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It s important to understand the process and react properly when it occurs.
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1 Doctor, You ve Been Sued! It s important to understand the process and react properly when it occurs. By Howard S. Rosenbaum, DPM Malpractice suits are terrifying events for most podiatric physicians. Among the broad range of emotions experienced are feelings of denial, embarrassment, self-doubt, anger, anxiety, and depression. Reports of large jury awards in the media evoke agonizing thoughts of a tarnished reputation and financial loss. Fortunately, many podiatric physicians have not been subjected to this psychological trauma. Nevertheless, odds favor a claim appearing at some time during your professional career. Becoming familiar with the claims process after being served with a summons & complaint will help ease the fears of this alien legal arena. First, please understand that this presentation of medical malpractice defense is my generalized personal summary and in no way represents any particular insurance carrier or state. It is written from the perspective of a podiatrist who is currently employed as a licensed medical professional liability insurance agent. Just as the same surgical procedure on two different patients is never exactly identical, malpractice litigation is unique to the individual lawsuit. Although strategies of defense may vary, basic protocols, rules, and procedures exist to guide the process. Podiatric medical malpractice is a negligent act or omission by a podiatrist that results in harm or injury to the patient. It is not defined by a poor result, but rather the deviation of practice or care from the accepted standard of podiatric medical care in the community. The standard refers to the performance level of an average qualified podiatrist. Professional Liability Insurance Professional liability insurance is a significant overhead expense that medical providers are almost always required to obtain to satisfy state licensure requirements. Despite the substantial cost, the actual details of the policy coverage are poorly understood by most professionals until suddenly called upon for protection. A malpractice lawsuit consumes many hours of precious time and generates much stress. Educating yourself
2 will help alleviate the stress and better prepare you to participate proactively in your defense. Summons and Complaint Receipt of a summons and complaint demands your immediate attention and requires a timely response. Your insurance carrier needs to be called immediately and sent a copy of the summons and complaint, followed soon after with a copy of the complete chart. Your insurance carrier confirms your coverage and refers the lawsuit to their claims department where it is managed by a claims handler clerk or in-house attorney, depending upon the corporate structure of the insurance company. An outside attorney with expertise in your type of case, as well as familiarity with the local courts and judges, is selected from the carrier s existing panel of defense firms. Typically, these firms specialize in medical malpractice claims defense work only and often maintain contractual relationships with more than one insurance company. On infrequent occasions, an off-panel attorney requested by the insured is hired, but only if approved by the insurance carrier. Within the first few days, defense counsel should consult with you and review the summons and complaint, as well as your medical records. Several points quickly emerge: * Are you the sole single defendant, or the primary or secondary defendant among multiple defendants? * Are the medical records accessible, complete, and legible? * Do issues exist, such as statute of limitations or noninvolvement, to justify motions to dismiss? * What is the estimated cost of the claim? The complaint is answered by your attorney in a timely manner, loss reserves are set by your insurance company, and meetings with your attorney are arranged. A certificate or affidavit of merit by the plaintiff s expert in the same specialty as the defendant is reviewed. Essentially, this is a report expressing an opinion that supports the claim of medical malpractice. It is required by some states in order to proceed with the lawsuit. Investigating the plaintiff s expert might reveal personal information that discredits his/her character and aids the defense in undermining the impact of his/her opinion. Discovery As discovery continues, written in-depth questions, known as interrogatories, are responded to in writing, and copies of
3 all prior and subsequent treatment records are obtained. Economic damages are reviewed. Defense experts in the same field are retained to review and render a clinical opinion on the validity of the claim. Background searches on the plaintiff, including all relevant personal and business history, are performed. A physical exam of the plaintiff is arranged by the defense counsel. In addition, private investigators are sometimes engaged to uncover and document the prevailing medical/physical condition of the plaintiff. Details revealed by the interrogatories, as well as other documents provided, direct the course of questions by the attorney at the oral testimony known as a deposition of the deponent (the individual questioned). Adequate notice of time and place should be given. The plaintiff is deposed under oath first, followed by the spouse or partner, co-defendants, and insured. In addition, the experts from the opposing parties and the witnesses to the facts of the lawsuit are also deposed. Typically, a court stenographer records all depositions and produces a printed transcript. The deponent and reporter must attest to the accuracy of the text by signature. Video and tape recorders may also be utilized at a deposition to enhance the value of the testimony. Following the examining attorney s questions, other counsel to the adverse party or co-defendants are permitted to ask questions of the deponent. As a result of discovery findings, motions for summary judgment may be filed to terminate a portion of or the entire lawsuit. As a defendant, you should be intimately involved with your attorney and your insurer in the strategic management of your lawsuit. There are three basic outcomes to a malpractice lawsuit: 1. Dismissal without indemnity payment (with or without prejudice) 2. Settlement with indemnity payment 3. Trial with jury verdict Attempts at dismissal by your counsel should be aggressively sought whenever appropriate, and especially when you are a secondary defendant among multiple defendants. Under all circumstances, defense needs to be vigorous from receipt of the summons and complaint until the claim is closed. Dismissal with prejudice is a final court judgment that prevents a re-filing of the same claim in the future, whereas dismissal without prejudice allows for re-filing the same claim in the future under certain conditions. Settlements are primarily suggested when there are substantial reasons to
4 believe that dismissal without indemnity payment is not likely and trial by jury will not succeed. To the surprise of many physicians, the physician s right to make the ultimate decision regarding settlement or trial by jury is not always provided within your professional liability insurance policy. The absolute Consent to Settle endorsement obligates the insurance carrier to abide by the decision of the insured defendant and requires the podiatrist s written approval to settle a claim. However, the worth of consent to settle is clearly diminished when a hammer clause is added to the professional liability policy. A hammer clause obliges the insured physician to pay any judgment in excess of the recommended settlement by the carrier plus the cost of defense after refusal to consent. As the suit continues, the estimated loss is re-evaluated. At all times, the insurance company must act in good faith to protect the insured. The fiduciary responsibility of the carrier obligates the carrier to advise the insured when it believes any adverse verdict will likely exceed the policy limits, and recommend that the insured obtain independent legal advice. Further, the carrier has the fiduciary responsibility to follow the general rule that requires the carrier to act as though they were responsible for the entire risk and to assist the independent counsel to protect the insured from excess liability. Since the carrier maintains control of litigation, in order to avoid an accusation of bad faith, the carrier must consider settling the case within policy limits, taking into consideration the interest of the insured in addition to its own. The effort to maintain good faith by settlement is sometimes in conflict with the insurer s desire to avoid exposing itself as a possible target for future frivolous claims, which would result in higher defense costs. Unfortunately, even a dismissed claim without indemnity payment is recorded forever in your applications for healthcare facility privileges and health insurance provider network participation. In addition, many state license websites and the National Practitioner Data Bank (NPDB) record all indemnity payments. In fact, medical malpractice payers are required by law to report all payments within 30 days to the NPDB. Effect on Premium Rates Even without indemnity payment, all claims are costly. It has been estimated that a medical malpractice claim now costs $50,000 - $100,000 to defend. Premium rates are affected differently by the malpractice insurance carriers:
5 * A dismissed claim with no indemnity payment (closed within six months) does not affect rates. * A closed claim - dismissed or trial jury verdict with no indemnity payment (open for more than six months) - may increase rates at some carriers, but not others. * A closed claim by settlement or trial jury verdict with indemnity payment is likely to increase rates at most carriers, but not all. The frequency of claims, amount of indemnity payments, and details of the claims all contribute to an underwriter s assessment of risk for determination of the premium rate. Some insurers base their rates more on charts, while others recognize individual differences. Loss ratios are determined by underwriters as they establish individual premiums. The most recent ten-year time period is most important. However, earlier history of large indemnity payments or higher than expected claims frequency are often taken into consideration. For most podiatrists, the likelihood of being non-renewed by your current malpractice insurance carrier is small. My advice to all podiatrists is to pay their professional liability premiums on time, complete renewal paperwork promptly, and keep their carrier informed of any changes within their medical practice. There is no simple answer for those podiatrists concerned about their history of frequent claims or large indemnity payments. A podiatrist with a single indemnity payment (unless extremely large), or a podiatrist with two dismissed claims with no indemnity payment, are usually insurable in the standard market. However, the occurrence of a lawsuit places your office policy, procedures, and records under serious scrutiny. It is vitally important not to alter any medical records or demonstrate any behavior that can be perceived as immoral or unethical. An active effort by the insured to identify and correct practice habits that may have contributed to claims is advisable. Many malpractice insurance carriers have risk management departments to assist the insured with offers of tools and guidance to lessen the likelihood of a claim. Electronic medical records and e-scripts are just two examples of practice activities that are believed to reduce risk. Now that you better understand the management of a malpractice claim, you will be able to view it more like a business matter of inconvenience than a personal attack. Under guidance of counsel, become an active contributor to the defense and maintain diligent oversight of the process. Remember, you are not alone.
6 Howard S. Rosenbaum, DPM is presently employed full-time at Conventus Inter-Insurance Exchange as a licensed malpractice insurance agent in New Jersey. Dr. Rosenbaum is a Past-President of both the New Jersey Podiatric Medical Society (NJPMS) and the Podiatric Physician Management Corporation (PPMC). As Founding President of PPMC, NJPMS initiated a successful malpractice insurance program for its membership which is still thriving today.
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Mobile casino games are all the rage because the technology is getting better and better so more and more games are now available to play on your iPhones, iPads, your Surface Tablets and you Galaxy Smartphones. Regardless if you use IOS-Android-Windows you have a slew of great games to play both for free and for real winnings! Some of the favorites on the CasinoGames.com site include the Dwarven Gold Slot and the Caribbean Poker online poker game.
This year we have seen an explosion of free mobile brands added to the mobile free play games section at the CG site such as the Play n' Go brand and Pragmatic Play. What many of our visitors are not aware of is that there are so many more mobile games that are available but require you to register for an account first before you can play their games. Casinos such as the Silver Oak Casino has a great selection of mobile games and you can gain free access to these games by opening a free account, once you have an account you can log in on your mobile device and play great games like Builder Beaver and the Suit'Em Up Blackjack game. If you have not recently tried playing free casino games on your smartphones and tablets you have no idea what you are missing! If you enjoy playing these games please make sure to share the CasinoGames.com site with your friends.
Have fun and good luck,
The Casino Games Team

subset: commoncrawl


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Senior Counsel Robert Neuner has had a distinguished career as a patent trial lawyer. He is also a featured lecturer on litigation for the annual Patent Law Institute program, lecturer on the trial and appeal of intellectual property cases, and a long-time columnist on patent and trademark law for the New York Law Journal. He is listed in the Chambers USA Guide, America's Leading Business Lawyers since 2003, Chambers Global The World's Leading Lawyers since 2004, and The Best Lawyers in America, 2006-2009. In addition, Mr. Neuner was named a "New York Super Lawyer" in New York Super Lawyers, Manhattan Edition, a special supplement in the New York Times by Law and Politics, 2006-2009.Practice ExpertiseExtensive experience and success in the pretrial, trail, and appeal of patent, copyright, trademark, and trade dress cases. Additional expertise as a special master in patent cases, including discovery, settlement oversight, claim construction, and summary judgment.Bar Admission
All Contents Copyright © 1996-2019 Practising Law Institute. Continuing Legal Education since 1933.
© 2019 PLI PRACTISING LAW INSTITUTE. All rights reserved. The PLI logo is a service mark of PLI.
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it's time.
i'm officially starting a link up.
wednesday giveaway galore
wednesday giveaway galore
eventually i'll have a cute button to go along.
until then....
each wedensday i want to post a few giveaways i've entered
and have a link up for others doing giveaways
what do you think???
[1] Grin and Barrett: 1 stick color riche balm, $5 Starbucks, $5 Old Navy, 1 Anthro Homegrown Monogrammed Mug, and 1 mo free ad space
[2] the small things bloodspot: 1 yellow bubble necklace
[3]chubbette tales: 1 single monogrammed necklace from kraftshop
[4]oh hello friend: $75 gift card to winsome & green (oh hello also have a weekly deal going on pay $20 for $25 worth of credit to tinnily)
happy giveaway wednesday!!!


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Smooth moonstone beads are strung together with a Sterling Silver half moon symbol set with Clear Topaz on a stretchy cord.
It easy and comfortable to wear.This bohemian bracelet can be stacked, worn alone, dressed up or worn casually.
Moonstone gemstone symbolism: protection, hope, compassion & enhances feminine energies.
Beads measure 8mm in diameter
This bracelet is a size 7.5". For sizing, contact us
Every item over $500 comes packaged in our high quality Anzie Jewelry box customized to the shape of the piece you order.


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How to succeed in studies?
Prakash Gautam
"How to get success in studies"? It is one of the common tensions of students. It is a real tough question but the answer largely depends upon how an individual looks the question. Does success mean getting high marks in examination or anything else? There's nothing strong enough base to support or reject the fact that success in studies is gaining marks. But clearly success largely depends upon one's interest and passion on studies.
Actually succeeding in studies is just expressing oneself in the field of one's interest. For example, Albert Einstein did nothing extraordinary from his prospective, he just expressed himself in the field which he used to wonder form his childhood. He had a passion to find what would happen if he could travel at the velocity of light which later led to famous "Theory of Relativity", it is an extraordinary achievement on the field of physics but to Einstein himself it was just a result of his passion, an outcome of his quest to know the reality of travelling in velocity of light.
Here as well, for example, if our interest is to know actually what gravity is, why we should study about gravitation, we will catch up the idea and after knowing new thing we would be happy and would be able to get those ideas set in mind. Gravitation thus would be an easy chapter for us students. But if our interest is not to know what actually gravity is but to know how to solve those so called "very important short questions or numerical" then the chapter gravitation, which I just called an easy chapter, turns out to be a difficult chapterand those numerical and short questions become a matter of headache in examination.
Having said all these, I present here a way to adjust oneself with studies. I believe that a student should have three C's in his mind; namely "Concentration", "Concept" and "Curiosity".
Whatever a person does concentration on his work is very important to get the work done properly. In studies also concentration is very important. Inside the class when the lecturer is delivering a lecture the student must have his concentration on what his lecturer is saying. Being physically present inside the classroom is not just important a student must mentally be present inside the class. And the second of three C's, concept, is the most important thing. Whatever is learnt or taught should be made into concept. Memorizing the formulae is not important but rather understanding what the formula has to relate with physical or practical aspect is more important.
Curiosity is another important aspect in study. Whatever is told or taught should be analyzed and the student must ask questions whichever is unclear or what seems to be more interesting. If there is a curiosity to learn new thing the amazing facts in studies would gradually be unfolded and more and more interest and curiosity would arise which would lead to better understanding.
Why students in Nepal are oriented more in getting mark and why do they take studies as burden is another question to address. One clear reason for this is a rubbish mindset created in students created by society and teachers. I present here a common example of what happens in the classroom. A teacher teaching diode or transistor tells the student that the topic diode is a very important five mark question; this would make the student to be oriented in gaining mark in examination. S/he would not even think of the logical work a non living piece of circuit element would do. If instead the teacher tells that the diode is a logical circuit element that it can perform logical work of determining which terminal is at higher potential and which is at lower potential, the student will certainly be fascinated with the logical task of diode and the topic diode would be easy to him.
It is a matter of common experience that if we have watched an interesting film just once, we would be able to tell the whole three hour story of film without any difficulty but if we have no interest in what rubbish simple machine is, a one line definition of simple machine becomes rather difficult than the whole three hour story of film.
Had Einstein or Newton been oriented in gaining marks in physics the present extraordinary achievement in the field of physics would have been impossible. I will clearly suggest my all the students not to make examination a part of education, but to realize that examination is just a part of education system. Enjoy whatever you learn and learn whatever you interest at. The science we study posses immense potential of fun and joy just try to discover that potential the whole problem of success in study would be solved within seconds.
I expect your valuable comments and suggestions


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Compiled by Earl Oliver and Brian Westcott
1.Death-n-Destruction (Frank Parker and Roger Anderson)
10/15/96-Charles City, VA
2.Genocide (Dark Justice and Nuclear Nightmare )
05/01/99-Suffolk, VA
3.Russian Mafia (Mikael Kolov and Nikolai Petrovka)
12/19/99-Newport News, VA
4.Preston Quinn and Scab
06/04/2000-Newport News, VA
5.2 Damn Badd (Phil Brown) and Steve Perez
09/24/2000-Newport News, VA
6.The Gentlemens' Club (Lord Everett DeVore and The Latin Lover)
02/25/2001-Newport News, Virginia (Mitty's Nightclub)
The Saltwater Redneck and Sketter charged the ring and nailed Perez and Badd with the belts, resulting in the pinfall that made the Gentlemen's Club the champions.
7.Hot Property and Korie James
05/13/2001-Chesapeake, VA
Ray Storm and Mark Anthony
11/18/2001-Newport News, VA
8.Christian York and Joey Matthews
12/01/2001-Smithfield, VA
9.Sean Lei and Sonjay Dutt
04/21/2002 Newport News, VA (Mitty's Nightclub)
04/21/2002-Newport News, VA
Belts were stripped from Lei and Dutt because of outside interference in the title change match.
10.Idol X and Greg Steele
07/14/2002 Newport News, VA
Defeated Preston Quinn and Sean Lei in a tournament final to win vacant title
11.Revelation (Malaki and Marchocias)
09/22/2002-Newport News, VA
12.Old School Empire (Damien Wayne and Mike Booth)
01/19/2003-Newport News, VA
13.Joey Silvia and Chris Escobar
04/11/2003-Bridgewater, VA
14.Old School Empire [2]
10/26/2003-Gloucester, VA
15.Phil Brown and Dirty Money
04/17/2004-Norfolk, VA
16.Revelation: 6D6 and Brandon Day
11/07/2004-Hampton, VA
17.Sean Lei and Dirty Money
08/14/2005-Hampton, VA
18.Street Sweepers: Vercetti and J-Sinn
09/11/2005-Hampton, VA
19.Ross Hall and James Hall
04/08/2006-Williamsburg, VA
20.Christian York and John Kermon
05/05/2007-Virginia Beach, VA
21.Hallstars: Ross Hall and James Hall [2]
07/07/2007-Virginia Beach, VA
22.Geordie Bulldogs: Sean Denny and Mark Denny
12/13/2008-Virginia Beach, VA
6D6 substitutes for Mark in the title match.
23.Assault and Battery: Diamond Victor Griff and Carlos Hottness
05/02/2009-Suffolk, VA
24.The Set (Lance Lude and J-Sinn)
02/27/2010-Virginia Beach, VA
Defeated Hallstars and Phil Brown and The Reason in a 3-way match.
25.Hallstars [3]
06/04/2011-Norfolk, VA
26.Chatch and Krotch
12/03/2011-Hampton, VA
27.Hallstars [4]
04/21/2012-Norfolk, VA
18.Set (J-Sinn and Lance Lude)
12/15/2012-Norfolk, VA
28.The Firm (Shorty Smalls and Mr. Class)
06/01/2013-Norfolk, VA
By default
29.Platinum Enforcers (Phil Brown and C.W. Anderson)
02/01/2014-Norfolk, VA
Defeated The Firm (Shorty Smalls and Mr. Class) (c) and the Geordie Bulldogs in 3-way match.
30. Geordie Bulldogs (Sean Denny and Mark Denny) [2]
12/06/2014-Norfolk, VA
31.Pink Pride Nation (Frankie Fontaine and Irresistible Isaiah)
07/25/2015-Norfolk, VA
Title Vacant
Pink Pride Nation (Frankie Fontaine and Irresistible Isaiah) were stripped for failure to defend.
32.Hellcats (Jimmy Starz and Sexy Steve)
03/05/2016-Hampton, VA
Defeated the Hallstars (Ross Hall and James Hall)
33.Phil Brown and J.J. Blake
04/01/2017-Norfolk, VA
34.Hellcats: Jimmy Starz and Sexy Steve [2]
10/07/2017-Norfolk, VA
35.Gangrel and Kevin Thorn
07/28/2018-Norfolk, VA
Copyright 2018 Jump City Productions


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Author: Andy Weir
Why I Read It: Because I am a nut for anything space related. And I'd heard this was exceptional.
First Line: "I'm pretty much fucked."
First Impression: Ha! This guy is funny!
Last Impression: Wow. That was fun. Predictable, but not disappointing. And a little bit more dry technical content than I expected. But very very good.
Overall – 5 The praise for this novel is well-earned. It's sharp, witty, scientifically accurate, believable, addicting, riveting, and funny. It gets a bit dry toward the end as Mark Watney, our stranded Marstronaut, continues technical explanations when the reader is itching for focus on the action. However, these explanations are necessary, add accuracy, and make the entire scenario plausible. So, if the worst thing about this book is it is works a little too hard building credibility, that's not that bad at all.Characters – 5 The Marstronauts are diverse and interesting. The ground crew is less engaging than the characters in space, but they are still well-rounded and interesting. But these characters all pale against the likability of our main character. Mark Watney is the all-American underdog we all want to root for. And with each page and every Martian obstacle, we are all rooting for him.
Story – 5 Though predictable in places, every part of the story feels new placed against the unforgiving Martian backdrop. Each new challenge makes us hold our breath and each quip from Mark keeps us hopeful and turning the pages.
Narration – 4 The only place this novel doesn't earn 5 stars is here, as the pacing could have been improved. The technical facts that keep him alive in the beginning lose their draw the more often they surface, though they remain just as true.
Narration – 4 The only place this novel doesn't earn 5 stars is here, as the pacing could have been improved. The technical facts that keep him alive in the beginning lose their draw the more often they surface, though they remain just as true.
Read Again? Definitely. It was satisfying and enjoyable. Once it's had long enough to rest, I'll revisit it again.
Tell Others to Read? Absolutely! However, with the movie coming out soon, I'm sure most people will hear Mark Watney's story one way or another.
Excerpt: I'm pretty much fucked.
That's my considered opinion.
Six days into what should be the greatest month of my life, and it's turned into a nightmare.
I don't even know who'll read this. I guess someone will find it eventually. Maybe a hundred years from now.
For the record . . . I didn't die on Sol 6. Certainly the rest of the crew thought I did, and I can't blame them. Maybe there'll be a day of national mourning for me, and my Wikipedia page will say "Mark Watney is the only human being to have died on Mars."
And it'll be right, probably. 'Cause I'll surely die here. Just not on Sol 6 when everyone thinks I did.
Let's see . . . where do I begin?
The Ares program. Mankind reaching out to Mars to send people to another planet for the very first time and expand the horizons of humanity blah, blah. The Ares 1 crew did their thing and came back heroes. They got the parades and fame and love of the world.
Ares 2 did the same thing, in a different location on Mars. They got a firm handshake and a hot cup of coffee when they got home.
Ares 3. Well, that was my mission. Okay, not mine per se. Commander Lewis was in charge. I was just one of her crew. Actually, I was the very lowest ranked member of the crew. I would only be "in command" of the mission if I were the only remaining person.
What do you know? I'm in command.
Content property of Broadway Books


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Be sure to click here and enter to win your choice of 3 patterns/tutorials from Whimsy Couture!
Blog Announcement!
I'm sad to announce that I will be closing this blog down at the end of the year. My last giveaway will run the week of December 20th. Thanks to all the readers and sponsors that have been so supportive!
Saturday, June 5, 2010
Last chance to enter!
Posted by Andrea @ See it! Love it! Win it! at 12:01 AM
Labels: whimsy couture
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You know that crazy, oh-so-satisfying feeling you get when you rip off your pore strip and grossly admire what you think are blackheads? Turns out, those probably aren't blackheads at all, and removing them might be doing more harm than good. Ugh. Follow the link below to read more.
Photos: Alliance/Shutterstock


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Lance Holt School profile:
- A small community school in the heart of Fremantle
- Established in 1970
- Has a strong reputation for participating in the local community and encourages family involvement in school activities and programs
- Has an enrolment of 120 students from Kindergarten – Year 7.
Themes and threads of student wellbeing
One of the core shared values of Lance Holt School is respect and concern for others and their rights which is a theme that threads through the activities of the school. In 2007 the school applied to participate in the KidsMatter pilot because the focus on health and wellbeing reflected the school's values and philosophy of supporting students in their learning. Having access to professional learning about mental health in the context of a school community was a particular attraction.
The staff wanted to support students, and also provide assistance to parents who asked for ideas and strategies about parenting. Staff members have been trained in all four Components. The school priority on student wellbeing means that KidsMatter Primary will continue to provide an 'umbrella' for all other aspects related to social and emotional learning. It builds the sense of belonging to the school community for students and parents.
Recently I downloaded an article about children and anxiety. I feel confident when I give parents a KidsMatter information sheet because I know it has been well-researched. I can download one or email it as a pdf, and refer parents to the website. I also pass on the sheets to Learning Support staff, where applicable, so that they can understand more about what affects interactions in the classroom, and why we take an approach to working with particular students.
Kathryn Netherwood, Coordinator
Educating the school community in wellbeing
The school believes it is essential to provide parents with high quality information about mental health and wellbeing. Information sheets and articles accessed through the KidsMatter Primary website are valuable resources.
Sharing learning with the community
The school offers a range of opportunities to involve the community and reinforce Component 3. Students prepare for a Learning Journey event annually at the end of Term 1. Students prepare a presentation on work that has been important learning and share it with an adult family member whom they invite into the school. They work in pairs for the first part of the morning and come together as a class before a whole-school celebratory morning tea.
Talking the same language
KidsMatter Primary in Lance Holt School provides a framework for all the work in mental health and wellbeing across the school. In every classroom students learn about social and emotional learning (SEL). Teachers researched programs as age-appropriate, and there are three SEL programs: Promoting alternative thinking strategies (PATHS) program is used in Kindergarten to Year 3; Bounce Back is for Years 4 and 5, and Aussie Optimism is part of Years 6 and 7 curriculum.
KidsMatter really draws together our focus on being a 'connected' school and developing rights and responsibilities. Teachers and students are talking the same language. Previously, we reacted to friendship issues in Year 4 and 5 girls' groups. Now we use the skills in the social and emotional learning programs to build understanding and skill the children with strategies they can use with friendship issues before they arise as difficulties.
Kathryn Netherwood, Coordinator
Building student leadership
By the time a student leaves Lance Holt School she or he will have chaired at least one 'Morning Meeting'. The whole school community participates in this meeting to share stories; celebrate achievements; communicate information; perform; and learn new things. Students learn skills and strategies required to manage the meeting, and the chair may be as young as six years old. This is an opportunity to develop leadership skills and support the experience of belonging and inclusivity described in Component 1. Kathryn said that the responsibility for running Morning Meeting gives children a voice and it enables them to learn about other students in different age groups. Students receive support from other students and teachers in the role of chair, and they become more connected and confident in their leadership skills.
Contact with parents
The school has regular contact with parents. Through class newsletters parents learn about what students are doing in lessons. This is particularly helpful in social and emotional learning classes. For example, a teacher emails parents with tips on friendship after a lesson on 'belonging' and what it means to be a good friend. Regular email contact has become an effective source of communication. It is also a way of educating parents about the social and emotional curriculum and the KidsMatter Primary framework used across the school.
You can download the Lance Holt School story - talking the same language [345KB]
See all school stories from Western Australia
See all school stories across Australia


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Thank you very much for visiting our office. We understand that you have
many choices when it comes to your orthodontic care so we feel honored that you are here with us today. Our goal is to make your orthodontic experience as pleasurable as possible. At any point during your visit today, please let us know how we can make you feel more comfortable.
At Sturz and Abby Orthodontics, we are committed to providing you with exceptional orthodontic care that will benefit you the rest of your life. Our primary concern is your overall wellbeing and not just straightening your teeth. We pride ourselves in listening to your concerns and working with you to come up with a treatment plan that addresses all of your needs.
Orthodontics has become a big business over the last decade and we are dedicated to separating ourselves from that trend. We don't want you to feel like you are part of a huge corporation. On the contrary, we want you to feel at home in our office. At Sturz and Abby Orthodontics, we pride ourselves in treating each patient as we would our own family. This means heart felt care with more one on one time with the doctor.
We are very passionate about what we do and we hope that will come across during your visit today. We want you to walk away a raving fan of our office and all that we do here. The best compliment we could ever receive is if you are so pleased with your care at Sturz and Abby Orthodontics that you would recommend us to your family and friends.
Thank you again for taking the time to visit us today. We are thrilled to haveyou here.
The Sturz and Abby Orthodontic Family


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Expert, Outsourced Bookkeeping Services for Small Businesses
As a small business owner, your time is your most valuable asset. That's why outsourcing bookkeeping and CPA accounting services to a trusted partner like Robert G. Bartlett, CPA can be a wise investment. While it's your job to focus on building your business and generating profits, it's our job to look after your books and make sure your financials are in order.
At Robert G. Bartlett, CPA, we believe in providing timely, reliable, and affordable services to businesses in the Woodland Hills and San Fernando Valley area. Check out some of the outsourced bookkeeping and accounting services we provide for small businesses:
Compilation and Review Services
All compilations and reviews are conducted in accordance with Statements on Standards for Accounting and Review Services. In fact, our firm was recently rewarded with passing a "peer review" conducted in accordance with the Standards for Performing and Reporting on Peer Reviews established by the Peer Review Board of the American Institute of Certified Public Accountants.
Our understanding of your unique business and operations is of critical importance when expressing assurance that no material modifications need to be made to the financial statements.
Financial Forecasts & Projections
Typical services include some type of prospective (future-looking) financial information such as income tax projections, analyzing the possible effects of changes in operations, helping clients develop budgets, assisting individuals with personal financial planning, and preparing prospective financial statements for submission to lending institutions such as banks and the Small Business Administration.
Forecasting is a necessity when trying to effectively manage and lead a business to profitability. From simple projections to complex financial modeling, our experienced staff can assist you in achieving your company's financial goals.
Financial Bookkeeping/Write-Up
Meaningful, well-organized financial records ensure that your business operations will run more efficiently on a daily basis and are the foundation of a successful business. Our qualified staff can assist you with the day-to-day tasks associated with bookkeeping. Providing financial information to our clients in a timely and accurate manner is a commitment that we feel cannot be comprised. Get services tailored to your needs. Spend your time building your business – and your profits; let us handle your bookkeeping, record keeping, and report filing.
We can provide as many of the following services as you want: -Paying bills and managing accounts payable. -Handling all payroll functions, including quarterly and annual payroll tax reports. -Invoicing your customers, posting collections, aging accounts receivables. -Doing your bank reconciliations and providing cash balance reports. -Maintaining sales journals and general ledgers. –Preparing all required business tax reports and filings. -Preparing any customized reports you find useful. Where do we begin? We'll work with you to identify the services you need. Then we'll set up a schedule so data is collected, recorded, and handled efficiently and timely.
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We gauge our worth by the personal and business successes of our clients. We can help your business identify areas negatively affecting profitability and growth and develop solutions that are practical and financially sound. In addition to acting as a sounding board for management, we provide comprehensive, flexible strategies that address the issues affecting your business.
If you're looking for outsourced bookkeeping for your small business that will provide you with close, personal attention, don't hesitate to call us at 818-887-4040 or email us at firstname.lastname@example.com.


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I'm leaving tomorrow for a mix of vacation and poker in Southern California. The poker will be playing a half dozen tournaments in the "Legends of Poker" series at The Bicycle Casino.
Here is my schedule:
7/31 6 pm $335 "re-entry" NL hold'em
8/2 1 pm $225 NL hold'em shootout
8/2 6 pm $275 NL hold'em with $50 bounties
8/3 1 pm $225 NL hold'em 6 handed
8/3 6 pm $225 HORSE
8/4 6 pm $330 NL hold'em Deep stack
8/6 6 pm $335 "re-entry" NL hold'em
8/7 6 pm $335 "re-entry" NL hold'em
The re-entry tournaments are interesting. The first one on my schedule is actually day 1D of a massive tournament where if you bust out you can reenter. Day 1A was yesterday, 1B is today, and 1C is tomorrow. If you go broke on any of those days you can try again the next day. And if you go broke before a certain level you can try again the same day.
The last two tournaments on my schedule are the same (In fact they are days 1A and 1B). If I don't make it through day 1A, I'll try again on day 1B. Hopefully I won't have to fire too many bullets in these and can get into a tournament with a huge prize pool for not to much cash.
The other tournaments are pretty standard, but I'm looking forward to playing a field that should be almost all amateurs rather than the fields of all pros at the WSOP. I'm sure my online hourly rate is higher than my expected hourly rate in these tournaments, but they should be enjoyable and if nothing else I'm looking at this as a training exercise.
If I can find two deep cashes or one final table the series will be a solid success.
I'll be tweeting updates on every break so you can follow the action as it happens.
The FTOPS starts on August 4th so that will be intertwined with the LOP action, but I'll post more on that later.


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Sometimes the good can only become better with the passage of time. I'm not talking fine wine, mind you. I'm thinking more along the lines of morning after pizza or three day old chili whose ingredients have friended eachother.
I'm referring to the delicacy "paniscaro frigidus" or cold meatloaf. The catsup is my own addition, and though a bit pedestrian, brings back fond memories.


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Balmain Sequined cotton top
Balmain fuses grunge and glamour with this distressed sequined top!
Balmain top has a round neck, long sleeves, intentional distressed detailing, a raw trim and simply slips on. Army-green cotton top with bronze and olive all-over sequin embellishment. 100% cotton. Dry clean.
Balmain Sequined cotton top
Check out this link for more Balmain Women Clothing 2011


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1. My hair. After a very stressful few weeks where I wasn't sure whether Fetusaurus was still in there, or if he/she was packing his/her bags and about to move out into the Great Hereafter, I got good news at our OB appointment. We saw a heartbeat, saw his/her gigantic noggin, and were told that Fetusaurus is measuring right on schedule (naturally, because he/she is an exceptional fetus). Due to this good news, which left me a little teary, I felt a little selfish being almost giddy when the OB told me that recent research had revealed that it is okay for me to color my hair during pregnancy, and okay for me to use my regular acne products. Yes, Fetusaurus is okay and still with us, and also, I can continue on with my regularly scheduled vanity. I am going to be a terrible mother.
2. Oysters. I watch Food Network like some people watch…porn, I guess. For a few weeks, I couldn't, because everything sort of disgusted me, but now that (I think, I hope) I'm coming out on the other side of this nausea, it all looks good. Let's be clear: I still don't want to cook any of it. If I tried to cook it, at some point during the process I would grow tired of it and it would gross me out again. But what I really want is to go to a restaurant right now and get some grilled oysters. On a show yesterday, they showed oysters being grilled in the shell with garlic butter and cheese, and it sounded like the best possible thing. Then today, Paula Deen made fried oysters, and I swooned again.
3. Trying to fake myself out with drinks. I am not (much of) an alcoholic, but I already miss wine, and I know I'm going to miss cold mixed drinks and beers during the hot summer months. My pregnancy brain has, unfortunately, failed me, and I spent an embarrassing amount of time the other evening wishing they made nonalcoholic wine before I realized that they do, and it's grape juice. I am not above making nonalcoholic drinks and sipping them out of wine and martini glasses.
The way this pregnancy is going, I'm assuming this list will be completely different next week. But right now, we have: my own vanity, food, and alcohol. Awesome.


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Long Way Home, The
Long Way Home, The
8 1/4 x 5 3/8 x 1/4, 98 pages.
What a special book by Paul Trask, who has been there and done that, when it comes to surviving a false religion (The Community of Christ, formerly the Reorganized LDS church). If you ever wanted a book that would be the companion to yourself or someone you know trying to emotionally and spiritually survive outside of ANY cult, and settle into a real and true relationship with Jesus Christ, this is it.
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Amy and Maya at The Creativity Caravan partnered with Apryl of the Halfway There reading series to present Readings on Grieving. Seven local writers presented pieces centered around grief and letting go. What follows is the piece I read for the event.
The Death of My Father
My father died on a street in Camden, Maine. We were walking up a hill and he stopped, again and again, waving his grandchildren ahead. "Don't wait for me. I'll be there soon." Shallow breaths forced him to lean heavily on the stone wall, my mother hovering nervously at his side.
My father died in a hospital bed after a heart attack. There were dozens of dangers and warnings and maybes and precautions before he could be put under anesthesia for a common and simple procedure. I smiled and waved off the dangers and said we'd see him in recovery. But we all knew, he knew especially, that he might not make it to recovery. He said he wanted The Battle Hymn of the Republic played at his funeral. We laughed, and then we made mental notes. Just in case.
My father died in church, unable to stand or sing or pray out loud. I sang a little louder and held his hand, but the notes were off and my throat felt sore. His voice had always been in tune and powerful and filled with the belief I no longer had.
My father died in the specialist's office, sitting between my mother and me, one hand on the ever-present oxygen tank. The pulmonologist killed him with her gentle but firm words, "Your fibrosis won't respond to this treatment." That was the moment he gave up on trying to fight off death.
My father died falling out of bed. He hit his head and hurt his body and bruised his pride on the way down. He never left the bed after that. He was more afraid of falling once more than lying in bed forever.
My father died hearing my mother and me snap and argue and gripe at each other over what was best for him. "Please be patient with your mother, Kristin," he pleaded. I tried. I couldn't do it well enough. Not even for the weekends. Not even for him.
My father died in hospice, two hundred miles away, whispering "I love you, too" as my mother held the phone to his mouth. Sitting in my car outside my children's school, I flooded his ear with as many of the ways his grandchildren loved him and how lucky they were to have him for as long as they did and how they'd always remember him as strong and loving and vital and necessary. He knew "they" really meant me.
My father died when I hung up the phone, releasing the sobs that I'd tried so hard to hold back during the call. I cried because I wasn't with him and because others were. I cried because I hadn't said enough. I cried because the inevitable was so near. I cried because my father had been dying for so very long. I cried because he was ready. I cried because I was not.
My father died after many almosts and close-calls during two decades of stolen years in which he raised children to adulthood, married off two daughters, eventually retired, and met and loved his grandchildren. And was so loved in return.
Years later, in surprising and sudden bursts, I still weep when I hear his favorite songs and know he'd like to sing them once more. Years from now, I will still sing a little louder for him, off pitch and with joy.


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Michaela & Tom have moved around a bit (like us!) and we're so glad they moved here. They really make each other happy and are super easy-going, nice people. We need to repeat that last bit again…they are super easy-going. We met at Pier 57 on the Seattle waterfront because they both love boating and being near the water. All of us crossed our fingers for nice weather (a rarity in these parts) and woke up with no rain (huge plus!), but it was Freezing, like see your breath-chattering teeth-30 degrees-and-windy kind of freezing. Luckily the Miner's Landing was open so we could take a break inside and warm up, but Michaela & Tom were total troopers! They didn't wear coats and did not complain once. True East Coasters. We absolutely love how fun and playful their photos turned out!
Thanks Michaela & Tom!


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Department of Mechanical and Materials Engineering, Queen's University, 130 Stuart Street, Kingston, ON, K7L 3N6, email@example.com
Department of Mechanical Engineering, University of Saskatchewan, 57 Campus Drive, Saskatoon, SK, S7N 5A9, email@example.com
Department of Civil and Environmental Engineering, University of Windsor, 401 Sunset Avenue, Windsor, ON, N9B 3P4, email@example.com
This paper reports an experimental investigation of a round jet discharging horizontally from a vertical wall into an isothermal body of water confined in the vertical direction by a flat wall on the bottom and a free surface on top. Specifically, this paper focuses on the effects of vertical confinement on the characteristics of large vortical structures. The jet exit velocity was 2.5 m/s, and the exit Reynolds number was 22,500. Experiments were performed at water layer depths corresponding to 15, 10, and 5 times the jet exit diameter (9 mm). The large-scale structures were exposed by performing a proper orthogonal decomposition (POD) analysis of the velocity field obtained using a particle image velocimetry system. Measurements were made on vertical and horizontal planes—both containing the axis of the jet. All fields-of-view were positioned at an axial location in the range 10<x/D<80. The number of modes used for the POD reconstruction of the velocity fields was selected to recover ∼40% of the turbulent kinetic energy. A vortex identification algorithm was then employed to quantify the size, circulation, and direction of rotation of the exposed vortices. A statistical analysis of the distribution of number, size, and strength of the identified vortices was carried out to explore the characteristics of the coherent structures. The results clearly reveal the existence of numerous vortical structures of both rotational senses in the jet flow, and their number generally decreases in the axial direction while their size increases. The size of vortices identified in the vertical plane is restricted by the water depth, while they are allowed to increase in size in the horizontal plane. Moreover, the results show a significant decrease in the number of small vortices for the shallowest case in the horizontal plane, with a corresponding increase in the number of large vortices and a significant increase in their size. This behavior was accompanied with an increase in the vortex circulation in the horizontal plane and a reduction in the circulation in the vertical plane. This is indicative of the dominance of the pairing process due to shallowness. Moreover, the balance between the positive and negative vortices in the vertical plane changed because of the formation of negative (clockwise) vortices near the solid wall at downstream locations.
Schematic description of the apparatus
Variation in the correlation coefficient C′(ti,1000) of the velocity field at 1000 s with the velocity fields at all other times ti. For clarity, only the correlation values of 100 velocity fields before and after the velocity field at 1000 s are shown.
The effect of sample size M on the eigenvalue spectra for the first ten modes. The eigenvalue problem was calculated for ensembles of different sizes taken from a single data set.
Illustration of the effect of the threshold T on (a) the mean size Rmean and (b) the mean circulation Γmean of vortices. These mean values are calculated from the vortices that exist in 16-grid-unit intervals of the axial distance x indicated.
Examples of POD-reconstructed velocity fluctuation fields for the H/D=15 case: (a) vertical plane and (b) horizontal plane. The circles represent the size of identified vortices. Arrowheads indicate the direction of rotation.
Examples of POD-reconstructed velocity fluctuation fields for the H/D=5 case: (a) vertical plane and (b) horizontal plane. The circles represent the size of identified vortices. Arrowheads indicate the direction of rotation.
Grayscale contour that shows the distribution of the number of vortex centers that exist in eight-grid-unit intervals in both x and y (or z) directions calculated from 2000 velocity fields on (a) a vertical plane and (b) a horizontal plane of the shallowest case H/D=5. Note that y/D=z/D=0 represents the centerline of the jet.
Variation in the normalized number of vortices Ns/Nf in the axial direction x/D for the shallow jet cases on (a) the vertical plane and (b) the horizontal plane. The results are compared with the free jet case of Shinneeb (6).
The distribution of vortex size R in the axial direction x. Each figure represents data extracted from 2000 velocity fields on (a) a vertical plane and (b) a horizontal plane of the shallowest case (H/D=5). Note that positive R/D represents positive rotational sense.
Percentage of vortices for (a) the free jet and shallow jets on the vertical plane of depths; (b) H/D=15, (c) H/D=10, and (d) H/D=5. Each figure shows three profiles (i), (ii), and (iii) taken at different ranges of axial distances.
Percentage of vortices for the shallow jets on the horizontal plane of depths: (a) H/D=10 and (b) H/D=5. Each figure shows three profiles (i), (ii), and (iii) taken at different ranges of axial distances.
Variation in the normalized mean radius Rmean/D of vortices in the normalized axial direction x/D on (a) the vertical plane and (b) the horizontal plane
Distribution of vortex circulation Γ of the shallowest case (H/D=5) extracted from 2000 velocity fields on a vertical plane of two adjacent fields-of-view: (a) 28<x/D<44 and (b) 44<x/D<61. Note that positive Γ/DUe represents positive rotational sense.
Distribution of vortex circulation Γ of the shallowest case (H/D=5) extracted from 2000 velocity fields on a horizontal plane of two adjacent fields-of-view: (a) 29<x/D<45 and (b) 46<x/D<61. Note that positive Γ/DUe represents positive rotational sense.
Variation in the normalized mean circulation Γmean/DUe of vortices in the normalized axial direction x/D on (a) the vertical plane and (b) the horizontal plane
Distribution of normalized circulation Γ/DUe associated with the identified vortices of different sizes at two adjacent fields-of-view for the free jets (a) and (b), the shallowest jet case (H/D=5) on the vertical planes (c) and (d), and the shallowest jet case on the horizontal planes (e) and (f)
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text:
Reykjavik NightsBook - 2015 | First U.S. edition.
From the critics
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Having not known that this is prequel I would characterize this almost as a "cozy mystery" Scandinavian Noir compared to some of the others I've read. I did love the one character's obsession with American fast food and the need for a pizza joint in town.
Erlendur is a young cop going about his own business. In the course of his duties, he befriends a homeless man and, when he dies in a drowning, begins to investigate.
This book starts slow but as the story moves along, I realized that the reader is slowly getting to know how this man thinks and works. We're being introduced to a young man who hasn't quite found his path in life.
This appears to be a character-driven series. This sort of series gets better as it goes on. I'm looking forward to reading more of this series. This story may have been a bit slow but it was a good mystery, the people grew and the ending was satisfactory. A good start for a new series.
There is a lot of drinking and drunkenness in Reykjavik, if one is to believe this book. LOL!
Erlendur teases out the truth through obstinate perseverance. All the while he understates his interest, yet underneath his obsession bubbles and burns. Note: shelved at Seattle Public Library using first name, true for all Icelandic authors.
Erlendur is reminiscent of Michael Connelly's Harry Bosch who says "Everyone matters or no one matters".
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Sheraton Hotel Mission Valley San Diego
General Description Welcome to the Sheraton Mission Valley San Diego Hotel. Whether you're visiting on business or for fun, you'll enjoy our great amenities and services. Our hotel is just minutes from the San Diego Zoo, SeaWorld, the historic Gaslamp District and a variety of other attractions. Mission Valley's two premier shopping malls are nearby as well. Unwind over a sumptuous meal at Andres Restaurant or your favorite cocktail at Andres Bar. Or retreat to one of our 260 beautifully appointed, stunning guest rooms to rejuvenate. Spend your days relaxing by the pool or spa or working out in our state-of-the-art fitness center. Our conference facilities offers over 12,000 square feet of meeting space for your special event. Rediscover San Diego at the Sheraton Mission Valley San Diego Hotel. Special Condition Updated Transient Occupancy Tax We want to make you aware of a new assessment that will become effective January 1, 2008. Last month the San Diego Hotel and Motel Association members voted to approve a marketing assessment of 2% at all hotels in the city of San Diego with more than 70 guest rooms. The D Tourism Marketing District) fee will be posted on all guest room folios as additional assessment over and above the Transient Occupancy Tax (currently 10.565%).' Please contact the hotel for further information. Attractions Local Attractions: * Fashion Valley Mall - 1.0 mi/1.6 km * Mission Valley Mall - 1.0 mi/1.6 km * Old Town San Diego - 1.0 mi/1.6 km * Qualcomm Stadium - 2.0 mi/3.2 km * Balboa Park - 3.0 mi/4.8 km * San Diego Zoo - 3.0 mi/4.8 km * Gaslamp Quarter - 5.0 mi/8.1 km * San Diego Convention Center - 5.0 mi/8.1 km * SeaWorld - 5.0 mi/8.1 km * Seaport Village - 5.0 mi/8.1 km * Horton Plaza - 5.0 mi/8.1 km * San Diego Wild Animal Park - 30.0 mi/48.3 km * Legoland - 32.0 mi/51.5 km * Disneyland - 92.0 mi/148.1 km Local Corporate Offices: * UCSD Medical Center - 1.0 mi/1.6 km * Scripps Mercy Hospital - 1.0 mi/1.6 km * Marine Corps Recruiting Station - 3.0 mi/4.8 km * Sharp Rees Stealy Urgent Care - 3.0 mi/4.8 km * Mexican Consulate - 5.0 mi/8.1 km * North Island Naval Air Station - 6.0 mi/9.7 km * German Consulate - 9.0 mi/14.5 km * British Consulate - 9.0 mi/14.5 km * Camp Pendleton Marine Base - 40.0 mi/64.4 km
1433 Camino Del Rio South
San Diego
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Hotel Facilities
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text:
|Online Degree
|Instant Message
|Advertise Here
|Resumes & Jobs
|Online Education
|Study Abroad
Note that we do not use the prepositions 'at', 'in', or 'on' with time expressions.
One of my children wrote to me today..
So, you're coming back next week?
We often use time expressions with verbs in the present tense to talk about the future.
The plane leaves tomorrow morning.
They're coming next week.
2. We can use prepositional phrases as adverbials of time:
3. We use 'for' with verbs in any tense to say how long something continues to happen.
He is in Italy for a month..
I remained silent for a long time.
I will be in London for three months.
WARNING: We do not use 'during' to say how long something continues to happen. We cannot say 'I went there during three weeks'.
4. We use 'since' with a verb in the present perfect or past perfect tense to say when something started to happen.
Marilyn has lived in Paris since 1984..
I had eaten nothing since breakfast..
5. We can use many other prepositional phrases as adverbials of time. We use:


text: Kowhai is the Maori word for yellow. It thus gives its name to the yellow-flowered Kowhai tree – New Zealand's national flower. Sophora Microphyllais is the most common of the 8 species of NZ Kowhai and the tree - especially the bark and seeds - are poisonous. The tree flowers in a halo of yellow every spring and its flowers attract the kereru (wood pigeon) and the tui, which fly for miles to savour its nectar. According to Maori lore, the spring flowering marks the time for planting kumera (sweet potato); and in early times Maori used the hard durable wood for paddles and adzes; the bark for poultices to dress wounds and tumours; bark infusions for internal pains, bruises and broken limbs; and the wood ash to treat ringworm.


text:
On July 9, 2012 the Federal Finance Minister announced further changes to Canada's mortgage insurance rules. Four measures were announced:
- Amortizations reduced to 25 years (was 30 years)
- Refinancing limited to 80% (previously 85%)
- Properties purchased at over $1 million no longer eligible for mortgage insurance
- GDS and TDS set at 39% and 44%
CAAMP believes that Canadians understand the importance of paying down their mortgages. Analysts believe that these changes may precipitate the housing market downturn the government so desperately wants to avoid. The changes take effect July 9, 2012.
Additional information from the Department of Finance
Q. I already have an insured mortgage. How will these changes affect me?
A. Mortgage insurance is good for the life of the mortgage. Borrowers renewing their insured mortgages will not be affected by these changes. For example, if a borrower had a 30-year amortization and there are 27 years remaining on the mortgage, the mortgage can be renewed with a 27-year amortization, as long as no new funds are being added to the mortgage.
Q. What is required to qualify for an exception to the new parameters?
A. The new measures will apply as of July 9, 2012. Exceptions will be made to satisfy a binding purchase and sale, financing or refinancing agreement where a mortgage insurance application has been made before July 9, 2012. While the changes come into force on July 9, 2012, any mortgage insurance applications received after June 21, 2012 and before July 9, 2012 that do not conform to the measures announced today must be funded by December 31, 2012.
Q. Will a purchase and sale agreement dated prior to July 9, 2012 be considered binding if there are outstanding conditions that have not been fulfilled prior to July 9, 2012?
A. Yes, if the date on the purchase and sale agreement is earlier than July 9, 2012, and a mortgage insurance application has been made prior to that date, the new parameters will not apply, even if the conditions of the agreement have not been waived.
Q. Will the new refinancing rules allow a borrower with a mortgage above 80 per cent loan-to-value (LTV) to refinance by extending the amortization period?
A. No. Effective July 9, 2012, borrowers will not be permitted to refinance a mortgage above an 80 per cent LTV, unless the borrower has a binding refinance agreement dated prior to July 9, 2012, and a mortgage insurance agreement has been made prior to that date.
Q. I have a written mortgage pre-approval from a lender, dated before July 9, 2012 with a 30-year amortization. Will I still be eligible for a 30-year amortization if I don't sign an agreement of purchase and sale until July 9, 2012 or later?
A. No, a mortgage pre-approval without an agreement of purchase and sale is not sufficient to qualify for a 30-year amortization. You may have a 30-year amortization only if your agreement of purchase and sale is dated before July 9, 2012 and you have made a mortgage insurance application before July 9, 2012. You may wish to discuss with your lender to revise your mortgage pre-approval using the new parameters announced today.
Q. Will the new parameters apply to assignment ("switch" or transfer) of a previously insured loan from one approved lender to another?
A. No. As long as the loan amount and amortization period are not increased, the new parameters will not apply to a switch/transfer/assignment of the mortgage to a different lender.
Q. If I sell my current home and buy another, will the new parameters apply if I transfer the outstanding balance of my insured mortgage to the new home?
A. As long as the outstanding balance of the insured loan, the LTV ratio and the remainder of the amortization period are not increased, the new parameters will not apply when the mortgage insurance is transferred from one home to another.
Q. What if I need to increase the amount of my insured loan when I sell my current home and buy another?
A. In this situation, the new parameters will apply for any insured loan
Q. If I bought a condo that is not expected to be built for another two years, will the new parameters apply?
A. If you bought a condo and have made a mortgage insurance application on or before June 21, then the new parameters would not apply.
If you buy a condo and make a mortgage insurance application after June 21, the new parameters will apply if the mortgage loan is not funded by December 31, 2012.


text:
Sub-terahertz planar Gunn diode
Speaker: Mohamedismaeel Maricar, George Green Institute
Title: Sub-terahertz planar Gunn diode
Abstract: In this talk I will describe the design of a planar Gunn diode with a novel integrated circuit configuration to extract the 2nd harmonic. This will potentially enhance the Gunn diode as a high frequency source towards frequencies in excess of 600 GHz. The RF performance from the above integrated circuit was achieved by design and simulation of radial and diamond stub resonators, which were used to short the fundamental oscillation frequency while allowing the second harmonic frequency to pass through to the load. The diamond stub resonator is a new configuration offering a number of advantages which include a higher loaded quality factor and occupies 55% less chip area than a comparable radial stub resonator. The designed novel circuits with integrated planar Gunn diode were fabricated using microwave monolithic integrated circuits (MMIC) technology. Full DC and microwave characterisation of the diodes and integrated circuits with diodes was carried out using a semiconductor analyser, network analyser (10 MHz to 325GHz) and spectrum analyser (10 MHz to 125GHz). Both GaAs and InP based Gunn diodes were characterised and RF characterisation work showed that higher fundamental frequencies could be obtained from Gunn diodes fabricated on InGaAs on a lattice matched InP substrate. Planar Gunn diodes with an anode to cathode spacing of 4 microns giving a fundamental frequency of oscillation of 60 GHz were fabricated as an integrated circuit with coplanar waveguide (CPW) circuit elements to extract the second harmonic. A second harmonic frequency of 120 GHz with an RF output power of -14.11 dBm was extracted with very good fundamental frequency suppression. To the authors knowledge this was the first time second harmonic frequencies have been extracted from a planar Gunn diode technology. Aluminium gallium arsenide (AlGaAs) planar Gunn diodes were also designed with an integrated series inductor to match the diode at the fundamental frequency to obtain higher RF output powers. Devices with a 1 micron anode to cathode separation gave the highest fundamental oscillation frequency of 121 GHz the highest reported for a GaAs based Gunn diode and with an RF output power of -9 dBm. These circuits will have potential applications in secure communications, terahertz imaging etc.