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Today's my birthday ;o)
How am I celebrating today? I had my favorite breakfast sandwich and a latte from Starbucks for a morning treat. After work, I'll be heading home to take a nap (yep... really!), then I will get dressed for dinner at my favorite restaurant. If you want to make today special, here are some ideas:
- Let's make it a dinner date, complete with a champagne toast!
- Send a gift card for Amazon, Agent Provocateur, Apple, Bordelle, ASOS, or Starbucks.
- Book a spa day for me at the Four Seasons, Ritz Carlton, or The Mandarin Oriental in D.C. Alternatively, a gift card for Aire Ancient Baths for future use.
You can also pick up something from the wishlist on my website to bring to our next date, or order something from my Deliverycode list or Net-a-Porter wishlist.
It's a milestone birthday. I'm 25 today, which is a really crazy but fun juncture in life! I'm still not ready to "adult" fully but I definitely get to throw around the "I'm a grown ass woman" phrase more often when someone gets me messed up. I'm slightly annoyed when people ask me for my ID when I order a glass of wine at a restaurant, but then I get a bit paranoid that I am showing apparent signs of aging when they don't ask to see it. I also suppose its time for me to clean up my act as far as my diet goes, just in case my body decides that my butter cake consumption should be met with more consequences.
I am happy to have a small social group with high quality friendships. It feels so much better than being surrounded by people whose motives you have to question all the time.
When I wake up in the morning, I feel excited about the day.
When I lay my head on the pillow at night and say my prayers, I am feeling fulfilled and thankful for what has manifested.
There are so many experiences that I look back on in my life and all of them humble me in their gravity. I've been blessed to be able to consistently beat the odds over and over again from sheer determination.
To date, I've done some great things and I am very proud of myself! I've traveled to exactly 30 countries, obtained my Bachelor of Science with honors, and published research papers. I have a wonderful full time job that I enjoy. I get to spend my free time with my amazing family, friends, and clients.
I still have so many goals to reach and a lot more growing to do, but I want to be present today and appreciate where I am at this time. Some things I've learned 25 years in:
- It's okay for plans to change.
- The easiest way to make friends is to just be yourself; you'll attract the people who are supposed to be in your life.
- Relationships - platonic and romantic -require hard work, a forgiving heart, and mutual respect.
- My first impressions of people and situations are usually correct.
- You get a lot further with sugar than salt.
- Measuring success by material things will always create feelings of jealousy and/or inadequacy; re-framing success in the context of one's character will lead to personal development and a transcendent worldview.
- With very few exceptions, I can do anything... as long as I'm willing to put in the appropriate amount of work.
Some fun tidbits on the significance of Dec. 28 (besides the fact that the world was changed when I was born LOL):
I share my birthday with comic artist and creator Stan Lee, former President Woodrow Wilson, actor Denzel Washington, and Oprah's BFF Gayle King. Porn stars Celeste Star and Roxy Reynolds also share this special day with me!
December 28 is National Chocolate Candy Day.
The Secret Language Name for my birthday is "AMPLIFIED SIMPLE SOPHISTICATION", making me:
What does my day say about me? My birthday, perfectly placed between the two highlight days of the festive season, makes me a Capricorn. If you follow the zodiac, know that I am the archetype of my sign. Being a Capricorn means that I am:
- Disciplined
- Ambitious
- Resilient
- Action-oriented
According to a book I own titled Sextrology (and true to form), I am turned on by:
- intellectuals
- stripping, teasing
- wearing lingerie, high heels, and garters
- being worshipped
Apparently, Linda Lovelace (Deepthroat) and I share the same zodiac sign. I think being a Capricorn somehow speaks to my determination to master the art of deep throating...
Thank you to the many clients who make my birthday feel special by sending their well wishes, spending time with me, and showering me with gifts.


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Lighting The Fuse
I've been developing the Eversholt Jacket for a long time. Now and then I've come up for air to showcase a prototype but, for the most part, I've worked alone.
As the design stepped further away from what's been before, it's been hard at times not to question. What will the press think, the shops? What will the riders who's opinion I value most make of it? Am I straying too far? Despite these thoughts I kept pushing, trusting an instinct.
Last night; after two winters, ten prototypes, five thousand miles. Sharp winds, driving rain. Mountains, deserts & the places in between, I launched the Eversholt Jacket. At the end of this journey, I knew my efforts had not been in vein. Those who came understood; the jacket and my approach.
Photographs - Ollie Reimann

subset: commoncrawl


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Hope that everyone is having a great start to 2017! Here is what we are reading this week.
1. Santangel's Review: Punch Card Capital
2. Tech Crunch: Twitter Didn't Fix Itself in 2016 and Wall Street Isn't Happy
3. WSJ: Google Turns Focus to India's Small Businesses Amid Search for Users
Fun Reads:
1. Travis Bradberry: Unique Habits of Ridiculously Likeable People
2. WSJ: The Method in Donald Trump's Maddening Communication Habits
3. WSJ: Americans Eat $554 Millions Jack in the Box Tacos a Year, and No One Knows Why
Hope you enjoy!


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Alarm clocks were going off early across the U.S. this morning for those who wanted to witness the Super Blue Blood Moon.
I might have slept in if it were just a Blue Moon, which is the second of two full moons to appear in one calendar month. Apparently this happens every 2.7 years, so I will be more careful when using the term "once in a blue moon" in the future.
Three or four times a year the new moon reaches its closest point to Earth and causes a Supermoon, which is well documented on Facebook.
But the Blood Moon, which gets its name from the red color of the moon during a total lunar eclipse, is a big deal and might have been enough on its own to get me out of bed.
Combine all three of these lunar happenings at once and we had a celestial trifecta! The spectacle was visible across Asia and parts of North America.
Scientists are excited about the event for research on the moon's surface. I just think it's amazing that the last time this celestial trifecta was visible in the U.S. was 1866.
Preparing to get up early to witness the Super Blue Blood Moon made me wonder why I was interested in viewing the lunar event. I'm not particularly interested in this type of science or in getting up early for anything.
I do, however, love a good cultural or natural phenomenon. I get excited about participating in the big events of our time or witnessing natural beauty. I value unique experiences and sharing them with others. I'll admit that I also suffer from FOMO, fear of missing out.
Maintaining passion for life and all its wonders becomes increasingly important as we age. We are born curious about everything and then narrow our focus as adults. It's easy to get wrapped up in the demands of work and family, and neglect pure passion and curiosity. The goal is to find a balance that truly ignites your sense of wonder more than once in a blue moon.


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Sunday 11th November 2018 is the Centenary of the end of World War 1. The Churches together in Hook have arranged a Remembrance Service at the Hook War Memorial , with a parade through Hook. The parade will leave the main carpark in Hook at 10:15 am finishing at the War Memorial at 10:45 am with the Remembrance Service starting at 10:50 am. The Scouts and Guides will lead the parade and we are expecting around 350 people to take part.
On Sunday 11th November the Mass here at Sacred Heart will be moved to 9:00 am.


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Imaam Abu Bakr bin Abi Dawood as-Sijistaani (rahimahullah)
In this short and succinct article, we will present beneficial information about the life and Jarh wa Ta'deel about Imaam Abu Bakr bin Abi Dawood as-Sijistaani (rahimahullah):
His Name and Lineage: Haafidh Abu Bakr Abdullah bin Abi Dawood: Sulemaan bin al-Asha'th bin Ishaaq bin Bushayr bin Amr bin Imraan as-Sijistaani Al-Azdi.
Birth: 230 H, at Sijistaan.
His Teachers (Shuyookh): Muhammad bin Aslam at-Tausi, Muhammad bin Bashaar: Bandaar, Muhammad bin al-Muthana, Muhammad bin Yahay az-Zahli, Ahmed bin al-Azhar al-Nisaburi. Ahmed bin Saalih al-Misri, Abu Taahir Amr bin al-Surah, Nasr bin Ali al-Jahdami, Rabee' bin Sulemaan, Ya'qoob bin Sufyaan al-Faarsi, Ishaaq bin Mansoor Al-Kosaj, and Amr bin Ali al-Falaas etc. rahimahumullah.
Students: Abu Muhammad Abdur Rahmaan bin Abi Haatim ar-Raazi, Abu Hafs Ibn Shaaheen, Abul Hassan ad-Daraqutni, Abu Bakr Ahmed bin Muhammad bin Ishaaq bin as-Sunni, Abu Ahmed al-Haakim, Muhammad bin Abdur Rahmaan Al-Mukhlas, and Da'laj bin Ahmed etc. rahimahumullah.
Criticizers and Criticism: There is a difference of opinion among the Muhadditheen regarding the tawtheeq and tad'eef of Abu Bakr. Firstly, the criticism and Jarh is as follows:
1. Yahya bin Muhammad bin Saa'ad said: "For us, what his father said about him, is sufficient" [Al-Kaamil by Ibn Adee: 4/1577]
We say that there was a severe animosity between Ibn Abi Dawood, and Ibn Saa'ad. In fact Ibn Abi Dawood said about Imaam Ibn Saa'ad that: "He used to lie upon the Messenger of Allah (peace be upon him)" [Taareekh Dimashq: 31/58, Chain Saheeh]
The Jarh of enemies and adversaries is especially rejected when there is a strong tawtheeq on the contrary. Therefore, the Jarh of both of them is rejected upon each other.
Secondly, Ibn Saa'ad did not tell what the father of Ibn Abi Dawood said about him?
2. Imaam Abu Dawood As-Sijistaani said: "And It is from the trial that (my son) Abdullah wishes to become a Judge (Qaadhi)." [Al-Kaamil by Ibn Adee: 4/1578]
This is no Jarh. Imaam Abu Dawood is only expressing his dislike from the position of Judge.
- Imaam Ibn Adee narrated from Ali bin Abdullah ad-Daahri (?), he narrated from Ahmed bin Muhammad bin Amr bin Eesa Kurkur or Kurkurah (?), he narrated from Ali bin al-Hussain bin Junaid, he said: I heard Abu Dawood As-Sijistaani saying that: "This, my son Abdullah, is a Kadhaab (Liar)." [Al-Kaamil by Ibn Adee: 4/1577, Taareekh Dimashq: 31/95]
This narration is rejected due to two reasons:
o The tawtheeq of Ali bin Abdullah Ad-Daahri is unknown.
o The tawtheeq of Kurkurah is unknown.
Imaam Abdur Rahmaan bin Yahya Al-Mu'allamai (rahimahullah) said: "Besides this place, I did not find the mention of Daahri and Kurkurah anywhere…… and we do not consider this chain to be proven." [Al-Tankeel: 1/298 T. 123]
Dhahabi has also pointed towards its weakness by saying "Inna as-Sahha (If it is authentic)" [See: Tadhkirat ul-Huffaadh: 2/772 T. 768]
Thus he said: "And it is possible that the chain of the saying of Abu Dawood might not be Saheeh" [Taareekh al-Islaam: 23/518]
So it is proven that spreading the propaganda that the father of Imaam Ibn Abi Dawood, Imaam Abu Dawood declared him a Liar, is False and rejected.
- Imaam Ibn Adee has narrated from Moosa bin Al-Qaasim bin Moosa bin al-Hassan bin Moosa Al-Ashayb (Thiqah), he narrated from Abu Bakr, he said: I heard Ibraaheem al-Asbahaani saying that: "Abu Bakr bin Abi Dawood is a Liar." [Al-Kaamil: 4/1577, Taareekh Dimashq: 31/59, and it contains Ibn Bakr]
The narrator of this narration, Abu Bakr or Ibn Bakr is unknown. Therefore this Jarh is also not proven. The saying of Imaam Ibn Adee, based on these two unproven criticisms that: "And his father and Ibraaheem Asbahani have criticized him" [Al-Kaamil: 4/1578] also holds no status, because narrating an unproven saying as a Jazam is wrong.
Allaamah Mu'allami has also shown his doubt regarding this Jarh. [See: Al-Tankeel: 1/300]
3. Imaam Abdullah bin Muhammad bin Abdul Azeez al-Baghwi (Thiqah), wrote in an answer to a letter of Ibn Abi Dawood that: "By Allah, you are short of knowledge according to me" [Al-Kaamil by Ibn Adee: 4/1578]
- Ali bin Abdullah Ad-Daahri said that I asked Ibn Abi Dawood about the hadeeth of at-Tair (Bird) in ray, so he said: "If the hadeeth of bird is Saheeh then the Prophethood of the Prophet (peace be upon him) becomes baatil (invalid)…." [Al-Kaamil: 4/1578]
The narrator of this saying, Ad-Daahri is Majhool, therefore this saying is invalid and Mardood.
Hadeeth at-Tair is when the meat of a bird was brought to the Prophet (peace be upon him), so he said: O Allah, send a man to me who is the most beloved to you among the creation, who will eat this meat with me. Then Ali (radiallah anhu) came and he ate the meat from it.
[Sunan Tirmidhi: 3721, and said: "Ghareeb", Taareekh Dimashq by Ibn Asaakir: 45/192 from the rout of Daraqutni, chain Hasan]
In some Nuskha of Musnad Abu Ya'la, it has a Hasan Shaahid too. [See: Bidayah wal Nihayah: 7/363]
In some chains of this narration, it says that Anas (radiallah anhu) said to Ali (radiallah anhu) that The Messenger of Allah (peace be upon him) is busy. [Al-Mustadrak: 3/130-131, H. 4650, and Haakim said: This Hadeeth is Saheeh on the conditions of Shaikhayn!]
Its narrator Muhammad bin Ahmed bin Iyyaadh bin Abi Taybah is Majhool, and only the tasheeh of Haakim is not enough here.
- Muhammad bin Dahhaak bin Amr bin Abi Aasim Al-Nabeel narrated from Muhammad bin Yahya bin Mandah, he narrated from Abu Bakr bin Abi Dawood: Zuhri narrated from Urwah that: "The Nails of Ali (radiallah anhu) scratched, because he used to visit the Prophet's wives very often." [Al-Kaamil: 4/1574]
In this narration, the narrator Muhammad bin Dahhaak is mentioned in Taareekh Baghdaad [5/376 T. 2901], but his tawtheeq is unknown.
Even if this narration was proven that it is not a Jarh on Ibn Abi Dawood, rather it is weak and rejected because the chain between Ibn Abi Dawood and Zuhri is unknown.
- Qaadhi Ahmed bin Umar bin Ali said: I heard Muhammad bin Abdullah bin Ayyub al-Qattaan saying that, I was with Muhammad bin Jareer at-Tabari when a man said to him: "Ibn Abi Dawood is reading the virtues of Ali bin Abi Taalib (radiallah anhu) to the people, so Ibn Jareer said: 'The Takbeer of a Watchman'." [Taareekh Baghdaad: 9/467 T. 5095]
The first narrator of this narration, Ahmed bin Umar bin Ali is mentioned in Taareekh Baghdaad [4/259 T. 2061], but his tawtheeq is unknown. Furthermore, see: Taareekh al-Islaam by Adh-Dhahabi [29/250].
The second narrator is Muhammad bin Abdullah bin Ayyub, about whom Imaam Ashari said: "His Samaa from Abu Ja'far At-Tabari was Saheeh, but he was a Raafidi of a filthy Madhab."
Qaadhi Abu Bakr Muhammad bin Umar ad-Dawoodi said: He is Saheeh ul-Sama, Thiqah. After him they attributed him to tafdeel Ali and refused from him Raafdiyat. [Taareekh Baghdaad: 5/465 T. 3007]
Dhahabi said: "He is Raafidi Wrongdoer" [Mizaan ul-I'tidaal: 3/606, Al-Mughni fi Ad-Du'afa: 2/332 T. 5720]
So we come to know that this saying is not proven due to Ahmed bin Umar bin Ali being Majhool ul-Haal, Secondly, "Takbeer of a Watchman" is not a Jarh. See: Al-Tankeel: (1/299)
- Ibn Adee said: In the beginning he was attributed to some belief of Naasbiyat, and Ibn Faraat got him out from Baghdaad to Waasit, And Ali bin Eesa called him back, where he described the virtues of Ali (radiallah anhu) and became a Hanbali. [Al-Kaamil: 4/1578]
We say, that there is nothing known about the one who attributed this to him, therefore this is a Jarh of a Majhool, and is Mardood.
Note: What is meant by being a Hanbali here, is to be upon his Aqeedah, not his Muqallid. And it is coming ahead that Imaam Abu Bakr bin Abi Dawood was from the Madhab of Ahl al-Hadeeth.
Mawthaqeen and Tawtheeq:
Now, we will present the proven tawtheeq regarding him with reference:
1. Haafidh Ibn Adee said: "And he is Maqbool according to the People of Hadeeth." [Al-Kaamil: 4/1578]
2. Haafidh Ibn Hibbaan has narrated many of the narrations of Saheeh Ibn Hibbaan from Abu Bakr bin Abi Dawood, which is proof that he was Thiqah and Sudooq according to him. [Se: Al-Ihsaan: 280, 981]
3. Regarding one hadeeth narrated by Abu Bakr bin Abi Dawood, Imaam Daraqutni said: "Its Isnaad is Saheeh and Proven" [Sunan Daraqutni: 1/345-346, H. 1294]
And in another narration (in which Ibn Abi Dawood was also present), he said: "All its narrators are Thiqah" [Sunan Daraqutni: 2/24-25 H. 1634]
This Proves that Ibn Abi Dawood was Thiqah and Saheeh ul-Hadeeth according to Imaam Daraqutni.
Note: Abu Abdur Rahmaan as-Sulamai (Soofi) has narrated from Imam Daraqutni that he (Ibn Abi Dawood) is Thiqah, but makes a lot of mistakes in commenting on a hadeeth. [Sawalaat as-Sulami: 242]
This Jarh is Mardood, because Sulami himself is Da'eef and Majrooh narrator.
4. Imaam Abu Awaanah Ya'qoob bin Ishaaq al-Asfaraaini has took narrations from Ibn Abi Dawood in Saheeh Abi Awaanah. [Al-Mustakhraj Vol 4 Pg 207 H. 6553]
It proves that he was Thiqah according to Abu Awaanah.
5. Regarding one hadeeth of Ibn Abi Dawood, Imaam Haakim Nishaburi said: "It is Saheeh according to the conditions of Muslim." [Al-Mustadrak: 2/49 H. 2306]
6. Abu N'aym Al-Asbahaani has took narrations from him in Al-Mustkhraj Ala Saheeh Muslim. [1/245 H. 452]
And said: "He held a great influence in the fields of Knowledge, Memorization, wisdom, and Understanding; which is why a group of people are jealous from him." [Akhbaar Asbhaan: 2/211, Tarjumah: Muhammad bin Abdullah bin al-Hassan bin Hafs al-Hamdaani]
7. Haafidh Dhahabi said: "He is Al-Haafidh Al-Thiqah, the author of several books." [Mizaan ul-I'tidaal: 2/433
Dhahabi said: "He is thiqah and his father has called him a Liar." [Al-Mughni fi Du'afa: 1/542 T. 3207]
His father declaring him Liar is not proven at all, and in the above saying the Tawtheeq of Dhahabi is Proven.
8. Khateeb Baghdaadi said about Ibn Abi Dawood that: "He was the Man of Understanding, A Scholar (and) a Haafidh" [Taareekh Baghdaad: 9/464]
9. Haafidh Abul Fadal Saalih bin Ahmed bin Muhammad bin Ahmed bin Saalih al-Hamdaani said: "He is the Imaam of Iraaq, He learned knowledge from different places, The Sultaan had a Minbar set for him due to his Virtues and Popularity, then he narrated ahadeeth to him….. During his lifetime, there were many Shuyookh in Iraaq which used to narrate better Asaaneed than him, but the position that he held in being an expert and Thiqah, was not held by any other Shaikh." [Taareekh Baghdaad: 9/465-466, Chain Saheeh]
10. Imaam Hassan bin Muhammad al-Khallaal said: "Abu Bakr bin Abi Dawood was a bigger Haafidh than his Father (Imaam Abu Dawood)." [Tareekh Baghdaad: 9/466, Chain Saheeh]
11. Abu Bakr bin Muhammad bin Ubaydullah bin Muhammad bin al-Fath As-Seerfi said: "More than three hundred thousand people performed his Janazah Prayer. His Janazah was performed in four different places…. He was an Ascetic, a Scholar and a religious person. May Allah be pleased with him and grant him Jannah with to His Mercy." [Taareekh Baghdaad: 9/468]
12. Imaam Ibn Shaaheen has mentioned Ibn Abi Dawood in Kitaab ath-Thiqaat. [Pg 239 T 1468]
13. Allaamah Ibn al-Jawzi said: "He is a Major Imaam, Maqbool, author, but…." [Kitaab ad-Du'afaa wal Matrokeen: 2/126 T. 2040]
After "but", Ibn al-Jawzi has narrated the criticisms of Imaam Abu Dawood and Ibraaheem al-Asbahaani, which are not proven, therefore the reference after the 'but' is wrong.
14. Imaam Abul Khair Muhammad bin Muhammad al-Jazri said: "He is Thiqa Kabeer Ma'moon." [Ghayat an-Nihayah fi Tabaqaat al-Qira'ah: 1/420 T. 1779]
15. Ibn Asaakir said, regarding one of the ahadeeth of Ibn Abi Dawood, that: "It is Hassan Saheeh" [Mu'jam Shuyookh Ibn Asaakir 2/768 H. 960]
16. Haafidh Abu Ya'la Al-Khaleeli said: "He is al-Haafidh Al-Imaam of Baghdaad in his time, The agreed upon Scholar, Imaam - the son of an Imaam…." [Al-Irshaad fi Ma'rifat Ulama al-Hadeeth: 2/610 T. 331]
17. Haafidh Ibn Naasir ud-Deen ad-Dimashqi said about Ibn Abi Dawood, that: "He was an Imaam Allaamah Noble, Haafidh, Mutqin, decent." [Al-Tibyaan li badi'at ul-Bayaan: 2/906 T. 735]
18. The Historian Ibn Khalqaan said: "He was from the Major Huffaadh of Baghdaad, An Agreed upon Aalim, Imaam son of an Imaam." [Wafiyaat al-A'yaan: 2/405 T. 272]
19. Ibn al-'Ammaad al-Hanbali said: "He was from the Major Huffaadh of Baghdaad, An Agreed upon Aalim, Imaam - the son of an Imaam." [Shazraat az-Zahab: Vol 2 Pg 168]
20. Abul Shaikh Al-Asbahaani said: "He was from the Major Scholars….." [Tabaqaat ul-Muhadditheen from Asbahaan: 3/303, T. 370]
21. Imaam Bayhaqi said about Ibn Abi Dawood that: "He was from the Huffaadh and Ulama of his time." [Dalaail al-Nabuwa: 6/40 H. 2284]
22. Abul Qaasim Ismaa'eel bin Muhammad bin al-Fadal (rahimahullah) said about a hadeeth narrated by Ibn Abi Dawood that: "This Hadeeth is Saheeh" [Al-Ahadeeth al-Mukhtarah: 7/76 H. 2486]
23. Zayaa Maqdisi has took narration from Ibn Abi Dawood in al-Mukhtarah. [See: the previous saying: 22]
24. Qaadhi Abul Hussain Muhammad bin Abi Ya'la al-Hanbali said: "He was the man of understanding, a Scholar, (and) a Haafidh" [Tabaqaat al-Hanabilah: 2/51 T. 595]
25. Muhammad bin Ali bin Ahmed Al-Dawoodi said: "And he became an expert, and becme the Leader of the people of his era." [Tabaqaat al-Mufassireen: Pg 166 T. 222]
Among the sayings above, some are just the words of praise, not the actual tawtheeq, but the common sayings and references are those of tawtheeqaat, therefore it gets proven that Imaam Abu Bakr Abdullah bin Abi Dawood Sulemaan bin Asha'th as-Sijistaani is Thiqah, Sudooq, Saheeh ul-Hadeeth and Hasan ul-Hadeeth narrator according to the Jumhoor Muhadditheen. Walhamdulillah.
After the tawtheeq of Jumhoor, the Jarh of some scholars such as: Ibn Saa'ad upon him, is Mardood.
Benefit: An excellent defense of Imaam Ibn Abi Dawood has been done by the Dhahabi of his Time, Imaam Abdur Rahmaan bin Yahya al-Mu'allami (rahimahullah), in his famous book: Al-Tankeel.
Books: Imaam Ibn Abi Dawood has authored a lot of books. The names of some of them are as follows:
1. Kitaab al-Masaahif
2. Kitaab al-Ba'th
3. Musnad Aisha
4. Kitaab al-Masaabih fil Hadeeth
5. Kitaab Fadhaail al-Quraan
6. Kitaab al-Naasikh wal Mansookh
7. Kitaab at-Tafseer, etc
His Memory: Allah had granted him an extra ordinary power of Memorization
1. Ahmed bin Ibraaheem bin Shaazaan (Thiqah) narrated that Abu Bakr bin Abi Dawood went to Sijistaan during the lieftime of Amr bin al-Layth, so the people of hadeeth gathered around him, and asked him to narrate ahadeeth. Ibn Abi Dawood refused to do so saying that I do not have the book with me. They said (in amazement): Ibn Abi Dawood (a great Haafidh) and asking for Book?
Abu Bakr bin Abi Dawood said: Thus they compelled me, so I narrated to them thrity thousand ahadeeth (30,000) from my memory. When I came to Baghdaad, the Baghdaadi people said: Ibn Abi Dawood went to Sijistaan and fooled the people, so they sent a fast caravan to Sijistaan with 60 deenaar, in order to write the Nuskha (of ahadeeth narrated by Ibn Abi Dawood), thus it was brought to Baghdaad, and it was presented to the Huffaadh of Hadeeth, and they accused me of being mistaken in six ahadeeth. The three narrations among them were the same as I heard them from my Shuyookh, and in three remaining narrations, I was actually mistaken. [Taareekh Baghdaad: 9/466 Chain Saheeh, Taareekh Dimashq 29/83]
Subhanallah, he narrated thirty thousand ahadeeth from memory, and got mistaken in only three of them. This is the proof of an extra ordinary memoy!
It is know even to common people that, even a proper and strong Haafidh of the Quraan gets mistaken in the Qiraat sometimes. Therefore, getting mistaken in only one narration out of thousand narrations is a proof that Ibn Abi Dawood was a huge Haafidh of Hadeeth. Rahimahullah.
2. Imaam Abu Ali al-Hussain bin Ali al-Haafidh al-Nisaburi has narrated that Ibn Abi Dawood had narrated these narration in Asbahaan (Sijistaan), among which he was only mistaken in two of them. [Taareekh Baghdaad: 29/82, Chain Saheeh]
We come to know that what is meant by Sijistaan, is Asbahaan, and this is authentic. Wallahu a'lam
The word Asbahaan is also present in the narration of Abu Dhar Abd bin Ahmed al-Harwi from Ibn Shaazaan. [Taareekh Dimashq: 29/82, Chain Saheeh]
It is possible that Abul Qaasim al-Azhari (Shaikh al-Khateeb) might have been mistaken by the word Sijistaan. Wallahu a'lam.
3. Imaam Abu Hafs Ibn Shaaheen said: "Ibn Abi Dawood narrated 2 million (2000000) ahadeeth to us from his memory. I never saw a book in his hand. He used to narrate ahadeeth from his memory." [Taareekh Dimashq: 29/83, Chain Saheeh]
4. Ibn Shaaheen said: "When Ibn Abi Dawood got blind (at the end of his age), he used to sit on the minbar, and his son Ma'mar used to sit one step below him holding a book in his hand. He would point out and say: so-and-so hadeeth, and Ibn Abi Dawood would read that whole hadeeth (with sanad and Matan) to him. One day he read the (long) hadeeth of Qunoot (or Futoon) from his memory, so Abu Tamaam stood up and said: 'By Allaah, I have not seen anyone like you, except if it were Ibraaheem al-Harbi.'" [Taareekh Dimashq: 29/83, Chain Saheeh]
Pearls of Wisdom: The following are some pearls of Wisdom from Imaam Ibn Abi Dawood:
1. Imaam Ibn Shaaheen said: Our teacher (Imaam) Abu Bakr bin Abi Dawood as-Sijistaani (rahimahullah) said:
مسَّـكْ بحَـبْلِ اللهِ واتَّبِع الهُـدَى ولا تَـكُ بِدْعِيَّـاً لَعلَّـكَ تُفْلِــحُ(1)
وَدِنْ بِكِتَابِ اللهِ والسُّـنـَنِ التِـي أَتَتْ عَن رَسُولِ اللهِ تَنْجُ وَتَرْبَح(2)
وَقُـلْ غَيْـرُ مَخْلِوقٍ كَلامُ مَليكِنا بِـذَلكَ دَانَ الأتْقِياءُ وأَفْصحُــوا(3)
وَقُـلْ إنَّ خَيْرَ النَّاسِ بَعْـدَ مُحَمَّـدٍ وَزِيـراهُ قُدْمًا , ثُمَّ عُثْمَانُ أرْجَـحُ(15)
وَرابِعُهُـم خَـيْرُ البريَّـةِ بَعْـدَهُـم عَلِـيٌّ حَليفُ الخَـيرِ , بالخَيرِ مُنْجِحُ (16)
وإنَّهمُ و الرَّهْطُ لا رَيْــبَ فِيْهِــمُ عَلَى نُجُبِ الفِرْدَوْسِ في الخُلْدِ تَسْرَحُ (17)
و من بعد هم فالشافعي وأحمد إمام الهدي من يتبع الحق يفصح (24)
وَقُلْ خَـيْرَ قولٍ في الصَّحَابةِ كُلِّهِـمْ ولا تَــكُ طَعَّاناً تَعِيْـبُ وَتَجْـرَحُ (26)
وَدَعْ عنكَ آراءَ الرِّجالِ وَقـولَهُـم فَقْولُ رَسُولِ اللهِ أَزكى وَأَشْــرَحُ (38)
وَلا تَكُ مِـن قـوْمٍ تَلَهَّـوْ بِدِينِهِـم فَتَطْعـنَ في أَهَلِ الحَدَيثِ وتَقْـدَحُ (39)
إذا مَا اعتقـدْتَ الدَّهْرَ يا صَاحِ هذِه فَأَنْـتَ عَلـى خَيْـرٍ تَبِيتُ وتُصْبِحُ (40)
(1) Hold firmly, the rope of Allah, and follow the hidayah and do not become a bid'ati, so you could achieve Falaah (Success)
(2) Make the book of Allah and the Sunnah of Rasoolullah (pbuh), your deen, you will get salvation and be in a good profit.
(3) And say: The Kalaam of our Lord (Allah) is Ghair Makhlooq (non-created), this is the Aqeedah of righteous people, and they have explained it very explicitly.
(15) And say: The best of men after Muhammad (peace be upon him) are his two wazeers (Abu Bakr and Umar radiallah anhum), then is Uthmaan and this is authentic.
(16) And in the fourth place is Khair al-Baraiyyah (the best of all the Jama'ah), Ali (radiallah anhu). The friend of Khair, ends up with Khair.
(17) And this is the Jama'ah, regarding whom there is no doubt that they will always ride on the beautiful rides of Jannah.
(24) And after them, Shaafi'ee and Ahmed are the Imaams of Hidayah, the one who follows the truth speaks eloquently (explicitly).
(26) Say only good things about all the Sahabah, don't point out their defects or malign them (Otherwise) you will become the criticiser (of Sahaabah) (Meaning: You will become Marjooh)
(38) Leave the Sayings and the opinions of people (If they go against Kitaab-o-Sunnat), thus the saying of the Messenger of Allah (peace be upon him) is the best and the brightest.
(39) Don't be among those who play with their religion, thus you will become the one who criticises & maligns Ahl ul-Hadeeth (meaning: You will become Majrooh yourself)
(40) Oh My Friend, If you always hold this aqeedah, then your day and night will be in Khair.
[Sharh Madhaahib Ahl us-Sunnah by Ibn Shaaheen: Pg 321-323]
After this poem, ImaamAbu Bakr bin Abi Dawood said: "This is my saying, My Father's saying (Imam Abu Dawood), and the saying of Imaam Ahmed bin Hanbal (rahimahullah). This is the Aqeedah that has reached to us, from the Scholars we have seen and the scholars that we have not seen. The one who attributes anything other than this to me, has lied." [Sharh Madhaahib Ahl us-Sunnah: Pg 323]
Benefit: From this Qaseedah, it gets proven that Imaam Ibn Abi Dawood was not a Muqallid, but was from Ahl ul-Hadeeth. Therefore saying that he is a Hanbali, does not mean that he is a Muqallid, rather he is upon the Aqeedah of Imaam Ahmed bin Hanbal (rahimahullah)
2. It is not proven from Imaam Ibn Abi Dawood that at any point of his life he became a Naasibi, and Qaseedah Haaiyah is a clear proof of the invalidation of this accusation.
3. Imaam Abul Qaasim Abdullah bin al-Hassan bin Sulemaan al-Maqri Ibn al-Khannaas (Thiqah) (rahimahullah) said: I heard Abu Bakr bin Abi Dawood saying that: "I saw Abu Hurayrah (radiallah anhu) in Sijistaan in my dream, and I was writing a book while compiling his ahadeeth. He had a dark beard, mid-height and wheat clolored skin. He was wearing heavy clothes. I said to him: 'O Abu Hurayrah, I love you', so he said: 'I was the first man of hadeeth (Ahl al-Hadeeth) on earth (who gathered an army of students).'" [Taareekh Baghdaad: 9/467, Chain Saheeh]
His Children: He had three sons: Abu Dawood Muhammad, Abu Umar Ubaydullah, Abu Ahmed Abdul A'laa, and Five daughters including Faatimah.
Death: Imaam Abu Bakr bin Abi Dawood (rahimahullah) died in 17 Dhul Hijja 316 H. And more than three hundred thousand people performed his Janazah Prayer. May Allah have mercy upon him.


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TGs Smart ForTwo Brabus review (2016-2017)
Whats that?
The fastest version of Mercedes smallest car the Smart ForTwo Brabus.
I thought fast Mercedes had AMG badges?
They do, usually, but for some reason its always Brabus peddlers of 900bhp Maybachs and other, equally outrageous tuned Mercedes that gets the job of making Smarts more interesting. Fine with us because the result, we suspect, would be much the same. Theres only so much you can do to a car so little.
Ok, whats new?
Well, theres heaps of cosmetic stuff for starters. The Brabus alloys, dual single-exit exhaust and bodykit are subtle modifications nicely integrated, and inside you get Brabus-branded gear- and handbrake-levers and, erm, some other stuff that doesnt stand out quite as much.
More of interest to us though are the modifications Brabus has made to the Smarts relatively humble underpinnings. The engine is the same 898cc three-cylinder turbo you get in the normal ForTwo (and Renault Twingo), only Brabus has upped power and torque by 28bhp and 25lb ft respectively for a total output of 107bhp and 125lb ft.
Theyve also dropped the ride-height by 10mm, added new springs and dampers for a 20 per cent increase in stiffness and given it a thicker front anti-roll bar. Finally, the EPAS software has been retuned for increased return torque, and the overactive ESP slackened-off.
So, does it drift?
Not a chance the modifications have hardly turned the ForTwo into a hot hatch. It may be rear-wheel drive, but its behaviour is fundamentally that of a front-wheel drive city car: understeer, understeer and then the inevitable accident. It does feel reasonably pokey, though. 0-62mph in dealt with in less than 10 seconds, and the top-speed is limited to 103mph. We wouldnt want for much more performance from such a tiny thing.
Much fun?
Mixed bag. You cant get it with a manual, and the six-speed DCT feels clunky and jerky in stop-start traffic, making driving it smoothly trickier than it should be. Stick it in manual and leave it in second. Constantly. Night-and-day different to the old, automated-manual Smarts though.
The ride is a bit bobby, it properly thumps over bigger potholes and expansion joints and on faster roads, and the body control doesnt do your confidence in its cross-country abilities any favours, even though theres plenty of grip. Despite Brabus best efforts the steering is bereft of feel - no surprises there - and the seats gave me backache.
So, its awful?
Hold fire. My commute consists of stop-start town stuff and then motorway. Its basically a traffic jam with no potential for nipping, then a steady cruise up and out of the city. The ForTwo is not designed for that kind of thing, which explains why, when I got back into the office the next morning, I didnt like it very much.
However my colleague Ollie Kew, who took it for a blat the next day, tells me threading it through town is a joy. Although if all youre doing is town-driving, why youd need the extra power and dynamic polish is beyond me. A regular Smart would surely do.
Should I buy one?
The ForTwo Brabus is for a very specific kind of person. A person who has £16,320 to spend on a tiny car, and who doesnt need a boot or to carry more than one passenger. Someone who wants the extra power and style of the Brabus, and is prepared to pay for it, even though they never leave town, and can get literally anywhere more quickly by Tube. Or foot.
The Brabus ForTwo is not a bad car, but sensible money buys something that works everywhere, not just city-centres. Like a VW Up. The fast one, obviously.
Source: https://www.topgear.com/car-reviews/...auto/road-testCheck out www.smartmadness.com for the largest selection of smart car Parts and Accessories in stock at the lowest prices.
Buying or selling a smart car? Check out www.smartcarclassifieds.com


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So Daddy paddled me last night. It started my pain tolerance training. I requested using the rope ball gag that he fashioned and he tied it, giving me a bit of calmness. I really like having something to bite on when I am receiving pain like that because otherwise I bite my teeth and I feel... off. Something doesn't feel right when I don't have something to bite down on. Maybe it's because the time that I took the most pain from Daddy I held a paddle in my mouth in the beginning then a gag at the end.
Back to last night... I asked to go over the desk as well because I like having the stability below me and being able to put my head down. He told me just to bend over and put my hands on the chair. I listened. He rubbed his hands over my ass, relaxing me a little. I was uncomfortable in my position though so my heart was beating faster than normal. The first blow landed and tears immediately sprang into my eyes. At that point I begged to go over the desk and he saw that I needed it at that point so he said okay. I bent over the desk and it immediately put a calm inside of me.
I was still frightened of course, but it was calming being in a position that I was comfortable with. By the fourth hit I knew I was going to cry. By the sixth hit, tears were flowing. Ten was definitely a good stop for day 1. I wish I could take more, but that is what we are working towards!
After the paddling was when the real fun came... I was standing up and Daddy kissed away my tears. I swear, I soaked myself at that moment. Such a turn on... His cock was hard I grabbed it and said it looked like he enjoyed himself. He had me sit on the desk chair and suck him a little, then grabbed me and led me into the bedroom. He laid down and I finished sucking him off. He came down my throat, mmm. I love the taste of his cum. I love worshiping his cock. He is yummy.
So that was day 1. I am definitely looking forward to day 2!!!
Thursday, December 3, 2009
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Ask a financial planner whether to save for retirement using a Traditional IRA or a Roth IRA and you may receive an unsatisfying answer: it depends. While the Roth IRA is a much-loved planning tool, whether it's the best option for you will depend on several factors, but math is not one of them. Continue reading
Financial Planning
The Importance of Delegating Medical & Financial Decisions
A thoughtful retirement income plan involves varying degrees of monitoring and oversight to ensure continued success. While this may be readily apparent at the onset of planning, many otherwise well-constructed plans fail to consider what happens if active participation is no longer possible. Planning for mental incompetency is an often overlooked component of planning that can have devastating emotional and financial consequences. Thankfully, it can be proactively addressed through proper planning.
What Behavioral Finance Can Teach Us About Retirement Planning
Let's face it, the financial services industry loves analytics. We produce mountains of data and delight in presenting it to clients in new and creative ways. Finance is, after all, a highly analytic field, so it is hardly surprising that we focus our time and energy on numbers. This is the paradigm that is often used to develop and deliver financial advice, but a growing body of evidence suggests that the financial decisions made by most individuals may have less to do with analytics and more to do with behavior and emotions. How do we as advisors strike the appropriate balance between analytics and emotions, and what can the field of behavioral finance teach us that may help our clients to make better financial decisions?
Buckets, Flooring And Structured Withdrawals: Creating A Dynamic Income Plan
Turning accumulated assets into a reliable income stream is THE critical issue facing retirees. A growing body of research, and memorable terminology, has provided financial planners with the ability to help our clients create a dynamic income plan that best suits their needs.
While each client has a unique set of circumstances, having adequate income to maintain a given lifestyle in retirement is a near universally shared goal. Likewise, many clients will face similar obstacles and challenges throughout retirement. Our job as advisors is to assist clients in identifying their retirement goals, risks, income sources and expenses, and to combine these to help create an income plan that can be revised and adapted over time. In this blog, we will outline three distinct approaches to retirement income planning.
Avoiding The Middle Class Retirement Maelstrom
As financial advisors we devote an enormous amount of time and energy crafting financial and estate planning strategies for our high net worth clients. While our wealthier clients provide us with interesting problems to solve, many of us take great enjoyment in helping clients with fewer resources and options to realize their retirement dreams. Unfortunately, most middle income clients are ill-prepared to retire and are not a target market for the majority of financial advisors.
Middle class clients face many of the same risks that our wealthier clients do: outliving their money, poor stock market performance and rising health or long-term care costs are near universal concerns. Others such as inflation and the death of a spouse may be particularly impactful for those with limited resources. So what are some simple tips that middle income clients might consider in planning for retirement? Continue reading
Why $1 Million May Not Be Your Magic Number for Retirement
Why $1 Million May Not Be Your Magic Number for Retirement
Back when your parents or grandparents were daydreaming about retirement, $1 million seemed like a magic number. That was then. Today, $1 million won't get you very far during retirement.
Here's why.
One million dollars is no longer the magic number for retirees because it's not the same value that it used to be. Since 1975, inflation as measured by the Consumer Price Index, has risen an average of more than 4 percent a year. One million today has the same buying power as $227,683.43 did 39 years ago, explains Michael Farr, president and CEO of wealth management firm Farr, Miller & Washington and author of A Million is Not Enough: How to Retire with the Money You'll Need.
It's more realistic to say that you should save around 10-12 times your current salary. If you make at least $100,000 that will give you between $1-$1.2 million and will allow you to have around $50,000 a year for 20-25 years when adjusted for inflation, says Farr.
If you're still a skeptic and think $1 million is good enough, plenty of experts disagree.
The silent killer
Inflation erodes wealth. "When we need to crystallize the theory of inflation with clients, the examples of the cost of milk, postage or even a new car today versus when they started working usually results in an understanding that the value of $1 slowly erodes over time," says Bradley Bofford, managing partner, Financial Principles.
Interest rates
In the current environment, Treasuries, CDs and savings account yields are at historic lows. If a conservative retiree hoped to live off of the interest from these vehicles, their income has steadily decreased over the last five years. In many cases, the retiree taps principal, resulting in a snowball effect of depleting assets.
Over the next 10 years, a 60% equity, 40% fixed income portfolio is projected to return 3.25%, says Nick Ventura, president of Ventura Wealth Management. On a $1 million portfolio, this hardly provides enough for the average family to live comfortably during retirement. For the average family, to generate a median retirement income of approximately $85,000, the nest egg should approach $2 million, says Ventura.
Depending on where the assets are invested, taxes can be another factor that will lower the net income from retirement assets. Additionally, says Bofford, there is a general consensus that tax rates will continue to increase, resulting in further erosion of wealth.
Forces beyond your control
Life is full of surprises. Many times, those equate to more money coming out of your pockets, points out Kevan Melchiorre, a private wealth advisor with Busey Wealth Management. Take for example a double whammy like market volatility and an illness that requires long term care. Suppose there was a bad year in the market, let's say like 2008, when the market dropped 34%. That means if you began with $1 million and assumed you were going to take out 5% per year ($50,000), you could end up with only $693,000 to live off of, says Jonathan Gassman, of The Gassman Financial Group. Depending on the frequency of events (market returns) you could run out of money. "Compound that with a long term care event, which on Long Island can cost $150,000 a year – three years in, you are eating and living off Alpo."
Know too that dependable income sources are a dying breed. Historically, Americans could rely on some type of pension or other defined benefit plan, along with Social Security to fund their retirement living expenses. This made it easier to maintain savings and not need those buckets for income, says Melchiorre. Consequently, you need more savings than ever to sustain your lifestyle.
"The good news is we are living longer. For some, the bad news is, we are living longer. If there isn't enough accumulated retirement assets available because someone lived much longer than expected, then it can force the person to depend on someone to help with their income needs, as well as health care costs," says Bofford. This scenario ends up affecting not only the person who poorly planned, but the person they now rely on. The reality is that while $1 million may be enough to retire, the question is, "how long will you be able to stay retired?" asks Andrew Carrillo, managing principal, Barnett Capital Advisors.
Realize math is fuzzy
Truth is, "There is no real number. Each person has their own NUMBER and it depends on their spending and their lifestyle," says Gassman. The question is, "Do you know yours?"
Make a plan
The most important part of retirement planning is to have a plan. This includes taking a look at your current and expected sources of income and expenses to determine what your cash flow will look like during retirement and throughout your life expectancy, says Anthony Criscuolo, a certified financial planner with Palisades Hudson Financial Group.
As part of this process, establish your financial/retirement goals to determine how big a nest egg you need. "Knowing 'your number' is one of the most important aspects of your retirement plan, but before you can determine what your number is, you have to make a plan and establish your goals," says Criscuolo.
Take action
If you want to get to whatever is your number, you'll need strategy and discipline. "Don't put your kids' education expenses before your retirement needs. Many parents sacrifice earlier retirement or a comfortable retirement to foot the bill for their child's college expenses or children of the 'boomerang' generation living at home well into their late 20s," says Ventura.
Consider using a heavier equity balance in your retirement portfolio. "Having exposure to growth vehicles during retirement may add volatility, but it may also allow for a higher rate of return. This may permit higher income off of a lower starting investment base," says Ventura.
Save more. "Trim $300-$500 a month in expenses that can be put away for later use, rather than on luxury items now," says Farr. Contribute to retirement accounts as early as possible and in a tax efficient way, says David Richmond, president of Richmond Brothers.
Purchase long term care insurance. Says Ventura, "The biggest hazard to retirement success is maintaining two households at the same time. This happens when both spouses are alive, but one must go into an assisted living facility. Having insurance to help mitigate these costs can help both spouses be more comfortable in a trying time."
Long-Term Care Insurance – Do You Need It?
"There are 4 kinds of people in the world. Those who have been caregivers, those who are currently caregivers, those who will be care givers, and those who need care givers." – Roslynn Carter
Which one will you be?
Financial planning focuses on building and accumulating wealth for your retirement and, ultimately, the transferring of your wealth to the people that you love.
When people think about the challenges and threats to their retirements, the most commonly thought of culprit is financial losses in the stock market. However, people typically fail to consider the risks of other types of 'retirement invaders' such as health care costs and long-term care costs. Both of those situations can cause costly problems, often much more so than volatility in the stock market.
Planning for long term care is more than just more than simply planning for how to pay your bills. From a financial planning perspective, long term care insurance planning determines how much of the monetary risk a client wants to assume versus how much they are willing to shift to an insurance company.
So what does Long-Term Care Insurance do?
1. Long-Term Care Insurance is a tool that protects your lifestyle as well as your retirement nest egg and savings.
2. Long-Term Care Insurance provides and preserves the freedom of choice as to how and where care is to be received.
3. Long-Term Care Insurance gives your loved ones peace of mind to care about you and not care for you.
One of the greatest myths about Long-Term Care is as it relates to Medicare. Generally, Medicare does not pay for Long-Term Care. Under limited circumstances and for a limited period of time Medicare will pay for medically necessary skilled nursing facilities or home health care. You must meet the rigorous conditions to be eligible for Medicare to cover the costs. Most Long-Term Care is to assist people with support services, for example: activities of daily living like dressing, bathing, or using a bathroom. Medicare does not pay for this type of care called custodial care.
4. Those who purchase qualified Long-Term Care Insurance can take a tax deduction for part of the premium. The tax deductibility limits for 2013 and 2014 are:
For those who live in certain states (for example, New York), your state may provide a special tax deduction or special tax credit.
Why is it important to consider Long-Term Care Insurance now?
"Old age is like everything else, to make a success of it, you've got to start young." – Theodore Roosevelt
1. Eligibility for the purchase of long term care insurance: any change in health, can impact your ability to obtain Long-Term Care Insurance. Waiting to apply could be a very costly mistake.
2. Potential $ Savings: The younger you start Long-Term Care Insurance, the more you can save on premiums.
If you want to learn more, contact us.
Retirement rollovers? 401Ks, 403Bs, and IRAs.
If you're closer to retirement, there are certain decisions that will be required for you to make as it relates to your employer sponsored retirement plan such as a 401K or 403 B plan. For the most part, these monies have accumulated as tax-deferred in these types of accounts. Tax-deferred accumulation means that when you withdraw the money in retirement:
1. The withdrawn money will count as income
2. The withdrawn money will be subjected to income tax (federal and state)
In order to avoid paying income taxes, you generally have two options:
1. Leave the money in the plan
2. Roll the money over into an individual retirement account (IRA)
In order to determine which option makes the most sense for you, you will need to explore the pros and the cons that accompany each of these choices.
Option 1: Leave your money in a 401K or 403B account
Pros & Cons:
The benefit of leaving the money in the 401k or 403b account is that you aren't required to do anything until you need to withdraw the funds from the accounts. However, you also will not be able to add any money or deposit additional funds into the accounts once you have retired/are no longer working.
Even if you are retired, a benefit of leaving your money in your employer's plan is that you can continue to manage your money by the plan administrator just as you did when you were an employee.
In order to determine whether or not to leave your money in the account, you will need to check your options as it relates to your withdrawal options. Some companies will limit both the minimum amount you can withdraw at any given time as well as how frequently you can make withdrawals. It is important to make sure that the regulations around frequency of withdrawals and withdrawal amounts matches your future needs. In other words: you need to read the fine print.
It is also important to ensure that you know when you are required to begin taking distributions from your employer-sponsored retirement plans.
Another important factor to consider is, in the event of death, what plan distribution options are available to your beneficiaries.
Lastly, consider the investment options for your employer-sponsored plan. Typical 401ks and 403b plans have a limited number of investment options to the employee.
Option 2: Rollover your money to an IRA
Pros & Cons:
Typically, rolling over employer-sponsored retirement accounts to an individual retirement account will provide you with the greatest amount of control and flexibility. It will enable you to access your money at any point, as frequently as you wish.
Most financial institutions will provide a plethora of options from which IRA holders may choose. In contrast to an employer-sponsored plan, you won't be limited to a small number of investment options.
You will want to analyze or examine the costs and fees associated with an IRA such as mutual fund internal expense ratios, money management fees, fees for maintaining an IRA and any fees incurred for rolling your money over.
However, remember that once you reach age 70.5 you must begin withdrawing funds in accordance with the IRS tables and can no longer defer taking contributions.
Lastly, be sure to check your state statutes to understand whether your money will be protected from creditors.
To rollover or not rollover? It all comes down to determining your goals and objectives.
Last Minute Tax & Financial Planning Moves to Save Money for 2013
With November around the corner, we're beginning to think about year-end tax & financial planning.
In fact, now is a great time to focus on last minute tax and financial planning moves to save money for 2013 (and possibly longer!).
Here are a few ways to save $ before New Year's Day:
1. Make charitable gifts of appreciated stock. If you have appreciated stock that you've held for more than a year and you plan to make a significant charitable contribution before the end of the year, you're probably best off keeping your cash and donating the stock instead. Why? You'll avoid paying tax on the appreciation and you'll be able to deduct the entire charitable gift at its full fair market value. It's a win for you & for the recipient of your gift.
2. If it looks like you will owe taxes for 2013, adjust your federal income tax withholding before the end of the year. If you missed the mark on planning ahead, there is still time to make adjustments and avoid penalties.
3. If you have a healthcare Flexible Spending Account (FSA), use it, don't lose it! Make sure to take advantage of spending the pre-tax money in the account before the end of the year for any remaining amounts over $500. Anything under $500 can now be "rolled over" into the new year, a newly modified ruling by the IRS.
4. If you pay quarterly estimated taxes (which are due on January 15, 2014), you can prepay the state estimated tax payment by the end of the year to receive a tax deduction (subject to certain limitations and the alternative minimum tax).
5. If you are a senior over the age of 70.5:
- Make charitable donations from your IRA account, which are set to expire this year.
- Make sure you take your required minimum distribution (RMD) from your IRA. Failure to take your RMD results in a penalty of 50% of the amount not withdrawn.
6. If you work & have a 401K:
- Make sure to maximize your 401K contributions – don't miss out on money you can contribute on a pre-tax basis (not to mention employer matching opportunities).
7. If you're self-employed:
- If you are a sole proprietor, don't miss the opportunity to minimize taxes by employing your children under the age of 18. Paying wages to children under 18 shifts income to your child who is in a lower tax bracket; in fact, you may be able to avoid taxes entirely because of your child's standard deduction (assuming the wages paid are less than or equal to the 2013 standard deduction of $6100). Additionally, since your child is earning income, he/she is eligible to contribute to an IRA account, thereby getting an early start on saving for retirement.
- If you are looking to reduce your tax bill while saving for retirement, you may wish to consider establishing a retirement plan before the end of the year (such as a defined contribution plan or a defined benefit pension plan). These plans need to be established before the end of the year and contributing money now to these accounts starts the tax-deferred growth on your contributions.
Now is a great time to make year-end adjustments. If you are interested in learning more about year-end financial planning, call us.
3 Reasons Why You Need to Have a Will
3 Reasons Why You Need to Have a Will
This week is National Estate Planning Awareness Week, which begs the question: why do I need a will?
In fact, more than 50% of Americans do not have a will, according to a 2012 Rocket Law survey, putting their families, assets, and legacies at risk.
Here are 3 reasons to be prepared:
1. Protect your assets. When someone dies without a will, they die intestate. If you die intestate, your estate is sent through probate court and determined by your state's succession laws.
State imposed rules do not fulfill the wishes of the deceased. They are inflexible, impractical, and never include provisions for anyone not related to you. So, if you want to hand down your grandmother's china to your stepdaughter, to have your best friend look after your dog, or to leave any of your estate to someone outside your immediate family, it is imperative to have a legal will in place.
Most people spend their entire lives working to create their assets; having a will in place ensures that your possessions and other assets end up in the hands of the people you care about.
2. Protect your children. One of the most important ways to provide for your children in the event that you are no longer around to do so is to designate a guardian and make a contingency plan that includes the logistics and financial aspects of caring for them. Writing a will allows you to designate the person that you want to care for your children. In the event of the death of both parents without a legal will, the state steps in and appoints the guardian of its choice for your children; there is no guarantee the state-appointed guardian will share your morals or values.
This is especially important for parents of special needs children. Parents with children who have special needs should create a supplemental needs trust, a special type of trust which ensures that the children do not lose access to needs-based government benefits due to inheritance of assets.
3. Protect your legacy. Adding the stress of fighting with lawyers (and possibly family disputes) is the last thing anyone wants while grieving for a loved one. Writing a will allows you to choose fiduciaries, the person/people/institutions responsible for the administrative work after your death. Appointing someone to manage your money, file paperwork such as tax returns, and protect your property ensures that your legacy is administered as you intended and protects your loved ones from unnecessary bureaucracy and stress.
It is important to plan ahead. Contact us today at 212-221-7067 to learn more about what we can offer you from our Estate & Charitable Planning Services.
Estate Tax & Transfer Analysis • Tax Reduction Strategies • Gifting Strategies • Charitable Giving • Planning For Children with Special Needs • Survivor Planning & Services


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When in your life did you stop singing? When in your life did you stop dancing? When in your life did you stop telling stories? This Navajo wisdom, which became part of the multi-cultural pedagogy of the late anthropologist, Angeles Arrien, serves as a guideline for self-love and leads to a powerful practice of human connection. This practice is empathy. Bringing empathy into relationships results in new levels of understanding and appreciation of one another and results in heightened communication, partnership, and collaboration in both professional and personal life.
Berkeley Executive Coaching Institute Founder Dr. Mark Rittenberg delivered this talk at TEDx event using the TED conference format but independently organized by a local community. Learn more at https://www.ted.com/tedx.


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It is with great pleasure that we announce our first exhibition for artist C. Gregory Gummersall. Gummersall joined our gallery a year ago and has added a distinctly modern edge to our collection of Contemporary Art. We invite you to attend an Artist Reception, June 1st, from 5:00 to 8:00 p.m. to meet Greg Gummersall and be among the first to see new works he will unveil that evening. Attendees will also be treated to a special Artist Interview presentation at 6:00 p.m. led by Dr. Jennifer Bryant Nagel. The large canvases painted by Gummersall are filled with gestural brushstrokes that may suggest symbols or signs, often capturing the feel of quickly-drawn graffiti. But this sense of immediacy is contrasted by the artist's practice of building on his elements: He erases nothing, layers his paint, and allows the history of his marks to remain visible. The sense of play evoked in each Greg Gummersall painting is one of substance and meaning. With solo exhibitions dating as far back as 1978, from Colorado to Chicago, California to Switzerland, Germany, New Mexico, Oklahoma and Arizona, C. Gregory Gummersall has made his mark on the art world. We are happy to add Sedona, Arizona to that prestigious list.
Back to All Events
Earlier Event: May 4Ted CoConis: Masterpiece
Later Event: July 6Summer Celebration 1


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Page 4: Place
The place element of the marketing mix involves making products available to the customer in the most convenient way. JD operates in:
- the high street
- out of town locations
- shopping centres
- e-commerce.
JD wants to make the shopping experience distinctive from that of its rivals. It does this by innovative displays and creative imagery to make the store experience fun and exciting. For example, the JD store in Cardiff won a UK Retail Interior Of The Year award for its design and ambience. This included a giant table-football fixture and light-boxes to display trainers.
The JD Property Committee meets regularly to look at the performance of all stores and consider new locations. This includes analysing sales performance and forecasting sales.
This type of data helps JD to assess where its outlets are giving the best return on investment. The right location can maximise sales, limit costs and therefore maximise profits. There are a range of factors that influence the choice of new store locations.
In addition to traditional forms of shopping, JD has also invested in e-commerce. JD recognises that with the increasing use of online shopping, consumers now expect very high standards of service and functionality from a web ordering site. In order to reach consumers in the best possible way, the company's web designers constantly aim to improve the functionality of the site. It is now possible for consumers to buy products directly from the website.
In a mystery shopper survey of 49 major UK e-commerce sites in 2010, JD was the top all-round performer. It scored well for:
- quality of its customer service - particularly its clear delivery and returns information
- its checkout process - which is simple and easy to use
- its product pages - with photography that provides consumers with the most helpful views of products before they buy.


text: Catalogue design for Karol Lewalski – an artist focusing on color linocut. The goal of our project was to express the dialogue between the typography compositions, layout and Karol's artistic works and his creative process. Karol Lewalski is the author of all linocuts and drawings presented above. Made with studio less.


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Hello world! Welcome to the first blog for Tim Grimsey – Hobart Celebrant.
In my first blog post, I wanted to share with you a project I worked on over Easter 2018. As a new wedding celebrant, I have decided to create new ideas for promotion. Ideas that are not gender specific that everyone can relate to – or at least get a chuckle from.Read More


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Air dehumidifier
Art. 84-002
Out of stock
Shelf location:
In stock in and in {0} other stores
Not in stock in In stock in {0} store
In stock in {0} store
Reduces humidity for a pleasant indoor climate. Can also be used as an extra drying aid for washing. With ionisation for cleaner air. With a 60 cm hose for continual water removal. Dehumidifying capacity (Max.): 10 l/24 hours (30 °C/80 %). Recommended room size: 15m². Timer: 0-24 hours. Status indicator: Indicates when the container is full.


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My Funny Valentine (1991)
Unfamiliar with this week's tune? Hear it here.
1) In this song, Ms. Kitt sings that her lover is her favorite work of art. Tell us about a piece of artwork you can see from where you're sitting now. (Yes, that crayon drawing created by your 5-year-old nephew counts.)
It's actually super-dark in the corners of the room right night, so I can only barely see the papyrus my college roommate brought back from Egypt 34 years ago. I'm sure she paid approximately one dime for it, but we had it and a matching one my inlaws had matted & framed a few years ago.2) She asks him to not change his hair. When will you next find yourself in the stylist's chair?
I haven't had a haircut since early September, so I should probably get that remedied. My stylist is going to want to cut my hair shorter though, so there'll be an argument. "Argument" is too harsh; there'll be a discussion.3) Ms. Kitt always wanted to be a performer and attended the New York School of Performing Arts (aka the "Fame" school). Think back to your high school self. In what ways would you be surprised by how your life turned out?
I had no specific expectations for what my adult life would look like. I think it's turned out more or less the way I assumed it would.4) Ms. Kitt took over the role of Catwoman on TV's Batman. Name another Batman villain.
Gotta go with The Penguin.5) Ms. Kitt enjoyed tremendous success performing in Parisian nightclubs. Have you ever been to Paris?
Nope. Not really all that interested.This is the last Saturday 9 before Valentine's Day and so this morning we shall focus on the upcoming holiday.6) The holiday is also known as The Feast of St. Valentine. Do you have a special meal planned for next Wednesday?
Oh, you're funny as hell. No. I work 5-9 that day, so no fun meals for me that day. And very likely there will be no Valentines either.7) The phrase "wear your heart on your sleeve" began in medieval times. On Valentine's Day, men would celebrate the holiday by displaying their lady love's name on their sleeves. If you were going to adopt this custom, whose name would you wear?
Beast, of course.8) Women buy and send more Valentines than men do. What's the last greeting card you received?
I got a couple of cards ("Hi, we love you!" non-Valentines) yesterday...so don't feel so bad for me regarding the lack of cards next week. ;-)9) Men buy and send more roses at Valentine's Day than women do. What's your favorite flower?
Heirloom roses, from the year. This year, I might just go buy myself some flowers. I'm in need of a reminder than winter will end eventually.


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Ami Ami Chair
Manufacturer: kartell
Designer: Tokujin Yoshioka
+49 7231 313061
Inspired by the play between the warp and the weft in cloth, the Ami Ami chair whose name in Japanese literally means "to weave" was born of the desire of the designer, Tokujin Yoshioka, to reproduce one of the stylistic icons typical of his country - weaving. The simple squared off lines contrast with the richness of the weaving and this is achieved on the inner and outer surfaces through a complex industrial process which recreates the motif using a single mold. Ami Ami brings together the appeal of oriental culture and the use of innovative materials like polycarbonate and is available in two transparent versions - crystal and smoke, and in three matte versions - red, white and black.
creativity and technology, glamor and functionality, quality and innovation - that's kartell.
Do you have a question about "Ami Ami"? How can we contact you?
Your message was sent.
or please call us:
+49 7231 313061
Monday - Friday: 9.00 am - 6.30 pm
By appointment also after 6.30 pm
Saturday: 10 am - 4 pm
dieter horn GmbH
Karlsruher Straße 91
75179 Pforzheim
› Your way to us


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This confetti soap was made with leftover soap base from our cherry blossom cold process soap and the remaining red confetti.
Fragrance Oil: see cherry blossom listing, but also contains and additional .5 oz of Bulk Apothecary Japanese Cherry Blossom. The additional fragrance was to ensure a strong fragrance despite the additional unscented confetti added.
The confetti used in this is the same as in the cherry blossom and island petals soap. It came from a batch that behaved in an unusual way. The particular batch rose like a biscuit as it saponified. I have never seen that behavior before and still can't explain it. The outcome was that the red color was extremely intense and the soap was so amazingly gentle and moisturizing. I am both glad and sad it has never happened since. lol


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The potentially overwhelming world of social media that can't be ignored.
I am by no stretch of the imagination a social media expert. I am writing this as a novice, as an owner of a creative small business and as someone who believes we should never give up learning. Several months ago I had an itch to challenge myself again and try something new. So, in short, I teamed up with three lively, creative and clever women to launch a community within our riverside town of Henley-on-Thames and we called it The Creative Duck (a little nod towards the river there).
Our aim is to provide a fun and informative community for creative individuals and small business owners. A space where we can all support, learn and collaborate together through talks and workshops, usually with a glass of something in hand. The latter part being fairly integral to the events.
Fast forward a couple of months from my itch and it's the day after the night before (our first event which was a talk on social media) so I'm still buzzing from seeing 60 people united together by a common interest (creative stuff, a passion to learn and wine). I thought it would be useful to summarise some of the little pearls of wisdom that I feel I can take away and put into practise, from a 'I'm still learning' perspective.
So here goes.. The Top Three Tips…
Before you get started, it's really useful to have a clear vision of how you want your small business represented. What is it's style, tone of voice and personality? This will help when you start writing your posts, taking and selecting images to use and even choosing your hashtags. Decide upon one or two filters to use and stick the them. This will help keep your photos looking uniform and people will get to recognise your style. When you write your posts, imagine you're talking to one person (a target audience 'friend'). No one wants a hard sell so let people get to know your brand, show its personality and be fun with it.
Understand why you're posting, what you're posting and who you're posting to. If you know your target market well, you should understand the best time of day to share your posts. If they're not scroll on social media, they wont see it. Posts get more engagement from mothers, for example, around 6.30-7.00am when they wake up and after kids' bedtime 7.30-10.00pm.
There are lots of APPs out there that can enhance your social media visibility and help you cut through the clutter:
- AdEspresso by Hootsuite directly (enables you to schedule your posts so you can reach your target market at the times they are most likely to be online, even if you're not. If you're really organised you could schedule several posts for the week in one go). You can also do this directly on Facebook.
- Canva (creates professional looking designs for Instagram, Facebook, flyers and lots more. Really easy to use and you can incorporate your own photos or select from their range).
- Ripl (allows you to create little fun slideshows, using your photos. You can overlay with text, add your logo and choose from their music library).
- Iconosquare, Later, Buffer and Planoly (these are analytics and scheduling platform for Instagram).
It's good to talk! This is so much easier to do on Instagram. Start interacting with your target market and your followers. Like and comment, but obviously be genuine. You'll be pleasantly surprised by the impact this has on your own post engagements and you'll get to know some interesting people / small businesses in the process. Make sure you reply to people that have commented on your posts, especially if the posts are negative (you can always take it to a private message but don't ignore it).
For me personally, I've decided to focus on Facebook and Instagram. I'll investigate setting up a business page on Pinterest a little later down the time. It's important to treat each platform separately, the content should differ, with just a little cross over. This means no hashtags on Facebook! I had nearly given up on my Facebook business page but then I learnt (ok, sort of vaguely understood) about algorithms. What I'm taking away from the talk, with regards to this platform, is:
- Get a pixel set up on my website (potentially each page). You can copy the code from your Ad Manager / Assets / Pixels, and then paste it into the code on your website. You might need to seek advice from your website provider on this. This pixel will help you build your 'custom' audience. Best to focus on them when running a Facebook Ad, then 'lookilike' people. 'Core' audience is simply 'best fit' so not as likely to be your target market as the other two audiences.
- Create Ads instead of just boosting your posts.
- Catching people's attention with good visuals or animations. Facebook page posts spread they're done well, have good content etc.
I find Instagram so much easier to understand. I enjoy following individuals and small businesses that are doing it well and this is the best way to learn I feel. Key points I'm taking away from the talk are:
- Choose a couple of filters and stick to them.
- Use lots of hashtags. Ones that you think your target audience searching might look up (if they're relevant to your product obviously).
- Don't just share posts of your product. Share some 'behind the scenes' content so your followers can get to know your brand better.
- Try to do a couple of posts a day, at the appropriate times to your target audience. This will increase your followers and help them get to know your better and increase the chances of converting to a sale.
All in all, I feel like I've learnt loads from the talk (thank you Aspen from Hello Henley)! Now I just need the TIME to start doing it all but I'm realising fast that this social media 'stuff' can't be ignored!
READ - Profitable Social Media Marketing by Tim Cameron-Kitchen
LOOK UP - Natasha Courtney-Smith (author, blogger and social media guru)
FOLLOW - Micro Influencers like Kat Farmer '@doesmybumlook40'
The stats
Facebook has 1.49 billion people using it per month (double what it was in 2011) Twitter: 300 million total users
Instagram: 77 million total users spend an average of twenty-one minutes per day using the app. That is 50% longer than they spend on mail, phone calls and email.
Of the 7.2 billion people on earth, 3 billion have Internet access; 2.1 billion are active on social media; and 1.7 billion use social networks from a mobile device
The number of worldwide social media users is expected to reach 2.5 billion by 2018
(source: Hello Henley)


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Hi there,
Since I was a child I loved to read. As a young girl of 8 I went to the local public library to read piles of books. Especially around Summer time. We always went for the whole Summer holidays to Spain, to visit my Spanish family. During the Siesta time, when it is too hot to go outside, my parents and other family members went for a nap and I would usually lay down on my bed reading all sorts of books to enter different worlds.
My love for books has never ended. When my children were born, I had to stop reading as I did not have the time to read. Now that they are older, I finally can find the time to read again.
This Summer I wanted to broaden my perspective and try out new readings. I asked a client of mine, who is a huge book fan, to curate a reading list for transformation. When she sent it to to me, I was happy to see that we had a very similar taste as I have read "The Alchemist", "Siddhartha", and "Sophie's World" before my children were born.
When she sent the list, I started with the book " Leaving microsoft to change the world" and it was such a lovely read. I can highly recommend this book. And the other's I read before. Honestly I can recommend reading them all.
The following six weeks I will make time to read at least a book a week to change perspective, learn and enter new worlds. This will be part of my Summer Slow Down. I encourage you to read some of the book recommendations below and I would love to hear your findings when you have read them. You can follow me on Instagram where I will share and add new titles to the Summer reading list. On my Insta stories you will find the updates.
Here are the 10 titles of books for a transformative Summer
"The Alchemist" by Paulo Coehlo.
An uplifting fable about facing your fear of failure and finding the courage and confidence to believe in yourself and follow your own path.
"Siddhartha" by Hermann Hesse.
This hugely influential classic first published in 1922 shares the journey of a privileged man's road to finding meaning and purpose, tying in Eastern and Western spirituality, philosophy and psychoanalysis.
"Leaving Microsoft to Change the World" by John Wood. Storytelling about social entrepreneurship at its finest.
If you've ever wondered how to take all those learnings from the corporate world and apply them to a cause you're passionate about, this autobiography is for you. The story of John Wood's journey to leaving his executive career in Microsoft to founding the hugely impactful Room to Read.
"Educated" by Tara Westover (memoir of the tension of family loyalty and self-invention and fulfilling your true potential).
This is an astonishing memoir about one girl's quest for self-invention following a strictly isolated upbringing as part of a survivalist family living in the mountains of Idaho. No home-schooling, no medical care, no authorities. Tara shares her journey to find her own sense of self and follow her natural path against all odds.
"All These Wonders" by The Moth & Catherine Burnes
A collection of 49 true stories taken down from The Moth's stages and spanning the whole range of human experience, underlining the importance of sharing our stories of risk and courage in facing the unknown.
"Sophie's World" by Jostein Gaarder.
fter finding two questions in her mail box ("Who are you?" and "Where does the world come from?") Sophie begins corresponding with a mysterious philosopher and we are treated to Sophie's journey to wisdom through the history of philosophy.
"Power of Onliness: How to make your ideas mighty enough to dent the world" by Nilofer Merchant.
his inspiring book is filled with case studies showing how people have taken their background, passions, perspective to change the world around them for the better and shares insights on how each of us can do the same.
"Daring Greatly: How the courage to be vulnerable transforms the way we live, love, parent and lead" by Brene Brown. Combining a huge amount of research with personal stories, Brene Brown illustrates what it means to embrace vulnerability and find the courage to really engage with your life, your family and community. This book highlights what authentic leadership is all about.
"The Artist's Way" by Julia Cameron.
This book has helped millions of people rediscover and explore their natural creativity. Writing your morning pages and taking part in content detoxes will take you on your journey to discovering those beliefs that may not be serving you and guide you on realising your creative self.
"Wild" by Cheryl Strayed.
This is a gripping memoir of Strayed's epic hike across the Pacific Crest Trail as she grieves the loss of her mother and lays out her experiences and feelings around addiction, relationships and depression. She tells her story with total honesty and self-deprecation until you feel like you have travelled by her side.
Would love to hear your transformative book recommendations. Leave a comment below and I might add it to the list!
To your soul being,
Hi, I am Eva and I support women who are working hard to climb the career ladder or grow their thriving small business.
I facilitate them to create a life and career with purpose and wellbeing so that they can create a balanced and conscious life. I do this by helping them to re-connect with their body and soul. This alignment creates authentic leadership and contributes positively to our current changing world.
Find out the different services I offer for women like you or contact me when you wish to work together on your challenges.


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It was raining and cold on the January day that Julia & Turan were married.
I watched as their close community of family and friends filled the Union Project one by one to decorate their cake, arrange their flowers, set up the tremendous feast of ethic foods and homemade desserts and even build an alter where the two could stand and be wed. The Bahá'í wedding ceremony was warm. Family and friends took turns recounting heartwarming and hilarious stories about the couple.
We took some time to dance, in the rain and on the dance floor.


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The Scientific-Technical Board is a consultative and advisory body that coordinates the scientific and scientific-organizational activities of all departments of the Suleyman Demirel University. STB in its activities is guided by the University Charter, the laws of the Republic of Kazakhstan "On Science", "On Education", "On Innovation", normative documents of the Ministry of Education and Science of the Republic of Kazakhstan, the decrees of the rector and the decisions of the Academic Council of the University.
The main goal is to develop, coordinate and increase the effectiveness of research conducted by the university, accelerate the introduction of the results obtained in the production and training processes, upgrade the qualifications of the teaching staff and students of SDU.
The main tasks:
It has the right:


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From "Big Data" to "AI"
How to apply rigorous data-driven approach to decision making and business operations for enterprises
Michael Li, Head of Analytics, Data @ LinkedIn
AI: Collaboration and Productivity
Getting smart humans to work with intelligent machines – stories from Wall Street and Silicon Valley
Ivan Galea, VP, Business Analytics & Data Science @ Box
Case Study and Industry Perspective
AI and advanced analytics for products and applications for smart homes, new retail and intelligent manufacturing
Dongyan Wang, VP & Global AI Leader @ Midea Group
Case Study and Industry Perspective
Artificial intelligence and machine learning in the entertainment industry
Rezsa Farahani, Director, Machine Learning @ Vevo
The Future of AI
How AI will impact our world. Are you ready?
Bindu Reddy, General Manager, Deep Learning & AI @ Amazon Web Services
Big Data and Deep Learning at Scale with BigDL
Combining high performance computing and big data architecture for rich deep learning support
Yulia Tell, Technical Program Manager @ Intel
Yuhao Yang, Senior Software Engineer @ Intel
Leverage Big Data and Machine Learning in an AI Era
A step by step process that ties analytical growth into next generation opportunities
Peter Fishman & Vincent Yates – Zenefits & GE Digital


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Easy Gripper 3100-4T
Professional tools for handling of OTR/EM tyres up to 33.00R51
Ideal for:
Open Pit Mines
Tyre Manufactures / Dealers
Tyre Service
Developed for safe and efficient handling manipulation and service of large OTR tyres and wheels.
With a gripping range of Ø3.100 mm (122") and a lifting capacity of 4 ton (8.800 lbs) at a CoG of 600 mm (23,6"), the Easy Gripper 3100-4T handles tyres up to 33.00R51. When handling full wheel assemblies as inside duals, the Gripper handles up to 27.00R49 tyres.
The version of the Easy Gripper 3100-4T with the 90°
tilt function is ideal for use on forklifts.
The Compact version, as the Easy Gripper without the tilt box, is a good choice if the carrier can provide sufficient tilt.
By use of our crane module, the Gripper can also be fitted onto almost any truck crane system.
Unique and safe 3-point grip
Avoid accidents
Avoid deformation and damages of tyres
Avoid damages of rims and of the equipment
Centerplaced Integrated IR-camera system
For optimal view and orientation
Precise rotation +/-25°
Tilt function 90°, horizontal to vertical
Quick Shift System
Easy hook on and off. Shift between Gripper and forks in less than half a minute.
Easy shift of gripping pipes for various purposes
Telescopic pipes for long reach or 2 tyres handling
Tools for handling rings, to help tyre technicians with the hard and dangerous work
Can easily be attached at the end of the gripping pipes
Can push the tyre and can hold and place the ring
LED working light
Multiple Integrated IR-camera system
For even more comprehensive and precise handling of tyres and rims.
Customization on request
Reduces down time and improves the safety for the tyre technicians. See also the tools for handling the rings, when mounting or dismounting tyres.
For use in tyre production, warehouse, loading and unloading. Gentle and safe handling – horizontal and vertical.
As stationary solution in open pit mines or as mobile solution mounted on front loader, telehandler or truck crane.
Handling of tyres and wheels from unloading to warehouse and assembly lines. Mounting of wheels with tilt, precise rotation and camera system.
Technical Data
Lifting capacity:
Tyre diameter:
Standard pipes:
Telescopic pipes:
Requirements to forklift or stacker
Lifting capacity:
Pressure min-max:
Return pressure:
Explanatory description
(A) Cog Gripper
(B) Face of Gripper
(C) Cog Load1
(D) Cog Load2
Easy Gripper 3100-4T
3.000 kg (6.600 lbs)
4.000 kg (8.800 lbs) at (C) from (B) 650 mm
2.600 kg (5.720 lbs) at (D) from (B) 1.300 mm
1.530 - 3.100 mm (60-122")
Ø 180 x 900 mm (7 x 35,4")
Ø 180 x 1.700 mm (7 x 66,9")
FEM IV / V / Terminal Vest / Loader specific
Individual calculation
12 V supply / 10 A
1 double acting connection
150-250 bar (2.175-3.626 psi)
max. 10 bar (145 psi)
max. 50 l/min. (13 gal/min.)
1.510 mm (59,4")
1.640 mm (64,5")
2.240 mm (88,1")
2.940 mm (115,7")


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Concrete is one of the main civil engineering materials at the present times. According to a certain proportion, cementing material, aggregates, skeletal materials and water are mixed into configuration. By mixing and vibration, the concrete is molded and then conserved in certain conditions. The concrete features with abundant of raw materials, low price, and simple production process. For the dosage are more and more, the concrete also features with high compression strength, well durability, wide strength grade, etc. These features make the range of application of the concrete quite wide. The concrete is not only used in all kinds of civil engineering, but also shipbuilding industry, machinery industry, marine development, geothermal projects.
In the preparation of concrete, according to the requirements of the engineering, such as workability, strength and durability, the raw materials should be chosen reasonably and the proportion should be confirmed to achieve the economical and applicable purpose.
According to the different requirements and conditions in construction, the concrete can be concentrated mixed in the construction site or station. Automatic fall type mixer can be used for the concrete mixture whose liquidity is better. Mandatory mixer is used for the concrete mixture whose liquidity is lower or the harsh concrete. Before mixed, the materials should be prepared according to the proportion and the weighting error should be controlled. Both the mixing procedure and time have influence on concrete quality so that the mixing procedure and time should be under strict control to make various components well-proportioned.
Transmission and irrigation built: the concrete mixture can be transported to the construction site by hopper, rubber belt conveyor or mixing truck. The way of built filling can use manual work or the mechanical work. Using the concrete pump to transport and irrigate concrete mixture, this method features with high efficiency, which can reach hundreds of cubic meters per hour. Both the cast-in-site concrete engineering and prefabricated part, should confirm the density of the irrigation built concrete. The methods mainly consist of: vibrating screening, centrifugation, extrusion and vacuum operation. The vibration can be left out if the liquid concrete is mixed with some efficient water reducer.
The main purpose of the maintenance is to create the proper temperature and humidity conditions so that the harden speed of normal concrete can be confirmed or sped up. Different maintenance methods of concrete have different effects on the performance of concrete. The common maintenance methods consist of: natural maintenance, steam curing, dry hot and humid maintenance, autoclaved maintenance, the electric heating maintenance, infrared maintenance and solar maintenance. The curing period is the time of maintenance. In order to be compared with conveniently, the rule is that test specimens for determining the concrete performance must be maintained in standard conditions. The standard condition of maintenance in China is that the temperature is 20±3℃ and the humidity is no less than 90%
Rock Crusher http://www.rocks-crusher.org
Belt Conveyorhttp://www.impactscrusher.com/stone-crushing/Belt-Conveyor.asp
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How literal should you interpret a histogram? Where do the lines intersect between artistic expression and photographic technicalities? It's important to first recognize that a histogram is nothing more than a mathematical algorithm. It doesn't grasp the concept of what looks good versus what looks bad and it certainly doesn't equate your artistic vision into its calculations either. It wasn't until I became fully aware of how a histogram operates that I was able to determine where my own artistic expression overcomes the technical side of photography. If you look up the definition of histogram you'll discover this, "A graphical representation of the tonal values of an image." With that said, I see two use cases for the histogram, as an in camera exposure guide and a reference tool used during post processing. In camera, I use this as a means to quickly determine "acceptable" exposure and to ensure that I'm not losing any detail in the highlights or shadows of my image.
When it comes to post processing images in Lightroom, you'll notice a combination of the luminance (grey) and RGB histogram. This might look intimidating at first, but once you spend some time with it, you'll quickly become comfortable with the information it provides. Along the X axis, moving from left to right, you have black tones, shadows, mid-tones, highlights and whites..simple as that!
I find the most useful histogram feature in Lightroom to be the clipping indicators that allow you to easily identify areas of your image that have clipped or "blown out" highlights or shadows. In order to see this use the shortcut key (J) to toggle the indicators on and off. Clipped highlights are displayed in red and clipped shadows are visible in blue.
Below is the final image after some additional edits and resolving the clipped areas, notice the difference in the before and after histogram.
So where does this leave us? Once you're comfortable with how to translate a histogram and understand how to use the resulting information during post processing, it becomes easier to discern between your artistic vision and the exposure technicalities. The below example illustrates this point well. This is a RAW file from a recent backpacking trip where I envisioned a dark, subdued image with a moody edge to it, as you can see it's quite underexposed with a large amount of shadow clipping which I was able to correct.
If I hold down 'Shift' and double click 'Exposure', Lightroom indicates that according to the histogram this image requires over 3.5 additional stops of exposure in order to "properly" expose the photo - below is the result.
This is obviously not what I envisioned the end result to appear like. Below is the final edit I landed on that closely aligns with my original artistic vision for the scene. If you were to look only at the histogram, you could easily draw the conclusion that this photo was underexposed, but in reality it's exactly how I envisioned the end result - I love it!
I believe we all have similar images and situations as this in our portfolios where the photo may not be "technically" sound, but it matches the output in our minds and at the end of the day - that's really all that truly matters.


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