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Corpus Christi, Texas
Owner: SGBC, LLC
Architect: John Kendall Designer
Project Type: New Construction
Square Feet: 435(Mechanical Room)/ 432(Restroom)
Completion Date: January 2015
Project Detail: Demolished existing sports facility and replaced with administrative offices and storage facility. Installed sports lighting, new cover dugouts, shade structures and new synthetic turf field.
Corpus Christi, Texas
Owner: The Miracle League of Corpus Christi
Architect: CLK Architects & Associates
Project Type: New Construction
Square Feet: N/A
Completion Date: March 2011
Project Details: Construction consisted of cushioned synthetic turf, wheelchair accessible dugouts, family changing rooms, concession stands, site improvements and parking– all ADA compliant.


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An Independant Weekend
With a hockey tournament occupying my better half, this was to have been a weekend for organizing, packing, tidying, and all the other odd tasks that would go along with moving. I've been good, honest I have, but I'm distracted, and haven't accomplished nearly enough, I'm afraid. 4 boxes does not a packing bee make. Despite my good intentions, i've managed to walk, sleep, eat well, take in a few movies and create general procrastination and distraction.

subset: commoncrawl


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Insurance Risk & Solutions is an Authorised Representative of Insurance Advisernet, one of Australasia's biggest General Insurance Brokers. Our knowledge of the local insurance industry is second to none and our experience in handling insurance for many thousands of customers enables us to provide advice you can always trust. It also means you'll benefit from access to unrivalled financial strength, business efficiencies and buying power spanning every major insurer in Australia and New Zealand even access to major overseas insurers if and when required.
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New route to start and finish in downtown Solvang, showcasing more than 12 wineries along the route
It's 13.1-miles of racing and tasting with a new race route in 2019. Nearly 2,000 runners will experience the beautiful Santa Ynez Valley as the 12th annual Santa Barbara Wine Country Half Marathon will take over the streets of downtown Solvang on Saturday, May 11.
In 2019, the event will include a brand new half-marathon course that will start and finish in Solvang Park. Runners will start amidst the windmills and Danish bakeries in downtown Solvang, run along the rolling hills, vineyards and 12 wineries before finishing on Copenhagen Drive in the heart of historic Solvang. After crossing the finish line, participants are invited to join family and friends to kick back, relax, sip and savor wines from 20 wineries at the post-race Wine & Music Festival in Solvang Park.
"This is a scenic course that will provide runners a first class tour of the Santa Barbara's beautiful wine country," said event manager Aiyana Welsh. "The course changes will not only make race morning more convenient, we are also able to highlight even more of the charm and history the community of Solvang has to offer and are thrilled to showcase the region to thousands of runners from around the world in May."
Race weekend kicks off Friday, May 10 with a free fitness expo in downtown Solvang open to the public. The Expo, where all participants must pick up their bib number and race packet, will be held at Solvang Park from 1:00pm to 7:00pm. Over 50 exhibitors will feature free nutritional samples, the latest in running gear and sports apparel, as well as a series of interactive clinics.
A full course description of the Santa Barbara Wine Country Half Marathon, including a turn-by-turn video and course map are located online. Be sure to follow us on social @SBwinehalf.


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I'll always remember Bishop Eddie Long saying, "Tell your neighbor, 'I know I just borrowed a dollar, but do you know who you just loaned a dollar to?' "
He was saying where you are right now says nothing about where God is taking you. You might suck at public speaking. You might show up to your house showing in a hoopty. You might not have the appropriate attire for your new position. But, you still got favor, baby! You might feel a little embarrassed and unqualified, but don't you stop moving your feet.
There was a time where I didn't know how to braid and I didn't lose any sleep at night. Then, I had a sweet little girl with a head full of hair. And, again, not losing any sleep. Until, we moved to Guam and she was swimming everyday and I was tired of washing, de-tangling, and styling hair every evening. So, one day, I said to myself I am going to learn how to braid. It took me forever to make one braid and it looked horrific. But, I wanted to get better so I kept braiding. And, I kept braiding. Fast forward a few years later, I'm on a family vacay at the beach and I'm fresh out of rubberbands. So, I decided to give my 2 year old two braids. I was finished in 2 minutes.
I went through the 4 stages of competence.
I didn't know how to braid and it didn't affect my life one bit. Unconscious incompetence.
I didn't know how to braid, but realized mornings and swimming lessons would be so much easier if my daughter's hair was braided. Conscious incompetence.
I began to teach myself. Every finger movement required serious concentration. I messed up a lot. But, give me about 10 minutes and I could create one braid…a mess braid, but it was a braid. Conscious competence.
At the beach, I was able to braid my daughter's hair quickly with little thought of finger movement, which strand goes next, etc. Unconscious competence.
Where do you usually fall?
Do you keep your head in the sand unable to recognize the limiting beliefs, choices, and people that are preventing you from becoming who God created you to be?
Do you recognize where you've fallen short and refuse to take action?
Are you trying to take action, but every step forward is grueling?
Or, do you usually stick to the task until it becomes 2nd nature?
I have so many objections with this quote. But… But… But… Buuuutttt, if I'm honest, I can't deny the sting of truth. We really are habitual creatures. Insert Jay-Z laugh. Don't ask. Now I'm sitting here practicing my Jay-Z laugh which sounds nothing like Jay-Z…guess it was a 1-and-done thing.
If you're not arriving at unconscious competence it could be:
- Information overload – We are bombarded with information. I've gotten 3 FB messages, 1 email and watched 3 Jay-Z videos (trying to perfect that laugh) since I started writing this blog post. When you're an adult, there's no teacher (or parent) around to make sure you're doing what's needed to master the knowledge and skills required to fulfill your calling. Spend less time on what's nice to know and more time on the need to know.
- Negative filtering – The conscious competence stage is full of mistakes. You're painfully aware that you stink at something you'd like to be good at. This is a great time to way "Peace out," and go back to not caring. Except, you know you're a quitter. You know you never gave it your best. Don't kid yourself into thinking you'll never run into this roadblock again. It'll show up when you least expect it…bullying you to stay small. This is the step that requires a new mindset…casting those old thoughts aside and creating new ones that serve who you were born to be.
- Lack of follow-up – What did your pastor preach about this past Sunday? Chances are if you didn't re-read your notes & take action, you've already forgotten the title of his/her sermon. Follow-up on your goals. Follow-up with your mentor. Follow-up with that potential client. Summarize each chapter of that book. One-time isn't enough to know anything. You must continue to learn until it spills out of you.
- Learned dishonesty – You're not honest about where you are right now. You make excuses for your situation. And, your dishonesty keeps you from recognizing answers when they appear. You're probably even praying for the wrong things.
- Dismissing allies – There are people rooting so incredibly hard for you! They see your gifts and anointing and they are beyond themselves when you allow God to use you. Sometimes, they see you more clearly than you see you. This is possibly a mixture of mentors, coaches, supervisors, friends, and family. Be willing to say where you're falling short and what your goals are. Allow them to make suggestions (that you may not like) and hold you accountable to who you want to be.
How did I get from unconscious incompetence to unconscious competence?
There are only a couple things I've mastered and they both involve chicken. But, I am keenly aware of my deficits and I mainly attribute that awareness to exposure. You can't clearly see what's missing in your life until you know what's possible.
Then, you have to make room for that thing in your own life. For example, Travis and I have some amazing financial goals but we have to put down poor financial habits and pick up new thoughts and behaviors to get there. It's an exchange. Nothing's free.
And, lastly…discipline. We can read every financial book there is. But, transforming our finances is a guaranteed struggle. There's no way around it. The only thing to do is keep practicing until it becomes as impulsive as our carefree spending once was.
It won't be easy (and you already know that) but it will so be worth it (and you already know that, too.)
See you at the top, my friend!


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May 22, 2007
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Say 'thanks' to your paramedics Emergency Medical Services Week
Toronto's Emergency Medical Services' personnel are being honoured during National Emergency Medical Services (EMS) Week, which runs until May 26.
"We are very proud of our staff, who perform difficult work under the most challenging circumstances imaginable," said Bruce Farr, Chief and General Manager of Toronto EMS. "Huge events like World Youth Day and the Rolling Stones Concert and major crises like SARS, the Blackout and offload delay have put tremendous pressure on us. The dedication and professionalism of our whole organization, from the front line paramedics and emergency medical dispatchers, to the support staff, Sunnybrook-Osler Base Hospital staff, and headquarters and management personnel have been amazing.
"Most people only encounter paramedics at serious times, when someone they know and love is very sick or injured. I hope all Toronto residents will take the time during EMS Week to say a friendly 'thank you' to your paramedics when you see them in their ambulances - taking care of people and saving lives on the streets of Toronto," added Chief Farr.
Following a successful launch and open house at EMS Headquarters on Sunday, May 20, a number of public events and media opportunities involving Toronto EMS staff are planned for EMS Week, including:
- Toronto EMS Displays - in the East Rotunda at Toronto City Hall. Daily 9 a.m. to 4 p.m.
- EMS public information display at malls across the city
Meet paramedics and Emergency Medical Dispatchers and find out about their jobs. Explore EMS as a career
Tuesday, May 22 at Scarborough Town Centre, 10 a.m. to 8 p.m.
Thursday, May 24 at Gerrard Square, 10 a.m. to 8 p.m.
Friday, May 23 at Cloverdale Mall and Albion Centre, 10 a.m. to 8 p.m.
- Wednesday, May 23 - Emergency Medical Services Week Proclamation at Toronto City Council
Mayor David Miller will read the EMS Week Proclamation with EMS Chief and General Manager Bruce Farr at Nathan Phillips Square, 12:25 p.m.
Following the proclamation Chief Bruce Farr and several paramedics will be available for media interviews
- Wednesday May 23 - Toronto EMS Vehicles on Nathan Phillips Square
Meet the paramedics assigned to a range of Toronto EMS vehicles, including a standard ambulance, emergency response unit, gator, mountain bike and vintage 1954 Packard ambulance. Find out about the Cardiac Safe City program, and EMS Community Medicine, From 10 a.m. to 4 p.m.
- Thursday May 24 - EMS Citizen, Media and Service Awards Ceremony
The 2006 Citizen awards will be presented to Toronto residents who rendered outstanding civilian assistance to Toronto EMS. The awards ceremony will also pay tribute to EMS staff for their valour, accomplishments and community service last year. Members of the media will be recognized for outstanding coverage of EMS issues. The ceremony will take place at Denison Armoury, 1 Yukon Lane (former Canadian Forces Base Downsview) at 7 p.m. Note: This event is open to the media only.
For further information, call 416-392-2233 or e-mail firstname.lastname@example.com.
Toronto is Canada's largest city and sixth largest government, and home to a diverse population of about 2.6 million people. It is the economic engine of Canada and one of the greenest and most creative cities in North America. In the past three years Toronto has won more than 50 awards for quality and innovation in delivering public services. Toronto's government is dedicated to prosperity, opportunity and liveability for all its residents.
Media contact:
Peter Macintyre, Manager, Community Safeguard Services, 416-392-2069
Toronto maps
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Toronto links
City of Toronto 1998-2019


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Repairs for Dallas streets are getting pushed a few more months down the road.
A majority of Dallas City Council members, in an unofficial vote Wednesday, supported delaying the proposed $800 million May bond package after they couldn't agree on how much should go to streets and other city wants and needs.
Voters are likely to see the bond package on a November ballot instead.
By then, it's possible that some council members will have lost their re-election bids in May.
It was a remarkable reversal for the council. A few months ago, Mayor Mike Rawlings appeared to stand alone in advocating for a November bond package. But after some behind-the-scenes persuasion and a public plea Wednesday, Rawlings got eight of his colleagues to tentatively agree to wait for November.
Each seemed to have his own reasons for a delay. But Rawlings had a litany of explanations for why it was best to move the bond vote to November.
No one on the council agrees on how to divvy up the money. Rawlings wanted to see how a decades-old pay referendum lawsuit turns out. He pointed out the uncertainty about the troubled Dallas Police and Fire Pension System, which will require some city money to save it from insolvency.
Rawlings said he wants to get the new city manager, T.C. Broadnax, in the building to provide his guidance on the bond. He's also heard from donors who typically support bond campaigns that they won't back a May election.
And, if nothing else, Rawlings warned, "It would be weird to pass a bond program without the mayor's support."
But the biggest factor in the change of heart seemed to be that the bond package didn't have enough set aside for streets. The bond proposal presented Wednesday contained three big-ticket items: $143 million for streets, nearly $133 million for parks, more than $95 million for flood control projects and $288 million to be divided evenly among 14 council members to spend on streets, drainage and parks in their districts.
The council wanted a bond package heavy on infrastructure after years of deferred maintenance that has left many of the city's roadways in shabby shape. And the council in September approved a budget that set aside $27 million in bond money — just to keep streets in their current condition. This fiscal year ends Sept. 30, meaning that money would have to come from elsewhere. It's unclear if or how city officials would fill that hole.
Jennifer Staubach Gates, whose northern Dallas district has some of the city's shoddiest streets, said she wanted a delay mainly because her colleagues diluted the bond package too much.
"We're the council that will have to suffer from deferred maintenance and from kicking the can down the streets," Gates said. "We're the ones that are going to have to say, 'no more.' We can't give you all those pretty, shiny objects. We're going to have to take care of the streets like we all said."
Council member Rickey Callahan saw no reason to wait until November, saying his Pleasant Grove district is hurting for infrastructure.
"We're beyond tired of being tired of waiting for our streets," he said.
But the council would get push-back if it tries to junk some of the other proposals. Some of the parks, for instance, have millions of privately raised matching dollars that are awaiting a city match.
Robert Kent, the North Texas area director for The Trust for Public Land, said "parks have got to be a substantial part of the bond package" and are important to attract families to the city.
Kent's organization buys up land for parks until a government can repay them and take over. He said costs could go up and parkland could disappear unless the city commits to funding parks now.
"Without the green space, our city starts to look pretty gray after a while," he said.
Kent believes parks will be in the bond package regardless of when voters get a say on the bond package.
And a May bond package could still happen. Rawlings encouraged the minority to offer up a bond proposal within the next two weeks that everyone could agree upon. And a few council members seemed only to support a delay reluctantly.
Council member Philip Kingston believes that he would've had support for his alternative proposal if Rawlings had brought it up for an unofficial vote. His idea was to divide $500 million among 14 council districts and try to reach a consensus on the other $300 million.
Kingston didn't understand the mayor's rationale for a delay. The East Dallas and downtown council member said the bond package is necessary and would be a "pretty easy" sell to voters in May. He plans to come back in two weeks and pitch an alternative plan to get the bond package on the May ballot.
"We're going to make people vote on the record," Kingston said. "Because here is what is going to happen: If you put your hand up and say I'm going to delay fixing your streets until November or 2018 or some time, you are saying to your voters, please find somebody to replace me. That's all this vote says: 'I'm not capable of following through on the promises I made.' "


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PLEASE NOTE: All sales on reduced items are final, we will not accept returns on sale items.


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Interview: 'The Farthest' director Emer Reynolds
In late August of 1977, NASA sent the first of two probes into space. Originally intended to travel just to Saturn and Jupiter, Voyager 1 and Voyager 2 would eventually embark on a grand tour of the planets in our solar system. Their decades-long journey would take them to almost all of the planets beyond Earth and give them the distinction of being humanity's first and (so far only) deep space emissaries.
Later this summer, almost exactly 40 years after the launch of Voyager 2, "The Farthest" will premiere on PBS after screening at several prominent film festivals, including the Tribeca Film Festival, Seattle International Film Festival and AFIDOCS. Director Emer Reynolds offered more insight into her feature-length documentary while she was in Seattle for SIFF 2017.
Q: What prompted you to make a film about the Voyager program?
Reynolds: I've had a massive love of space since I was a child and was very aware of Voyager growing up in Europe during the '80s. They would have programs every-so-often about 'now Voyager is at Uranus' and a few years later, 'now it's at Neptune.' I couldn't believe the images that were coming back. There have been TV documentaries about Voyager, but it has never been given the full cinema treatment. So my producer, John Murray and I talked a lot about making a film about Voyager. It's such a romantic story of human achievement and ambition. As were we discussing maybe trying to make a film about it, that very same weekend NASA announced Voyager 1 had left the solar system and was headed out to interstellar space. It was really fortuitous, serendipitous moment where Voyager is back in the news and still achieving all this amazing stuff.
Q: How important was it for the film to strike a balance between being informative while also being able to address the profundities of Voyager.
Reynolds: I was keen to make a film that would reach a general audience but not alienate a Voyager-level audience. You want it to have enough science chops - and have some authority - but you don't want it to go over the audience's head. To find that combination was tricky but we were determined to do it. With the interviews, we were very keen to have the scientists and engineers be mindful not to talk in jargon, but to really communicate in a way a general audience could understand. And they were really on board because they really wanted to tell this fantastic adventure story - arguably humankind's greatest journey of exploration ever.
Q: The documentary features many NASA scientists who worked directly on the Voyager program back in the '70s. How hard was it to get the Voyager crew together for this film?
Reynolds: We had a big research phase to find - not only the scientists, engineers and golden record team - but also to find the great storytellers amongst all of them. We wanted people who would lay their heart open and let their humanity shine through the science. We pitched that feeling to them and said let's talk with the humanity and the honesty that this story requires and deserves.
Q: How important is it to get the general public on board with science?
Reynolds: Science is at the very heart of how we live and how we're going to keep living - especially with the population of the planet expanding. Science is going to be the very thing that keeps us here and keeps us alive. The more people know about science and engage with it as not something that is far away, dusty and not relevant; the more people plug into what we can really do and achieve; and the more people that encourage their children to be curious about the world, curious about discovery and not afraid to ask questions or not know things, the more everyone benefits. There's a darkness and an anti-intellectualism about science today - it's more important than ever.
Q: Why is it important for people today to learn about a NASA program from the '70s?
Reynolds: One of the hardest things for people to understand is before Voyager, we knew very little. People growing up now since Voyager we think all this stuff is obvious now, but when Voyager got to Jupiter, we literally didn't know that moons around other planets could be actively volcanic. We had no idea. There's still so much in our solar system that we don't understand. In the past few years, we've realized how many planets are orbiting distant stars. Before that research went into exoplanets, we couldn't even say for sure that planets did orbit other stars. Our knowledge is exponentially expanding and what that does is open our heart and our minds to the possibility that we don't know so much and we need to keep learning.
"The Farthest" screened during the 43rd Seattle International Film Festival. The documentary premieres Aug. 23 on PBS.


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'I like to think of photographing as a two-way act of respect. Respect for the medium by letting it do what it does best, describe. And respect for the subject by describing it as it is. A photograph must be responsible to both.
I photograph to see what things look like photographed.'
-- Garry Winogrand.
Thursday, 28 April 2011
Saturday, 23 April 2011
The Bends;
Its been a long time and there have been many others since but, after buying the 3 disc version and playing it all over again, I've fallen in love again with Radiohead's 'The Bends'...
That's it, all I have to say today.
Radiohead - Street Spirit (Fade Out), Live at The Astoria
That's it, all I have to say today.
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Hi, I'm Blake. my big project is a tower defence game called 'Forgive Me My Henchmen'. you play as a typical head 'bad guy', deploying henchmen and sabotaging a building to delay an unstoppable one-man army.
The official Trailer!!
Guys, It's done!! After months of work, the official trailer is finally here! Check it out:
A lot of time/love has gone into it, so I hope people are as stoked about it as I am. This is the beginning of something cool, and here is my prospective and ideal timeline:
Mid Feb: Release the gameplay trailer.
March: Run the kickstarter campaign.
April - July: Get shit done.
Mid July: Release the game.
August: Buy an island.
Not all these goals may be realistic, but I'll work my best to make em happen ;)
Cheers - Blake
kickstarter video...on a budget!
There are hundreds of 'creating a kickstarter campaign' videos on youtube. Forget all of them! I've simplified the process. There are only 3 steps you really need to know:
Things are moving forward - wish me luck guys!
Follow the game's development on twitter (@FMMHenchmen), on facebook, or follow me on twitter @BlakeMcDeezy
January monthly update
Priority One: The Trailer
I am happy to say I think the trailer for 'Forgive Me My Henchmen' is finally at a stage where it can be released in the near future...but it took a LOT of work to make it mum-proof. I've also completed a gameplay trailer - I'll link it to the official trailer when it's released so if people want to find out more about how the game actually plays, they can.
Priority Two: The Kickstarter Campaign
I am now at a stage in development where I'll need the help of others if this game is going be released, therefore it is time to launch a kickstarter campaign.
Maybe the next blog entry will be about the kickstarter campaign in more detail. I think I've thought up some pretty cool rewards...I hope people like them.
But yeah, this month ahead will definitely be the one that the official trailer, gameplay trailer, and even the kickstarter campaign will be launched...it's gonna be a big month indeed!
Wish me luck!
Fan made trailer re-cut
I've been getting feedback on my trailer through reddit. I posted a link to a reworked trailer, and lots of people have commented on that. Today, however, I had a guy message me who had gone the extra mile - he reworked my reworked trailer! Check it out!
I think the most noticeable change, however, is the cool 'video looking' overlay he put on top of the intro sequence. It does a good job of recreating that 'action-movie' feel. A similar effect will be in the official FMMH trailer (coming soon) - I have overlayed a 'Super 8' film effect, and also put some movement into the still frames to make them come alive...hopefully people will like the effect.
I've spent this last week creating a gameplay trailer, which I hope to release the same time as the official trailer. The gameplay trailer is 6 and a half minutes long and has me playing through a few levels. I am creating this because I want people who buy this to have a clear idea of what they will be actually getting, and what they can expect from the game.
Since both of these trailers are done, the only final remaining hurdle before these trailers are released is thinking through a kickstarter campaign. I am thinking of what rewards people would like, am planning a budget, and thinking through how I can actually make this happen...I've never launched a kickstarter campaign before. One thing's for sure - this game will definitely need a successful kickstarter campaign to give it that final push - I feel so close...let's hope this all works out.
Follow the game's development on twitter (@FMMHenchmen), on facebook, or follow me on twitter @BlakeMcDeezy
As you would have noticed, the four opening lines to the trailer (first draft) are:
They Pissed Him Off,
So He Fought Back,
Be The Man,
Trying To Stop Him
The text 'This Is You' with an arrow pointing to the bad guy then appears on the screen, indicating that you play as the bad guy. Although this has been clear enough for some people, it definitely hasn't been clear enough for others...
I showed my mum the trailer...and confusion reigned. After the trailer, this is legitimately how our conversation went down:
MUM: Wow! Great trailer! Of all trailers of all time, this is the best! Blake, you're so talented...you should become the CEO of Disney sometime.
ME: Thanks mum...however, a few people were saying that the trailer seems unclear.
MUM: What's unclear about it?
ME: Alot of people don't realize until about halfway through that you're playing as the bad guy...
MUM: Wait...you're the bad guy?
ME: Yes...you didn't get that?
MUM: No...when did you say that you're the bad guy?
ME: At the beginning! When I said 'Be the man trying to stop him'.
MUM: But who's him? The good guy?
ME: Yes!
MUM: Then who's the man? And who's he?
ME: Who's which man? and which he?
MUM: You say 'Be the Man'...isn't the man the good guy? And is the good guy He?
ME: No, the man's the bad guy! He's the good guy! And him!
MUM: So the man isn't He and Him?
ME: No! the man isn't Him! Him's good, and He's good! You're the man!
MUM: If you're the man, who's they?
ME: They is you! You're they! And The Man! And you're bad!
MUM: How can you be you, they, and the Man?
ME: Because you are! Mum...how is this not making sense to you?!? You're you, they, and the man who is also bad, He's him and also he! He's out to get you, the man and also they! He thinks they is you! The man! You're trying to stop the good guy, him and he! Why are you not getting this?!?
MUM: (changes topic, starts talking about the benefits of not having kids).
Anyway, that is why I've got to make my trailer mum proof! If it is, then I know the trailer is finally clear enough to be sent out to the masses. I hope when the trailer is released, it is received well because I just know people will enjoy playing as the man, they, and you while trying to delay he and him who is also good...
Clarity is my middle name.
Follow the game's development on twitter (@FMMHenchmen), on facebook, or follow me on twitter @BlakeMcDeezy
May 2019


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2nd mortgage
The term 2nd Mortgage can be used to refer to "buy to let mortgages" or a remortgage / further advance.
Buy to Let Mortgages
This is a mortgage used to buy another property other than the one you live in. This purchase is usually made as an investment with the intention of renting it out until the property has increased in value by a substantial amount and then selling it at a profit. Many buy to let mortgages are used as long term investments for a retirement fund.
Read more about buy to let mortgages.
Remortgages and Further Advances
A 2nd Mortgage can also be used to refer to another mortgage on top the one you currently have. This type of mortgage can also be called a remortgage or a further advance.
A remortgage is where you have an existing mortgage with a lender but want to take a further loan against your home. Most peoples first point of call is to approach their existing mortgage provider. However, your current mortgage lender may be unable to make you a mortgage offer due to missed or late mortgage or credit payments, a change in your circumstances (such as a reduction in income) or because there is not enough equity in your property.
If this occurs then you may wish to approach other lenders for a 2nd mortgage or remortgage as they may be willing to offer you a loan even in the above circumstances. The re mortgage provider takes what is called a second charge behind your mortgage lender. A second charge means that if the worst was to happen the monies from the sale of your house would be split with your first mortgage lender being paid first, and then your second mortgage lender would be paid from the remainder of the money. Whatever is left after the loan amounts have been deducted would normally be passed back to you or your estate.
A remortgage of this nature is likely to be offered at a higher interest rate as it would be considered a higher risk.
When taking an additional loan with your existing mortgage company then this is often called a further advance and it is exactly that, a further advance of money on top of your original mortgage. This does not mean that you will get the same rate as your existing mortgage. Your circumstances, past conduct and credit will be assessed resulting in you being made a further advance offer based on the rates available that day.
If you decide to go ahead with a further advance you may still have to provide proof of income etc, but it should be a quicker process than when you took your first mortgage out.
Your mortgage will usually be the lowest rate loan you can get. As with all borrowing, be aware that borrowing taken over a long period of time will cost you more than borrowing over a shorter period of time.
A mortgage calculator is a useful tool to help you assess the cost of a 2nd mortgage.
If you have any questions or suggestions, please post a comment below.
where to now? Mortgages Mortgage Calculator Home Insurance


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Frank Williams is the CEO of Evolent Health, a fast-growing company that helps health systems make the transformation from volume-based care (aka fee-for-service) to value-based care (payments that incentivize improved clinical and financial outcomes). According to their website, "Evolent Health helps progressive health care systems lead, build and own the path to value-based care." This means developing and implementing strategies for both clinical and financial transformation.
Transforming healthcare is complex & costly
But getting the job done can be daunting—it means new revenue models, new ways of working with physicians and delivering care, expertise and technology to manage populations, and more. Evolent provides consulting, their proprietary technology and feet on the ground (they have more than 650 employees) to do the work (together with the systems' own staff) needed to manage patients (or members if the organization wants to set up its own health plan) in the new environment.
Frank says the premium opportunity for health systems, including from Medicare Advantage, Commercial, and the Exchanges (aka Marketplaces) is in the range of $500 million to over a billion dollars. But it will require a lot of work and a big investment. He notes:
"If you think about launching a business of that magnitude, it takes tens of millions of dollars in investment to set up the business for long term success. It means everything from putting in the right technology platforms, setting up physicians organizations, and thinking through how you will have the people, processes, and technology to support all the things you want to do. It is not an easy journey, it is actually quite a complex one, and one that is going to happen over multiple years. But it is a massive opportunity for these systems to reshape their economics as they see declining reimbursement on the inpatient side."
Early successes
When asked if any of the organizations Evolent has been working with are far enough along to have results, Frank points to MedStar in the MidAtlantic region. They have been working with their employee population and were able to see the trend go from a 7% to a negative trend. He also points to Indiana University where 90 Evolent employees have been working with their physicians to transform clinical management via care management and leveraging technology. He says they have seen a "massive improvement" in some of the larger outcome metrics that you would look for in a population. They have also worked with Wake Med on getting a delegated cap on a significant number of lives.


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Jon traveled extensively over a three year period to build this body of work. Guardians is a collection of photographs exploring the camera's potential to capture the unseen. Uncertainty mixes hope, magical thinking and reminiscence. We really enjoyed working with Jon and printing for this exhibition, the pieces are printed on EPSOM Enhanced Matt and we are fully stoked with the result.
Exhibition details
Hum • 2 June - 24 June
Opens 5:30pm on Friday 1 June
Hours Friday to Sundays 10am – 7pm
Where 123 Grafton Rd.Grafton Bridge, Auckland
for more infomation click here


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Is there an emoji for the too-muchness of life?
Moments visibility is less than two feet
rats scuttle through crawlspaces
toilets overflow
a crumpled Honda lies in the driveway.
Moments impossible to drag out of bed
heater broken, house at forty degrees
husband on a business trip, really?
A message: so-sorry-your test-was-positive-
I can't find an emoji for what's-the-fucking-point
a grab-a-bottle-of-scotch-and-swig emoji
a put-your-head-in-the-oven-why-not emoji.
If you find one, please forward it
to firstname.lastname@example.com.


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Fund highlight
Novant Health Brunswick Medical Center Foundation's Patient Assistance program serves to help our patients in times of need. It will cover the cost of transportation, lodging, medical equipment and other necessities for patients who do not have the means to pay. This can be due to a variety of situations such as being uninsured, underinsured, lack of income or a major life event.
As one of two hospitals in a largely rural county, Brunswick Medical Center is often a safety net provider for the uninsured and underinsured. The foundation has spent thousands on cab rides for patients who could not afford ground transportation to leave the hospital after treatment or a procedure.
The Patient Assistance Fund will help eliminate some of the worry that is associated with a hospital stay. On an individual basis, our case management team will determine the need for financial assistance based on qualifying criteria.
By contributing to the Patient Assistance Fund, you can help a patient in need focus on what is most important: getting healthy and staying health.


text: Hey guys! I thought I would show off my G1 inspired Trailbreaker with various addons. I added Reprolabels.. which really made him pop! Then tranzformersaccessoriesbazaar's G1 upgrade kit; chestpiece, arm barrel extension, and shoulder mounted weapons. So worth it! Shapeway's hood fill piece that filled the gap behind his neck Then the cab addon in his vehicle mode, which I modified to fit properly on his right arm (I had to cut the rockets off one end of the barrel, then glued to the other end, and painted.. I had to get another set of Reprolabels to add to the cab, cut a piece to cover the passenger side window and to tranzformersaccessoriesbazaar's chest piece. And a shot with his other two G1 style companions. Enjoy!


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Custom Window Treatments in Federal Way, WA
The city of Federal Way is found within the Seattle metropolitan area. As of 2015, it was home to 95,171 citizens. Due to the population size, it is the ninth largest city in the state of Washington as well as the fifth largest in King County. It was initially a logging settlement, and did not earn the name Federal Way until 1929. The name is in reference to Federal Highway U.S. 99, which ran from Tacoma to Seattle and Everett. The city was not incorporated until February 28, 1990. This occurred after three failed attempts in 1971, 1981, and 1985.
The city offers lots of attractions, and in the summer of 2018 alone it will host three major events. This includes the National Special Olympic Games, the International Underwater Robotics Competition, and the Girls USA Fast Pitch National Championship. With so much to do in the city, it is no wonder it receives over a million tourists each year.
For the best custom window treatments in Federal Way, WA, Pugerudes is the superior choice. We proudly offer Hunter Douglas products, which offer the most extensive range of window treatments. At our showroom, we have interactive displays and material samples, so you can see the window treatments for yourself before buying. We also have an experienced staff that can help you find the right window covering for your home.
Hunter Douglas is the premier brand for window treatments. Their products are focused on innovative original concepts while still maintaining a beautiful exterior. They are committed to finding new ways to give customers the highest possible value. Hunter Douglas has made strides in the industry and set standards that competitors now try to follow. They offer numerous types of high-quality window treatments including shutters, shades, and blinds.
Groundbreaking operating systems allow individuals to open and close their window coverings in a manner that works best for them. One of their finest technological advancements is the PowerView motorization operating system. This completely wireless operating system allows the customer to control their window treatments by using an app on their smart device or a remote control. There is no longer the need to physically adjust them anymore. This option provides the user with unparalleled convenience.
Hunter Douglas also can improve the energy-efficiency of your home with their Duette Honeycomb Shades. This style of shades is able to conserve energy usage, and they can save you money on your energy bills. Their window treatments are multifaceted and can provide multiple benefits to your home.
Hunter Douglas custom window treatments offer countless design options. This allows you to create window coverings tailored to suit your tastes and match your home décor. With a wide variety of products, crafted out of numerous resources and in different styles, it makes it easy for everyone to find something right for them. Only the finest fabrics are selected; they are available in a range of opacities so you can achieve your desired level of light and privacy. The utilization of the best crafting techniques allows Hunter Douglas window treatments to be built to last a lifetime. For a durable and chic custom window treatment, the only option is Hunter Douglas.
To add Hunter Douglas window treatments to you home, contact the experts at Pugerudes today. Our showroom is in Kent, WA, where we provide service to the entire Greater Seattle area, including Federal Way, Auburn, Renton (including Fairwood Community), Black Diamond, Maple Valley, Normandy Park, Covington, Newcastle, & Des Moines.


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Say goodbye to 2014 on a musical note: here are some beautifully crafted pages about artists, songs, albums, and lyrics that made their mark this year. Designs of the Week Need help in promoting your site? INeedHits has been in the search engine marketing since 1996! Love the cassette tape of course, and its pretty immersive layout. It's all about listening to the … [Read more...]
Archives for December 2014
Design Focus: Christmas 'Round the Corner
Wishing you the happiest of holidays with these beautiful, useful, and fun Christmas-themed treats! Designs of the Week Search Optimized, Turn-Key Designs, Unlimited Everything. Start building with the Genesis Framework today. Social Media Weekly Get solid WordPress themes, plugins, and even design training from iThemes. CSS - How … [Read more...]
Design Focus: Experiments & Visualizations
Check out these websites featuring code turned into fun, beautiful explorations—the ultimate interactive treats. Designs of the Week Get solid WordPress themes, plugins, and web design training from iThemes. You can draw on the webpage, and from the generated dots appears different projects the designer has worked on, all connected to one another in dynamic, … [Read more...]
Do Web Designers Still Matter in Today's Online World?
Web designers arguably bear the sole responsibility of connecting small businesses and start-ups to the online world. It doesn't matter if the owner has a sound online plan in place for his business if their site design is unappealing and takes time to load. In order to ensure that their plans will come into fruition, therefore, business owners must hire talented and skillful … [Read more...]
Design Focus: Light & Shadow
Mesmerizing interactions of light and shadow are on display for this week's feature. Designs of the Week Pagelines lets you build WordPress websites and it's as easy as drag and drop, go check it out! Very editorial, but not static. Video plays while masked in a silhouette, while text moves, splices, and changes while overlaying brightly filtered photos. A … [Read more...]


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Most IT Related Services from Computer / Laptop Repairs, Upgrades, Service & More. We can Also Remotely Connect to you PC / Laptop to Fix Most Problems. (Save You Bringing to Us & Quickly Repaired)
We Repair , iPhones,iPads , Mackbooks , Samsung Phones, Samsung Tablets. ( Not in our Workshop) can take 3 Days
We Repair All Models of Portable TomTom Units. We Can Update the Maps, Cameras and More More. We do NOT Repair any other Brand of Navigation systems
Business Website design. ecommerce "Shopping Website". Web application development. ( Invoicing, Job Booking, Management)
You can walk-in to our Shop without an appointment.
But to speed up the process you can also Book your Job with Details Online with us.
Why Register and Book Online ?. By Registering & Booking Online, You Can Book a Job Online to Save you time when, Coming to the Shop.
or Booking a Call Out Job,
or a Remote Support Job.
Also, there are many other Benefits. Such as
Computer Repairs Centre Services. Laptops, PCs, TomToms & Website Design Since being Established in 2008. We have Learnt to get the Job / Service done as Quickly & Efficiently as possible. By follow the Procedure shown here :
We have In store Printing , emailing , Photo copying and scanning documents Facility.
up to A3 Page scanning with our high-end business Printers / Scanner. For that clean professional quality and both sides of the document pages.
Colour printing up to A3 page size. On both side with our professional Business Printers.
We Have a Fixed Price Guide in our Shop for the Most Common Repairs .
Our Callout Charge is £20 Plus the Work involved. On average we charge £30 an Hour for On-Site Work & less for work in our Workshop.
We Dont charge VAT
Minimum Charge for TomToms £5
for Laptop / PC £25
for Tablets / Phones £10
On Call & Ready & Waiting
Most IT Related Services from Computer / Laptop Repairs. Upgrades, Service, even remotly as long as you can connect to the internet !.
" Click Here for the Support File "
Only for Remote Connection
Monday to Thursday
10.30 AM Till 6PM
Friday : 3PM Till 6PM
Saturday : 12 Till 3PM
Sunday : Closed
Open Most Bank Holidays
Computer Repairs Centre
624 Bradford Road , Batley WF178HF
01924 472730
Email Us : info @ Computerrepairscentre.co.uk


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Mosh and March this Jan. 21 at a Girl Power Concert @ The Fremont
Did you attend the march against Trump a few months back? Remember the sweat and the resistance and the collective power we felt, marching as one against hate? Well, let's do it again, OK? Let's get together in a public space and get real noisy. Let's get brash, brazen and BOLD with our compassion and love. Let's CRUSH the patriarchy with tender togetherness.
Let's shed some light into the darkness of Trump's ego and his terrifying gang - they will wither in the sunlight like the ghouls they are. Lets show up--body and soul--for all the little girls (and little boys) and LBGTQ babies who inhabit and will inhabit this planet.
Some things will never be OK. Marginalizing, diminishing, demonizing, defunding, objectifying and assaulting women is normal in Trump's America. We don't have to live in that place. We can and will rise above. We will not let this fly. It is not normal and it is not OK.
Let's bust out the markers, make some DIY signs, and meet up at the SLO Women's March coming up this Jan. 21 in Mitchell Park in SLO. Then, lets rock out to a boisterous and heartfelt girl power concert bringing together a gaggle of SLO lady musician collaborators under one roof!
WHAT: Jan. 21, 2017, The Fremont, San Luis Obispo, CA - A group of passionate local SLO County women musicians, vocalists, poets, and artists are raising their voices in support of human rights, female empowerment, and unity.
WHERE/WHEN: United We Rise: A Concert for Change will kick off at the Fremont Theater main hall from 2 to 4 p.m. directly after the SLO Women's March taking place at Mitchell Park and commencing throughout downtown. SLO City Mayor Heidi Harmon will take the stage for a speech midway through the musical performances.
WHO: Music collaborations will be performed by:
* Speech by SLO City Mayor Heidi Harmon
Inga Swearingen
Kristen Black
Reese Galido (The Kicks)
Shawna Marie (Captain Nasty)
Linda Martin (Back Bay Betty)
Allison Jeanette (Foxx & Rice)
Colleen Gnos
Lee Ann Vermeulen-Roberts
Hayley Cain (Hayley and the Crushers)
Amaris Laurette Taylor (Zen Mountain Poets)
Ananda Sarabalis
Emily Franklin
Erin Inglish
Lauren Riffle (Mama Tumba)
Noach Tangeras
Rachel Santa Cruz
Hilary Langdon (Tipsy Gypsies)
Shea Kelly (Hot Tina)
Melody Klemin
Talia Phillps - Ortega
Rose Hall (Hot Tina)
INVOLVEMENT: This grassroots concert is presented by Good Medicine Presents and is a volunteer effort. Men, women, children and members of the LGBTQ community are welcome to attend, sing along, and speak their truth. The concert offers up a safe, non-violent, inclusive space where inspiration, healing, and unity can grow.
"Our intention for the show is: women rising together to declare that our future will not be dictated by fear, lies and hate. We stand loudly and clearly for love, community, collaboration and human rights," said concert organizer Shawna Marie.
COLLABORATION: The group of local musicians varies in age, musical style, and walk of life. However, they will all band together to play both original and cover songs. Many will be collaborating together for the first time. Organizer Korie Hill Newman of Good Medicine Presents is excited about this level of cooperation among the artists. Poetry and spoken word performances will add another layer of color and humanity to the event.
TICKETS: For up-to-date additions and ticket info, please go to the Facebook Event Page here.
BENEFICIARIES: Please note: This concert is not officially affiliated with the SLO Women's March, although the members support its mission and values. Proceeds from the show will benefit Transitions-Mental Health Association and Planned Parenthood Central Coast.
For interviews, volunteer info and more: Please email email@example.com


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Forsyth in Monroe County, Georgia — The American South (South Atlantic)
Tift College
Erected 1957 by Georgia Historical Commission. (Marker Number 102-7.)
Marker series. This marker is included in the Georgia Historical Society/Commission marker series.
Location. 33° 2.111′ N, 83° 55.767′ W. Marker is in Forsyth, Georgia, in Monroe County. Marker is at the intersection of Tift College Drive and Dungan Street, on the right when traveling west on Tift College Drive. Touch for map. Marker is in this post office area: Forsyth GA 31029, United States of America. Touch for directions.
Other nearby markers. At least 8 other markers are within 2 miles of this marker, measured as the crow flies. Confederate Hospital Camp Bessie Tift College (approx. ¼ mile away); Georgia Militia at Forsyth (approx. ¼ mile away); Confederate Dead and Hospitals (approx. half a mile away); Forsyth (approx. 0.6 miles away); Where Uncle Remus Came of Age (approx. 0.6 miles away); Monroe County (approx. 0.6 miles away); State Teachers and Agricultural College/Hubbard Training School (approx. 1.7 miles away). Touch for a list and map of all markers in Forsyth.
Regarding Tift College. Tift College merged with Mercer University in Macon in 1986, and was closed in 1987. After several attempts to sell the campus or find other uses, the state has acquired the property and is remodeling it to become the Headquarters of the State Department of Corrections in 2010.
Categories. • 20th Century • Antebellum South, US • Education •
More. Search the internet for Tift College.
Credits. This page was last revised on June 16, 2016. This page originally submitted on December 20, 2009, by David Seibert of Sandy Springs, Georgia. This page has been viewed 1,043 times since then and 15 times this year. Photos: 1, 2, 3. submitted on December 20, 2009, by David Seibert of Sandy Springs, Georgia. • Craig Swain was the editor who published this page.


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I am so excited to share the music video for "Song for a Spinster." Conceived in Hannah Cyrus' fever dream in 2011 and filmed last May in Brunswick, Maine with a ragtag band of the best people, it's finally ready to debut. Huge thanks to the Pejepscot Historical Society for letting us film in their incredible historic Skolfield-Whittier House-- go read up on its weird and wonderful history and check them out on Facebook. Hope you enjoy it!
Music video for "Song for a Spinster" by Malachi Graham
starring Lianna Bessette
directed by Malachi Graham & Hannah Cyrus
costume design by Hannah Cyrus
cinematography by Malachi Graham
best boy: Jade Hopkins
poem: "Wild Nights" by Emily Dickinson
filmed in Brunswick, Maine
Special thanks to the Pejepscot Historical Society, the Skolfield-Whittier House, the Bowdoin College Department of Theater and Dance, the Bowdoin Film Society, Jennifer Blanchard, Sarah Glaser, Emily Dickinson, Julie McMurry, and Deb Puhl


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The 2015 Hyundai Tucson serves up a satisfying blend of fashion, features and maneuverability, but other rival small crossovers can do that, while providing superior versatility and a more enjoyable driving experience.
Capable of being comfortable, spacious and economical, crossover SUVs are some of the most popular family automobiles on the road today. Practically every automaker has answered the call for these versatile vehicles, and as a result there are lots of impressive crossovers from which to choose. Hyundai's 2015 Tucson is a compact crossover that is certainly likable for its maneuverable dimensions and stylish exterior, but up against plenty of excellent competition, it seems to need more to stand out.
This spritely Hyundai isn't without virtue, but there are several things holding it back from being a top choice. The 2015 Tucson eases over small bumps and highway imperfections while also being easy to maneuver in to parking spots, but it doesn't fare so well if you're trying to pack all the family gear for vacation. Passenger space is adequate, but the Tucson has less cargo space than pretty much all of the segment leaders. The smallish footprint of the Tucson seems to be paired with a similarly underpowered base engine, too. Decent performance can be had with the optional 2.4-liter engine, but there are much more inspiring options out there.
With a smaller-than-average footprint and less powerful engines, you'd think the Tucson would do well on fuel economy -- and for the most part, it does. During Edmunds testing, we found the Tucson's EPA-estimated 24 mpg combined an easy number to achieve. Most rivals, though, can offer better mileage numbers to start with, and the best rivals return numbers as high as 30 mpg combined.
As previously mentioned, there's quite a bit of selection in the crossover segment these days. The excellent 2015 Mazda CX-5 is one of the sleekest crossovers available, and it's one of our favorites to drive. Where the Tucson is uninspired and rather dull to drive, the CX-5 is responsive and fun and has a particularly upscale interior. The Honda CR-V and the 2015 Ford Escape are two of the most well-rounded vehicles in the segment, thanks to quiet, upscale interiors and laudable fuel economy ratings. The CR-V and the Escape also have more cargo capacity than the Tucson. A closer match for the Tucson in terms of size is the 2015 Jeep Cherokee, but even the Cherokee is laid out in a way that the backseat offers more passenger space.
Compared to such strong competition, the Edmunds "C" rated 2015 Hyundai Tucson is a passable choice, but its rivals are a bit harder to resist.
The 2015 Hyundai Tucson is a five-passenger compact crossover SUV offered in three trim levels: GLS, SE and Limited.
The base GLS comes standard with the 2.0-liter four-cylinder engine, 17-inch alloy wheels, privacy glass, LED running lights, a rear spoiler, cloth upholstery, air-conditioning, full power accessories, a trip computer, a height-adjustable driver seat, 60\/40-split-folding rear seatbacks with recline, Bluetooth phone and audio connectivity, a tilt-and-telescoping steering wheel and a six-speaker sound system with a CD player, iPod\/USB connectivity and satellite radio.
Available as an optional extra on the GLS is the Popular Equipment package, which includes automatic headlights, a 4.3-inch touchscreen display, a rearview camera, a six-way power driver seat (with two-way power lumbar) and cloth\/premium vinyl (leatherette) upholstery.
The SE gets all of the above equipment, along with the bigger 2.4-liter engine, foglights, heated side mirrors, sport body cladding, roof rails, heated front seats and rear climate vents.
Step up to the Limited and you'll get 18-inch wheels, chrome exterior trim, keyless ignition and entry, leather upholstery, dual-zone automatic climate control, an auto-dimming rearview mirror, Hyundai's Blue Link telematics and a retractable rear cargo cover.
Optional for the Limited is the Technology package, which adds LED taillights, a panoramic sunroof, an upgraded seven-speaker sound system, a 7-inch touchscreen, HD radio and a navigation system.
Many budget-conscious shoppers will be tempted to choose the smaller 2.0-liter engine in the base GLS version of the 2015 Tucson. But price range permitting, we recommend stepping up to the SE or Limited, as those trims get the stronger 2.4-liter engine, which returns nearly the same fuel economy.
On the highway, the Tucson rides quietly and comfortably. With its low-effort steering, the Tucson also navigates the concrete jungle and as nimbly as a compact hatchback car, and it remains composed around sharp turns, too. The Tucson's diminutive dimensions help it achieve a tidy turning circle, and in general, the Tucson gives you the comfort of a bigger crossover without feeling as large.
The 2015 Hyundai Tucson offers two different engines. Each is paired with a six-speed automatic transmission. Front-wheel drive is standard and all-wheel drive is optional.
The GLS comes with a 2.0-liter four-cylinder that produces 164 horsepower and 151 pound-feet of torque. EPA-estimated fuel economy is 25 mpg combined (23 city\/29 highway) with front-wheel drive and 23 mpg combined (21\/25) with all-wheel drive.
Both the Tucson SE and the Limited get a larger 2.4-liter four-cylinder engine that makes 182 hp and 177 lb-ft of torque. Fuel economy stands at 24 mpg combined (21\/28) with front-wheel drive and 22 mpg combined (20\/25) with all-wheel drive.
In Edmunds testing, it took 8.4 seconds for a front-drive Tucson Limited to go from zero to 60 mph. That's better than average for a base model compact crossover with a base engine, but rather slow for one with a supposedly upgraded engine. On a 116-mile Edmunds mixed-driving evaluation loop, we were able to slightly surpass the EPA's combined fuel economy estimate, getting 26.6 mpg.
Standard safety features on the 2015 Hyundai Tucson include antilock disc brakes, stability and traction control, active front head restraints, front side airbags, side curtain airbags, a hill-holder feature and hill descent control. A rearview camera is standard for the SE and Limited trim levels. The Blue Link telematics suite, standard on Limited, includes emergency safety assistance, stolen-vehicle tracking, geo-fencing (allowing parents to set limits for teen drivers) and other smartphone-based features via the Blue Link mobile app.
In Edmunds brake testing, the Tucson Limited with two-wheel drive came to a stop from 60 mph in 124 feet, a slightly longer-than-average distance for this segment.
In government crash testing, the Tucson received four out of five stars for overall crash protection, with four stars for total frontal impact protection and five stars for total side impact protection. The Insurance Institute for Highway Safety gave the Tucson its top rating of "Good" in the moderate-overlap frontal-offset impact test. In the IIHS's small-overlap frontal-offset test, however, the Tucson earned the lowest rating of "Poor." In the remaining tests for side impact safety, roof strength and head restraint and seat design, the Tucson earned a "Good" rating.
The 2015 Hyundai Tucson has an unusually stylish cabin, highlighted by a sleek dashboard that complements the exterior's striking lines. Unfortunately, the Tucson's outward visibility is compromised by its organic pinched-at-the-edges side windows and relatively small rear glass. The dashboard controls are generally clearly labeled and simple to use, especially with the optional 7-inch high-resolution touchscreen interface. The default 4.3-inch touchscreen on the SE and Limited is less impressive, but still a nice bit of standard technology at this modest price point.
Up front, a tilt-and-telescoping steering wheel finally is standard, so tall drivers should be able to get a comfortable grip in every Tucson. The rear seat, however, is a bit smaller than the norm, and although it features reclining 60\/40-split seatbacks, the bench still doesn't slide fore and aft, which would be handy in the compact Tucson for optimizing the balance of passenger and cargo space.
To be fair, the 25.7 cubic feet of cargo room behind the Tucson's rear seatbacks is useful; so is the 55.8 cubic feet with those seatbacks folded down (even though they don't fold completely flat). But compared with segment rivals like the Honda CR-V and the Toyota RAV4, the Tucson's hauling capacity falls well short.
Eye-catching styling; conveniently compact dimensions; comfortable front seats; smooth ride quality; lengthy warranty.
Modest backseat and cargo space; leisurely acceleration with base engine.


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PORTSMOUTH — Members of "Save the Portsmouth Indoor Pool" movement are expected to make a splash at City Hall tonight and address city councilors on plans for citywide capital improvements, namely the aging pool facility.
Co-organizer Tom Conneen said he expects a large number of members will take advantage of a public hearing scheduled to gather input from residents on the $1.5 million coming from the general fund to support $28 million in projects.
The 2011-2016, $186 million CIP is made up of earmarks for future projects and involves a significant amount of money coming from outside sources, including state and federal agencies, public-private partnerships, bonds, enterprise funds and other sources of revenue. It was adopted by the Planning Board on Jan. 21.
The city is considering bonding nearly $1 million for major improvements to the pool. City officials say the pool is in major need of repairs to its roof, filtration system, gutter system, drain system and liner.
In early February, City Manager John Bohenko announced a recommendation to close the pool in order to save the city roughly $536,000 a year in operating costs. Bohenko said he considered the recommendation one of the toughest he's ever had to make but was done so as part of a difficult budget season. The council will have ultimate say on its closure as a part of ongoing budget deliberations.
Shortly after the announcement, a group of concerned residents formed the SIPP and began to strategize on ways of convincing the council to keep the pool afloat.
As one of the co-organizers of the group — which now has more than 400 fans on its Facebook page — Conneen said instead of closing the pool the figure currently allocated in the CIP should be deferred until an engineering study is done. Conneen said he will be unable to make the meeting himself due to business abroad but expects plenty of members to attend.
"I propose that we scale back and do only what is prudent to keep the facility operational and useful for the community until more is known about our future," Conneen said in a written statement. "We should defer the capital improvement funds in the CIP to avoid the large annual bonding expense and allocate up to $10,000 to complete an engineering study that will define the true long-term costs required to maintain the pool as a valuable city asset."
Conneen said he doesn't dispute the indoor pool is overdue for repairs and renovations, but urges that the urgency and magnitude of the repairs require a second look.
"There has been no 'study' completed — only an estimate generated by pool staff with the lofty goal of comprehensive renovation," he said.
Based on consultation with pool personnel familiar with the facility and feedback from firms that provided the original quotes, Conneen said he believes that up to $10,000 in repairs would sustain the pool for at least a couple years.
"Certainly seems worth evaluating further before draining the pool," he said.
The City Council has already held one work session on the CIP plan. City staff is expected make a presentation giving the public an overview of the proposed capital plan. The city charter requires the adoption of CIP before the city manager submits his budget to the City Council. Bohenko has suggested the council adopt the plan at the March 15 meeting, but the council will have until April 5 at the latest.
Large projects identified in general fund portions of the FY 2011 CIP include $200,000 in sea wall repairs; $200,000 for a municipal complex elevator replacement; $100,000 in playground improvements; $100,000 in municipal complex storage building replacement; a $100,000 turning lane upgrade on Woodbury Avenue; $100,000 for the rehabilitation of Maplewood Avenue; and $100,000 for Islington Street streetscape improvements.
Other items include: a citywide traffic signal upgrade at $75,000; $70,000 for traffic calming on Ocean Road; $50,000 for citywide intersection improvements; $50,000 for the implementation of the Peirce Island master plan; $50,000 for the city way-finding system; $40,000 for Prescott Park building improvements.
The entire list of projects identified in the 2011-2016 CIP can be viewed at the city's Website, www.cityofportsmouth.com.
Portsmouth's aging pool in spotlight during CIP review
PORTSMOUTH — Members of "Save the Portsmouth Indoor Pool" movement are expected to make a splash at City Hall tonight and address city councilors on plans for citywide capital improvements, namely the aging pool facility.


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Students of ancient history should not just be writing about historical strategies, but they should be employing their own when they sit their HSC examination.
It is crucial that students pay close attention to timing, marks and response length when they answer questions, says Colo High School's head teacher, History, Dennis Lendon. To make the best use of time, you can answer high-mark questions first. You don't have to start with Section I.
"The mark awarded to each question should determine how much time you spend on it and how long it should be," he says.
The Ancient History exam runs for three hours and includes four sections, each worth 25 marks. Section I contains a mix of multiple-choice and short-answer questions. Section II includes four or five-part questions, often with a compulsory source for one of the questions, either (a) or (b), not both.
In Section III, students select their chosen question, which often has two or three parts. In the final section, students choose between two alternative questions.
Students should be comfortable with the "narrative" of their topic, whether it be a society, personality or period they have studied, Lendon says.
"This will help you detect different perspectives from modern texts, as well as helping you shape your own perspectives based on relevant sources," he says.
Students should also have a thorough historical vocabulary of terms, including societal structures, social values, place names, buildings, events, archaeologists, methodologies and inscriptions.
"Used at the right time and place, they enhance the authority of the written piece."
Lendon recommends constructing a table including both written and archaeological sources, but warns students to make sure they refer to the sources in the right context.
"Sources are not to be confused with the considered opinions of 'modern' historians. Read a range of ancient written sources." Lendon suggests reading at least two reliable scholarly texts, as well as the textbook.
"While textbooks provide a safe beginner's narrative to commence your reading, they should not be passed off as historiographical works," he says.
Lendon recommends starting a study program early. "A little study increased over a long period is often more useful to your memory than one mighty concentrative effort a week before each exam," he says.
He especially recommends practising old exam papers under exam conditions, then checking the answers.
Sample question - Ancient history (25 marks)
Historical periods
Rome: The Augustan Age 44BC-AD14
(a) "... Augustus kept for himself all the more vigorous provinces - those that could not be safely administered by an annual governor; the remainder went to proconsuls chosen by lot. Yet, as occasion arose, he would change the status of provinces from imperial to senatorial, or contrawise."
- Suetonius, Life of Augustus 47
With reference to the quotation, evaluate the success of Augustus's management of the frontier and provinces.
(b) Discuss the contribution of Agrippa to the establishment and consolidation of Augustus's rule.
When Lucy Nason sat down to her Ancient History exam she was drawing inspiration from Hollywood blockbusters and pop culture alongside her classroom textbooks.
Nason scored 99 out of 100 in her exam, topping the state and securing a place at Oxford University in England where she will study history and politics from October.
Her advice to students facing the exam this year is to back up all key points in the exam with reliable sources.
"If you do that, it's very difficult for them to not give you marks because you're providing reasons and supporting yourself," the 18-year-old says.
"I created source pages for every topic and every dot point or sub-topic within those topics, and that was really helpful."
She also suggests that students look beyond textbook learning when they are searching for more inspiration about Ancient History.
"I found one way to really get into my studies was to read around my topic . . . stuff like Percy Jackson and watching Rome or Gladiator - they're not very historically accurate but they gave me a bit of interest in the period," she says.
"It helped with my motivation and my engagement with Ancient History because I had mental pictures, which is hard to get from reading textbooks."
The former Kambala student also suggests regular study breaks to help information sink in.
Avoiding overload is key: "I'd study for an hour, and then take a break and give myself an hour off to make sure everything stayed fresh," she says.
Ancient History
Section I - Cities of Vesuvius: Pompeii and Herculaneum
Part A: Source-based objective response and short-answer questions (15 marks)
Part B: One source-based question (10 marks)
Section II - Ancient Societies
One question in parts (25 marks)
Section III - Personalities
One question in parts (25 marks)
Section IV - Historical Periods
Answer one of two extended-response alternatives (25 marks).
For more information visit the BOSTES website: www.boardofstudies.nsw.edu.au


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North Cumbria University Hospitals NHS Trust - 70 years of the NHS
All babies are different, and it may depend on the type of birth you've had. Your baby should feed within the first hour after birth to get off to a good start then they should begin to show signs that they're ready for the next feed. These signs include:
If your baby doesn't have a feed in the first hour, try skin-to-skin again, putting them to your breast as soon as possible so that they're not left without a feed in the first six hours.
Baby-led feeding or 'on-demand feeding' is important because a newborn baby's stomach is only the size of a walnut, therefore they will need to feed 'little and often'. Your baby can have a good feed and be hungry again quite quickly. Babies go through patterns of feeding more and less as they grow. Letting them feed when they need to will ensure that they're content and getting the milk they need, when they need it.
Every baby is different – some babies want frequent, short feeds and others prefer feeding for longer. Let your baby finish the first breast, then offer the second. If your baby feeds all the time and you're worried, speak to your midwife or health visitor.
Yes, you can. Make sure you get a skin-to-skin cuddle with your baby as soon as you're able to in the theatre or recovery room. If you keep your baby close to you and maintain lots of skin-to-skin contact, it will stimulate your milk supply. Ask your midwife for pain relief before you're likely to feed your baby so that you can feed comfortably.
Exclusive breastfeeding (with no other food or drink) is recommended for around the first six months of a baby's life. After this, breastfeed alongside other foods for as long as you and your baby wish.
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Believe it or not, nobody likes it when your dog jumps up. Except maybe YOU!
Today, discover how to get your dog to stop jumping up through affirmative expectation.
In this episode, you will learn a comprehensive method to get your dog to stop jumping up.
Show Highlights
- There are many theories out there as to why dogs jump up.
- The main one that Bennie has heard is that a dog wants to be near your face so that it can smell your scent.
- Bennie isn't 100% sold on this theory.
- From an owner's standpoint, this would be a logical explanation and it sounds conceivable.
- From Bennie's experience with dogs:
- Dogs jump up on all people, not just the owner.
- He has read that it comes from wild, where dogs meet by smelling and licking each others faces.
- Although this does happen, he does not see that as a general rule, especially in greetings.
- There are three main reasons I have learned that a dog jumps up:
- Very Active and Friendly Dogs
- Protection/Territorial
- Dominance
- If you are aware of the reason your dog is jumping then how you work on the jumping up can be different.
- You have to understand what you want your dog to do in any given situation.
- Understanding why your dog may be jumping up allows you to assess the situation as it happens and react to your dog appropriately.
- The most common reason is the very active and friendly dog.
- Even though this is the most common reason dogs jump up, the other two reasons is why Bennie receives most of his calls.
- In the case of a friendly greeting, the dog just wants attention and because people are normally upright, it is the best way to get that attention.
- What happens when a dog jumps up on you or your friends?
- You give it all types of attention!
- You may push or pull you dog off.
- You may yell at your dog from across the room.
- You might even grab or spank your dog.
- All of these actions are attention for the behavior.
- They are mainly actions that involve two very important things from you: physical touch and eye contact.
- There is a habit that most people do and do not even realize they are doing it.
- You always want your dog to look at you before you give a command or instruction – right?
- Why wouldn't you expect the same treatment from your dog when she wants attention?
- Look for triggers in your home and in your life that create a situation where your dog would want to jump up:
- Coming home is a common time for a dog to want and need your attention.
- A knock on the door or the doorbell.
- When kids get excited with each other or are running around.
- The other two reasons: Dominant & Protective go hand-in-hand.
- Bennie was reading a blog from Victoria Stilwell and agreed with her assessment of:
- When dogs are jumping out of Protection, Guarding Territory, and Dominance it is a way to stop you from going any further.
- If you go into a friend's home and their dog jumps up on you, you may want to do a quick look to see the dog's demeanor.
- If the tail is stiff, not moving excitedly, and that jump seemed more to stop you than to get your attention, do not reach down and touch that dog!
- The biggest problem Bennie sees in all forms of jumping up:
- Bennie training style and lessons always teach that any attention is praise when your dog is making a choice or has a big reaction to something.
- In every case here, no matter if that attention was good or bad, your dog gets attention for the behavior and in most cases, the biggest attention ever: touch!
- Ep 066 has a very similar practice on Counter Surfing.
- The big difference this week and a much more difficult practice is that people will be involved and people are unpredictable.
- In order to get your dog to learn to stay on all four legs when greeting you or your friends, you must have very good trust with your dog first.
- By practicing this on a daily basis, you will not only be teaching your dog to learn a great lesson, you will be building awareness for what you want from your dog to do.
- Your dog has two choices when greeting you:
- Either jump up or stay on all fours.
- Be sure that when you give your dog this opportunity, you have already put her leash on.
- This gives you the opportunity to correct without touching her.
- A big mistake Bennie sees is that when someone gives a correction, they have a tendency to pull the dog toward themselves instead of away from them-self.
- In this practice, you will be pulling your dog off of you either to the left or right. When you pull the leash say, "NO". Then stand still, let the leash loose, (don't let it go) and give your dog the opportunity to make those two choices again.
- If your dog jumps up two more times and you give the correction then you have to separate yourself and your dog.
- Put her up.
- This is not a punishment, this is taking a break.
- The purpose of a correction is not to hurt your dog or create fear.
- Sometimes that is what happens and you have to allow your dog the time to process any correction you give.
- The purpose is so that your dog understands that attention will not be given to that behavior.
- When you give a proper correction, your dog should land on the floor facing away from you.
- Give her time to respond to that correction. Allow her to understand it for what it was -stop doing what she was doing and pay attention.
- This, again, is what NO means!
- Now comes the hard part:
- When you start this process on yourself or anyone else, it is inevitable that your dog will approach someone staying on all four legs and you will say and do nothing.
- Why?
- Because you are looking for you dog to jump up and waiting to correct rather than looking for your dog to do what she is doing, staying on all fours and praising for that behavior.
- This is why you have to say it in the affirmative!
- Bennie makes his clients say…"I want you to choose to stay on all four legs when greeting me or my friends," before they ever really get what they are looking for with their dog.
- So, here is the homework:
- Every time, you are going to set your dog up in a situation she usually chooses to jump up, you have to say to her, "I want you to choose to stay on all fours."
- But wait!
- There are many times when you have to greet your dog and you have not had the opportunity to put the leash on. Here is what you do, and a great practice for ignoring your dog's behavior:
- Utilize body language such as:
- Turning your back
- Crossing your arms
- Facing away from your dog
- These all help deter your dog and will show her that she will not get attention from you when she is jumping.
- This works great with all dogs (unless they can knock you down!)
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An updated and expanded 2nd edition (first edition)
Why read this post?
Learn why high-stakes data is essential for building accurate credit-scoring models.
Billions of people lack traditional credit histories, but every single person on the planet has attitudes, beliefs, and behaviors that can be used to predict creditworthiness. Quantifying these human traits is the focus of psychometrics, and the alternative data provided by this technique allows LenddoEFL to greatly expand financial inclusion in its mission to #include1billion.
But there is a catch: in order to build models that accurately predict default, applicants need to complete psychometric assessments in pursuit of actual financial products, a so-called "high-stakes" environment. This is because people answer psychometric questions differently when they have a chance to receive a loan (the high stakes) than they would in a hypothetical situation with no incentive (the low stakes).
Despite this fact, psychometric tools are frequently built using low-stakes data. For example, many companies develop psychometric credit scoring tools using volunteers. And many lenders want to validate psychometric credit scoring tools on their clients through back-testing: giving the application to existing clients and comparing scores to their repayment history, again a low-stakes setting.
These approaches are only valid if low-stakes data can be applied to the real world of high-stakes implementation, where access to finance is on the line for applicants. But it turns out that this is not the case. A recent study published by our co-founder Bailey Klinger and academic researchers proved that low-stakes testing has no predictive validity for building and validating psychometric credit scoring models in a real-world, high-stakes situation. The data below shows exactly how applicant responses shift as they move from one environment to another.
The Experiment
To test for differences between low- and high-stakes situations, LenddoEFL gathered psychometric data from two sets of micro-enterprise owners in the same east-African country. One group already had their loans (low-stakes) and another group completed a psychometric assessment as a part of the loan application process (high-stakes).
First, the low-stakes data. The figure below shows the frequency distribution for two of the most important 'Big 5' personality dimensions for entrepreneurs, Extraversion and Conscientiousness, as well as a leading integrity assessment[i].
You can see that when the stakes are high, people are answering the same questions very differently. The distribution of scores on these three personality measures shifts significantly to the right. When something important is at stake, like being accepted or rejected for a loan, people answer differently.
How do these differences in low- vs. high-stakes data matter for credit scoring?
To see how these differences impact the predictive value of psychometric credit scoring, we can make two models[ii] to predict default: one uses responses from applicants that took the application in low stakes settings, and the other uses responses from applicants that were in high stakes settings. Then we can use a Gini Coefficient—which measures the ability of a model to successfully rank-order applicants' riskiness and for which a higher coefficient is a metric of success in this—to compare each model's ability to predict default for the opposing population as well as its own.[iii]
These results clearly show that there is a significant change in the rank ordering when models built on low-stakes data are applied in high-stakes settings and vice versa.[iv] Importantly, we can see that a psychometric credit-scoring model can indeed achieve reasonable predictive power in a real-world, high-stakes setting. But, that is only when the model was built with high-stakes data.
Think about it like this: when the stakes are high, both less and more risky applicants change their answers. But, less risky applicants change their answers in a different way than riskier applicants. This difference is what is used to predict risk in psychometric credit scoring models: the difference between how low- and high-risk people answer in a high-stakes setting.
This also illustrates why we see that a model built on low-stakes data is ineffective in a real-world high-stakes implementation. In the low-stakes setting, the low- and high-risk people aren't trying to change their answers, because they aren't concerned with the outcome of the test. Once the stakes are high, however, this pattern changes.
Testing existing loan clients or volunteers has an obvious attraction: speed. That way you don't have to bother new loan applicants with additional questions, and then wait for them to either repay or default on their loans before you have the data to make or validate a score, an approach that takes years.
Unfortunately, these results clearly show that this shortcut does not work. People change their answers when the stakes are high, so a model built on low-stakes data falls apart when used in the real-world. People answer optional surveys with less attention and less strategy than they do a high-stakes application, and therefore the only strong foundation to a predictive credit-scoring model is real high-stakes application data and subsequent loan repayment.
Consider an analogy: you can't predict who is a good driver based on how they play a driving video game, where the outcome is not important. Conversely, someone who does well on a real-world driving test may not perform that well on a video game. Whether it is driving skills or creditworthiness, you must predict the high-stakes context with high-stakes data.
- Psychometric model accuracy is only guaranteed when you collect data in a high-stakes situation (i.e., a real loan application).
- Despite its speed, back-testing a model on existing clients in a low-stakes setting is risky because it might not tell you anything about how the model will work in a real implementation.
- If you want to buy a model from a provider, the first thing you should verify is what kind of data they used to make their model. Was it from a real-world high-stakes implementation similar to your own?
[i] These are indices from widely available commercial psychometrics providers. It is important to note that LenddoEFL no longer uses any of these assessments or dimensions in our assessment, nor any index measures of personality.
[ii] Stepwise logistic regression built on a random 80% of data, and tested on the remaining 20% hold-out sample. An equivalently-sized random sample was used from the other set (high-stakes data for the low-stakes model, and low-stake data for the high-stakes model) to remove any effects of sample size on gini.
[iii] Note that this exercise was restricted to those questions that were present in both the low- and high-stakes testing. It does not represent LenddoEFL's full set of content and level of predictive power, it is only for purposes of comparing relative predictive power.
[iv] The results also show that using standard personality items, the absolute predictive power is lower in a high-stakes setting compared to a low-stakes setting. This is likely because of the ability to manipulate some items in a high-stakes setting makes them not useful within a high-stakes setting. This lesson has lead LenddoEFL to develop a large set of application content that is more resistant to manipulation and which has much higher predictive power in high-stakes models. This content forms the backbone of the current LenddoEFL psychometric assessment, all of which is built and tested exclusively with high-stakes data and subsequent loan repayment-default rather than back-testing.


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Strawberry Banana Chia Pudding
Strawberry season is in full swing in California and it's my favorite! I can't get enough of those juicy, sweet, jewels!
If you're a strawberry lover, like me, you're going to love this simple, delicious strawberry banana chia pudding. It's got everything you're looking for in a breakfast-- it's full of fiber, protein, good fats, and delicious berries. And a little raw cacao powder thrown in for good measure (chocolate never hurts, right?)
If you've made chia pudding, you know how easy it is to whip up. Simply add whole chia seeds to your favorite nut milk, stir, and set in the refrigerator overnight. Voila! The addition of a strawberry banana smoothie on top takes this to a whole new level.
When looking for strawberries, look for local and organic berries. Strawberries are on the Dirty Dozen list, meaning conventionally grown berries are covered in pesticides. Best to choose organic whenever possible to reap the most benefits in your berries. Strawberries are a great source of Vitamin C and manganese and can help your body improve heart health and lower blood pressure.
While I often hear people worry about bananas ("they are so sweet, they must be bad for you!") you might be happy to know that bananas are a great fruit to consume. They are really low on the Glycemic Index, meaning that they have a very low impact on your blood sugar. They are also a very good source of Vitamin B6, which helps to convert food into energy in your body and helps your body to metabolize fats and proteins more efficiently, thus explaining why bananas are such a go-to choice for athletes.
Let's get to the kitchen, shall we? This recipe will make two servings, so share with someone you love or half it to make a single serving. Strawberry Banana Chia Pudding is easy enough for a weekday breakfast and decadent enough for a Sunday brunch. I hope you enjoy it as much as I do!
Strawberry Banana Chia Pudding
Serves 2
For the Chia Pudding Layer
2.5 TBSP whole chia seeds
⅔ c non-dairy milk
For the Strawberry Banana Layer
1 banana
3 strawberries
1 tsp raw cacao
¾-1 c non-dairy milk (depending on whether you want it a little thicker or thinner)
Splash of vanilla (optional)
For Chia Pudding Layer: Mix chia seeds and milk together in a container. Set in refrigerator overnight. In the morning, stir well to incorporate and then divide into two bowls.
For Strawberry Banana Layer: Add banana, strawberries, raw cacao, non-dairy milk, and vanilla (if using) into a blender and blend until smooth. Pour on top of your bowl of chia pudding. Garnish with fresh cut strawberries if desired.
TIP: Want to use homemade nut milk? Check out my tutorial here.