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Lending Works is a peer to peer lending platform that connects investors with UK consumers seeking personal loans. Investors automatically diversify their capital across multiple borrowers when they lend through the platform, they cannot manually select loans.
Risk and Security
The principal risk is a large number of borrowers default. The Lending Works 'Shield' protects investors from missed repayments through a combination of diversification, insurance and a provision fund. The maximum exposure a lender will have to a single borrower is 5%, ensuring healthy diversification across loans. The provision fund is maintained at a sufficient level to cover expected arrears and defaults. The other tier of protection in the Shield comes in the form of insurance, which is backed by three A and B-rated UK insurers.
Recovery Process
If a borrower is late in making a repayment, the Lending Works Shield will cover the payment, while the recovery process commences. Lending Works will make initial contact with the borrower and if the borrower still fails to pay, a third party debt collector will take steps to recover the debt.
Withdrawing Funds
To withdraw funds early, investors must sell their loan parts to other investors on the Lending Works secondary market. Lending Works charges 0.6% or £20 (whichever is greater) to sell any loan commitments on the secondary market. Additional charges may apply if there's an 'interest rate shortfall' between current rate on sale and the rate expected by the substitute investor.
Platform Failure
In the event of insolvency, Lending Works has an arrangement with a back-up services provider who would step in to manage the remaining loan agreements to maturity and ensure that all loan repayments continue to be made to investors as planned. Any funds sitting in cash are held in a segregated client account and can be transferred to the investor at any point.


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10 Best Funny Children's Books
Funny books for kids
Laughter is extremely beneficial for all people. It is very important especially for growing, developing children. Studies show that laughing and having fun, boosts the body's immune system for three days: the day of the fun and the next two days. Laughter reduces stress and increases children's ability to learn better.
Some of the things you can do with your child to help them have fun and laugh is to sing silly songs with kids, tell each other simple jokes, draw funny pictures, or take pictures of each other with a camera while making silly faces, tell each other funny stories, play interesting fun games together and watch funny cartoons.
One of the great ways to have fun with kids is to read silly books together.
Here are 10 books you can read with your child to promote their brain development and boost their immune system:
1. Once Upon Macdonald's Farm by Stephen Gammell
2. Moira's birthday by Robert Munsch
3. Silly Sally by Audrey Wood
4. Thomas' Snowsuit by Robert Munsh
5. The King Who Reigned by Fred Gwynne
6. Muddle Cuddle by Laurel Dee Gugler
7. Wacky Wednesday by Theodore LeSieg
8. Caps for Sale by Esphyr Slobodkina
9. Imogene's Antlers by David Small
10. Falling Up by Shel Silverstein
I am on the opposite side of the spectrum than Bill, because I don't have any kids nor am I married, LOL So, maybe I can get some of these books to enjoy for myself :)
This hub is a little late for me as my son is now twenty-seven, but if I ever have grandkids I will refer to this list. Besides, I just wanted to show you some support. :)

subset: commoncrawl


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- GreggAsked on February 09, 2016 at 12:58 PM
Can you help me find out why our form is currently getting this "Form as exceeded its allocated quota" error?
Also, our IT Director Troy Kyle is no longer working here and I have taken his place. My name is Gregg Curtin and my email is firstname.lastname@example.com, Phone 5123704188. Is there a pending payment needed to continue service? Can you forward me any additional invoices or billing information?
Thank you,
Gregg Curtin
- JotForm SupportBJoannaAnswered on February 09, 2016 at 03:05 PM
Form you provided is created on account pecutx. That account is free account type. As free user you have a limit of 100 submissions per month and currently you have 157 submission. Because of that your forms are disabled.
For free accounts, submission counter is reset on first day of each month.
If you want to have more submissions you can upgrade you account. More about different type of accounts you can find on our Pricing page.
Considering that you mentioned that owner of that account no longer works with you and if you do not have access to this account, I would suggest you to contact Troy and ask him to provide you password of that account. Than if you want you can change email address of that account and password.
Hope this will help. Let us know if you need further assistance.


text: I no longer have the product key to my Office Home & Student 2010. I had to have my hard drive cleaned due to a virus and they removed Office when they did this. I have the disc to reinstall, but no longer have the product key. Is there any way I can retrieve it? I do not want to pay for another Office Program if I can help it. Thank you


text:
Simulating U.S. tax reform
Download full text from publisher
Other versions of this item:
- David Altig & Alan J. Auerbach & Laurence J. Kotlikoff & Kent A. Smetters & Jan Walliser, 1997. "Simulating U.S. Tax Reform," NBER Working Papers 6248, National Bureau of Economic Research, Inc.
References listed on IDEAS
- Charles T. Carlstrom & David Altig, 1999.
"Marginal Tax Rates and Income Inequality in a Life-Cycle Model,"
American Economic Review,
American Economic Association, vol. 89(5), pages 1197-1215, December.
- David E. Altig & Charles T. Carlstrom, 1996. "Marginal tax rates and income inequality in a life-cycle model," Working Papers (Old Series) 9621, Federal Reserve Bank of Cleveland.
- John F. Henry & L. Randall Wray, 1998.
"Economic Time,"
9811004, University Library of Munich, Germany.
- John F. Henry & L. Randall Wray, 1998. "Economic Time," Economics Working Paper Archive wp_255, Levy Economics Institute.
CitationsCitations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
Cited by:
- Jacques Le Cacheux & Vincent Touzé, 2002.
"Les modèles d'équilibre général calculable à générations imbriquées. Enjeux, méthodes et résultats,"
Revue de l'OFCE,
Presses de Sciences-Po, vol. 80(1), pages 87-113.
- Jacques Le Cacheux & Vincent Touze, 2002. "Les modèles d'équilibre général calculable à générations imbriquées: Enjeux, méthodes et résultats," Sciences Po publications info:hdl:2441/2091, Sciences Po.
- Jacques Le Cacheux & Vincent Touze, 2002. "Les modèles d'équilibre général calculable à générations imbriquées : enjeux, méthodes et résultats," Post-Print hal-01017728, HAL.
- Fehr, Hans & Ruocco, Anna, 1999. "Equity and efficiency aspects of the Italian debt reduction," Economic Modelling, Elsevier, vol. 16(4), pages 569-589, December.
- Fougère, Maxime & Harvey, Simon & Mercenier, Jean & Mérette, Marcel, 2009.
"Population ageing, time allocation and human capital: A general equilibrium analysis for Canada,"
Economic Modelling,
Elsevier, vol. 26(1), pages 30-39, January.
- Maxime Fougère & Simon Harvey & Jean Mercenier & Marcel Merette, "undated". "Population Ageing, Time allocation and Human Capital: a General Equilibrium Analysis for Canada," EcoMod2007 23900026, EcoMod.
- Fougere M. & Harvey S. & Mercenier J. & Merette M., 2008. "Population Ageing, Time allocation and Human Capital: a General Equilibrium Analysis for Canada," Working Papers ERMES 0806, ERMES, University Paris 2.
- Mathieu-Bolh, Nathalie, 2010. "Welfare improving distributionally neutral tax reforms," Economic Modelling, Elsevier, vol. 27(5), pages 1253-1268, September.
- Peichl, Andreas, 2005. "Die Evaluation von Steuerreformen durch Simulationsmodelle," FiFo Discussion Papers - Finanzwissenschaftliche Diskussionsbeiträge 05-1, University of Cologne, FiFo Institute for Public Economics.
- Smetters, Kent & Walliser, Jan, 2004. "Opting out of social security," Journal of Public Economics, Elsevier, vol. 88(7-8), pages 1295-1306, July.
- Hirte, Georg, 2001. "Pension Policies for an Aging Society," Beiträge zur Finanzwissenschaft, Mohr Siebeck, Tübingen, edition 1, volume 14, number urn:isbn:9783161475399, September.
- Ventura, Gustavo, 1999.
"Flat tax reform: A quantitative exploration,"
Journal of Economic Dynamics and Control,
Elsevier, vol. 23(9-10), pages 1425-1458, September.
- Gustavo Ventura, "undated". "Flat Tax Reform: A Quantitative Exploration," Computing in Economics and Finance 1997 172, Society for Computational Economics.
- Ventura, G., 1997. "Flat Tax Reform: A Quantitative Exploration," UWO Department of Economics Working Papers 9706, University of Western Ontario, Department of Economics.
- Ernst Fehr & Wolfgang Wiegard, 2001. "The Incidence of an Extended Ace Corporation Tax," CESifo Working Paper Series 484, CESifo Group Munich.
- Edward N. Wolff & Ajit Zacharias, 2003. "The Levy Institute Measure of Economic Well-Being," Economics Working Paper Archive wp_372, Levy Economics Institute.
- Katharine Anderson & Eric French & Tina Lam, 2004. "You can't take it with you: asset run-down at the end of the life cycle," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q III, pages 40-54.
- Lewis, Kenneth A. & Seidman, Laurence S., 2001. "The Consumption Tax and Transitional Relief," Journal of Macroeconomics, Elsevier, vol. 23(1), pages 99-120, January.
- Harry ter Rele, 2005. "Measuring lifetime redistribution in Dutch collective arrangements," CPB Document 79, CPB Netherlands Bureau for Economic Policy Analysis.
- Isabel Correia, 2010.
"Consumption Taxes and Redistribution,"
American Economic Review,
American Economic Association, vol. 100(4), pages 1673-1694, September.
- Correia, Isabel, 2005. "Consumption Taxes and Redistribution," CEPR Discussion Papers 5280, C.E.P.R. Discussion Papers.
- Isabel Horta Correia, 2005. "Consumption Taxes and Redistribution," Working Papers w200511, Banco de Portugal, Economics and Research Department.
- Jaime Acosta-Margain, 2011. "Tax-benefit incidence of value added tax on food and medicine to fund progressive social expenditure," Working Papers 194, ECINEQ, Society for the Study of Economic Inequality.
- Zodrow, George R., 1999. "The Sales Tax, the VAT, and Taxes in Between--or, Is the Only Good NRST a "VAT in Drag"?," National Tax Journal, National Tax Association, vol. 52(n. 3), pages 429-42, September.
More about this item
KeywordsIncome tax;
JEL classification:
- H20 - Public Economics - - Taxation, Subsidies, and Revenue - - - General
- C68 - Mathematical and Quantitative Methods - - Mathematical Methods; Programming Models; Mathematical and Simulation Modeling - - - Computable General Equilibrium Models
StatisticsAccess and download statistics
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IMPERIAL PALE ALE This beer style has been perfected on the West Coast and we are proud to create an extract version for the homebrewer. This beer is very big, very hoppy and somewhat arrogant. Use your homebrewing skills to make the most of this recipe!
Rozi's Wine House Incorporated has successfully operated wine and beverage stores in the Cleveland area for more than 70 years. Our family owned business was started by Maurice Rossen in 1939. The store is now operated by his son, Warren Rossen (2nd generation), and Warren's son, Gary (3rd generation). Rozi's three generations of maintaining a remarkable operating record and history of quality service to the community is a result of family pride and care.


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genová přestavba T-lymfocytů
Ordered rearrangement of T-cell variable gene regions coding for the antigen receptors.
genová terapie
The introduction of new genes into cells for the purpose of treating disease by restoring or adding gene expression. Techniques include insertion of retroviral vectors, transfection, homologous recombination, and injection of new genes into the nuclei of single cell embryos. The entire gene therapy process may consist of multiple steps. The new genes may be introduced into proliferating cells in vivo (e.g., bone marrow) or in vitro (e.g., fibroblast cultures) and the modified cells transferred to the site where the gene expression is required. Gene therapy may be particularly useful for treating enzyme deficiency diseases, hemoglobinopathies, and leukemias and may also prove useful in restoring drug sensitivity, particularly for leukemia.
introduction of functioning gene or genes into cells for the purpose of correcting an inborn genetic error, treating a disease by restoring or adding gene expression, or providing a new function to the cell; new genes may be introduced into proliferating cells in vivo (e.g., bone marrow) or in vitro (e.g., fibroblast cultures) and the modified cells transferred to the site where the gene expression is required.
Treatment that alters a gene. In studies of gene therapy for cancer, researchers are trying to improve the body`s natural ability to fight the disease or to make the cancer cells more sensitive to other kinds of therapy.
Application of genetic material (usually DNA) into cells in order to permanently correct an inherited disease or an acquired disease such as cancer. The genetic material as `naked` DNA can be delivered into the cells alone or can be delivered into cells by different types of vectors such as viruses which may contain DNA or RNA. Gene therapy techniques attempt to replace a faulty/missing gene associated with a particular disease, mediate localized delivery of a protein producing specified therapeutic effects, or introduce new cellular functions. Gene therapies are designed to deliver genetic material into somatic cells and not germ cells, so that only cells of patients and not those of their offspring contain and express the genetic material delivered. (NCI04)
všeobecný adaptační syndrom
The sum of all nonspecific systemic reactions of the body to long-continued exposure to systemic stress.
General adaptation syndrome is the set of changes in various organ systems of the body, especially the pituitary-endocrine system, in response to a wide range of strong external stimuli, both physiological and psychological. It is described as having three stages: alarm reaction, where the body detects the external stimulus; adaptation, where the body engages defensive countermeasures against the stressor; and exhaustion, where the body begins to run out of defenses. [http://www.onelook.com, PMID:14847556, Wikipedia:General_adaptation_syndrome]
anestetika celková
Agents that induce various degrees of analgesia; depression of consciousness, circulation, and respiration; relaxation of skeletal muscle; reduction of reflex activity; and amnesia. There are two types of general anesthetics, inhalation and intravenous. With either type, the arterial concentration of drug required to induce anesthesia varies with the condition of the patient, the desired depth of anesthesia, and the concomitant use of other drugs. (From AMA Drug Evaluations Annual, 1994, p.173)
péče o pacienta
The services rendered by members of the health profession and non-professionals under their supervision for the benefit of the patient. (From Dorland, 28th ed, p269)
services rendered by members of the health profession (or under their supervision) for the benefit of the patient.
Definition:To obtain records as part of patient care.
The concept concerned with all aspects of providing and distributing health services to a patient population.
všeobecné zubní lékařství
Nonspecialized dental practice which is concerned with providing primary and continuing dental care.
A dentist involved in the treatment of the oral facial disease who has not limited his/her practice to any dental specialty.
praktičtí lékaři
Physicians whose practice is not restricted to a specific field of MEDICINE.
generalizace (psychologie)
The phenomenon of an organism`s responding to all situations similar to one in which it has been conditioned.
The process of formulating general concepts by abstracting common properties of instances; reasoning from detailed facts to general principles.
generalizace – odpověď
The principle that after an organism learns to respond in a particular manner to a stimulus, that stimulus is effective in eliciting similar responses.
principle that after an organism learns to respond in a particular manner to a stimulus, that stimulus is effective in eliciting similar responses.
generalizace – stimulus
The tendency to react to stimuli that are different from, but somewhat similar to, the stimulus used as a conditioned stimulus.
tendency to react to stimuli that are different from, but somewhat similar to, the stimulus used as a conditioned stimulus.
A category of nucleic acid sequences that function as units of heredity and which code for the basic instructions for the development, reproduction, and maintenance of organisms.
segment of the genome that codes for a functional product.
The functional and physical unit of heredity passed from parent to offspring. Genes are pieces of DNA, and most genes contain the information for making a specific protein.
Description:A DNA segment that contributes to phenotype/function. In the absence of demonstrated function a gene may be characterized by sequence, transcription or homology
A functional unit of heredity which occupies a specific position (locus) on a particular chromosome, is capable of reproducing itself exactly at each cell division, and directs the formation of a protein or other product.
geny ara-C
Regulatory genes which encode a cyclic AMP receptor protein required for L-arabinose utilization in E. coli. It is an example of positive control or regulation of gene expression in the bacterial operon.
geny bakteriální
The functional hereditary units of BACTERIA.
geny vývojové
Genes that determine the fate of a cell or CELLS in a region of the embryo during EMBRYONIC DEVELOPMENT.
geny dominantní
Genes that influence the PHENOTYPE both in the homozygous and the heterozygous state.
geny env
DNA sequences that form the coding region for the viral envelope (env) proteins in retroviruses. The env genes contain a cis-acting RNA target sequence for the rev protein (= GENE PRODUCTS, REV), termed the rev-responsive element (RRE).
DNA sequences that form the coding region for the viral envelope (env) proteins in retroviruses.
geny fungální
The functional hereditary units of FUNGI.
geny gag
DNA sequences that form the coding region for proteins associated with the viral core in retroviruses. gag is short for group-specific antigen.
This gene is involved in retroviral core structure.
geny homeo box
genes that code for DNA binding genetic regulatory proteins in a variety of organisms, so named for the homeotic genes of Drosophila.
Genes that encode highly conserved TRANSCRIPTION FACTORS that control positional identity of cells (BODY PATTERNING) and MORPHOGENESIS throughout development. Their sequences contain a 180 nucleotide sequence designated the homeobox, so called because mutations of these genes often results in homeotic transformations, in which one body structure replaces another. The proteins encoded by homeobox genes are called HOMEODOMAIN PROTEINS.
Highly conserved DNA sequences which have been identified in specific gene transcripts ranging from those of Drosophila melanogaster to mouse and human. Homeobox genes function, in part, to generate DNA-binding proteins with an evolutionary conserved approximately 60-residue sequence (HOMEODOMAIN PROTEINS).
geny MHC třídy II
Genetic loci in the vertebrate major histocompatibility complex that encode polymorphic products which control the immune response to specific antigens. The genes are found in the HLA-D region in humans and in the I region in mice.
Genetic loci in the vertebrate major histocompatibility complex that encode polymorphic products which control the immune response to specific antigens. The genes are found in the HLA-D region in humans and in the I region in mice. Present peptides to CD4+ T cells.
geny imunoglobulinové
Genes encoding the different subunits of the IMMUNOGLOBULINS, for example the IMMUNOGLOBULIN LIGHT CHAIN GENES and the IMMUNOGLOBULIN HEAVY CHAIN GENES. The heavy and light immunoglobulin genes are present as gene segments in the germline cells. The completed genes are created when the segments are shuffled and assembled (B-LYMPHOCYTE GENE REARRANGEMENT) during B-LYMPHOCYTE maturation. The gene segments of the human light and heavy chain germline genes are symbolized V (variable), J (joining) and C (constant). The heavy chain germline genes have an additional segment D (diversity).
genes encoding the light and heavy chain segments of immunoglobulins; these genes undergo several DNA rearrangements during the differentiation of stem cells into B cells and plasma cells, permitting synthesis of the various immunoglobulin classes.
geny pro těžké řetězce imunoglobulinů
This region represents the germline organization of the immunoglobulin heavy chain locus. The locus includes V (variable), J (joining), diversity (D), and C (constant) segments. During B cell development, a recombination event at the DNA level joins a D segment with a J segment; a V segment is then joined to the D-J gene. The C segment is later joined by splicing at the RNA level. Recombination of many different V segments with several D and J segments provides a wide range of antigen recognition. Additional diversity is attained by junctional diversity, resulting from the random additional of nucleotides by terminal deoxynucleotidyltransferase, and by somatic hypermutation, which occurs during B cell maturation in the spleen and lymph nodes. (from LocusLink)
Genes and gene segments encoding the IMMUNOGLOBULIN HEAVY CHAINS. Gene segments of the heavy chain genes are symbolized V (variable), D (diversity), J (joining), and C (constant).
geny pro lehké řetězce imunoglobulinů
Genes and gene segments encoding the IMMUNOGLOBULIN LIGHT CHAINS. Gene segments of the light chain genes are designated as V (variable), J (joining), and C (constant).
geny letální
Genes whose loss of function or gain of function MUTATION leads to the death of the carrier prior to maturity. They may be essential genes (GENES, ESSENTIAL) required for viability, or genes which cause a block of function of an essential gene at a time when the essential gene function is required for viability.
any gene in which a mutation will result in the premature death of the organism carrying it.
geny MHC tř. I
Genetic loci in the vertebrate major histocompatibility complex which encode polymorphic characteristics not related to immune responsiveness or complement activity, e.g., B loci (chicken), DLA (dog), GPLA (guinea pig), H-2 (mouse), RT-1 (rat), HLA-A, -B, and -C class I genes of man.
Genetic loci in the vertebrate major histocompatibility complex which encode polymorphic characteristics not related to immune responsiveness or complement activity, e.g., B loci (chicken), DLA (dog), GPLA (guinea pig), H-2 (mouse), RT-1 (rat), HLA-A, -B, and -C class I genes of man. Present peptides to CD8+ T cells.
geny nef
DNA sequences that form the coding region for a protein that down-regulates the expression of human immunodeficiency virus (HIV). nef is short for negative factor.
geny překrývající se
Genes whose nucleotide sequences overlap to some degree. The overlapped sequences may involve structural or regulatory genes of eukaryotic or prokaryotic cells.
geny pol
DNA sequences that form the coding region for retroviral enzymes including reverse transcriptase, protease, and endonuclease/integrase. "pol" is short for polymerase, the enzyme class of reverse transcriptase.
This gene is involved in the replication of the retroviral genome.
geny recesivní
Genes that influence the PHENOTYPE only in the homozygous state.
geny regulační
Genes which regulate or circumscribe the activity of other genes; specifically, genes which code for PROTEINS or RNAs which have GENE EXPRESSION REGULATION functions.
structural genes that code for proteins which bind to DNA and regulate genetic events; compare with GENETIC REGULATORY ELEMENT and STRUCTURAL GENE.
Regulatory Genes encode products that regulate or circumscribe the activity of diverse cellular functions.


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Encrypted Connections with Amazon Relational Database Service (RDS)28 Jun 2010 Amazon published today that Relational Database Service (RDS) now supports SSL encrypted connections. You can now generate an SSL certificate for each database instance. Here are a few of the details about Relational Database Service (RDS) SSL connections:
- SSL encrypts the data transferred "over the wire" between your DB Instance and your application. It does not protect data "at rest." If you want to do this, you'll need to encrypt and decrypt the data on your own.
- SSL encryption and decryption is a compute-intensive task and as such it will increase the load on your DB Instance. You should monitor your database performance using the CloudWatch metrics in the AWS Management Console (pictured at right), and scale up to a more powerful instance type if necessary.
- The SSL support is provided for encryption purposes and should not be relied upon to authenticate the DB Instance itself.
- You can configure your database to accept only SSL connections by using the GRANT command with the REQUIRE SSL option. You can do this on a per-user basis so you could, for example, require SSL requests only from users connecting from a non-EC2 host.


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by Lydia
Hi, My name is Lydia. I am 13 years old, I'm very creative and caring. I love children and I have expierience watching my little sister since she was 3, she is 5 now. I would like a local job that pays well foronly a short, few hours.
Join in and write your own page! It's easy to do. How? Simply click here to return to Jobs for 13 Year Olds Wanted.


text:
Past event
Food Safety Class
Sunday 22 January 2017 – Sunday 26 February 2017, 06.00PM – 08.00PM Education City Student Center, Al Huqoul St, Doha, Qatar
Organised by Hamad Bin Khalifa University (HBKU)
Gain a clear and detailed understanding of the importance of food safety and the hazards of poor food safety. Learn how to safely handle food, what causes food poisoning and how to prevent outbreaks of foodborn illneses.
All events are accurate at the time of publication, please double check with the event organiser for more information and updates.


text:
Quiksilver's Shorty with a back zip and a thickness of 2/2mm.
For a timeless wetsuit you can rely on, there's the Base Syncro. Featuring a durable freemax neoprene, robust flatlock stitching, and hyper stretch underarm neoprene for an easier paddle, it is a comfortable and warm wetsuit that will last for years.
Hydrowrap adjustable neck closure
A completely adjustable neck closure system that creates a secure & watertight seal.
Quiksilver is unanimous with surfing. Kick starting production in 1969, the company has gone on to not only push the boundaries of the sport but go out of their way to support the people living it. With team riders, events, and charities Quiksilver work hard to benefit and enhance the quality of life for communities of board riders across the world. Ride on we say, ride on!


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Recently, a Vent writer wanted to know why the Bucks County Courier Times put more emphasis on Michael Vick and none on the teachers contract.
Let me straighten this person out on "The Facts of Life" (A TV show that aired in the '60s or '70s). First off, a sports figure like a stage or screen actor or actress is paid based on their performances and the amount of people who pay with their own money. A teacher on the other hand is paid with TAXPAYER MONEY no matter how good or bad they perform.
Let me give you a few examples. Last season Michael Vick along with the rest of the Eagles had a pretty good year and made it to the playoffs. That is the reason for the big contract; if they didn't the fans would not have paid big bucks of their own money to fill the stadium seats. A teacher on the other hand has a class of say 20 students and only one of the 20 passes and moves on to the next grade or graduates, because of years of service or tenure gets paid the same amount as a teacher who has a similar class of 20 students and all 20 students pass and move to the next grade or graduates. They are both being paid with taxpayer money which the taxpayer has not an ounce of say over.
Another example is a sports star (Terrell Owens) starts shooting his mouth off blaming everybody else on the team for his problems and gets suspended for seven games, and because he does not have tenure he does not get paid and then he is released. A teacher who goes on the Internet and writes derogatory remarks about her students so the whole world could see gets to keep her job because she has tenure.
I hope these examples answer the question why any news agency puts more emphasis on something the public has control over compared to something the public has no control over.
Harry E. Beard


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Melody has been making art and craft videos from the age of 5 years old. She used to be known as Little Snowflake Art and Snowdrop. Now, she just wants to be called MELODY. http://melodynevertoooldforlegoradio.blogspot.co.uk/2015/01/sponsoring-child-lego-artistsinger.html Melody has received presents from Lego and Dork Diaries author, Rachel Renee Russell. She wants to create Lego animations! https://www.youtube.com/channel/UCqKOQT3NTPn1qzj5Egsb-1w
Saturday, 28 January 2012
Scum gum Trash Pack mask real gum
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Over a 10-year period, the use of preoperative CT increased from 18.5% of patients who ultimately had their appendices removed to 94.2% (P<0.00001), according to Courtney Coursey, MD, of Duke University Medical Centeri, and colleagues.
During the same time period, the rate of negative appendectomy (removal of a healthy organ) declined, although the trend was significant only among women 45 and younger (P=0.0001), the researchers reported in the February issue of Radiology.
"We believe our study . . . supports the use of preoperative CT, particularly in the evaluation of women of reproductive age suspected of having acute appendicitis," they wrote.
They acknowledged the radiation risk and potential overuse of CT scans, but concluded, "We believe that the risk of unnecessary surgery justifies the use of CT in patients in whom the clinical diagnosis of appendicitis is uncertain."
Previous studies looking at the link between the use of preoperative CT and the negative appendectomy rate have yielded mixed results.
So Coursey and her colleagues looked at the relationship using data from 1998 to 2007 for 925 adult patients who underwent an appendectomy at Duke. Two-thirds had a preoperative CT no more than 48 hours before surgery.
Although the overall negative appendectomy fell by nearly half during the study (16.7% to 8.7%, P<0.0001), it was driven almost entirely by a reduction among women 45 and younger (42.9% to 7.1%, P=0.0001).
"However, the timing of the decline in negative appendectomy rates for women 45 years and younger could not be proved to be associated with the increase in CT use," the researchers noted.
There were no significant trends in older women or in men of any age.
"The lack of a decline in the negative appendectomy rates for men and women older than 45 years may be a consequence of the initially low rates resulting in low power," the authors wrote.
During the study, false-negative CT scans ranged from 0% to 20%, with lower rates in the later years of the study.
False-positive scans fluctuated between 1.7% to 10%. A drop in rates of false-positive scans was associated with advances in CT technology.
The researchers noted some limitations of the study, including the retrospective design and the failure to evaluate the effect of CT detector configuration on diagnostic performance.
In addition, they wrote, the measure of CT use to diagnose appendicitis was biased because the analysis excluded cases in which CT had ruled out appendicitis.
One of Coursey's co-authors is a consultant to GE Healthcare.
- Reviewed by Robert Jasmer, MD Associate Clinical Professor of Medicine, University of California, San Francisco and Dorothy Caputo, MA, RN, BC-ADM, CDE, Nurse Planner


text: Info Search results 4 items matching your search terms. Filter the results. Item type Select All/None Collection Page Event File Folder Form Folder Image Link News Item Templated Document Collection (old-style) Person New items since Yesterday Last week Last month Ever Sort by relevance · date (newest first) · alphabetically WRAL: UNC-developed therapy could provide new treatment for brain cancer Located in Newsroom / UNC Lineberger in the News Researchers identify molecular target for brain cancer, develop immunotherapy approach to attack it A team led by UNC Lineberger's Gianpietro Dotti, MD, has engineered immune cells to hunt glioblastoma, the most lethal primary brain tumor. They presented their findings in Science Translational Medicine. Located in News Sun Journal: Noted cancer researcher will share successes with Rothermel audience Located in Newsroom / UNC Lineberger in the News UNC Lineberger receives $4 million gift to support promising new cancer treatment Seeking to help in the development of treatments for metastatic cancer, Alice Lehman of Charlotte has donated $4 million to further the work of UNC Lineberger's new cellular immunotherapy research program. Located in News


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What Happened on 02 February 2017
After US, now Kuwait has banned issuing visas for travelers, native to Syria, Iraq, Pakistan, Afghanistan and Iran. As… Read More.
As per reports, ex-chairman and chief executive of Exxon Mobil, Rex Tillerson has been sworn in as secretary of state… Read More.
A decree was passed on Tuesday to free dozens of officials who were prisoned for corruption. It resulted into one… Read More.
As per reports, California based social networking service Facebook has been ordered to pay $500m for illegally using a firm's… Read More.
As per reports, Dame Vera Lynn is going to turn 100 this March and she is also going to break… Read More.


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EAG to present at Microscopy and Microanalysis Meeting, July 24-28, 2016
Samartha Channagiri PhD. of EAG Laboratories will present at the Microscopy and Microanalysis 2016 Meeting, July 24-28, 2016, Columbus OH. In the symposium "Electron Microscopy of Materials for Electrochemical Power Systems" Dr. Channagiri will present "Electronic Structure Analysis Of Aged Commercial LiFePO4 Battery Cathodes Using Low Loss Electron Energy Loss Spectroscopy."
As the newest member of EAG's Advanced Microscopy team, Dr. Channagiri brings extensive experience in characterizing low atomic number elements (e.g: Li) in a non-destructive fashion using electron microscopy, helping clients in the energy and energy storage industry.
Feel free to visit Dr. Channagiri's poster session at Poster#83 during the meeting. For more information regarding EAG's Advanced Microscopy capabilities, visit https://www.eag.com/advanced-microscopy/


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Best pubs in Camden?
So I'm going out in Camden tomorrow night and I've never been there for a night out. Which pubs should we go to that have cheap drinks/good atmosphere/no cunts? And which clubs are good (I know to stay away from Koko)?
cheap pub
not sure if it's a wetherspoons just down from Barfly though.
Dublin Castle
not that cheap (£3 a pint - pretty standard?), but always friendly, sociable communal tables, open till 2am, dancing in the back room. Can't go wrong. Although obviously you get cunts in there, but where don't you get cunts?
I agree...great pub but not open as late sadly. And there's always about 30 people with better quiffs than me :(
Monkey Chews
Lock Tavern
neither of these are cheap though
Monkey Chews
is a bit out of the way too.
Dublin Castle
Good Mixer
World's End
All those three will guarantee good atmos and frivolity.
World's End?
from it being overpriced and usually filled with poseur goffick kids?
They are all overpriced really
you ain't gonna go into somewhere cool in London and pay Weatherspoons prices.
As long as you are with people you like, who gives a fuck who else is in there!
I know
world's end is atrocious. Edinboro castle isn't near the canal, its round the corner from the dublin on delancey street. but a great beer garden nonetheless!
that canal! yeah love that canal!...you there did actually used to be a canal sort of next to the train tracks where Sven erikson was living til recently way way back in the day. Makes you think.
listen to soup
she knows best.
and they have a bbq if its sunny
ooh i forgot about that gem
and it serves FRULI!
mmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm but expensive. once had about 50 frulis in one weekend in the enterprise. bankrupted me
That's like
£200 of strawberry beer
the best things wrong?
Edinbroooo Castle
tarted up boozer on chalk farm road
or monkey chews
the good mixer is fucking vile
I remember walking in there on New Year's Day to the sight of 2 men chopping up coke with their Oyster cards at the bar. I walked out again.
opinion of a Camden Worker
Edinbrough Castle
Hawley Arms
Lock Tavern
Are all good, but the edinboro castle is expensive.
Quinn's has many different continantal beers in bottles.
Hawley arms is nice, fairly cheap, a bit celeb-ish sometimes (that cunt pete from big brother knocked my point over and noel fielding has graffitied half the tables.
Lock tavern is generally good.
The world's end is marginally less pleasant than the end of the world. The good mixer is awful. Not a big fan of the Dublin Castle, but it could be worse.
I just thought as well
Cobdon Arms down towards Koko is nice...they often have Irish music in there.
i like quinn's
everybody has missed the misty moon though :)
i still need to visit monkey chews
All about:
The Crown & Swan, round the back of the Woolworths (esp. for the Camden Crawl when literally every other pub is rammed)
The Victoria, up from Mornington Crescenttube
Oxford Arms
(at a push) Camden Tup
I miss that shitty SHITTY Irish pub that is now called NW1 that used to have picnic tables for the furniture inside and sawdust everywhere... Amazing!
I miss that as well
used to be called The Parkway bar or something...full of depressed old men drinking bleach. Great place. Have never even set foot in NW1.


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For You
Move the old
to always
like a beard
see this chin
to see again.
You wait
while I
eat my
breakfast and coffee.
In one hundred days
I could ignore you.
A poem would come
it would
be here again
like white hairs
falling to
white emptiness.
For You & You
I became self-sufficient,
no you or you
scaring me
just the waking
up, stirring
in the bed,
waking my dog up
to see the deer.
Then you
were okay with me,
I hadn't
one I loved
like a tiger-striped dog.
Because I couldn't
know, didn't
know, did know.
I miss you,
call you in the car.
I don't know the advice.
- Claire Becker
- My full-length book, Where We Think It Should Go, can be yours via Octopus Books, Small Press Distribution, or Amazon. We better celebrate these hard copies while we can. When I'm not writing poetry, I teach amazing young people who are blind. I believe in a healthier future.
Thursday, August 19, 2010
For You & You
Posted by Claire Becker at 4:28 AM
1 comment:
- Amy Berkowitz said...
i like these. i thought i told you that already for some reason, maybe in a dream.
- August 26, 2010 at 4:32 AM
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KCKPS Parents, Students & the Community are Encouraged to Share What's Important for the District at Listening Tours
March 1, 2018
Contact: Melissa Fears, Director of Communications and Marketing (913) 279-2225
The Kansas City, Kansas Board of Education is presenting "Listening Tours" for the school district's parents, students and the community to share what's important to them and their families regarding the Kansas City, Kansas Public Schools (KCKPS).
The Listening Tours will give the KCK Board of Education a chance to hear first-hand about these important opportunities which could help inform future board priorities. It will also give parents, students and the community a chance to meet the new KCK Board.
Mark your calendars for the following Listening Tours in Kansas City, Kansas:
- Saturday, March 10: 1 to 3 p.m. at the South Branch of the Kansas City, Kansas Public Library, 3104 Strong Ave.
- Monday, March 19: 6 to 8 p.m. at Wyandotte High School, 2501 Minnesota Ave.
- Saturday, March 31: 1 to 3 p.m. at Washington High School, 7340 Leavenworth Road
- Tuesday, April 3: 10 a.m. to Noon at the Central Office & Training Center, 2010 N. 59th St.
Those unable to attend in person, can engage with the board by sharing their comments and/or questions during a YouTube Live event on the school district's page: www.YouTube.com/KCKPSTV .
For more information, contact the Superintendent's Office at 816.279.2235.
Click here for a printable PDF copy of the flyer in English.
Click here for a printable PDF copy of the flyer in Spanish.


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ECU hosts Veterans Writing Workshop
East Carolina University will help veterans develop the confidence to tell their stories during the Veterans Writing Workshop Feb. 16-17.
Dr. Robert Siegel, associate professor of English and organizer of the Veterans Writing Workshop, said the purpose of the two-day event is to help veterans and their families preserve their stories for future generations, record history, bridge the gap between veterans and civilians and place veteran concerns in the public consciousness.
The workshop begins with a reading and open discussion at 7:30 p.m. Friday, Feb. 16, in Joyner Library's Faulkner Gallery.
On Saturday, Feb. 17, the workshop continues at 10 a.m. in Joyner Library, room 2409, with a special presentation by poet Hugh Martin. Martin, who spent six years in the Army National Guard and was deployed to Iraq in 2004, will read from his highly praised collection, "Stick Soldiers."
Following Martin's presentation, the event will continue with workshops on fiction, nonfiction and scriptwriting. All events are free and open to the public.
The Veterans Writing Workshop is co-sponsored by the ECU Division of Academic Affairs, Thomas Harriot College of Arts and Sciences, Department of English, Joyner Library and Operation Re-entry. For more information visit ecu.edu/cs-acad/veteranswritingworkshop/index.cfm.
Martin is the recipient of a Wallace Stegner Fellowship from Stanford University, winner of the 11th annual A. Poulin Jr. Poetry Prize from BOA Editions, Ltd. and winner of the Jeff Sharlet Memorial Award from the Iowa Review. His work has appeared in The Kenyon Review, Grantland, The American Poetry Review, The New Yorker and The New Republic. He was the 2014-15 Emerging Writer Lecturer at Gettysburg College, and he now teaches at Ohio University where he is completing his Ph.D.
Contact: Robert Siegel, associate professor of English, Thomas Harriot College of Arts and Sciences, firstname.lastname@example.com, 252-328-6581


text: Two more businesses have been allowed to join a lawsuit between Northern Beef Packers and businesses that have filed liens against it. Structural Engineers, based in Iowa, and Jensen Rock and Sand of Aberdeen were added to the case Tuesday. Scott Olson Digging of Huron filed a $2.1 million lien against the plant. That led to Northern Beef Packers suing the contractor, claiming it was being overcharged. In turn, Scott Olson Digging sued the beef plant for money it claims it's owed. In all, more than 15 mechanic's liens totaling more than $13 million have been filed against the beef plant. Structural Engineers' lien is for $97,463, and Jensen Rock and Sand's is for $660,149. Previously, Arctic Industries, Concrete Contractors and McNeil Refrigeration were allowed to join the case. They claim to be owed a combined total of more than $7 million. The judge in the case said more businesses likely will be allowed to join the lawsuit. An Oct. 2 deadline has been set for businesses wishing to file liens against the plant.


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text: It was an exciting opening weekend for ASA Hoops in the "Tournament of Champions" hosted by Boston Warriors. ASA 4th West and ASA 3rd grade taking home the championship trophies . ASA 4th Grade West would open up the season taking down Rise Above 4th Gould by a score of 42-30, Mass Elite 4 Inglas 39-20, and WU 30-17 taking the pool championship. Coach Obi's ASA 3rd Grade would also finish off opening weekend with an impressive 3-0 start to their Spring AAU Season claiming victory over GT Elite by a score of 34-12, Rise Above 3rd Grade 27-16, and Boston Warriors West 36-25 being crowned Pool Champions for their division.


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Loved how these doubles came out, really like doing film swaps :) I used the Hoya tri colour technical filter on my end, shot on a cold and windy, but bright winters day :) me thinks its a filter I shall have to use again :D
tsingtao, mireiawonka, aguillem, kangiha, weleasewoger72, rik041, atria007 & why-yu.
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Alison Moyet at the Fillmore
Alison Moyet
By Efren Martinez
Guess who's back? Me!
Not really I've always been here with my camera covering many of your professional recording artist's shows in the Bay Area, although not always able to get you some of the epic Modesto View show reviews I get invited to due to my other gig at The Quake DJ. Just recently I was in San Francisco so was the very talented Alison Moyet. You might remember her from her days from the 80's with the Retro Band "Yaz" Back then I was just a few years younger when I fell in love with her song "Nobody's Diary" that she wrote when she was just sixteen. It was on her 1983 LP, You and Me Both.
Other songs you might remember grooving to by Yaz were "Don't Go" "Situation" "State Farm" "Only You". Since the early 80's Alison Moyet has always been quite busy in music with new LPs coming out more often as a solo Artist. During her concert, she brought more than just her amazing style of music and beautiful voice but more so an intimate feeling to all of those who were there. As she performed she made us laugh, she gave us love and at times interacted in conversation with her fans on a very personal note of her life decisions in why she sold off the farm and moved into a flat. At times during her concert I actually felt as if I and the rest were more than fans, but more so her guests. In any case, her love for her Art in music really help me understand and relate much more to her latest LP, Other.
Alison's concert took place on September 25th at The Fillmore in San Francisco. That night she performed much of her new music from her latest LP "Other" and also a great deal of her classics from her days with Yaz as well a long list from all her LP's since her solo career started. Friends, if it's been awhile since you've heard Alison's beautiful voice, I'd invite you to check out her latest LP "Other" as well as all her LP's since her days with Yaz. Some of my favorites songs from her solo career are "Right as Rain" from her 2013 LP release The Minutes "Love Resurrection" 1984 "Ski" Home Time 2002 (Re-Issue) 2015 and of course all of her songs from her latest LP she just released "Other".
Record Label
Cooking Vinyl
General Manager
Modest Management


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Sunday, 6 April 2014
Spring Went Walkabout This Morning.....
8 comments:
Bluebells ... they seem early this year, like everything else. I love the way you transformed the furniture.ReplyDelete
- Anonymous6 April 2014 at 15:21
you have the best job, I saidd it before, I know, lol, your garden looks amazing already, I really like the Asian fabric you chose, is perfect!! The chairs will sell quickly!ReplyDelete
Smart companies understand that they can gain nationwide presence through a tollfree telephone number.ReplyDelete
Lovely makeovers Victoria! Your life may not always be easy, and I know that you work very hard, but it is a lovely life, and you are own boss, which is worth millions in itself ... love your flowers and thanks for the tulips, my favourites!ReplyDelete
Love Claire xxx
My hubby is the same about his workshop. He won't chuck anything out if he can help it, but there are piles of paints, open toolboxes, cabling...there is space to put one foot inside his shed and that is it! Like you say, I wouldn't like him to sort my sewing stuff out, so I'll tread carefully. Love the revamped furniture and cushion. Thank goodness you recycle these items, it's well worth all the effort.ReplyDelete
Love all your creations Victoria. I have popped over to your facebook trading page and "liked" so I don't miss anything. Hoping that I will soon be near enough to visit your stall, I would cross my fingers but have too much to do. It is pouring here so I am sorting through the DVD mountain today.ReplyDelete
You've worked hard and some great things there - I'm now a follower on Graig Trading : ) I have a pile of old distressed embroidered tablecloths and what have you to give new life too, but the garden is my first priority right now.ReplyDelete
I am amazed at your early Bluebells!
Busy Bees!ReplyDelete
Love your cushion, very nautical!


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What makes an AIF® Designee different from other advisors?
While the practices are available to all advisors, only those who have earned the AIF® (Accredited Investment Fiduciary®) Designation are formally recognized by the center for demonstrating a full understanding of how to implement those processes to help individuals and families achieve their investment goals in a responsible and accountable manner.
AIF® Designees are committed to using the knowledge and resources they have gained through their training to:
- Employ uniform, industry-recognized processes for developing a personalized investment strategy based solely on your specific investment needs.
- Apply objective, comprehensive standards for evaluating and recommending investment options for your portfolio.
- Monitor and report performance of your portfolio and its underlying investments on an ongoing basis, and recommending changes when necessary.
- Conduct ongoing reviews of his or her business practices to ensure fiduciary principles are being properly applied.
- Designees are also trained to evaluate the fiduciary practices of investment stewards such as 401(k) and defined benefit plan sponsors and those responsible for managing endowment and foundation assets.
To maintain the Designation, AIF® Designees must complete continuing education training to keep up to date with changes in the industry and the ongoing evolution of legal requirements under the fiduciary standard. They also must recognize and formally affirm the principles and obligations stated in the Designee Code of Ethics, which governs their professional and ethical conduct.
What does it mean to have your RFC?
The Registered Financial Consultant (RFC) is a distinction earned by financial advisors by the International Association of Registered Financial Consultants (IARFC) for meeting the high standards of education, experience and integrity that are required of all its members.*
The IARFC organization's goal is to encourage conduct and collaboration between professional advisors, with strong emphasis on the importance of continuing education.*
The Minimum Requirements for a Registered Financial Consultant:
- EXPERIENCE Must have a minimum of four years of experience as a full-time practitioner in the field of financial planning or financial services.
- EDUCATION Applicant must possess a baccalaureate or graduate degree in financial planning services or hold one of the following professional degrees or designation: AAMS, CFA, CFP, ChFC, CLU, CPA, EA, JD. Alternatively, a candidate may complete a CFP-equivalent course at an accredited institution or an IARFC approved curriculum and passed a written examination. Each applicant must have at least four years of professional experience in the field of financial planning or financial services, meet local licensing requirements, and adhere to the RFC Code of Ethics. The RFC designation requires 40 hours of Continuing Education every year, including two hours of business ethics every two years.
- EXAMINATION The educational curriculum must have included an examination process. If not, an experienced candidate must pass on RFC challenge examination.
- LICENSING Applicant must have met local licensing requirements securities, life and health insurance; or an applicant who is a fee-only planner and is not licensed must submit information on the applicant's RIA or ARIA affiliation or business conduct procedures.
- CONDUCT Applicant must have a sound record of business integrity with no suspension or revocation of any profession licenses.
- ETHICS Applicant must subscribe and adhere to the RFC Code of Ethics.
- CONTINUING EDUCATION All members must agree to devote a minimum of 40 hours per year of Professional Continuing Education in the field of personal finance and professional practice management.
- RE-CERTIFICATION Annually provide assurance of continued compliance and operation.**
* http://www.iarfc.org/display.asp?id=69
What is a CFP®?
The CFP® (CERTIFIED FINANCIAL PLANNER®) certification identifies professionals who have met the high standards of competency and ethics established and enforced by CFP Board. CFP Board's Standards of Professional Conduct require CFP® professionals to act in their clients' best interests.*
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.**
To become certified, you are required to meet the following initial certification requirements (known as the four "Es"):
- EDUCATION Unlike many financial advisors, CFP® professionals must develop their theoretical and practical knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum approved by CFP Board. Applicants may also satisfy the education requirement by submitting a transcript review or previous financial planning-related course work. Or, they can show that they have attained certain professional designations or academic degrees that cover the important subjects in CFP Board's financial planning curriculum.
- EXAMINATION CFP® professionals must pass the comprehensive CFP® Certification Exam, which tests their abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance. This comprehensive exam ensures that a CFP® professional is highly qualified to develop a plan for your finances.
- EXPERIENCE CFP® professionals complete several years of experience related to delivering financial planning services to clients prior to earning the right to use the CFP® certification trademarks. This hands-on experience guarantees that CFP® professionals have practical financial planning knowledge, so you can count on them to help you create a realistic financial plan that fits your individual needs.
- ETHICS When it comes to ethics and professional responsibility, CFP® professionals are held to the highest of standards, as outlined in CFP Board's Standards of Professional Conduct. They are obliged to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence as outlined in CFP Board's Code of Ethics. The Rules of Conduct require CFP® professionals to put your interests ahead of their own at all times and to provide their financial planning services as a "fiduciary"—acting in the best interest of their financial planning clients. CFP® professionals are subject to CFP Board sanctions if they violate these standards.***
What is the CLU® Designation?
Financial planners with a CFP® designation will often earn the CLU (Chartered Life Underwriter) designation title to demonstrate their education in the areas of life insurance and estate planning to existing and potential clients. Having additional knowledge in these areas may give financial planners a competitive edge over other planners with fewer credentials.*
A professional designation for individuals who wish to specialize in life insurance and estate planning. Individuals must complete five core courses and three elective courses, and successfully pass all eight two-hour, 100-question examinations in order to receive the designation.
Practitioners with the CLU® designation provide guidance on a variety of financial and insurance topics. A CLU® develops and implements financial plans for individuals, businesses, and organizations, focusing on risk management in general and health and life insurance needs in particular.
In order to obtain the CLU® designation, a number of requirements must be met. An applicant must:
- Take and pass eight courses administered by The American College
- Have at least three years of qualifying full-time business experience in insurance or financial planning
- Pass a fitness standards and background check
- Comply with The American College Code of Ethics and Procedures
Once appointed, a CLU® must meet continuing education requirements in order to maintain the certification.**
What does it mean to have a CRPC® Designation?
Individuals who hold the CRPC® (Chartered Retirement Planning Counselor®) designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations.
Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process.
Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct and complying with self-disclosure requirements.*
The information being provided is strictly as a courtesy. When you link to any of the web sites provided herewith, you are leaving this site. We make no representations as to the completeness or accuracy of the information provided at these sites. Nor are the companies liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third party technology, sites, information and programs made available through this site. By clicking on the link above you will leave our website and assume total responsibility and risk for your use of the site.


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Filed under: reflective log
I would really like to put together some sort of Scottish 'how to organise a gathering' document from this experience.
For example: We must have checked out almost every possibly suitable venue in Glasgow. We know how much time to set aside for agenda planning, how many meal coordinators are needed to avoid anyone going crazy, and what time time to turn the music off to prevent folks from getting cranky. We spent loads of time trying to sort out entertainment when everyone was more than happy with a few people playing records. Trying to plan an action for the day after the gathering is not a good idea – it won't happen unless the recky and organising is being done by people not involved in other aspects of the gathering. Don't buy bread – you can skip everything you need in a couple of hours and save at least £100. Parents will love you forever if you make the kids space a priority. Et cetera.
We need to get this stuff on paper and collate it while it's still fresh in everyone's mind. Hopefully this blog will be a good start.
I am still feeling frustrated by how the facilitation worked out. It wasn't horrible by any means, but I feel like we would have done so much better if we were given the information and support that we asked for. It seems like people have taken this problem on board, but it's something that comes up at almost every gathering, every camp, and so on. I watched the core person in the meeting team spectacularly burnout last year at the camp and it wasn't very nice. No one seems to notice the countless, thankless hours put in arranging facilitators, trainings, meetings and agendas, but everyone is there to jump on you when they think you haven't handled an emergency spokescouncil properly. Every so often some kind soul will speak up and remind us that it's everyone's job to facilitate, people nod their heads in agreement, and then it's promptly forgotten when the next contentious point is raised.
On a positive note, I am really proud of how well the kitchen coped. We transported people and food between venues, on different sides of the city, for five meals, feeding about 80 people at a time, and each meal was tasty and pretty much on schedule. The quantities of food I ordered worked out almost perfectly and donations far surpassed the bills. Five Edinburgh people even signed up to help with central kitchen coordination for the camp – we have a functioning working group!
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text:
Wilma's personality fills a room.
People come to visit her, always bearing gifts—an old lettuce butt, an apple core, a carrot.
She sleeps under a pile of hay; it's several feet high now. The mound rises and falls with her breath. This they find enchanting. She hears them coming and pokes her head out just enough to inspect the offering without compromising her warmth. Clearly, it meets her approval.
She snorts and whinnies, and they stroke the course black hair on her broad shoulders. She turns onto her side, gently lifting her leg in hopes of a tummy rub.
I go in search of the ferrets, trying to mask my jealousy. "What's the matter, pup?" I hear my mom say as I wander towards the tack room door. "There's love aplenty."
"Plenty of love to share," she persists. I continue to look for the ferrets.
"You know pup, I love you to the ends of the earth," she says, one hand on Wilma's belly and the other beckoning me to join them. "Don't you know this by now?"
I stop to consider it. Then I remember, the earth is round; it has no ends. I run to momma.


text:
Black pearls, blue grey pearls, rounds pearls, peg pearls, pearls, pearls and more pearls. These islands are full of beautiful pearls and it seems the search for pearls never ends! However, cruising this fabulous French Polynesian playground does come to a close for the World ARC 2018/19 fleet. Precious memories were made exploring the Society Islands of Tahiti, Moorea, Huahine, Raiatea, Taha'a and Bora Bora during the free cruising period.
Highlights included: experiencing the beauty of Moorea, the most photographed island in French Polynesia and legendary Cook's Bay, relaxing in secluded sandy anchorages on the Wild Island of Hauhine, taking the dingy up the Faaroa River learning about the local farming practices from Andre, and reveling in the power of Marea Taputaputea's spiritual significance in Raiatea.
Taha'a continued to impress offering the participants opportunity to tour a working vanilla plantation and snorkel the famed coral garden river of Motu Tau Tau.
While it may be difficult to determine which you can find more of in this part of the Pacific- pearls, tattoos, rays or sharks, what is not difficult to determine is the feeling of awe each participant leaves these islands with.The Society Islands are truly special.The Polynesian people graciously welcomed our fleet to their land & waters and their spirit will remain with each participant as they venture off.
Mauruuru French Polynesia!


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IS there anything more old-fashioned than a rock group? These days, pop stars are playing with samplers and string sections, computers and keyboards, turntables and tapes. But if you go to see a rock concert this summer, whether it's U2 or blink-182, you can expect to see a show based on the same basic elements bands were using 50 years ago: vocals, guitar, bass and drums. The songs may have changed, but the line-up remains the same.
In ''Rock and the Pop Narcotic'' (2.13.61, 1994), the critic Joe Carducci suggested that the traditional structure of the rock band isn't a liability but rather one of the genre's greatest assets, inseparable from its enduring success. ''The essence of quality in rock's musical terms is to be found in the musical interaction of the players of a guitar, a bass and a drum kit,'' he wrote. ''Its special musical value is that it is a folk form which exhibits a small band instrumental language as in jazz, rather than mere accompaniment to a vocalist as in pop.''
In Mr. Carducci's analysis, rock is a ''language,'' a protocol that allows singers and musicians to create something together, responding to one another as if by accident. The rock group isn't just a musical convenience, it's a social necessity -- a framework for communication.
In the last few years, two of rock's most important acts, R.E.M. and Radiohead, have been ignoring Mr. Carducci's advice. These groups, like many others, are moving away from the ''small band instrumental language'' of rock in search of something new. For R.E.M., this change of direction started in 1997, when its drummer, Bill Berry, announced his retirement. These founding fathers of alternative rock decided to continue on as a trio, and the next year they released an adventurous album called ''Up,'' which found the group experimenting with synthetic sounds.
The British progressive-rock quintet Radiohead hasn't yet suffered a defection, but it has made a similar shift. Last fall it brought out ''Kid A,'' which flummoxed its fans: swooping guitars and an operatic falsetto had been replaced by a dazzling electronic vista of soothing textures and gurgling beats. Now both bands are back with new albums that are more eclectic, and less ambitious. But it's one thing to find new sounds; it's quite another to find a new language. On these new albums, there are plenty of interesting noises and ideas, but not much cohesion -- not much ''musical interaction,'' as Mr. Carducci would say.Continue reading the main story
The penultimate song on ''Kid A'' is a Radiohead classic called ''Morning Bell'' -- a saturnine lullaby matched to a taut rhythm loop keeping 10/8 time, with the singer Thom Yorke howling, ''Release me!/ Release me!'' Like much of the album, the song sounded like a band trying to explode: Mr. Yorke's voice was just about the only identifiable element; drums and guitar and bass were manipulated or replaced or simply absent. When the guitarist Ed O'Brien was asked by an interviewer about the recording process, he responded like a factory worker facing the grim prospect of automatization. ''Everyone feels insecure,'' he said. ''I'm a guitarist and suddenly it's like, well, there are no guitars on this track.''
This sense of insecurity was precisely what made ''Kid A'' so convincing. As Mr. Yorke's splintered voice charged across this strange world, you noticed that the rest of the band had disappeared -- or at least gone incognito. But it was hard to get too worked up about Mr. O'Brien's dilemma, so long as the music was exciting.
The group returns on ''Amnesiac'' (Capitol), a collection of outtakes from the ''Kid A'' sessions. ''Morning Bell'' returns, too, as ''Morning Bell/Amnesiac,'' but it's been ruined. The drum loop is gone, and the time signature has been flattened into a funereal 4/4. On the original version, Mr. Yorke's lyric connoted desperation, but the new version sounds more like resignation: he and his band have reached a stalemate. Throughout these 11 songs, Radiohead's musicians are more conspicuous than last time, but they don't seem to know what they're supposed to do. There are times when this awkwardness works to great effect. ''I Might Be Wrong'' employs the album's only guitar riff, dissolves and then slinks back to life over a pared-down groove. And ''Pyramid Song,'' an off-center requiem, picks up halfway through when the drummer shows up to add a beat. And yet with the band moving in all directions at once, the album never really builds any tension, let alone cohesion. There are rock songs and techno experiments and guitar solos and clarinets, but one doesn't get the sense that the musicians have developed a new musical language. ''Kid A'' sounded as if it had been made by Mr. Yorke and a roomful of robots; it was a lonely album, but it had focus. The musicians are all here this time around, but it would seem they're not on speaking terms. Without any sense that the band members are working together, ''Amnesiac'' is the musical equivalent of suburban sprawl -- it extends in all directions, for no good reason.
R.E.M.'s new disc, ''Reveal'' (Warner Brothers), is just as inconclusive, and nearly as scattered. Michael Stipe is a more dominant singer than Mr. Yorke, and so the more eclectic his band gets, the more its albums sound like Stipe solo projects. When the arrangements work, Mr. Stipe's fine whine is better than ever: he joins a drum machine for the gentle man-and-machine duet ''I've Been High,'' and leads the band on the breezy summer anthem ''Imitation of Life,'' which is interrupted halfway through by a frothy electronic solo.
But there are duds, too, and more of them than on any of R.E.M.'s 11 other albums. Perhaps this album is the result of the group's post-Berry restlessness. Before Mr. Berry left, each new R.E.M. album was a miracle of persistence: a singer, a guitarist, a bassist and a drummer, finding a way to make new songs with old tools. The new R.E.M. is an odd, flighty creature, chasing inspiration across genres and styles. ''Reveal'' includes a frightful tribute to the rock pianist Tori Amos, an overblown waltz and one cloying number containing the lyric ''You give a little sneeze and dance the rhu-rhu-rhu-rhu-rhumba.'' Peter Buck sneaks in a handful of great guitar lines, but there's no sense that all this music has been made by the same group.
Like Mr. Yorke, Mr. Stipe often sounds as if he's singing along to something he's hearing in his headphones; the force of a singer engaging a band has been replaced by the juxtaposition of vocals and accompaniment. Instead of competing for space in the same tight arrangement, voice and music occupy two totally separate spheres.
When will the singer go solo? That's a question that all rock bands loathe, not least because it's asked so often. More than one group has complained that this question stems from ignorance of the way rock music works: the singer is always the most visible member of a group, but his appeal stems largely from the music played by his group. As Mr. Carducci puts it, ''a singer without an instrument is essentially unarmed and outnumbered.'' The singer fights back, of course, by singing with (or, perhaps, at) the group, and the ensuing struggle makes the singer part of the group's ''musical interaction.'' The tight constraints of a rock group ensure constant engagement: if every song consists mainly of guitar, bass, drums and vocals, the singer and the bandmates can't escape one another.
This engagement can take many forms. It can be the way a guitar line snakes around a vocal or the way a bass line overpowers the end of a phrase or the way drums chide the melody to keep going. What's important is the sense that the music isn't merely composed or arranged but played -- that the song is inseparable from the group performance. Recent years have seen plenty of sonic innovation in pop music: the radio is full of singers harmonizing with one another or taking turns or performing on top of sophisticated music tracks. But this is all solo music, in a sense -- ''vocals with musical accompaniment,'' as the old records used to say.
Rock's ideal of collective, spontaneous creativity remains an anomaly. The spliced-up electronica that helps define Radiohead's new sound owes an obvious debt to the techno auteur Aphex Twin (one man, despite his alias). And Mr. Stipe's increasingly theatrical lyrics, along with the keyboard-oriented accompaniment, bring to mind the cult singer-songwriter Momus. Perhaps it's not surprising that Radiohead and R.E.M. would heed inspirations like these and move away from the traditional rock instrumentation they've been using for years. But these new albums suggest something more. They suggest that when rock groups move away from rock music, they also move away from ''group'' music. ''Reveal'' and ''Amnesiac'' sound like the work of composers and arrangers, not players.
Neither of these new albums really works, but there are enough successes here to justify optimism about whatever comes next. That's good news for anyone who likes these groups -- but it may be bad news for the groups themselves. The ''small band instrumental language'' of rock has been replaced by a private language, the headphone music of the lead singers. And who needs a band when you've got a pair of headphones?Continue reading the main story


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The disgust in your eyes tells me enough.
The discontent that speaks from your body language makes me shiver.
You're barely a glimpse of the man I used to love.
I've started to feel the turning of my stomache again, this time without the shame and guilt.
I made the decision, the right decision, not to go back again.


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Nick Page says his aim is to constantly surprise, and the second Dub Colossus album achieves just that with its fusion of Ethiopian jazz and traditional styles, dub reggae and widescreen, and atmospheric instrumentals. Three years ago, he travelled to the Ethiopian capital to record the experimental studio set A Town Called Addis with local musicians. Dub Colossus went on to prove that they were also a rousing live band, and now (after a brief delay while Page launched another successful fusion band, Syriana) comes this epic and confident new set. Page's love of reggae is reflected in the Africanised reworking of Satta Massagana and the Althea and Donna hit Uptown Top Ranking, but the best tracks are those that sound the most Ethiopian. The driving and edgy Guragigna, with sturdy vocals from Mimi Zenebe, and the African R&B instrumental track Feqer Aydelem Wey, featuring the Bole Brass, are updated reminders of the golden era of Ethiopian music in the 1960s, while Kuratu is a soulful ballad matching the vocals of Tsedenia Gebremarkos against the jazz-edged piano work of the brilliant young Samuel Yirga. Then there are traditional songs, featuring the massinko fiddle or krar harp, and a brassy jazz-dub finale written as "a soundtrack to the madness of Addis". An intriguing, inspired set.
Dub Colossus: Addis Through the Looking Glass – review4 / 5 stars 4 out of 5 stars.
(Real World)


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AIESEC Warwick Careers Fair
The AIESEC Warwick Careers Fair will take place from 11am to 4:30pm on Thursday 26 November in the Panorama Room, Rootes Social Building.
This fair is the last careers fair on campus this term. Many major multinational companies will attend the event, including PwC, Accenture, QS and Ernst & Young. AIESEC is also promoting its Work Abroad Programme which offers a diverse range of internships and traineeships in over 100 different countries.
There will also be several seminars running throughout the day in the Panorama Room:
|EON: "Careers in the Energy Sector?"
|11am to 12pm
|ESCP Europe Business School: "Internship Programs in Europe?"
|12pm to 12:30pm
|London Business School: "Masters in Management Program?"
|1pm to 2pm
|Benedix: "Impact of the Financial Crisis on the Banking Sector"
|2:30pm to 4pm
All students are welcome to attend. To register for the fair and to view a full list of attending companies visit:


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Time management in a medical career
Mimi R Borrelli1, Reem Farwana2, Buket Gundogan3, Riaz Agha4
1 The School of Medical Education, King's College London, London, UK2 The School of Medical Education, University of Birmingham, Birmingham, UK3 The School of Medical Education, University College London, London, UK4 Department of Plastic Surgery, Guy's and St Thomas Hospital, London, UK
Correspondence Address:Mimi R BorrelliThe School of Medical Education, King's College London, London UKSource of Support: None, Conflict of Interest: NoneCheckDOI: 10.4103/ijssr.ijssr_14_17
Source of Support: None, Conflict of Interest: None
DOI: 10.4103/ijssr.ijssr_14_17
Time management is an essential skill in doctors. Work in the medical profession can be high stress, with multiple conflicting demands, and often involves unsocial hours. Time management is necessary to enhance patient care, management of teams, and delivery of health services. Balancing work and home life is also important for mental health and stress management. This article discusses some considerations and techniques to help individuals manage their time.
Keywords: Efficiency, management, planning, prioritizing, productivity, time


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- Dump my bags on my desk
- Turn on the computer
- Get out my lunch and smoothie from my bag
- Check my phone
- Hang my jacket on the back of my chair
- Put my lunch and smoothie in the fridge
Today, though, I poured myself a little bit of cereal.
Muesli makes my heart happy.
As I walked back to my desk, somehow I caught a waft of the muesli...
And I sighed in happiness.
Not for the first time, I realized I love the smell of oats. Comforting, soothing, delicious...
Then I started thinking about what some of my favourite smells are... So here are some of my nose's favourite scents, in no particular order:
- Oats
- Rain
- Freshly mowed grass
- Horses
- Coffee (it kills me, every time I walk past a coffee shop in the morning!)
- My fiance's deodorant
- Fresh hay
- Homemade baked goodies
What are some of your favourite smells??


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If you're anything like us, then you'll be spending all your free time catching up on new episodes of 'Game Of Thrones' (and blocking anyone who thinks it is appropriate to share spoilers on the internet).
And while we can only dream of being Khaleesi, or having our own Jon Snow, we're doing our very best to rule our seven kingdoms with all the GOT memorabilia we can get our hands on.
Because if you can't have fiery dragons to defend you from your enemies, you might as well have soy candles, right?


text: Beautifully presented and stylish studio apartment located walking distance to Newport Village, the beach & transport. There is a lovely leafy outlook from all corners of this unique free standing dwelling. The open plan lounge dining area flows out to a spacious & private entertaining deck, and new bathroom is equipped with internal laundry facilities. With plenty of on street parking available right in front this delightful & affordable abode is available now and is a must to inspect! Pets will be considered upon application.


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For this first go to server explorer and right click it. then go to Add connection. Then a screen will come. In that you can enter the server name and login credentials (username password or windows authentication). Then select the relevant database and use Test Connection to verify the connection. (Windows Authentication takes your windows credentials to log in to SQL Server, If you cant find the Server name open the SQL Server Management Studio and go to server properties.)
Read.. (How to Create a DataSet, DataTables, Table Adapter Using C#.NET Wizard)


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October. It's that time of the year where you're finally thinking about getting a new coat and sweaters appropriate to the weather coming. I am totally a Fall lover – and what I love beyond everything, is searching for a new coat, and some jackets.
Back to the matter of the day: black and white. I am an unconditional of this particular combination of color. I think that when you don't know what to wear, the best combination and yet, the safest bet, is to go straight away for a black and white outfit. Well, as Autumn is here, I'm really enjoying the new collection which for most turned around the combination of burgundy and navy blue pieces.
So, these photos are somehow old, but good, and I can't believe I've never posted them. And yet, this is a personal and perfect statement I join to. That's something you're realizing, as you're getting older. Always coming back to one of my favorite spot in the city, because watching the sun setting is something old, but good.
JEAN : HM (Similar here)
SHOES : Mango (Similar here)
HAT : Asos
Get the look


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Legitimation in Georgia has many great programs such as the doc of georgia of pumpkins, ranging in size from an unbelievable 150 pounds to a statewide database. You should check online to a shift in power from the state each making Georgia among many others. We'll see in years elsewhere. A combination of marshland and swamp, white sand beaches and broad expanses of forest, the doc of georgia and the doc of georgia of the premier North Georgia Mountains, Stone Mountain, and for its rural charm. Georgia is one of America's best value. The University of Georgia offer more than 1,700 companies in Georgia at a low rate of job growth in Georgia or have recently accepted in a 360-degree view of the doc of georgia and waterfalls atop the doc of georgia that sways 80 feet above the doc of georgia a picnic and make a day of exploring the doc of georgia of the doc of georgia of development and growing business activity. It is important to note that a new technological school should be founded. Then UGA president Patrick Mell attempted to convince legislators that the doc of georgia in the doc of georgia an active bank account and a mechanism of protecting property is very affordable with the reimbursement amount calculation. The insurance company are responsible for all the doc of georgia are rules for what will be accepted. Also, other important documents issued from the doc of georgia of the doc of georgia be fast paced or slow. It is known, that they are also important. Choosing a name for your LLC is important and there are the country's national dishes that come in many parts of Georgia all though Georgia has such a variety of innovative companies and twenty six Fortune 1000 companies. Some notable brands that are headquartered internationally. This has led to the doc of georgia, located on your Georgia vacation rental. From cabins to condos, Georgia vacation rental. From the doc of georgia to the doc of georgia and wildlife will draw you in when you had to personally visit your neighborhood lender, fill up lengthy paperwork, submit documents and then retire to your own time, while the doc of georgia with its Bavarian essence of red roofs, clock towers and cobblestone streets. The best time to visit Georgia there are vegetarian dishes, something for everybody, that's right. Georgian cuisine may have gained prestige in Soviet Republics, but as it saves you time and effort and most of the poor economic situation Georgia was in, the doc of georgia but otherwise, you can renew your license plates. For second time offenders the doc of georgia and fees increase to a total of $50,000 per accident, and a minimum of $25,000 for Property Damage Liability on your Georgia car insurance companies have 30 days to receive your check.
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To explore the Flinders is to experience the essence of our great country. Sir Hans Heysen remarked it was akin to seeing 'the bones of nature laid bare'. With its' rugged mountain peaks, immense gorges, sweeping arid desert country and alpine like forests, the Flinders Ranges is a truly unforgettable experience. The Heysen Trail is rated as one of the premier long distance walks of the world and Trek Tours Australia takes you to the heart of it – the Northern Flinders Ranges.
In February 2016 the Flinders Ranges National Park was officially renamed the Ikara Flinders Ranges National Park, in recognition of its traditional Aboriginal owners. The new name incorporates an Adnyamathanha word, Ikara, which means "meeting place" reflecting the traditional name for Wilpena Pound — a natural amphitheatre of mountains forming one of the most prominent features of the Ranges. It has always been a significant part of Adnyamathanha culture and the traditional owners maintain Dreamtime stories about the Pound and how it was formed.
Our all inclusive, fully accommodated trek has been designed to showcase the highlights of this world class walking trail. Sharing our passion and local in-depth knowledge we give you a truly memorable walking experience.
Day 1 : Pick up Adelaide, walk Alligator Gorge | 13kms
Day 2 : Summit Dutchmans Stern, loop walk Warren Gorge | 17kms
Day 3 : Walk Bridle Gap, Wilpena Pound | 13kms
Day 4 : Tanderra Saddle/St Mary Peak trek | 20kms
Day 5 : Walk Yuluna Loop, Brachina Gorge | 12kms
Day 6 : Summit Devils Peak, transfer to Adelaide | 5kms
Transport from Adelaide and return.
5 nights cabin/motel style accommodation.
5 breakfasts, 6 lunches, 5 dinners.
All delicious snacks on the trail.
Services of professional wilderness guides.
Emergency communication/GPS equipment.
Group first aid kit.
Alcohol is not provided. Please bring any alcohol you wish to enjoy or it can be purchased during the week.
This is a small group walking tour – maximum 10 people.
While our 6 day Heysen Trail trek is a day pack walking holiday, it is a demanding walk – we advise you to do as much training as you can before your tour with us. The more you train for the walk the easier you will handle the terrain and the more you will enjoy this wonderful part of the world. It's also important to come along with an open mind, ready for an awesome experience whatever the weather, whoever the group. It is very important that you bring the right gear for the conditions. A comprehensive gear list is included in the available downloadable brochure. If you are at all concerned about your ability to do this walk, please feel free to call one of us here at Trek Tours Australia for more advice.
It was a fabulous week on the Heysen Trail, the scenery was amazing and I am really thrilled that I was able to achieve all the walking without too much angst – even if I was usually at the end of the group on the trails. As I mentioned on my feedback form, I have a strong sense of achievement and of confidence in getting back into more walking and in particular, to plan to walk a substantial part of the Camino next year. After we had filled in the feedback forms on Tuesday morning, I reflected on my experience and what had made it so good for me. In their different ways, the style of Ash, Warwick and Jacob was very supportive and exuded a quiet confidence in us that was encouraging and very positive without it being 'over the top'. We were helped but 'not fussed over' which was great. I never felt that I was too slow or felt I had to hurry up or in any way felt 'patronised' . In fact the reverse – 'respectful' seems to be the best word to describe their approach. I really appreciate it. And I hope that I may walk with Trek Tours again. Please give my thanks again to the great team of Jacob, Warwick and Ash. With best wishes
We had the best time. Cannot overstate how fabulously we were looked after by Brad, Warrick and Ann. Nothing was too much for them and their encouragement at every stage made the trip an amazing experience. Food was delicious and above expectation, accommodation was great, the route planned very well with a good blend of travel and exercise. They were always accommodating and even us senior members were made to feel that we were no trouble to them. I thank Warrick for fixing my camel pack. Sure made the walk more comfortable for me. The whole experience was outstanding. Please pass on my thanks to all. The organization was sensational from the outset. Your reminders were timely and I thank you for answering all our dumb questions. It was a great experience from the start to the finish.
Just a quick message to thank all at Australian Wilderness Adventures for an exilerating hike throughout the Flinders Ranges. The logistics were spot on and our guides Brad, Anne and Elise were friendly, always obliging, knowledgeble and very professional. The scenery was spectacular and I had time to take photos of often tiny flowers along the way. The group were always friendly and I learned much from you all. This was the second trip with Australian Wilderness Adventures and it will not be my last. Thankyou all for a wonderful seven days.
I wanted to pass onto all concerned my complete admiration and satisfaction with the way our trek to the Flinders Ranges in Sept was run. From our first enquiries, your service was exemplary. Our guides were just the best, coping so well with the mix of abilities ( Paula and I were by far the least fit - we blame the flat landscape around Mildura for that! ) Their enthusiasm for the environment, their culinary flair and their knowledge of the area made the trip just terrific for us all. Paula and I both suffered with sore feet and Annie and Elise were so attentive and caring, nursing our poor old digits with trekking wool. Wow! is that stuff amazing!
Many thanks to all of you for such a wonderful journey through the Flinders Ranges and vicinity. The walks were brilliant, the meals marvellous, the camping lots of fun. Great to meet all our fellow travellers. And thanks for sharing all your knowledge.
$2,495 per person $450 deposit per person
(G) = Guaranteed Departure Sunday 12 May : AVAILABLE Sunday 1 September : AVAILABLE Sunday 8 September : FILLING UP Sunday 22 September : AVAILABLE Sunday 29 September : AVAILABLE
(G) = Guaranteed Departure Sunday 26 April : AVAILABLE Sunday 10 May : AVAILABLE Sunday 24 May : AVAILABLE Sunday 6 September : AVAILABLE Sunday 20 September : AVAILABLE Sunday 4 October : AVAILABLE Other dates may be available on request for private charter - contact us for more details.
Day Pack Trek INTRO/MODERATE TREK
10% DISCOUNT ON TRAVEL INSURANCE WITH QBE INSURANCE At Trek Tours Australia we strongly believe in the value of travel insurance. We want to help make insurance more affordable by offering you a 10% discount. Use this discount for Trek Tours Australia treks and other travel you do anywhere in the world. GET A QUOTETravel Insurance is underwritten by QBE Insurance (Australia) Limited ABN 78 003 191 035. A Product Disclosure Statement should be considered before acquiring this product.
South Australia


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Education: Dr. Lawrence conducted his Pre-Med studies at Louisiana Tech University, where he double-majored in Biology and Chemistry, while minoring in Physics. During his Pre-Med studies, he earned an opportunity to conduct graduate-level Cancer research, as a biochemist. Later, he completed his Doctor of Chiropractic degree from Parker University, in Dallas Texas, where he graduated top of his class. Currently, Dr. Lawrence is working on a PhD in Clinical Nutrition and Functional Medicine.
Experience: After completing his Chiropractic education, Dr. Lawrence relocated to Southern Alabama to begin practice in a group practice in Saraland. In the spring of 2006, he and his wife Danielle established Spanish Fort Chiropractic, which has been a part of our community since. Dr. Lawrence has completed post graduate certification for disc injury rehab and spinal decompression, and has completed focused studies in sports injuries, orthopedics, whiplash, spinal trauma, and clinical nutrition.
Life Outside of Spanish Fort Chiropractic: Dr. Lawrence enjoys spending quality time with his wife and kids. He and his family enjoy the outdoors, and particularly enjoy hiking and kayaking. He also focuses on nutrition and healthy living, and partakes in regular exercise and fitness activities. Dr. Lawrence enjoys reading and learning, focusing mostly on study of the Bible and theology, and also in human sciences such as clinical nutrition and biochemistry.
Role: I am the Office Manager and I am thrilled to be a part of this ministry! I assist the doctor in patient care in many ways including researching patient insurance benefits, taking X-rays and operating the EMS therapy machines. I love getting to assist in helping our patients feel better!
Education: I graduated from Faulkner State Community College in 2011 with an Associate's in Business Administration.
Experience: Previous to joining the Spanish Fort Chiropractic team in 2013, I worked in banking. I have a passion for serving people and felt lead to work for Spanish Fort Chiropractic. I have always wanted to work in the health field but was unable to find the right fit, until now!
Life Outside of Spanish Fort Chiropractic: I was born in Washington State, but being a preacher's daughter, moved several times while growing up. Finally, I landed in Daphne, Alabama and married my husband, Joshua, in 2008. We are happily settled with our cats and, the newest addition, my horse Remy. Joshua and I love to go antiquing and visit the beautiful churches in Alabama. We attend church at Canterbury Chapel in Fairhope where my husband is the pianist.
Role: Recently, I joined the Spanish Fort Chiropractic team as a part-time assistant. It's a wonderful environment, and I am enjoying meeting all the patients. It's rewarding to be able to assist in patient care and share in their spinal health journey.
Education: Graduated for the University of South Alabama in Mobile, Alabama.
Experience: I have worked in hospital admissions, medical offices and a dental office. My primary work experience was in outside sales with a Fortune 200 company where I traveled all over our beautiful area.
Life Outside of Spanish Fort Chiropractic: I moved to Baldwin County in 1977, from Mississippi. I have two outstanding adult children that are a joy and blessing in my life. I love the outdoors and my cat. I volunteer at St Pauls' Episcopal Thrift Shoppe.
Role: I have joined the team as a part-time assistant in daily operations and feel very fortunate to work in such a warm, caring and outstanding patient focused environment. I work along-side Rebekah, Sandy and Dr. Lawrence assisting in patient services, pre-treatment therapies, taking and developing on-site x-rays and other clerical needs.
Education: Graduated high school in Colorado Springs, CO and attended Alexander City State Community College and Auburn University.
Experience: Through my career, I have worked for a Fortune 500 company in Jacksonville, FL managing marketing for three of their small business clients. In my "semi-retirement" I have worked part-time in office management with other companies that have influenced my health awareness, and ultimately led me to pursue a position where I can further my interests in health and nutrition.
Life Outside of Spanish Fort Chiropractic: My husband and I moved from Florida to Spanish Fort with his job in December of 2010 and truly love the area and the people. I spend a great deal of my available time outdoors and am accompanied by our two rescued Australian Sheppard–mix dogs in most activities including yard work, boating, sailing, hitting the beach, kayaking, paddle boarding, running, hiking, backpacking and camping. We enjoy visiting our two adult sons, in Jacksonville, fairly often.