylight sleeping or napping.


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Sets of natural essential oils from Flavour
Essential oils are used in medicine for centuries. And it does not sense small, since they contain in their composition plants esters. Our oils are extracted by distillation. It is best to use them in Aromadiffusors (including all our models). As can be our oils used in aromatherapy lamps or combined with the base oil for massage. Natural essential oils are highly concentrated - they should be used very carefully. Our oils are 100% pure, natural and without parabens.


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The Beachcomber
from half a summer's rovings,
the beachcomber,
today on the old coast
of Florida,
in a place the Spanish
settled in 1565,
begins by stepping
from hard, high sun
into the heavy shade
of a beachside bar
bearing his name.
Standing at ease
in rolled linen sleeves,
he orders a bottle
of Newcastle Brown
from the leather-browed
bar man. Then
washes it down
in a cold rush,
the late July heat
beat down
out the open doors,
on the dunes,
on the colored umbrellas,
on the unhatted heads
of the slow-passing
bathers and surfers.
St. Augustine-by-the-Sea
Late July 2013
Heavenly Body
on watching the lunar eclipse
Burnished at first,
then blemished –
an earthly foreshadowing –
then bearded
for a while,
then pillow-cased
or gunny-sacked
like a Wonderland
white rabbit, one hind-
quarter sticking out;
then cataracted:
shiny eye occluded
at 10.22
with a thin grey-flannel film;
then smudged
with a thumbprint
of tombstone lichen.
And soon, illumination
is resuming,
under the orange-gold
coating that mirrors the color
of the Falling trees
it floats above. Then
at 10.33, just a dusting left
of planetary pollen
on the lower extremities.
And, at the mellow tone, 10.40,
we return
to our regularly scheduled
heavenly body.
Central Park West
New York City
October 2004
from The Speed of Sight
Light Cycle
to slate
to glacier
to blue, to
sand to
to blood
orange to
to pearl
to teal
to coal.
Kiawah Island
South Carolina
May 1999
Reading in the Rain
Our reader reclines
under a warm wool blanket,
with a good book,
on a broad bed
in a dry room
by the ocean's edge.
While, through half-open
windows, rain falls
all along a dark coast;
out across an unlit ocean.
Falls for miles
through the black,
blustering, starless sky,
down to over-sodden sand.
Comforting our lone reader
under his blanket,
in his watertight room,
between the lines
and dry leaves
of his lamplit book.
Punta Zamach
February 2006
Painting with Light
Painting with brushes
and washes, gouaches,
of John Marin sea-light,
Monet Giverny-light.
Matisse odalisque
and Gaugin Te Aa
No Areois-light.
With Rembrandt face-light,
Vermeer northern window-light.
With Constable cloud-light;
Winslow Homer Maine,
Bermuda sun, wind
and water-colored light.
in Central Park
New York City
July 2016


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Decluttering and detoxing have a lot in common. It's about getting rid of the junk - eliminating the things in your life that aren't useful or beneficial. Whether cutting down on sugar, opting for an herbal remedy to help cleanse the body or cleaning out your closet, all of these actions are restorative and good for our health. Learn how internal detoxification and external organization of your environment both have a huge effect on your health.
Freya Oostingh, Certified Nutritional Therapy Practitioner, Individualized Nutritional Counseling, Restart Instructor
Vali G. Heist, Owner of The Clutter Crew & Certified Professional Organizer
Nicholas A. Kleinsmith, MH (Master Herbalist), NC (Nutritional Consultant), owner of Miach Herbs in Fleetwood
Buy Tickets here!


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"Enough" Doesn't Exist
"Enough" is everywhere. We're told we have it, to leave it alone when we find it, to strive for just that and no more to preserve our sanity, to work so that everyone on the planet has it. In a moment of overwhelm recently I told everyone and no one that I felt like whatever I did it just wouldn't be enough. I wouldn't be good enough. (At what? anything, everything!) But what is "enough"? And who gets to decide?
So I Googled it. There's a whole genre of literature and industry of seminars set up to tell you how to answer this question. Google itself defines "enough" as "as much or as many as required." I liked the use of the word "required". It fed into the sense of obligation that was piling up, and also the suggestion that there was a right answer. Surely I was worried about these things because of some higher imperative, not just because I was making mountains out of molehills or succumbing to yet another vague societal pressure that probably originated in an unholy union of puritanical guilt and modern marketing. Right? Then "required" reminded me of technical requirements - I am still an engineer at heart - and that got me thinking hopefully about scope statements.
A well-written scope statement is a beautiful thing. It goes at the top of the page in crisp black and white, a high-contrast dividing line between what you are and are not going to concern yourself with. As long as the situation remains more or less the same as when that scope statement was written, it's relatively easy to stay on track and have agreement on what it means to be doing enough. But that's a pretty big assumption - things change, people change, new problems come up - and sometimes even the most beautiful scope statement ends up having to be stretched or rewritten. And different types of "enough" play off of each other: "enough" time means something different if you also have "enough" money and "enough" people on the team than if you don't... At least as an engineer and entrepreneur, the criteria to redefine the lines can usually be quantified. In real life, this is where it gets really tricky.
Trying to have "enough" in life is in some ways another version of the "having it all" trap, but "enough" has additional implications that make it more subtly dangerous. First, it implies that there is a validating authority that gets to decide what is and isn't sufficient in our lives. Second, it implies that there is a finish line. Now, if we can truly own both of those ourselves - be the only one that gets to set requirements and goals for our lives - then "enough" could be a useful existential scope statement. But my experience suggests we're trained otherwise.
Growing up, "enough" was set by parents, teachers, and peers telling us how much broccoli we had to eat off our plate, how many questions we had to answer correctly, and how high we had to swing at recess. You were pretty enough only if you could get the popular boy to ask you to the dance, and only so long as he was paying more attention to you than your friend. You were smart enough only if you could get into your first choice college and only so long as you could stay on the dean's list there. You're good enough only if you could punch the check-boxes of life's milestones - career, spouse, house, cars, kids - in just the right way and with just the right amount of perceived lack of trying.
As for the finish line, not only does it keep moving - reach one goal and another immediately presents itself - but the whole idea of "being done" is unsettling. In French, je suis finis literally translates as "I am finished" but actually means "I'm dead" (literally or professionally). As the quip goes, life is a journey. Finding periods of rest and respite along the way is good and healthy, but thinking that at some point I'll have actually and forever done "enough" is troubling - what happens after that? Just waiting around to start pushing up daisies? No thanks.
While reasserting our power to define "enough" for ourselves is certainly better than looking outside for an answer, I believe "what is enough?" is actually the wrong question. "Enough" as we use it in life doesn't really exist. So what is the right question? Mary Oliver, in her poem "The Summer Day", asks "what is it you plan to do with your one wild and precious life?" I like that, but maybe we shouldn't be asking anything. Maybe we should just breathe deep and listen to that quiet voice inside that will tell us what will make us happy, what we want out of life. Maybe we should just keep our knees bent and our feet light and balance our needs for accomplishment and respite as they come. Maybe we should just enjoy each moment and what it brings and trust that in the end, whatever follows will be, by definition, enough.


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Internet Marketing
We support brands to elevate their digital marketing enactment! We provide wide range of services i.e. digital marketing strategy
Social Media Marketing
We lend you a hand in creating your social media marketing plan to effectively manage platforms such as Twitter, Facebook, LinkedIn
Mobile Advertising
We have a penchant for crafting unique and effective mobile experiences that leap forward the media muddle and grab consumer
Whatsapp Marketing
WhatsApp marketing offer instantaneous and effortless service to send across brand message to wide spectrum which adds real value


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Tiger Tuesday!
September 26th, 2010 is International Tiger Day and we're gearing up here at ESPP with a series of Tiger Tuesday posts. Today we'll be sharing some awesome camera trap images with you and asking you to take one small action to help international efforts to save the species.
image: Wildlife Conservation Society
With an estimated 3,000 tigers remaining there is a very real chance that the species will go extinct in your lifetime. Shockingly there are more tigers in private holdings in the state of Texas than there currently are in the wild!
This fall world leaders will meet to negotiate a plan to prevent the extinction of the wild tiger, it is critical that we make sure the United States shows leadership on this issue and gives tiger conservation its full backing. You can easily tell Congress to Support the Global Conservation Act of 2010 here.
And view the following video and images...
From World Wildlife Federation: "Close up footage of a tiger and two cubs, the first time that WWF has recorded evidence of tiger breeding in central Sumatra in what should be prime tiger habitat. The images have led to renewed calls for stronger measures against poaching and the rapid deforestation of tiger landscapes on the Indonesian island."
An Amur (Siberian) Tiger at Hunchun National Nature Reserve
image: Hunchun National Nature Reserve
Sumatran Tiger
image: Fauna & Flora International/DICE
An Indian Tiger in Bandhavagargh National Park, India
Cooling off in a watering hole in Bandhavgarh National Park, India
image: Michael Nichols


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More than forty years after 17-year-old Debra Kent went missing outside of Salt Lake City, Utah, police have confirmed, through DNA evidence, that she was one of Ted Bundy's victims.
The infamous serial killer confessed to killing Kent hours before he was executed, but police never found her body and the case was never closed, according to KSL TV.
In 2015, police went back to Kent's parents, who had kept a patella found by searchers decades earlier, and tested the bone for DNA evidence and were able to confirm that Bundy had killed their daughter.
"That was probably one of the biggest moments of my career," Det. Sgt. Shane Alexander told KSL TV. "To me, that just was a tremendous feeling of accomplishment and knowing that I can help this family hopefully have closure and help them move on."
Debra Kent went missing in November 1974 after leaving a Viewmont High School play to pick her brother up at an ice skating rink. She never returned.
Thirty-six hours before his 1989 execution, Bundy admitted to killing Kent, as well as dozens more, and gave a vague description of the location of her remains.
That spring, officials found hundreds of bones in the area, Fairview Canyon, but only one human bone — a patella — which was given to Kent's family.
In 2015, detectives were reviewing old missing persons cases when Alexander found a note that Kent's mother, Belva, had previously told officers that she had some of her daughter's remains.
Before his execution, Bundy confessed to 30 murders, but experts have guessed that the real total was as high as 100.


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Hillary Clinton still blames me for President Trump. I'm proud to have her as my enemy
All the talk in Washington is that, although she turns 70 this month, Hillary Clinton is still seriously considering another tilt at the US presidency in 2020.
Some well-placed people believe she remains determined to become the first female president of the United States of America. If that's the case, I suggest she is going about it in completely the wrong way.
Her visit to the United Kingdom this month shows that her attitude and demeanour is that of a very sore loser, albeit one with the hide of a rhinoceros. Who else could have written a gripe-filled book called "What Happened" (surely "The Great Whinge" would have been a more accurate title) and expect people to pay £20 for a copy?
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This Guide
- Why a contractor pension?
- Advantages of a contractor pension
- Tax relief on pension contributions
- How much can I invest?
- Consolidating existing pensions
- Umbrella companies
- Taking your pension
- Annuities or drawdown
- Advice for contractors
Written by:
Andrew Jenkinson
Director at Drewberry
Why a Contractor Pension?
If you work as a contractor, you can't rely on anyone else to arrange your pension, so it's vital that you start planning for your retirement as soon as possible.
There are plenty of ways you can maximise the amount that you save, depending on which way you choose to invest in a pension. Importantly, you are entitled to valuable tax relief on anything you pay into your pension, making this one of the most tax-efficient ways to save for the future.
Naturally what is provided below is only general information and a lot will depend on your specific situation and requirements. Please don't hesitate to call us on 02084327333 to speak with a regulated pension adviser for a tailored recommendation.
Here's our ultimate guide to pensions for contractors, setting out everything contractors should know.
Is it better to make pension contributions via my limited company?
If you contract through a limited company, then the biggest benefit of paying into a pension is that your company can make payments into your pension on your behalf. This means that you can keep your salary as low as you can afford, therefore reducing your national insurance bill and your corporation tax bill.
Rather than declaring income your company has received as a profit, and taking this income as a dividend, you can instead contribute this income into a pension. For example, if you are a higher rate taxpayer and your company received £1,000 in income, and you took this as a dividend, you'd have to pay £200 in corporate tax.
Tax efficient pension contributions
You'd also have to pay income tax at 32.5% on the dividend (rate from April 2016), removing another £260, leaving you with a total of £540. If, however, you paid the £1,000 straight into a pension, there would be no deductions, so the full amount can be invested to grow for your retirement.
If you are in IR35, then there are even greater tax advantages from contributing to a pension through your limited company. You'll not only save on income tax that you'd normally pay, but also on employers' and employees' National Insurance Contributions, so you'll be keeping as much as possible out of the taxman's grasp.
Download our latest FREE e-Guides
The Drewberry 'Making Sense' guides are here to cut through the jargon so you can understand how to make the most of your wealth.
Download our series of guides for help making the right decisions for your financial future.
Tax relief on pension contributions will boost your contractor pension
If you make pension contributions yourself, rather than having your limited company make them for you, there are direct tax benefits of contributing to a pension for a contractor. If you're a basic rate taxpayer, you will receive 20p in tax relief for every pound you make in pension contributions. This means for every 80p you contribute to your pension, you'll receive 20p in tax relief. As a result, a £1,000 pension contribution will only cost you £800.
If you're a higher rate taxpayer this increases to 40p in tax for every pound you pay in. You automatically receive basic rate tax relief, but you'll need to claim back any extra through your tax return. If you pay tax at the 45% rate, you receive 45p in tax relief.
If you pay yourself a small salary and the remainder if dividends these rates will differ but you may decide alternatively for your pension to be paid for by your business (see below).
How much can I invest into my pension?
You can personally pay in as much as 100% of your income into a pension if you want to, and benefit from income tax relief on these payments, subject to the annual pension allowance.
The annual pension allowance for the 2019/20 tax year is £40,000, so you can invest up to this amount each year and you'll receive tax relief on your contributions at your highest marginal rate (please note, from April 2016 restrictions apply for those with taxable earnings plus pensions contributions that exceed £150,000 per annum).
Utilising your carry forward allowance
You can also "carry forward" previous years' allowances and receive tax relief on these contributions too. You are able to carry forward any unused allowances from the previous three tax years.
From April 2016 you are able to receive up to £1m in payouts from pension schemes (this figure was previously £1.25m) without triggering a tax charge. This 'lifetime allowance' applies to all pensions you have but excludes the State pension.
Pensions Advice
Income Protection
Consolidate your existing pensions
If one of the reasons you have yet to start paying into a pension as a contractor is that you've left a large number of company pension schemes in your wake and you don't want to have to deal with any more paperwork, you might want to think about consolidating these pensions.
Where appropriate, you could set up a new pension to pay in regular premiums and transfer old pensions into the new one. You should always seek professional financial advice before you do this, as some older pension schemes have valuable guarantees which you shouldn't give up. Your pension adviser will be able to do the following for you:
- Obtain a valuation of what your pensions are worth
- Evaluate the investment fund(s) performance relative to your attitude to risk
- Determine if the management charges are competitive
- Discuss whether it's worth consolidating to a new arrangement
- Liaise with pension providers to arrange any transfers on your behalf
I meet many contractors who have worked at half a dozen different companies and have no idea where their pensions are or how much they are worth. I help by consolidating these contracts into a single arrangement which can be accessed online 24/7.
It's always best to compare existing pensions to the rest of the market – what you've been contributing to historically may be better than what you could get on the market today, so it may be better to go back and restart contributions into an older scheme rather than starting another new pension.
Neil Adams
Pension & Investment Specialist
Umbrella companies and auto-enrolment
Even though you are working for yourself, if you work for an umbrella company, then under the auto-enrolment system, which was introduced to encourage more people to save for the future, you may be enrolled into that company's pension scheme.
This usually applies if you operate via Pay As You Earn (PAYE) when you pay tax on your earnings. You don't have to stick with the scheme you've been auto-enrolled in – you can opt out if you want to. However, this will mean you won't receive valuable contributions from your employer.
It will rarely be appropriate to opt out of a scheme with employer contributions, as these will be hard to replicate outside the scheme, regardless of any benefits you may perceive from being outside such a pension.
Making your own pension arrangements as a contractor
You'll need to make your own pension provision if you haven't got an umbrella company to do it for you. This will usually involve setting up a personal pension plan, into which you make monthly contributions. If you are self-employed, you can then make payments into the plan, or, if you've set up a limited company, the company can make contributions on your behalf into an approved scheme.
There are lots of different contractor pension schemes to choose from, and charges can vary widely, as can the investments offered, so if you aren't certain which plan to go for, always seek pension financial advice first.
Building your pension portfolio..
Remember too that you can choose investments depending on your approach to risk. For example, if you are very close to retirement, you might want to stick with less risky investments, such as cash and government or corporate bonds.
If, however, you are young with 20 or 30 years to go before retirement, and you may be prepared to accept a higher level of risk in return for potentially higher rewards, so you might want to stick to stock market linked investments.
You can't take your pension benefits until you reach the age of 55
While there are significant advantages of paying into your contractors pension, remember that you won't be able to touch these retirement savings until you reach the age of 55. At that point, you can take up to 25% of your pension as tax-free cash, and use the remainder to provide yourself with an income.
It's therefore a good idea to build up some savings alongside your pension so that you have some emergency funds available prior to retirement.
One of the most tax-efficient ways to save outside a pension is into an individual savings account (ISA) as returns are free from income tax and capital gains tax.
In both the 2015/16 and 2016/17 tax years you can save up £15,240 into ISAs, either into cash, stocks and shares, or a combination of both.
You can pass your contractor pension onto your loved ones
New pension freedoms which came into effect in April 2015 mean that if you die before the age of 75, you can pass your contractors pension to your beneficiaries without them having to pay any tax. Before the new rules came into effect, your loved ones could have had to pay a 55% death tax charge on a pension left to them but you if you'd already started taking an income from it, or if you had received any tax-free cash.
If you die after the age of 75, you can still pass your pension on to your beneficiaries, but they will have to pay tax at their marginal rate of income tax on any income they receive from it.
You don't have to buy an annuity at retirement
Prior to the introduction of April 2015 pension freedom legislation, the vast majority of contractors had to use their pension to buy an annuity, or income for life, from an insurance company.
While annuities can still be useful if you want a guaranteed income, contractors now also have the option to use 'flexible drawdown' which involves drawing any level of income that you need.
Previously you had to have pension income of at least £12,000 a year to be eligible for flexible pension drawdown, but this requirement no longer applies.
If you haven't saved much into your pension, you can take the whole of your pension as what's known as a 'trivial commutation' if all your pension benefits added together don't exceed £30,000. You can only take the whole of your pension if you've reached the age of 55.
Pensions Advice for Contractors
If you're considering a pension for contractors and are not sure about which route to take, you should seek professional financial advice. An advisor will be able to talk you through all the available options, so that you can choose the right one to suit your needs. Being regulated advisers we can help, so call us on 0208 432 7333 to find out more.
Contractors may also be interested in…
In addition to contractor pensions, many contractors are also interested in contractor income protection, which pays a monthly income to you if you are unable to work due to illness or injury, and relevant life insurance, which pays out a lump-sum to your loved ones if you pass away. These policies have the benefit of being owned and paid for by your business.


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Motivate Yourself 115: 10 Tips To A Happier Life
First of all I want to say a big "Thank You!" to all the subscribers of my Podcast.
Last month's episode put me at number one in the UK iTunes Podcast Chart.
For personal development to be more important than anything else, even if it was for just a week, is a great thing, so well done.
This month I want to give you a quick Top 10 of the hints and tips that I talk about as a therapist when helping people to become happier.
1. Notice when you're happy.
We rarely notice happiness when it's actually happening you see. We often look back and say "I was happy then" or we look forward and say "I'll be happy when…" but rarely do we say "I'm happy now."
Happiness comes from living in the moment and cannot truly be based on a future event. You can look forward to something, of course, but if you're not enjoying what's happening NOW then looking into the future for happiness puts it on hold, robbing ourselves of the precious happy moments in the present.
2. Smile!
Research has shown that not only can being happy make us smile, but it also works the other way around and smiling can make us happy.
As long as we're doing it naturally and our thoughts aren't getting in the way that is. Don't force a smile but then talk to yourself in your head telling yourself that you're a phoney.
Let smiling become more natural to you.
Do things that make you smile. Watch funny comedies that make you laugh and ignore the news.
It can be tempting when you're feeling miserable to watch a gloomy film and sit in a dark room but it's rare that that would help, and with all the YouTube clips that people upload from TV shows and stand up comedians we're not short of things that can cheer us up, we just need to put some effort in and look for them.
3. Thought control.
As I said there's no point in your behaviour being that of a happy character if you're telling yourself that your a loser, remember, the brain doesn't know the difference between what's real and what's imaginary, so if you find that your putting yourself down or thinking about stuff that is only going to make you feel worse, you need to STOP!
Interrupt your thoughts the second you realise what you're doing and deliberately move them onto something else.
This video will help explain more.
4. Slow any anxiety down.
Once you have control over your thoughts the next thing is to get control over your emotions. An emotion is just your intellectual interpretation of the sensations of anxiety.
If you feel anxious, nervous, panicky and you've recently done something that you shouldn't have done, then the feeling becomes guilt.
If you know that you have a job interview the next day then the feeling is nervousness.
If you've got nothing to do but pick your nose and stare out of a window waiting for the phone to ring then the feeling probably gets interpreted as boredom.
But pretty much all emotion is based around the anxiety response, the fight or flight response, learn to slow that down and its a lot easier to get on with life.
So practise some deep breathing exercises to slow your heart rate down and oxygenate your blood, this video will show you how.
5. Look at what you HAVE done rather than what you HAVEN'T.
So many people say that they are frustrated because they look at all the things that they want to do in life and feel disappointed that they haven't achieved them despite the fact that there's so much that they already have achieved.
It's the same with goal setting, if you want to lose 3 stone in weight to only look at how far you have to go isn't going to help motivate you.
But if you make an effort to notice the times that you choose something healthy, to notice how many inches have come off you in the past few months then you'll feel better about it and are far less likely to give up.
6. Turn off your emails!
I remember a speaker at a conference 15 years ago talking about the importance of switching off emails in order to be more productive.
15 years ago!
Even then we could see that we were becoming slaves to technology, and nowadays it's even easier for communication to intrude on our lives.
You don't have to respond to every Tweet, Facebook post, email or text message. And thinking that you have to will make your life very difficult and for no reason!
7. Communicate well.
It sounds simple but Say "please" and "thank you" more than everyone else.
Make eye contact with people. If you struggle with eye contact look at their forehead instead, they will feel as if you're interested in what they have to say and you can learn how to make eye contact then, little by little, boosting your confidence.
But the secret to being the one at the party that everyone likes is to say less and listen more. Research has shown that the person rated the highest in social situations is the one that joins in on conversations but actually says very little.
Yet so many clients say to me that they struggle with social situations because they can't think of anything to say. Turns out we don't need to actually!
8. Make more time to spend with your friends and family.
Social interaction reminds our instincts that we aren't alone, that we're safe and the big bad wolf isn't going to get us. If you already have people in your life that you can spend time with then do. It's much easier to reconnect with old friends than it is to make new ones.
9. Each day do at least one thing to make someone else happy.
Turns out from research at the University of Exeter that we're happier when we're helping other people.
Volunteering makes us happier and even makes us live longer! Maybe it's because of my previous suggestion of keeping in touch with people as its an effective way to override feelings of disconnection in our increasingly online lives.
10. Mental relaxation.
Mindfulness, Hypnosis, Meditation. Whatever you want to call it is a real permanent gateway to happiness.
Studies have continually shown that mental relaxation boosts positive feelings and psychological well-being, in addition to warding off stress, depression and anxiety.
It's relatively easy to learn and gives you a technique that will stay with you forever. Remember that everything that gets repeated will become an unconscious ability. You end up being able to do something with less and less effort, like walking and talking it soon becomes second nature.
So the more time you can spend with a peaceful mind the harder it becomes to be unhappy or worried, it helps you leave the past in the past and enjoy the now, and I recommend it to everyone that I see in therapy. There are some free downloads available here to get started.
So, in short.
Take some deep breaths, learn to control your thinking so you can live in the moment, switch off technology, practice some hypnosis and make time to see friends and family.
And if there's something I've missed let everyone know on the Facebook page. facebook.com/motivateyourselfpodcast or tweet me @richardnicholls
Take care


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text:
In the end, my 3000-point Sisters list included the following "extrys":
- Callidus Assassin
- A third 5-model unit of Arbites (2 Meltaguns, 3 Shotguns)
- A third 5-model unit of Dominions (4 Flamers, Leader with Brazier/BP)
- ….and four extra flamers to equip the first two Dominions with a total of 4 flamers each
- A second Inquisitor, equipped identically to the first with identical retinue
- 3x Immolators with Extra Armor & Smoke (to transport the three units above)
- 3x Exorcists with Extra Armor
Opponents: Pat and Bryan combined their Tyranid forces to field 3000 points of the following:
- Hive Tyrant and 2 Tyrant Guard
- Hive Tyrant and 1 Tyrant Guard
- 1 brood of 2 Hive Guard
- 1 brood of 4 Tyranid Warriors (incl. Venom Cannon)
- 1 large brood of 20 Hormagaunts
- 5 broods of 8~12 Genestealers
- 3 Trygons
- Hive Tyrant with Wings (in reserve)
- 1 brood of 6 Shrikes (in reserve)
- 1 brood of 2 Zoanthropes in Spore Pod (in reserve)
Terrain: A huge 4x12 table with ruins and trees and hills all over the place.
What Happened?
As the Sisters set up first, I deployed heavily to the right side of one long edge, trying to limit the angles that the Tyranids could attack me from. I placed my Exorcists in the back center of my formation, with my allied Guardsmen on either side, in cover, then set up a row of twelve Immolators in front of all that, and three more Immolators to my 'heavy' right flank. Pat & Bryan were very obliging, deploying the entirety of their army within a 4' wide span in the right-hand (their left-hand) corner of the table, allowing me the opportunity to 'box' them in quite nicely.
I had forgotten that Genestealers could infiltrate, so ended up deploying with a large blind spot on my right flank (where LOS was blocked by a large multi-story building), but as I retained the initiative during the first turn, this was less of a problem than it might have been otherwise.
This is what is known in the Imperial military as an "assload" of Genestealers.
My first move was fairly straight-forward: my Callidus somehow convinced the Hive Guard to wander forward into the open, where they fell to a volley of Exorcist fire. The Tyranid Warriors also were blown to smithereens, and with the Tyranids now deprived of what little long-range firepower they had brought, the Sisters of Battle sent forward their Immolators, with half of them making a hard-right turn toward the lurking Genestealers.
The Tyranids ran forward – all except the Trygons, which mysteriously stayed stock still, hiding behind a tall rock formation at the far side of the table.
One Sisters Immolator took the 'bait' role and rushed into the nearest mob of Genestealers, flaming away madly. The four remaining Genestealer broods rushed the tank, shaking it slightly but failing to do anything. On the following turn, I tank-shocked them into a rough circle and flamed two of them to cinders. More Genestealers rushed in, spilling the 'bait' out onto the turf as they ripped the Immolator to bits. The 'bait', made up of a Dominion squad with four flamers and a Brazier, promptly let loose and flamed another Genestealer brood into oblivion.
The Trygons finally started to move forward.
A Spore Pod screamed down out of the sky, trying to block the LOS of the Exorcists in my back rank. I tank-shocked it into a wet, sticky mess (note: this is no longer a viable tactic, what with the FAQ clarification on immobile models being tank-shocked), and the Exorcists started plinking away at the Trygons slithering frantically toward my lines.
My Callidus reserved onto the table, and went after the only even-slightly soft target on the Tyranid side: the Hormagaunts. She got eaten rather decisively the following assault phase. It was one of the few bright spots in an otherwise very long afternoon for the Tyranids.
A giant circle of flaming death.
On the right-hand side of the field, Hormagaunts and Genestealers found themselves herded together into a giant circle of flaming death. The Shrikes chose (inexplicably) to land in the exact same place as they came out of reserve, and were flamed into oblivion a turn later. With loads of meltaguns to spare, first one Trygon, then another, then a third, were blown to bits.
The Tyranids kept coming, killing a few more Immolators, and wiping out my 'bait' squad of Dominion sisters, but by the middle of the fourth turn, they had been practically annihilated – only the three Hive Tyrants remained alive, largely because I had ignored them all to this point. Two of them were in good position to hurt an Immolator or two, but after that it was clear which way this was going to go.
Turning the Tables
Bryan has a good write-up and post-game analysis of what happened at the Jungle.
In short, both Bryan and Pat brought a hodge-podge of models that weren't really designed for a competitive match. They definitely have more Hive Guard and Tyrannofex models, all of which would have helped in this game, but instead they fielded only two Hive Guard, and two other Venom Cannons besides, which did basically nothing to stop all the armored vehicles I had zipping around.
They also set up so that they were effectively sending units at me in waves, rather than all at once. The Genestealers were deployed in an arc, and kept clustered very close together despite the fact that I had all the flamers at my disposal. The Trygons chose (inexplicably) to lurk for a turn before moving forward, giving my army more breathing room. The units in Reserve probably should have started on the table, and when they entered from Reserve simply dropped into the middle of all my short-range weaponry, rather than someplace a bit safer.
So: definitely not a Fun Time for anyone. Probably could have gone a bit better had a different match-up been proposed, as there was clearly a bit of miscommunication about what everyone should be fielding, and about what particular level of crunchy list should be fielded. Ay, ya. I think that at the next Counter-offensive (in 2011, one hopes), I will be making more of an effort to find out what my opponents are expecting before shredding them with my nastiest list.


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I remember when Susan and I used to dress up and put on shows for our parents. Aww... the good ole days!
Sunday, March 23, 2008
Fun times!
Kaylee had her friend Anna B. over Friday night, Kris and I were treated to some dress-up fashion shows. Check them out....Kaylee looks like someone off of 2nd Ave. in these first pictures.
at 8:35 PM
2 comments:
- Susan said...
OMG!!! That is so me and you!!! Remember we used to make up dances too!! lol.
Tell KK I love her outfits and them shoes are killer. Could she walk in them, remember when she wore them shoes at Halloween that time that she could barely walk in!!
- March 24, 2008 at 9:03 AM
Just like you and Susan!!!! All those dance routines too!!! Girls will be girls!!!
- March 26, 2008 at 8:58 AM
Subscribe to: Post Comments (Atom)


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Auburn Hills - 70' Homesites
by Darling Homesin McKinney, TX 75071
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Community Details of Auburn Hills - 70' Homesites
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text:
His wife's lungs are now hers. They met for the first time and became family.
Family members of organ donor meet with the woman now breathing with donor's lungs
As she looked at photographs of Maria Castro-Martinez smiling and embracing her family, Carolyn Dickson of Fresno got her first glimpse of the woman whose lungs she now breathes with.
Castro-Martinez died at the age of 37 in March 2016 of a stroke; her heart, lungs and liver were donated for transplantation. That same month, Dickson was told her lungs could fail at any moment. She had struggled for years with pulmonary hypertension and sarcoidosis, an inflammatory disease, and had depended on an oxygen tank, but now she was in dire need of new organs.
Then Dickson's doctor said she was eligible for a double-lung transplant and she jumped at the idea. After she heard her name spoken after her surgery in San Francisco, Dickson knew she would be OK. And she knew she needed to meet the family of the organ donor who had given her a second chance at life.
It would take many months to communicate with her donor's family, who live in Huron, but eventually they learned of each other through written correspondence. Dickson and her husband Larry finally met the family of Castro-Martinez on Saturday.
Jose Espinoza, Castro-Martinez's husband, and their two children, Denisse Castro-Martinez and Jose Enrique Espinoza, met Dickson at the Donor Network West facility in northeast Fresno. Dickson said she had told herself she wouldn't cry, but her eyes filled with tears when she saw the family.
"When I walked in the door and saw (Jose) and I saw the kids, it's just magic," Dickson said, fighting back tears. The hug between Espinoza and Dickson lasted about 16 seconds. "I know he was hugging Maria."
Espinoza, who spoke in Spanish, said he always wanted to know who had gotten his wife's organs. But he wanted to make sure that Dickson was comfortable with meeting. On Saturday, he and Dickson tightly held hands as they reflected on the new bond they now have with each other.
When I walked in the door and saw (Jose) and I saw the kids, it's just magic.
Double-lung recipient Carolyn Dickson
He said that he might need to learn English in order to better communicate with the Dicksons. His daughter helped with translations during their meeting. But through smiles, handshakes and hugs, the gratitude both families have now needed no words.
"I know the person next to me has a piece of my wife," Espinoza said in Spanish. "And I'm glad it's helping give others life."
Larry Dickson declared the Espinoza-Castro family as part of theirs. He said more Dickson family members want to meet the Espinoza-Castro family now. In the future, they might get together for barbecues or picnics, he said. Espinoza laughed and said that he likes to eat and looks forward to it.
Getting new lungs, Dickson said, has been a blessing. Her husband said that not only was Dickson meant to keep living, but meeting the Espinoza-Castro family was also meant to be.
"This is not just by chance," Larry Dickson said. "We've got a mighty God and he wanted us to meet."
Saturday's reunion was bittersweet for Denisse, Castro-Martinez's daughter. She said she was happy that her mother's organs went to Dickson, who she now admires, but wishes her own mother was still alive.
Still, she rests easy knowing "that (her mom) has been able to help many other people maybe live another day with their family."
Cresencio Rodriguez-Delgado: 559-441-6304, @cres_guez


text:
It's possible that a tablespace may have but one table or index located therein. Usually it doesn't matter how may tables/indexes are in a tablespace, but somehow you ended up with a vast expanse of storage with only one segment in residence. How on earth can you report which tablespace is the hiding place for this segment?
Oracle provides two views to report where segments are located:
Only DBA_SEGMENTS provides the necessary tools to determine which tablespace, if any, houses only one segment, and if you don't have access to that view you can't run the query. The query itself is pretty simple:
select tablespace_name, count(*)
from dba_segments
group by tablespace_name
having count(*) = 1;
Such a query will return any and all tablespaces containing one, and only one, segment. You can't modify the query to include the owner, though, as that may return any number of tablespaces having more than one segment, but only one segment owned by a particular user (and this is why you can't use the USER_SEGMENTS view, as that only reports objects owned by the currently logged on user):
SQL> select tablespace_name, count(*)
2 from dba_segments
3 group by tablespace_name
4 having count(*) = 1
5 /
no rows selected
SQL> select owner, tablespace_name, count(*)
2 from dba_segments
3 group by owner, tablespace_name
4 having count(*) = 1
5 /
------------------------------ ------------------------------ ----------
Note no tablespaces in this database have only one segment, however the TOOLS tablespace does contain ONE segment owned by SYS. So, as shown, the first query is the only query which returns the desired information.
Now, get going and find those stragglers!


text:
Official teaser Annecy 2016
> Corporate
This year, the Annecy International Animation Film Festival asked Caribara to make its official taeser.
What's better than an original creation? We imagined a wacky race between animation maniacs on the famous Lake of Annecy.
Their racing cars? The Magical Lantern, the Praxinoscope, but also the legendary light table...
In the end, it's a triple tribute to: the festival, the animation world, bunnies and paper planes (damned, it's a quadruple afterall!)
Directed & Designed by Régis Vidal et Florian Thouret
Sound by Ludovic Loy


text:
Is Ripley's Believe It Or Not Worth It for Teens
Trying to decide whether or not to take your teen tribe to Ripley's Believe it or Not? We understand - it's a challenge to find attractions that will pacify our moody offspring.
We took a leap of faith and, believe it or not(pun intended), we all had a blast at Ripley's Believe It or Not in Orlando, FL.
When planning the visit, we knew at least one teen in our group would be entertained by the long list of useless factoids that live in places like Ripley's and the Guinness World Record Book.
Our daily life consists of conversations such as, "Hey mom, did you know peanuts are an ingredient in dynamite?"
Sigh…more wine please.
Anyway, before you go, you should know it takes a minimum of an hour to go through the entire museum. Depending on your group, your visit may take a little longer. Ripley's has numerous interactive displays and lots to read.
As such, it's a great half-day stop on an Orlando sightseeing itinerary.
First stop - the bathroom. Even if you don't have to 'go', you should totally 'go'. And by all means, press the button!!
The bathroom alone is tons of fun. But there is still a whole museum to see!
Talented at tongue twisting? You absolutely MUST try it out in order to receive the surprise at the end, so don't skip it.
Floating pool balls, a cockroach painted like Michael Jackson, shrunken heads, skin masks, two-headed calf, tallest man who ever lived, Ripley's has it all!
I challenge you to walk through the tunnel without getting dizzy!
We visited Ripley's with our Two Scoops Tweens, Sydney and Holli, and big brother Jayce who was 14 at the time of the visit.
The verdict? Every single one of them LOVED Ripley's. In fact, the consensus was they all liked Ripley's better than Sea World!
Really? Either we have really boring kids, or Ripley's is more fun for teens than we anticipated.
LOCATION: 8201 International Drive, Orlando, Florida 32819, Telephone: (407) 345-0501, info: firstname.lastname@example.com
PARKING: FREE for cars and coaches. There are 3 parking areas conveniently marked. Buses and Motor Coaches are encouraged to use the bus parking area in the north side parking area, where it is marked "Buses".
HOURS: Open 365 days a year, open from 9:00 am until midnight, Last entry at 11:00 pm.
DURATION: Takes about 1 hour to 1.5 hours to enjoy the entire museum.
Adults - $19.99 at door / $16.99 online.
Children (3-11) $13.99 at door / $11.99 online.
Click here for tickets. Sign up on the website as there are constant specials. It is also cheaper to purchase on Ripley's website than at the entrance. Online tickets can be presented on your phone, printed copies not necessary. Tickets are non-refundable.
ACCESSIBILITY: Entire museum is wheelchair accessible.
If you have a couple of extra hours in Orlando, Florida, we highly recommend a stop at Ripley's Believe it or Not.
Have you been to one of the Ripley's Museums? What was your favorite weirdness?
Ready to plan your family vacation to Orlando? Call us or send us an email. We'd love to help plan your Best Vacation Ever and our travel services are absolutely FREE for you!


text:
The following is taken from the Mental Health America website to spread the word. For more information, click here!
July was designated as Minority Mental Health Awareness Month in 2008 to bring awareness to the unique struggles that underrepresented groups face in regard to mental illness in the United States.
Throughout the month of July, we are asking you to create and share content (a video, a series of videos, a poem, notes, or even GIFs) responding to the Guiding Questions provided below. These questions were developed to help you think about your experience and your story. We ask that you use these questions as prompts as you develop and share content.
Guiding Questions:
- What are the most important parts of your identity?
- What keeps you (or kept you) from talking about your experience?
- If and when you were struggling, how did you know you something wasn't right
- How did those around you respond?
- What do you do to take care of yourself?
- What would you tell others who may share your experience?
Hashtags to Use on Social Media:
- #MinorityMentalHealth
- #MyStoryMyWay
- #StoriesBreakStigma
For more details, directions, and examples of submissions, click here!


text:
In 1969, when Finland became an OECD member, you were delicately balancing between the West and the East. Finland's road to prosperity was neither obvious nor predetermined. Per capita income was almost 30% lower than in Sweden.
The digital transformation is not new, but the pace of change has quickened, with our hyperconnected societies generating huge volumes of data of all kinds.
In the coming months, the international community will gather three times and on three different continents, to build a sustainable development agenda for generations to come.
|For a complete list of speeches and statements, including those in French and other languages, go to www.oecd.org/about/secretary-general/publicationsdocuments/speeches
Economic data
OECD Observer Newsletter
Stay up-to-date with the latest news from the OECD by signing up for our e-newsletter :
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