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View your 'My Cape Town' collection through newly added navigational item.
Mint at the Taj Cape Town
Tempt your taste buds for breakfast, lunch or dinner at Mint, Taj Cape Town's all-day dining restaurant. Mint serves up a delicious range of both international and local fare in a bistro-style setting. Conveniently central, Mint is a popular destination for business lunches, dinners, functions and celebrations.
Mint, and the rest of the Taj Hotel, is housed in Cape Town's old Reserve Bank building, giving it an undeniably historic and romantic setting. Though it may fill three-levels, Mint is an intimate restaurant that pours out onto St Georges Mall where visitors can enjoy some al fresco dining in the beautiful Mother City.
Mint boasts an exquisite open-plan show kitchen where guests can witness their food being freshly prepared. The menu is modest yet widely diverse, and the Bombay tiffin (Indian tasting platter) and lamb chops come highly recommended.
- The Cape Town Taj Hotel's all-day dining restaurant
- Mint serves a delicious range of international and local fare
- Centrally located in the old Reserve Bank building
- Open for breakfast, lunch and dinner
- Recommended dishes include the Bombay Tiffin and lamb chops
Download the MINT-Dinner-Menu-Aug-2015
Mint at the Taj Cape Town
- room 1 Wale Street, Cape Town, South Africa
- phone +27 (0) 21 819 2000
- email email@example.com
- desktop_mac http://tajcapetown.co.za/dining/mint-restaurant/


text: Logan Layman to Perform at the American Theater. Image | January 8, 2015January 7, 2015 | Adrin Snider Blues bass guitarist and singer Logan Layman of Williamsburg will be performing at the American Theater in Hampton. Layman is shown here at her home. (Rob Ostermaier) Share this:EmailTwitterFacebookGooglePinterestLike this:Like Loading... Related

subset: commoncrawl


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Technological innovation is taking place at unprecedented speed.
It is disrupting almost every industry in every country around the world. This is the fourth industrial revolution, where technological advancements like artificial intelligence and the "Internet of Things" mean that human and digital systems can interact more profoundly than ever before.
In all these innovation, the role of government is to define the social contract that regulates our lives. The need for regulation is real and it is an important responsibility of government but sometimes it has unintended consequences.
In South Africa, the state turns to be more reactive in implementing regulations and this has a tendency of stifling growth.
South Africa's large and sophisticated financial sector is accentuated by a small but growing financial technology (FinTech) industry, with two emerging FinTech hubs in Johannesburg and Cape Town.
According to Lesetja Kganyago, the Governor South African Reserve Bank, the mantra of FinTech is 'cheaper, faster, better, simpler, easier-to-access, and on-demand services delivered through a combination of mobile and online platforms.
"For the South African community, these real and practical considerations are important in order to deliver improved access to savings, credit, insurance, payment, and investment products and services. New and innovative ways of delivering these financial services can bring significant benefits to our citizens, many of whom remain unaware of how some of these may transform their lives," argues Kganyago.
But it seems South Africa's regulations are stifling the growth of the FinTech industry.
The Impact of the 4th Industrial Revolution on the South African Financial Services report by The Centre of Excellence in Financial Services, concludes that the country's current financial regulation has not created an enabling environment for FinTech development.
The report highlighted the fact that there is a lack of clarity and guidance on how FinTechs fit into existing regulation, which means South Africa's comprehensive regulatory environment is daunting for FinTech start-ups and generates significant compliance risk.
"As the pace of technological innovation in the fourth industrial revolution increases, the infusion of technology into financial services is presenting new risks to consumers and to the stability of the financial system," according to the research.
The research report added that regulators, therefore, have the difficult position of protecting the system from these risks while allowing innovation to drive the industry forward.
"While the regulatory approach taken thus far in South Africa has protected consumers, it has not focused on encouraging innovation within the sector. This represents a missed opportunity for South Africa as a thriving FinTech sector has the potential to contribute to employment, and improve access to a sophisticated suite of financial services among a broader set of consumers."
That said, there is hope that South African regulators may embrace FinTech innovators.
The report says that regulators in South Africa have already indicated interest in shifting to a more proactive regulatory stance.
However, the report warns that financial regulators can only do so much to "future proof" the industry against the changes the fourth industrial revolution brings.
"Much of how the transformation of production and consumption will play out rests on the state of the broader digital ecosystem. Policymakers should therefore consider investments in broad digital infrastructure and develop the skillsets required by employees in this new world of work. This will ensure broad access to digital innovations and keep the value creation from technological innovation in the country."
The report also says that Fintech innovators are also negatively impacted by South Africa's funding environment, which is not well suited to supporting high-risk start-ups. "FinTechs may struggle to attract international investment due to South Africa's lacklustre ratings against classic investment considerations," it concluded.
The findings are based on Genesis Analytics research that focussed on key players in the market, including financial institutions, innovators, regulators, and policymakers.
South African FinTechs have Failed to Disrupt, but there is Hope
Unlike other African countries, South African FinTechs are competing in a highly banked market with sophisticated banking infrastructure.
The report added that South Africa's FinTech industry is small and growing, but this growth is being impeded by several factors.
"The FinTech industry has therefore not been as disruptive to the structure of South Africa's financial market as has been seen in other countries, and much of the impact of digital disruption is being felt by incumbent financial institutions transforming their operations."
"The bulk of innovation has been concentrated in the payments space increasing the efficiencies of card and online payment channels."
With a few exceptions in the alternative lending space, much of the FinTech innovation thus far has originated from within banks or through bank/FinTech collaboration rather than through standalone FinTech businesses.
The research report concluded that this has resulted in the digital and Fintech innovation in South Africa largely catering to a niche, relatively affluent and financially-savvy consumer market.
"Not supporting financial innovation would be a missed opportunity for South Africa. A thriving local FinTech industry and innovative financial sector has the potential to contribute to employment and improve access to a sophisticated suite of financial services among a broader set of consumers."
Also read: SA's Top 10 FinTech Firms to Keep an Eye on


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Century 21 In Town Realty | Michael Wilcox Personal Real Estate Corporation
My Listings
807 1010 HOWE Street in Vancouver: Downtown VW Condo for sale in "FORTUNE HOUSE" (Vancouver West) : MLS®# R2089464
807 1010 HOWE Street Vancouver V6Z 1P5 : Downtown VW
SPARKLEY! This well laid out, BRIGHT east facing home is features 9'10 LOFTY CEILINGS, a good-sized balcony (BBQs allowed), huge CITY VIEW windows & a spacious, flowing living & dining area. Upgrades include an open kitchen w/SS appliances, newer cabinetry & granite countertops, white oak laminate flooring, fresh paint, roller blinds & an updated bathroom. 1010 Howe is centrally located steps to the shops & services of Granville, near transit, is PET & INVESTOR friendly, has a LARGE GYM, laundry on each floor, a caretaker & was converted to condos in 2006 (original build 1986). It is EXTREMELY WELL MAINTAINED w/a newer roof, hallways & elevators! The unit comes w/storage & parking. Open House July 16th/17th Sat/Sun 2-4
Listed by Royal LePage Sussex (Van)
Listing information last updated on July 15, 2016 at 12:25 AM (UTC)


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Periodontal disease is a progressive condition which leads to gum inflammation, the recession of bone and gum tissue, and tooth loss if left untreated. There are a variety of effective treatments and procedures available, including pocket irrigation, which can assist in treating the progression of the disease.
Pocket irrigation aims to cleanse plaque from the interdental (between teeth) and subgingival (under the gumline) regions of the mouth in order to prevent the colonization of harmful oral bacteria. This procedure is also used to deliver antibacterials to the subgingival areas.
Reasons for pocket irrigation
Pocket irrigation, which is also known as oral irrigation, is a versatile dental treatment used for several different preventative purposes. Pocket irrigation may be performed as part of a professional dental cleaning, or at home with a specially modified oral irrigator.
Here are the main ways in which pocket irrigation can be beneficial:
What does pocket irrigation treatment involve?
Pocket irrigation is generally performed in combination with other dental treatments; for example, as part of a professional dental cleaning or in combination with pocket reduction surgery.
In the case of a pocket reduction surgery, the tartar and subgingival plaque will be removed with special scaling and root planing instruments. When the pockets are free of debris, an antimicrobial agent may be applied using an oral irrigator. This will help reduce harmful oral bacteria which still remain in the pockets.
During a deep cleaning procedure, a pocket irrigator may be used after scaling and root planing to cleanse the pockets. Again, an antimicrobial agent may be applied to help reduce subgingival oral bacteria.
Pocket irrigation can be performed at home as part of the daily oral routine using a water jet or water pick. Flushing the interdental area with water is less harmful to soft tissue than dental floss, but should not be used as a substitute for professional dental cleaning.
If you have any questions about pocket irrigation and periodontal disease, please ask Dr. Ko.
"Dr. Ko and his incredible staff are the reason that I haven't switched dentisits since 2002. He and his team are so good, that I have commuted from Santa Cruz, and now Sacramento for all of my appointments. I am very particular about my oral health and have dealt with many dentists. None of whom can match Dr. Ko and his teams' personality, skill and care. They actually make going to the dentist something to anticipate with a smile."
Scott G., Sacramento
"When I was in to see Dr. Ko last week I was in the chair waiting for him to come in and I felt this incredible gratitude for the commitment to excellence that he lives by. I know that without a doubt I will get the best care possible. His office is outfitted with all of the latest technology, including digital x-ray. Any thing can be explained with ease, (and I usually ask questions). Dr. Ko is an excellent person with great skills, and I have recommended several of my friends over the years to his care. I hope and pray for his continued success."
Ralph M., San Ramon
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adversity, amazing journey, Birth of Jesus, bread from heaven, dialy walk, eternal perspective, Jesus, lord jesus christ, refining, The Savior, What does God Look Like
The coming of Jesus was never intended to be a secret. God told of his coming since the fall in the Garden. He told of it through the prophets, he told of it in the very stars. God wanted his people and the world to know he came to restore that which sin had taken away. From the angels singing to shepherds and the magi bringing gifts, The birth of the savior was a big deal. While many came to celebrate his life, there were those that wanted to see his end. That is why God prevented the wise men from returning to Herod and the Chief Priests.
The enemy used the very men that should have been Christ's entourage to seek his life. We forget in the Christmas story that Jesus was never really accepted among the religious men of his time. From his entry on they knew he would change the way we look at God. Such a fight should draw our attention to the importance of Christ's presence among us. Look closely at Jesus Life and what he held dear and then you will begin to understand God's very nature. Help me Lord to be like the angels, Shepherds and wise men and not the religious leaders that always seem to miss you because you do not fit their mold.
God Bless You
After Jesus was born in Bethlehem in Judea, during the time of King Herod, Magi[a] from the east came to Jerusalem 2 and asked, "Where is the one who has been born king of the Jews? We saw his star when it rose and have come to worship him."
3 When King Herod heard this he was disturbed, and all Jerusalem with him. 4 When he had called together all the people's chief priests and teachers of the law, he asked them where the Messiah was to be born. 5 "In Bethlehem in Judea," they replied, "for this is what the prophet has written:
6 "'But you, Bethlehem, in the land of Judah,
are by no means least among the rulers of Judah;
for out of you will come a ruler
who will shepherd my people Israel.'[b]"
7 Then Herod called the Magi secretly and found out from them the exact time the star had appeared. 8 He sent them to Bethlehem and said, "Go and search carefully for the child. As soon as you find him, report to me, so that I too may go and worship him."
9 After they had heard the king, they went on their way, and the star they had seen when it rose went ahead of them until it stopped over the place where the child was. 10 When they saw the star, they were overjoyed. 11 On coming to the house, they saw the child with his mother Mary, and they bowed down and worshiped him. Then they opened their treasures and presented him with gifts of gold, frankincense and myrrh. 12 And having been warned in a dream not to go back to Herod, they returned to their country by another route.


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Today a Herbert's Revenge statue was spotted at the mine! This statue is from the DS game, Herbert's Revenge, from the last mission when we used the statue to plug the overflowing geyser. Take a look:
What do you think? Leave a comment and let us know.
j0sh95, Team Paintboy Member
Filed under: club penguin |


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20 minutes
Facial Treatment Enhancements at Bella Luche
20 minutes
Dermaplanning is an unique exfoliation treatment which uses a small blade to lift the outer layer of dead skin cells and fine vellus hair, known as "peach fuzz" away from your face. An effective alternative to microdermabrasion and chemical peels due to its gentleness, Dermaplanning will give you smoother, softer and glowing skin. With this treatment, expect to be instantly be enamoured with your skin and become highly addicted to what's known by my clientele as the "wow" exfoliation!Schedule Your Appointment!
15 minutes
LED Light Therapy
In just minutes added to your facial treatment can reduce the appearance of fine lines and wrinkles, while experiencing an improvement in skin texture, quality and smoothness. Using wavelengths that are scientifically proven to stimulate healing, collagen production and skin brightening, low-level light therapy is a relaxing, effective and easy way to achieve a healthy, youthful glow in a natural, non-toxic, non-invasive manner.Schedule Your Appointment!
Collagen Mask Therapy
For additional anti aging benefits of tensing, toning and skin rejuvenation this mask can be added to any facial or microneedling treatment.Schedule Your Appointment!
Intensive Eye Treatment
Immediately reduce signs of eye area fatigue during your next facial treatment. Using a biocellulose structure to deliver extracts of caffeine, anti-puffiness peptides and hyaluronic acid, wrinkles, puffiness and dark circles are diminished for a visibly rested look.Schedule Your Appointment!
$20 – 25
Brows and Lashes The 5-minute Eye Lift!
- Brow Shaping – $20
- Brow Tinting – $15
- Lash Tinting – $25
Complimentary Consultation
At Bella Luche Skin Care a complimentary consultation is offered prior to skin care treatments and any product choices, helping to ease your mind and empower you to make educated decisions.
Skin Care Treatments
The following skin care treatments are available at Bella Luche:
- Customized Clinical Facial
- Biologique Recherche Facial Treatments
- Le Soin Lissant
- Lift CVS
- Masque Aux Acides de Fruites
- Masque Exfoliant P50 Visage
- Microneedling


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Super soft and adorable, the Cuddly Teddy Hot Water Bottle For Children is sure to become a favourite 'friend'. The plush teddy has a cosy and warm tummy that helps to soothe away aches and pains. With paws outstretched, he also offers a snuggly, comforting hug. The Cuddly Teddy Hot Water Bottle For Children features a removable 0.8 litre hot water bottle, for keeping warm when it's cold outside. The teddy makes a great bedtime companion, and is also ideal for cuddling up on the sofa. Teddy's sweet expression will also encourage young children to invite him to join in during playtime fun.
The practical and versatile Cuddly Teddy Hot Water Bottle For Children is an ideal gift for children of any age. Use the hot water bottle at bedtime, during duvet lounging on the sofa, and when travelling. This comforting cuddly pal has a super warm tummy and will make any child smile!


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Anti-Bullying Play I'M SORRY Plays MITF in NYC, Now thru 2/22
Debbie Lannen of Wolverine Lake, MI has always felt strongly about treating other people with respect. With that in mind she has decided to bring a much needed message to the Mid Winter Madness Festival in NYC. Her new anti bullying play, "I'm Sorry" centers around the idea of what life would be like if we learned not to do the things that make us have a reason to say "I'm sorry".
Ms. Lannen submitted her new script to John Chatterton, producer of the Mid Winter Madness Festival in NYC. He felt immediately that it was a play worthy of a spot in the festival. That is where the risk started to take shape. Ms. Lannen needed to decide whether to cast her play in NYC or in Metro Detroit (specifically the Lakes area of which she is a long time resident). She also had to decide whether to use professional actors, or real life students who live this nightmare of bullying every day. Not one to be afraid of a risk, she chose the latter.
Auditions were held at Walled Lake Northern High School and students and adult actors from all over Metro Detroit came to try and gain a spot in this groundbreaking project. Ultimately, 18 were chosen. The cast includes: 2 professional actors (including Ms. Lannen's husband, Joe Lannen), 9 high school students, 3 college actors, and 4 senior actors from Ms. Lannen's senior theatre troupe, the Spotlight Still Got It Players. Joe Lannen is a drama director and special education teacher at Walled Lake Norther High School. A first read through was completed and suggestions were given by the students as to real life bullying incidents they had experienced. The play is an ensemble presentation featuring scenarios from preschool - high school.
At this time, Ms. Lannen is making rewrites to her original script and rehearsals will continue until the week of Feb. 18. "I'm Sorry" is scheduled for 3 performances: Thurs. Feb. 20 - 7pm, Fri. Feb. 21 - 8:30pm, and Sat. Feb. 22 - 1:30pm at the Roy Arias Studios on 43rd and 8th in NYC. A local presentation is being planned previous to the casts departure for NYC.
Director, Debbie Lannen and her cast and supporters (32 in all) will begin their journey Feb. 18 as they board Amtrak for the trip to NYC. They will have one dress rehearsal opportunity in the theatre before their opening performance.
This will be the third of Ms. Lannen's plays to be featured in this type of festival in NYC. Her short subject play, "Priscilla the Precious" won audience favorite in John Chatterton's Short Play Lab in September 2013.
For information and to purchase tickets for the Mid Winter Madness Festival go to www.midtownfestival.org. More information on Debbie Lannen can be found at www.debbielannen.com, www.facebook.com/directordebbielannen or www.linkedin.com/in/debbielannen.


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Railroad Accident Investigation
Ex Parte No. 231
The PENNSYLVANIA RAILROAD COMPANY
Steelton PA
July 28, 1962
Interstate Commerce Commission
Ex Parte No. 231
Decided January 18, 1963
Accident at Steelton, Pennsylvania, on July 28, 1962, caused by insecure track.
Joseph I. Lewis and Edward Munce for the Pennsylvania Public Utility Commission.
A. S. Schroeder for the Pennsylvania Railroad Company
Henry L. Hilzinger and Francis J. Gafford for the Interstate Commerce Commission.
Charles J. Sludden, William H. Lotz and Charles H. Sample for the Brotherhood of Railroad Trainmen.
Michael Petresky and Herman B. Paul for the Brotherhood of Maintenance of Way Employees.
Harold A. Ross, J. M. Hines, Howard W. Paules, Maurice R. Logan, Jr. and W. B. Apeldorn for the Brotherhood of Locomotive Engineers.
Sol Hurwitz for parties of interest.
DIVISION 3, COMMISSIONERS HUTCHINSON, McPHERSON and GOFF
McPHERSON, Commissioner:
This is an investigation by the Commission on it own motion with respect to the accident on the line of the Pennsylvania Railroad Company at Steelton, Pennsylvania, on July 28, 1962, involving the derailment of a passenger train. The accident resulted in the death of 19 passengers, and injury of 95 passengers, 3 dining-car employees, 1 passenger representative, and 3 train-service employees. Hearing with representatives of the Pennsylvania Public Utility Commission participating, was held at Harrisburg, Pennsylvania, on August 20 and 21, 1962.
Location of Accident and Method of Operation
This accident occurred on that part of the Philadelphia Region of the Pennsylvania Railroad extending between Harrisburg and Philadelphia, PA, 103.7 miles. In the vicinity of the point of accident this is a double-track line over which trains moving with the current of traffic are operated by signal indications of an automatic block-signal system, supplemented by a cab-signal system. From the south the main tracks are designated as track No. 1 eastward passenger, and track No. 2 westward passenger. A catenary system is provided for electric propulsion of trains. Another double-track line, designated as the Columbus Branch, parallels tracks No. 1 and No. 2 on the north in the vicinity of the point of accident.
The derailment occurred in track No. 1 at Steelton, PA., at a point 3.7 miles east of the station at Harrisburg. In this vicinity the tracks are laid along the north shore of the Susquehanna River and track No. 1 is at a distance of about 78 feet north, and a height of 30 feet above, the shoreline. At he time of the accident that portion of the river near the shoreline was approximately 18 inches in depth. See Appendix I and the sketch at the front of this report for details concerning the structure of track No. 1 in the vicinity of the derailment.
Automatic signal 1014, governing eastbound movements on track No. 1, is located 3,135 feet west of the point of derailment.
The maximum authorized speed for passenger trains in the vicinity of the derailment is 75 miles per hour.
The derailment occurred about 4:07 p.m., Saturday, July 28, 1962. At this time the weather in the vicinity of Harrisburg and Steelton was cloudy, and the temperature was approximately 83 degrees F.
About 6:00 a.m. Monday, July 23, a track force, consisting of a general track foreman, 3 track foreman, 3 assistant track foreman, 45 trackmen and several units of maintenance-of-ways equipment, proceeded to a point approximately 1.7 miles east of the station at Harrisburg and began rehabilitating the structure of track No. 1 throughout a distance of about 3 miles eastward. This project necessitated raising the track out-of face, renewing the ties, and placing new ballast in conformity with the carrier's specifications for maintenance of track as shown in Appendix II. At completion of its work on Thursday, July 26, the track force had progressed 1.8 miles eastward on track No. 1 to a point approximately 2,277 feet east of signal 1014 and about 6:00 a.m. the following morning, it continued working eastward. About 2:00 p.m., at the completion of its work on Friday, the track force had progressed 1,794 feet farther eastward, and within this distance it had raised track No. 1 about 2 1/2 inches, placed new ballast, installed 504 new ties, and relined the track. After completing this work the track force departed for the weekend.
The train involved in the accident was Extra 4878 East, an eastbound passenger train being operated for an excursion to a baseball game at Philadephia. It consisted of electric locomotive 4878, 4 coaches, 1 diner-lounge car and 4 coaches, in that order. The cars were of all-steel construction and were equipped with tightlock couplers. All the passengers were in the last two cars. This train departed from the station at Harrisburg at 4:02 PM., Saturday, July 28, after the brakes had been tested and had been found to be functioning properly, and it then entered track No. 1 where it proceeded eastward at accelerating speed, passed signal 1014 which was indicating Proceed, and attained a speed of 72 miles per hour as it reached the area where the track force had worked on the previous day. About this time both enginemen simultaneously observed that track No. 1 was out of alinement at a distance of about 600 feet ahead, and the engineer immediately applied the brakes in emergency. The speed, however, was not materially reduced before the train reached the displaced portion of the track, and as the train was moving over the displaced track the front truck of the 5th car, and all trucks of the 6th to 9th cars, inclusive, became derailed at a point about 858 feet east of the point where the track force had commenced work on Friday. Separations occurred at both ends of the 7th car, and the front portion of train stopped with the rear end of the 6th car, 1,470 feet east of the point of derailment. The 5th car, which remained coupled to the 4th car, stopped upright on and in line with the structure of track No. 1. The 6th car, which remained coupled to the 5th car, stopped upright with the front end on the structure of track No. 1 and with the rear end on the south side of this track structure. The right side of the 6th car was extensively damaged, apparently as a result of contact with a pole of the catenary system. The 7th car derailed to the south, apparently struck a cantenary pole, and moved southward to the Susquehanna River, where it stopped upright in the river, adjacent to and in line with the shoreline, and with the front end 540 feet to the rear of the 6th car. The 8th and 9th cars, which were occupied by the passengers, overturned and stopped on their right sides in the shallow portion of the river immediately to the rear of, and in line with, the 7th car. The 5th car was slightly damaged, and the 6th to 9th cars, inclusive, were heavily damaged.
The engineer of Extra 4878 East estimated that the displaced portion of track No. 1 was somewhat less than 285 feet in length. According to his testimony this portion of the track was buckled in a weaving pattern up to a distance 3 feet northward. The fireman also testified that the track was displaced 2 1/2 to 3 feet northward. Both enginemen felt the locomotive lurch violently as it moved over the displaced track, and the conductor, who was in the 5th car, first became aware of something being wrong when the 5th car lurched violently as it moved over this portion of the track.
Examination of the train equipment after the accident occurred disclosed no evidence to indicated that a condition of the train caused or contributed to the cause of the accident.
Examination of track No. 1 after accident occurred disclosed that the track had buckled out of alinement eastward starting at a point about 850 feet east of the point where the track force had commenced work in Friday. The first mark of derailment was a flange mark on the gage side of the head of the south rail at a point 3,129 feet east of signal 1014. This mark extended a distance of 6 feet diagonally eastward across the head of the south rail to a point on the field side, and opposite this point a flange mark appeared on the ties approximately 9 inches south of the gage side of the north rail, indicating that a pair of wheels had become derailed to the south at this location. The flange mark on the ties extended diagonally eastward 47 feet to a point 19 inches south of the north rail, and throughout a distance of about 1,200 feet farther eastward the structure of track No. 1 was destroyed or damaged. Consequently, the extent to which the track had been buckled could not be determined. Examination of the track westward from the point of derailment to the point where the track force had commenced work on Friday, a distance of about 858 feet, disclosed that the rail joints were tight, and that of the 470 ties within this distance, 322 had been newly installed by the track force on Friday. No rail anchors were found applied adjacent to any of the new ties. Several ties in this area were found to be improperly spaced, and some spikes were found to be bent or improperly driven. The gage varied up to a maximum of 3/8 inch wide, and the cross levels at intervals of 19 feet 6 inches varied up to a maximum of 3/8 inch. Throughout a distance of 234 feet west of the point of derailment the track was out of alinement to maximums of 3 inches southward and 11 3/4 inches northward. The ballast throughout a distance of 858 feet west of the point of derailment was not up around the ends of the ties or between the ties in accordance with the carrier's specifications for maintenance of track.
According to testimony taken at the hearing, about 6:00 a.m. Monday, July 23, the track force proceeded to a point on track No. 1 about 1.7 miles east of the station at Harrisburg and began rehabilitating this track throughout a distance of approximately 3 miles eastward, a project which would take several days to complete and which necessitated raising the track, renewing the ties, placing new ballast, and relining the resurfacing of the track. To accomplish this work the track force was provided with an average of 8 carloads of new ballast per mile, new ties, and among other mechanically and manually operated equipment, 2 spike pullers, 1 power jack, 1 tie bed scarifier, 1 tie gandy, 1 rail lifter, 2 tie borers, 1 spike nipper, 1 ballast distributor, 1 tamping power jack, 1 power ballaster, 1 track liner and 1 nut runner. On Monday and on each of the following days through Friday, July 27, the day prior to the day of the accident, the track force worked from about 6:15 a.m. to 2:00 p.m., and during these hours that portion of track No. 1 between Harrisburg and Roy, 10.1 miles east of Harrisburg, was out of service by train order, except for work extra trains and switching movements. At the completion of work on each of these days a supervisor of the track force communicated by telephone with the train dispatcher and informed him that track No. 1 could be restored to service for normal operations until the track force returned to work. When the dispatcher received this information each day he annulled the train orders that placed track No. 1out of service, and then issued a slow order to the first train due to depart eastward from Harrisburg on track No. 1. This train, under the provisions of the slow order, was restricted from exceeding a speed of 40 miles per hour on track No. 1 in the area where the track force had worked that day. Following eastbound trains on track No. 1 were not issued any order or instructions which restricted their speed in the area involved to less than 75 miles per hour, the maximum authorized speed.
About 2:00 p.m. Friday, after the track force had worked on track No. 1 between points about 858 feet west and 936 feet east of the point of derailment, the train dispatcher was notified that track No. 1 between Harrisburg and Roy could be restored to service for normal operations until the track force returned to work on the following Monday, after which all the members of the track force departed from this area for the weekend. According to testimony of the general track foreman, before departing on Friday he observed that the new ballast placed on track No. 1 that day was not up around the ties sufficiently to conform with the carrier's specifications for maintenance of track. He stated, however, that he judged this portion of the track to be safe and secure for normal train movements until the track force returned to work on Monday, when finishing touches would be done, and that he had not taken any exceptions to the condition in which this portion of track was left for the weekend.
Soon after he was notified on Friday that track No. 1 between Harrisburg and Roy could be restored to service for normal operation until the following Monday, the train dispatcher annulled the train order that specified track No. 1 was out of service, and at 2:21 p.m. he transmitted train order No. 543 to No. 10, the first train due to depart eastward from Harrisburg on track No. 1. Under the provisions of this train order, No. 10, a first-class eastbound passenger train, was restricted from moving at a speed in excess of 40 miles per hour in the area where the track force had worked on Friday and throughout a distance of about 2 miles in approach there to. This train departed from Harrisburg at 3:11 p.m., Friday, July 27, proceeded eastward on track No. 1, and, soon afterward, passed the area where the track force had worked the same day. The members of the crew took no exceptions to the condition of the track in this area. Between 3:11 p.m., Friday, July 27, and 2:41 p.m., Saturday, July 28, 14 other passenger trains, and 4 freight trains, departed from Harrisburg and proceeded eastward on track No. 1 in the area where the track force had worked during the previous five days. No train order was issued to any of these trains to restrict the speed in this area. According to testimony taken at the hearing, apparently none of the members of crews of these noticed anything unusual while passing the area where the work had been performed on track No. 1, with the exception of the fireman of No. 10 of Saturday, July 28. This train, which departed from Harrisburg at 2:41 p.m., was the last train to move over track No. 1 in the vicinity of the derailment before the train involved in the accident. The fireman testified that as No. 10 was moving in the vicinity of the area where the track forces had worked on Friday he felt a rough condition of track, and that this condition was a more noticeable in the immediate vicinity of the point where the derailment occurred. He said however, that at the time he did not think this rough track condition was sufficiently serious to report to officials of the carrier. The engineer of this train said that he did not notice any unusual condition of track No. 1 in this area.
When repairs were made to track No. 1 after the accident, additional new ballast was placed on the track structure, the rail anchors that had been removed by the track force on Friday were replaced, and other work was performed to bring the track up to the standards prescribed by the carrier's specifications for maintenance of track.
At the time of the accident the temperature in the vicinity of Steelton and Harrisburg was 83 degrees. The examination of track No. 1 between the point where the track force commenced work on Friday and the point where the derailment occurred disclosed that insufficient ballast had been placed in this area to conform with the carrier's specifications, that approximately 50 percent of the rail anchors had been removed and had not been re-applied when new ties were installed, that the rail joints were tight, that several ties were improperly spaced, that some spikes were improperly driven, that the gage varied up to a maximum of 3/8 inch wide, and that the cross levels varied up to a maximum of 3/8 inch. No evidence of significant longitudinal movement of the rails through the anchor was observed. It is the testimony of the general track foreman that he judged the track to be safe and secure when that the track force completed its work on Friday and that he judged the track would remain secure until the track force returned on Monday for finishing touches in the area involved and further work eastward. From all indications, however, it is evident that the track was not in the condition that the general track foreman thought it to be. It is apparent that the high temperature on the day of the accident caused excessive compression as a result of longitudinal expansion due to heat, and that this compression caused the insufficiently anchored and ballasted portion of the track to buckle about midway in the area where the track force had worked on the previous day. The deflection of the track apparently increased as a result of braking forces exerted on the track structure while the train was closely approaching and moving over the displaced track, permitting a wheel on the north side of the train to drop inside the north rail and the general derailment to occur.
We find that:
1. The derailment was not caused by any defective condition of the train.
2. The portion of the track involved was insufficiently ballasted and anchored to secured the track.
3. The insecure track buckled prior to the time of the derailment due to excessive compression caused by expansion of rails.
4. The derailment was caused by insecure track.
By the Commission, Division 3.
HAROLD D. McCOY,
Description of Accident Area
From the west on track No. 1 there are, in succession, a 1 degree 00' curve to the left 1,457 feet, a tangent 2,289 feet, a 0 degree 22' curve to the left 2,139 feet, and a tangent 3,835 feet to the point of derailment and a considerable distance eastward. In this vicinity the grade is practically level.
The structure of track No. 1 consists of 131-pound rail, 39 feet in length, laid new in 1943 on an average of 22 treated ties to the rail length. It is fully tieplated with double-shoulder tieplated, spiked with two rail-holding and 2 plate-holding spikes per tie plate, and is provided with 6 O-hole, 36-inch joint bars. It is normally provided with and average of 8 rail anchors per rail. It is ballasted with stone to a depth of 30 inches below the bottoms of the ties.
The Carrier's Specifications for Construction and Maintenance of Track Reads in Part as Follows:
602: Spikes must be started vertically and square and driven straight. The shank of rail holding spikes must have full bearing against base of rail. The last few blows shall be given lightly so that the spike head will not be damaged. Spikes must be kept driven home, being careful not to overdrive full throated spikes.
701. Ballast is used to obtain:
(a) A uniform bearing for the ties.
(b) Resistance against lateral movement of the track to maintain uniform tie spacing.
(c) Distribution of the weight of trains by means of the ties over the maximum area of the roadbed.
* * *
(e) Reduction of vibration or ties and thereby present the loosening of tamping.
* * *
Filling Cross Section:
707. Clean, well compacted ballast must be placed around the ends of all ties up to not less than two-thirds of the height of the tie, as soon as the work which necessitates its removal is completed, to prevent deterioration and loosening of the tamping and resulting center bound track before ballast can be trimmed to standard cross section. In trimming to the standard cross section, ballast shall be level, lined and faced by mechanical means to greatest extent possible, leaving the minimum to be done by hand labor.
708. Without speed restrictions having been provided for, the track shall not be lifted to such a height, or stripped to such a depth, as to result in more than one half the thickness of the ties extending above the level of the ballast. As soon as practicable after the track has been lifted the ballast shall be filled in between the ties as shown on the standard plan.
* * *
(b) Ties shall be spaced a uniform distance center to center, disregarding the actual number of ties in each half rail length of track.
(c) For various prescribed numbers of ties per rail, the following spacing center to center of ties shall apply:
22 ties per 39-Ft. rail - - 21 1/4" center to center
106. Ties shall be kept properly spaced and square to the line of the rail. Ties shall respaced when there is a variance from correct spacing of 3 inches at joints and 5 inches at intermediate ties.
902. Whenever necessary to leave the main track in other than satisfactory condition for the passage of trains at authorized speed, provided full protection and notify the Superintendent Transportation by wire. Any track must be regarded as unsatisfactory for the passage of trains at authorized speed when any of the following conditions exist:
* * *
(e) Raising Track and Maintaining Cross Level:
When the line and surface has not been completed and the new track has not been ballasted in cribs and shoulders in accordance with paragraph 708 and the following limits are exceeded:
* * *
Difference in cross level at any two points less than 62 feet apart on curves between spirals and tangents:
* * *
Speed in Miles per Hour:
* * *
Over 70 - 1/2 inch
* * *
When progressing track raising skeletononizing and extraordinary lining work, track must be backfilled currently with ballast in accordance with paragraph 708.


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Empty clouds, leaking pipes and bucket showers
LAU demonstrates the potential of wastewater reuse at a time when not only depleted underground water, a lack of dams and mismanagement of resources have created a severe water deficit in Lebanon, but this year's low rainfall has also compounded the problem.
Despite our 16 rivers and many mountains, Lebanese residents this year have reverted to taking bucket showers or paying hefty additional bills to buy water as a result of the dire shortage that has left many homes dry for days on end. With this year's rainfall at less than 50 percent the annual average, the government has only been able to provide for half the daily consumption usually needed for the country's capital.
Another reason behind diminishing water supplies is the lack of snow that replenishes the country's streams. This was particularly evident on the slopes this year. "The Mzaar slopes were open for only two days this season, compared to almost 90 last year," Roland Sayegh, founder of SkiLeb.
He doesn't however believe that the threat is permanent. "We hear a lot of talk about the effects of climate change, but on the ground we usually enjoy cold snow-filled winters. This year is simply an exception."
LAU professor of microbiology and biotechnology Dr Fuad Hashwa is less optimistic. "We have to start thinking and acting seriously, as this may not be just an emergency situation but rather a developing trend possibly due to climate change."
At a recent briefing, Lebanon's agriculture minister, Akram Shehayeb, spoke about the country's diminishing underground water sources, wasted surface water and the possibility of desalination as a solution.
While desalination has been adopted in many oil-rich Gulf States, it is an unlikely solution to Lebanon's woes. The process requires huge amounts of energy, of which the country's residents already suffer a considerable shortage. "Lebanon should be the last country in the Middle East to resort to desalination," says Hashwa. "The problem here is not water scarcity but rather water mismanagement."
A report by the Beirut-based Arab Forum for Environment and Development concurs, noting that water efficiency in the country's agriculture sector, which uses 80 percent of the country's water supply, is only 40 percent.
While building more dams would enable Lebanon to trap and use more rainwater, an approach Shehayeb said would now be a top priority, minimizing use of scarce water resources can be achieved by the reuse of water such as that generated from showers and kitchen sinks. Known as 'grey water', it accounts for 70 percent of domestic wastewater.
LAU acknowledged the potential for wastewater reuse seven years ago with its first water treatment plant. "We are working toward a capacity of treating 210 cubic meters of grey water per day," says Georges Hamouche, LAU's assistant vice president for facilities management. "We are an educational institution working toward raising awareness among our students and in the country as a whole," he explains. The treated water is used for irrigation at the LAU campus in Byblos.
With demand for water expected to increase by 20 percent over the coming decade, urgent action is needed, now more than ever. Holding no punches, Shehayeb, who previously served as environment minister, said that "the need is certain" and warned that "drought will extend to desertification".
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The kale is considered as one of the healthiest foods. Green, white or purple, kales also have a decorative use. During the middle Ages, kale was one of the most common green vegetables in Europe. Rediscover this vegetable by adding it to simple recipes like Macaroni and Cheese or toast or try something new like Japanese-Style Boiled Kale Salad. Either way, you will love kale!
With its vitamin A, C and K, kale is considered to be a superfood, which means it is especially beneficial for health and well-being.


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Fishing News and Tide Chart
June 28, 2018
NOAA Fisheries Reminds Anglers of 83 Inch Minimum for Makos
Submitted by Dr. Ken Neill
The recreational minimum size limit for short-fin mako sharks is 83 inches fork length.
Fork length (FL) is the straight line measurement along the length of the shark from the tip of the upper jaw to the fork of the tail.
Last March, NOAA's National Marine Fisheries Service (NOAA Fisheries) announced an emergency interim final rule to adopt internationally recommended management measures in the Atlantic highly migratory species (HMS) fisheries. The emergency rule implemented management measures to address over fishing of North Atlantic short-fin mako sharks including a recreational minimum size limit of 83 inches fork length (FL). These measures were based on the International Commission for the Conservation of Atlantic Tunas (ICCAT) Standing Committee for Research and Statistics (SCRS) benchmark stock assessment for North Atlantic short-fin mako sharks, which found the stock to be over fished with over fishing occurring.
Who is affected?
Any recreational fishermen who possesses an HMS permit who catches or targets short-fin mako sharks. An HMS permit is required to pursue or harvest sharks in federal waters.
Any tournament that has a prize category for short-fin mako sharks.
What is the emergency recreational measure?
Recreational minimum size limit of 83 inches (210 cm) fork length (FL) for short-fin mako sharks.
The recommendation requires the release of all short-fin mako sharks in a manner that causes the least harm, while giving due consideration to the safety of crew members. Therefore, this emergency rule implements the following measures.
Fishermen that hold an HMS Angling or Charter/Headboat permits, and fishermen that hold Atlantic Tunas General category and Swordfish General Commercial permits when participating in a registered HMS tournament are encouraged to practice catch and release of all short-fin mako sharks.
Fishermen that hold the above permits may only land a short-fin mako shark (male or female) if the shark meets the following minimum size: 83 inches (210 cm) FL. Fork length means the straight line measurement along the length of the shark from the tip of the upper jaw to the fork of the tail.
Where can I find more information?
The emergency interim rule, Environmental Assessment, and related outreach materials are available on the HMS website.
This notice is a courtesy to Atlantic HMS fishery participants to help keep you informed about the fisheries. For further information on this emergency measure, contact the HMS Management Division at (301) 427-8503 or visit the HMS website.
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Pound Sterling
The Pound has spent the majority of Wednesday's session little moved at close to a two-month low against the Euro as the market's attention is focused upon tonight's policy statement from the US Federal Reserve. Sterling wasn't supported by the release of an improved Lloyds Business Barometer report which rose from 57 to 63 in October. The currency could see some support on Thursday if house price data shows that prices have continued to climb.
Currently the Pound is trading in the region of 1.1674 against the Euro and 1.6075 against the US Dollar.
US Dollar
The 'Greenback' has spent the majority of the session softer against the majority of its most traded peers as a number of data releases disappointed and as investors await the outcome of the Federal Reserve's two-day long policy meeting.
Currently the US Dollar is trading in the region of 0.6220 against the Pound and 0.7262 against the Euro.
The Euro
The Euro is trading higher against the US Dollar and Pound as the single currency found support ahead of the Federal Reserve's monthly policy announcement, amid expectations that the Fed will signal a delay in plans to reduce its stimulus program. The Euro also found support from news that Spain has officially exited recession and that Eurozone business confidence strengthened in October.
Currently the Euro is trading in the region of 0.8566 against the British Pound and 1.3770 against the US Dollar.
Australian Dollar
The 'Aussie' is trading higher against the Pound and US Dollar as investors increase their expectations that the US Federal Reserve will not announce any plans to begin tapering its $85 billion a month quantitative easing programme. Commodity and emerging market currencies are likely to benefit when the Fed ends its two day long policy meeting later in the session
Currently the Australian Dollar is trading in the region of 0.5904 against the Pound, 0.6892 against the Euro and 0.9491 against the US Dollar.
New Zealand Dollar
The 'Kiwi' initially fell to a four-week low against its peers before making a recovery to trade firmer. The weakness came after Moody's Investors Service said that it was considering stripping New Zealand of its top credit rating. The currency found support as investors turned their attention to the Federal Reserve's two-day long policy meeting which ends today.
Currently the New Zealand Dollar is trading in the region of 0.5133 against the Pound, 0.5992 against the Euro and 0.8251 against the US Dollar.
Canadian Dollar
The 'Loonie' rose from a two-month low against the US Dollar but softened against the Euro on expectations that the US Federal Reserve will announce that it will delay tapering its quantitative easing programme until next year.
Currently the Canadian Dollar is trading in the region of 0.5944 against the Pound, 0.6940 against the Euro and 0.9556 against the US Dollar.


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Police search for missing Murfreesboro teen
MURFREESBORO, Tenn. (WKRN) – The Rutherford County Sheriff's Office is searching for a 17-year-old who has not been seen since Thursday night.
Devin Bond was reported missing Friday morning after his 9-year-old brother discovered that he had put towels and pillows under his blanket to make it appear that he was still asleep.
Many of the teen's friends are out of town on spring break, and the others do not have any idea of where he might be.
According to the lead detective on the case, Randy Groce, Devin may have been in the area of Barfield Park on Veteran's Parkway Saturday.
K9 units were called in to help with the search.
If you have any information about Devin or if you see him, please contact the Rutherford County Sheriff's Office at 615-898-7770 or Detective Groce at 615-904-3049.
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text: Just because you don't don your finest Chanel suit for a bout of physical exertion on the water doesn't mean Karl Lagerfeld can't convince you to do so come spring. For the spring/summer 2012 campaign, models Joan Smalls and Saskia de Brauw hang tight on wood bars wearing cream Chanel suits with socks and sandals and manage to make it look so effortless. Of course being shot by the Kaiser himself means giving nothing but perfection for his lens. I'm digging the short hair and cropped jackets.


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"Here's to the crazy ones. The misfits. The rebels. The troublemakers. The round pegs in the square holes. The ones who see things differently. They're not fond of rules. And they have no respect for the status quo. You can quote them, disagree with them, glorify or vilify them. About the only thing you can't do is ignore them. Because they change things. They push the human race forward. And while some may see them as the crazy ones, we see genius. Because the people who are crazy enough to think they can change the world, are the ones who do."
-From Apple's Think Different advertising campaign
Why in the world would a website like Sattvic Planet glorify the lyrics from a television commercial of a powerful corporation? Over the past year on multiple occasions I have written about the destructive role that corporations play on the health of people and planet. I often write negatively of the pharmaceutical industry, genetic engineering companies such as Monsanto, junk food companies such as McDonalds, and extractive companies such as Exxon. Yet, this is the third time a quote related to Steve Jobs has appeared on Sattvic Planet in the past year. Jobs led Apple to become the most valuable corporation on the planet, and today everybody and their mother has an Apple product in their pocket. Apple has very much become a mainstream product, perhaps not to the extent of Microsoft or Coke, but they are in no way a part of the counter culture. The irony here is that the Think Different campaign of the late 90's appears to be born of the counter culture. In a society of mass conformists afraid of being different, the Think Different campaign is at least partly responsible for launching Apple to new levels of wealth and popularity.
Jack Kerouac?
A quick Google search reveals many people giving credit for the quote mentioned above to Kerouac. For a moment I believed it, as it seems like something he might say. Upon further searching I learned that an executive working for the advertising agency hired by Apple makes a detailed public claim as to being the author. I must admit, the quote is very inspirational to me, and I would be thrilled to learn that it was born from Jack Kerouac, an American writer from the Beat Generation. But it was not; instead the quote was born from corporate America, so should I dismiss it as yet another example of propaganda meant to promote mass consumerism? Life is rarely so black and white, and in this case the Think Different campaign is definitely a shade of grey that requires further inspection.
Steve Jobs?
Steve Jobs was born 60 years ago on February 24, 1955. While he may not be the author of the quote mentioned above, Jobs was clearly the driving force behind Apple and played an influential role in deciding what image would be presented to the public. Despite being the founder of the most valuable corporation in America, he was a product of the counter cultural movement that emerged in America during the 60s and 70s. Raised in the San Francisco bay area and having spent time in Portland, Oregon, and even India, Jobs was in no way your average CEO. To me he represents the power of human potential, and the ability to create something from nothing. Like Jobs, I was not born to wealthy parents, and I never graduated from Harvard, yet I am one "the people who are crazy enough to think they can change the world", this website is evidence of that. So, while Apple has transformed from being a rebel in the battle against giants like IBM, to the mainstream mass producer that they are today, some people choose to wear their logo like a designer purse. However, I prefer to view their products as powerful tools because ultimately that's all my computer is, a tool used to accomplish a task, and whether you use your tool to "push the human race forward", or to show "respect for the status quo", that is your decision to make.
Related Articles
Make your mark upon life – Steve Jobs quote
LSD made Steve Jobs "Think Different"


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Tamim is playing for Nottinghampshire for the first time and Shakib is playing for Worcestershire since last year. Shakib is playing consistently well with Worcestershire. He has been doing a great job with bowling this year though hardly getting runs with bat. At the other hard, this will be Tamim's 3rd match. He got out cheaply in the first match. But in the 2nd match against Yorkshire he came to his natural mood and made a blistering 47 in a quick time.
The match will be played in New Road on Shakib's home venue. They will play another match against each other on 15th of July on Tamim's home venue.
So, which cricketer are you with today? When you see, Shakib's bowling Tamim, what would you do? I hope, you will be praying for both as both are the pride of Bangladesh.
You can watch the live on TV today 5th of July, 2011 on Star Cricket from 10:40 PM.


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Among manufacturing sectors in Australia, food makers trail only behind the mining industry as the biggest spenders on energy.
The combination of inefficient energy spending and high usage becomes increasingly problematic when taking into account rising energy costs and insecurity of energy supplies.
So what can a food manufacturer do? Fortunately, advances in one of the most energy hungry processes – hot water heating – is providing a viable solution in the form of industrial heat pumps, with the ability to slash overall energy bills in a single equipment upgrade.
The following whitepaper will look at the energy requirements of hot water usage in the food manufacturing sector, the future of energy supplies and prices in Australia, and at how industrial heat pumps are helping food manufacturers decrease their energy bills, and increase competitiveness.


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I am currently working on my graduating thesis for Arizona State University. For my thesis I must find a better way for new authors to break into the fictional book market. I hope to discover this by contributing to the book community.
So my questionnaire is coming along. Already 50 submissions.
And let me say...I'm nerding out over this data. I'm looking at data that no one else in the industry has no clue about.
And I'm just some college student.
If you are a book blogger and want to help the book community please take my short questionnaire:
If this link does not work, simply visit my website at:


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Both flat open hands with palms facing down begin in front of the body and move up ending with both "s" hands.
These video files require that you have a free program called Quicktime installed on your computer. If you do not see the video on the left, please look at our technical help page for assistance.


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My New Writing Work
Now, I have all my ideas organized on paper and the whole plot worked out. Here is a short summary of what my story will be about it's a Romeo and Juliet inspired, and I'll probably post updates if I have more of the writing done!
"A young high school sweetheart and a loving childhood friend who long for each other get caught up in their own Shakespeare Tale as their two rival schools can't let go of their rouge past.
Ethan King has finally found his caring childhood friend, Violet Auborn, and plans not to let go of her ever again for the sake of his love for her; until rivalry comes back between his best friend and Violets cousin Tyler brew up trouble for everyone in the town.
Tyler's world revolves around his family and his loving cousin Violet and would do anything to protect and due justice after what almost happened to his twin brother, David and his suicidal attempt.
Suspense, trouble, and tense relationships circulate around Violet and Ethan, until they get things fixed and under control their fairytale life will never come to be. The towns childhood past is the only concern that leads everything back to the troubling present.
That is, until Ethan gets caught up in a deadly lie and loses himself to the world forever, burdening a grave mistake."
Tell me what you guys think, I may need to work on the summary a bit. Hugs and Candy! :)
9 comments:
Oooh I love the storyline! You should definitely write it so I can read it! :)ReplyDelete
Thanks haley! I hope i can write it soon to post :)Delete
Well this definitely sounds like a great storyline! I really hope you finish this story.ReplyDelete
The summary may be polished a little but it already convinced me to read that story :)
Where do you publish your stories (if you publish them somewhere online)? I'm using bookrix btw. :D
Greetings :DReplies
Thanks kimberly! I appreciate your feedback :) i dont really publish my stories anywhere, but i should check some out!Delete
Well, you got a reader here, just for the summary!ReplyDeleteReplies
! Thanks again! Im sooo sorry the comment was deleted on accident, curse myyself. But im glad your reading my posts! :)Delete
Lovely summary, hey, you got one reader here! Also I nominated you on the Liebster Blog award and I guess this could be an again but yeah I have.ReplyDelete
Sounds like a really great story! Just needs a little bit of polishing. Now I can go read Part One!!!ReplyDelete


text:
AMES, Iowa -- Once controversial, G-Nomes statues on the Iowa State University Molecular Biology Building are coming down.
However, they will be replaced.
Four terra-cotta statues erected when the building opened in 1992 caused some controversy over what is art, and what is not. Years later the fuss has died down. The 3,000-pound statues are crumbling, which is the reason they are being replaced.
The Minneapolis Artist, Andrew Leicester, who created the original statues, will create four new G-Nomes built from stainless steel, and painted, to look like the current statues.
University Museum's Director and Chief Curator, Lynette Pohlman said one of the new G-Nomes will be on display at the Iowa State University Booth at the Iowa State Fair.
In late August after the Fair, the old terra-cotta G-Nomes will come down and the new ones will be put in place.


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Taxation of international executives
Tax returns and compliance
Tax rates
Residence rules
Termination of residence
Economic employer approach
Types of taxable compensation
Tax-exempt income
Expatriate concessions
Salary earned from working abroad
Taxation of investment income and capital gains
Additional capital gains tax (CGT) issues and exceptions
General deductions from income
Tax reimbursement methods
Calculation of estimates/prepayments/withholding
Relief for foreign taxes
General tax credits
Sample tax calculation
All income tax information is based on the Singapore Income Tax Act (chapter 134) and the prevailing practices of the Inland Revenue Authority of Singapore.
When are tax returns due? That is, what is the tax return due date?
15 April.
What is the tax year-end?
31 December. The Singapore tax year runs from 1 January to 31 December annually. The tax charged for a particular Year of Assessment ("YA") is based on income accrued / derived in the calendar year preceding that YA.
What are the compliance requirements for tax returns in Singapore?
Individuals will receive a letter, tax return form (Form B/B1/M) or text message from the Inland Revenue Authority of Singapore (IRAS) in February / March of each year, requesting them to file their tax returns either electronically (from 1 March to 18 April) or via paper filing (by 15 April). Employment income details are generally submitted to the IRAS by employers electronically, so individuals who receive only employment income may also receive a letter or text message from the IRAS informing them that they have been selected for No Filing Service, whereupon they need not file a tax return unless they wish to do so to report additional sources of income or amend their personal relief claims.
Assessments are made by way of notices of assessment. The tax is normally due for payment within one month from the date of issue of the notice of assessment.
What are the current income tax rates for residents and non-residents in Singapore?
Income tax is calculated by applying a progressive tax rate schedule to chargeable income as follows.
Income tax table from the YAs 2017
|Taxable income bracket
|Total tax on income below bracket
|Tax rate on income in bracket
|From SGD
|To SGD
|No limit
A non-resident individual is generally subject to tax at flat rates, depending on the type of income. For employment income, tax is charged at a flat rate of 15% or at the resident rates, whichever is higher. Other income of a non-resident individual is generally taxed at 22% (at 20% prior to YA 2017) unless specifically exempt or subject to a reduced rate (such as, tax treaty).
For the purposes of taxation, how is an individual defined as a resident of Singapore?
An individual is regarded as resident in Singapore for a YA if, in the year preceding that YA, he/she resides in Singapore or is physically present or exercises an employment (other than as a director of a company) in Singapore for 183 days or more.
Under the three-year administrative concession, an individual will be considered a resident from the date of arrival in Singapore if his/her stay covers three consecutive YAs or more, notwithstanding that the183 days test may not have been met either in the first or final year of employment.
Under the two-year administrative concession, a foreign employee who exercises employment in Singapore for a continuous period of at least 183 days straddling two years would be treated as a resident of Singapore for both years.
Is there, a de minimus number of days rule when it comes to residency start and end date? For example, a taxpayer can't come back to the host country for more than 10 days after their assignment is over and they repatriate.
No. Whether an individual is a resident of Singapore will generally depend on the number of days he/she is physically present or exercises employment in Singapore. If the individual becomes a resident, he/she would be regarded as a resident for the entire year.
What if the assignee enters the country before their assignment begins?
An assignee may arrive in Singapore before the start of his/her assignment for several reasons such as searching for accommodation, making personal arrangements, and so on. Whether he/she will be treated as a resident of Singapore will generally depend on the number of days he/she is physically present or exercises employment in Singapore.
However, it is important to note that he/she is not permitted to engage in any form of business, profession, occupation or paid employment during this interim period, if he/she has not obtained a valid employment pass.
Are there any tax compliance requirements when leaving Singapore?
An employer is required to notify the IRAS if a non-citizen employee (including a Singapore Permanent Resident who is leaving Singapore permanently) ceases or is about to cease employment in Singapore. In addition, the employer is required to withhold all monies due to the employee for clearance of the employee's outstanding tax liability. The notification must be lodged no later than one month before the employee's cessation of the employment or date of departure from Singapore, whichever is earlier. The employer can only release the monies withheld to the employee upon receiving permission from the IRAS or until 30 days after notification of the employment cessation was made, whichever is earlier.
As an administrative concession, the deadline will be extended to 2 months after the date of cessation of employment in Singapore for employees who are covered under a tax equalization arrangement, or whose taxes are fully borne by employer. For short term business visitors, depending on whether they hold employment passes in Singapore, there are certain other concessions available in relation to tax clearance filing requirements.
Under the deemed exercise rule, the non-citizen employee is deemed to have derived a final gain in respect of unexercised stock options and/or unvested/restricted employee stock ownership plan shares when the employee ceases employment in Singapore. An exception would be if the employer is on tracking option, where the employer will track the income realization event to report to the IRAS.
What if the assignee comes back for a trip after residency has terminated?
If the assignee comes back for business purposes, any income attributable to his/her business presence may be subject to tax in Singapore, depending on his/her tax residency and the period of employment exercised. In determining the tax residency and period of employment exercised, the time spent in Singapore throughout the calendar year would be considered.
Do the immigration authorities in Singapore provide information to the local taxation authorities regarding when a person enters or leaves Singapore?
In general, the IRAS have the power to authorize any person to assist in the performance of any specific duty imposed by the Income Tax Act.
Will an assignee have a filing requirement in the host country after they leave the country and repatriate?
Generally, an non-citizen employee who has completed his/her tax clearance process with the filing of Form IR21 will generally not have a filing requirement in Singapore after he/she repatriates However, if he/she subsequently receives income that is related to his/her former Singapore assignment (such as, bonus that is paid after his/her departure) and not previously reported to the tax authorities, additional tax clearance is required.
Do the taxation authorities in Singapore adopt the economic employer approach1 to interpreting Article 15 of the OECD treaty? If no, are the taxation authorities in Singapore considering the adoption of this interpretation of economic employer in the future?
Based on the IRAS's current practice, the economic employer approach has not been adopted as of yet. There is no indication as to whether the IRAS would adopt this approach in the future.
Are there a de minimus number of days before the local taxation authorities will apply the economic employer approach? If yes, what is the de minimus number of days?
Not applicable. The IRAS has not adopted the economic employer approach.
What categories are subject to income tax in general situations?
Employment income or profits for employment services rendered in Singapore are taxable regardless of whom or where the employer may be or, to whom (or where) the employment income may be paid.
Typical items of an expatriate compensation package, such as the following, are taxable unless otherwise indicated.
There are a number of tax incentives given to employee equity-based remuneration plans that allow for deferral of taxation and partial tax exemption on gains from Employee Stock Option Plans or Employee Share Ownership Plans, provided certain conditions are met. The incentives are as follows:
The abovementioned ERIS schemes that provided for a partial tax exemption on gains have been phased out upon the expiration of the respective schemes:
Are there any areas of income that are exempt from taxation in Singapore? If so, please provide a general definition of these areas.
Interest income derived by any individual from deposits with an approved bank or a finance company licensed under the Finance Companies Act in Singapore, is exempt from tax.
Interest from debt securities and income from certain annuities, life insurance policies, distributions from certain collective investment schemes, fee or compensatory payments from securities lending or repurchase arrangements, derived from Singapore.
However, if the interest income is derived through a partnership in Singapore or is derived from the carrying on of a trade, business or profession, such income is taxable.
All overseas income remitted by individuals resident in Singapore is not taxable. However, this exemption does not apply if the foreign-sourced income was received through a partnership in Singapore.
An Avoidance of Double Taxation Agreement (DTA) between Singapore and another country serves to prevent double taxation of income earned in one country by a resident of the other country.
There is no capital gains tax in Singapore.
Are there any concessions made for expatriates in Singapore?
Concessions are available under the Not Ordinarily Resident (NOR) Taxpayer Scheme.
Is salary earned from working abroad taxed in Singapore? If so, how?
In Singapore, tax is payable on an individual's remuneration that is derived from Singapore employment irrespective of where the contract is made or the remuneration is paid. The term Singapore employment includes not only the exercise of employment in Singapore but also the exercise of employment outside Singapore where the services performed outside Singapore is considered an extension of the duties and responsibilities of his/her employment in Singapore.
On the other hand, where the individual is employed to perform services entirely outside Singapore (e.g. he/she is sent on an overseas assignment), the remuneration is not subject to Singapore income tax.
Are investment income and capital gains taxed in Singapore? If so, how?
Any interest income derived by any individual from the deposit of monies with an approved bank or a licensed finance company would be tax exempt. Any interest by any individual from debt securities derived is also exempt from tax.
Dividends paid by Singapore-resident companies would be taxed under the one-tier corporate taxation system and are exempt from tax in the hands of the shareholders.
The one-tier system is not applicable to co-operatives.
Rental income derived in respect of property located in Singapore is taxable.
An individual is required to declare the gross rental income for each property. This includes the rental of furniture and fittings, and service charges received from the tenant. The individual can only claim expenses incurred during the period of tenancy, including property tax, mortgage interest, fire insurance, repairs, and maintenance, and so on.
With effect from YA 2016, the individual may opt to claim the rental expense based on 15% of the gross rental income derived from the residential property on top of allowable interest expense, if any.
Foreign exchange gains and losses are neither taxable nor deductible.
Principal residence gains and losses are generally capital in nature and are neither taxable nor deductible respectively.
Capital losses are generally not tax-deductible.
Any capital gains or losses from the sale of personal use items are not taxable/deductible.
Gifts (cash and non-cash) from employers are taxable benefits-in-kind. However, under the administrative concession granted by the IRAS, gifts given on festive and special occasions which are not substantial in value (SGD200 or less per occasion) and generally available to all staff are not taxable.
Are there additional capital gains tax (CGT) issues in Singapore? If so, please discuss?
Capital gains are not taxable in Singapore unless the individual is regarded as a dealer or trader.
Are there capital gains tax exceptions in Singapore? If so, please discuss?
Capital gains are not taxable in Singapore unless the individual is regarded as a dealer or trader.
Capital gains are not taxable in Singapore unless the individual is regarded as a dealer or trader.
Capital gains are not taxable in Singapore unless the individual is regarded as a dealer or trader.
What are the general deductions from income allowed in Singapore?
Expenses are tax deductible only if they are wholly and exclusively incurred in the production of the income, are not capital in nature and their deduction is not prohibited by statute. In general, there are very few deductions that can be claimed against employment income.
Personal reliefs, given as deductions against income, are available to a resident individual depending on his/her personal circumstances in the year preceding the YA.
From YA 2018, the total amount of personal income tax reliefs which can be allowed is subject to a cap of $80,000 per YA.
Some of the personal reliefs applicable for the YA 2018 are summarized as follows.
|Earned income relief
|Under age 55
|Up to 1,000
|55 to age 59
|Up to 6,000
|Age 60 and above
|Up to 8,000
|Spouse relief
|Spouse living with or maintained by taxpayer and spouse's income is not more than SGD4,000
|Child relief
|Unmarried child and does not have income of more than SGD4,000
|Dependent parents relief
|Living with taxpayer in the same household (each parent)
|Not living with taxpayer in the same household (each parent)
|Dependent parents relief may be shared with other claimants provided no one else is claiming any other relief (except Grandparent Caregiver Relief) on the same dependent.
|Supplementary Retirement Scheme (SRS)
|Capped at 35,700 for foreigners from YA2017
A non-resident individual is not entitled to personal reliefs.
What are the tax reimbursement methods generally used by employers in Singapore?
In a tax equalization scheme, a hypothetical amount of home country tax is calculated on certain elements of compensation (that is, excluding assignment-related compensation). The employer withholds the hypothetical tax while paying the actual tax liabilities to the employee's home and host countries. At the end of the year, the final hypothetical tax liability is calculated and any under, or over-payment of hypothetical tax is paid by, or refunded to, the employee. Consequently, the executive who has been transferred is no better or worse off than before the assignment.
How are estimates/prepayments/withholding of tax handled in Singapore? For example, Pay-As-You-Earn (PAYE), Pay-As-You-Go (PAYG), and so on.
An expatriate employee's remuneration from Singapore employment is generally not subject to income tax withholding.
Not applicable.
Not applicable.
Not applicable.
Is there any Relief for Foreign Taxes in Singapore? For example, a foreign tax credit (FTC) system, double taxation treaties, and so on?
Where an employee suffered taxes in Singapore and in the foreign jurisdiction for the income received in respect of his/her services physically rendered in that jurisdiction, foreign tax credit (Double Tax Relief (for countries which have concluded Double Taxation Agreements (DTAs) with Singapore) or Unilateral Tax Credit (for countries that do not have DTAs with Singapore) may be granted, provided certain conditions are met.
What are the general tax credits that may be claimed in Singapore? Please list below.
This calculation assumes a married taxpayer resident in Singapore with two children whose three-year assignment begins 1 January 2015 and ends 31 December 2017. The taxpayer's base salary is USD100,000 and the calculation covers three years.
|Cost-of-living allowance
|Housing allowance
|Company car
|Moving expense reimbursement
|Home leave
|Education allowance
|Interest income from non-local sources
Exchange rate used for calculation: USD1.00 = SGD1.40.
Calculation of taxable income
|Days in Singapore during year
|Earned income subject to income tax
|Cost-of-living allowance
|Housing allowance
|Company car*
|Moving expense reimbursement
|Home leave (100%)
|Education allowance
|Total earned income
|Other income
|Total income
|Total taxable income
Calculation of tax liability
|Taxable income as above
|Singapore tax thereon
* Cost of company car (new car at point of purchase) = USD50,000; Assume: residual value = USD8,000; petrol/maintenance expenses paid by company; private mileage travelled = 10,000km. Taxable benefit = 3/7 x (50,000 - 8,000)/10 x 1.40 + (0.55 x 10,000) = SGD8,020.
** Inclusive of 20% tax rebate up to a maximum of SGD500, as announced by the Minister for Finance in the 2017 Budget speech on 20 February 2017.
1Certain tax authorities adopt an "economic employer" approach to interpreting Article 15 of the OECD model treaty which deals with the Dependent Services Article. In summary, this means that if an employee is assigned to work for an entity in the host country for a period of less than 183 days in the fiscal year (or, a calendar year of a 12-month period), the employee remains employed by the home country employer but the employee's salary and costs are recharged to the host entity, then the host country tax authority will treat the host entity as being the "economic employer" and therefore the employer for the purposes of interpreting Article 15. In this case, Article 15 relief would be denied and the employee would be subject to tax in the host country.
2Previously known as Entrepreneurial Employee Equity-Based Remuneration (EEEBR) Scheme.
3Previously known as Company Employee Equity-Based Remuneration (CEEBR) Scheme.
4Sample calculation generated by KPMG Services Pte Ltd and based on the Singapore Income Tax Act (chapter 134) and the prevailing practices of the Inland Revenue Authority of Singapore.
© 2019 KPMG Services Pte Ltd (Registration No. 200003956G), a Singapore incorporated company and a member firm of the KPMG network of independent member firms affiliated with KPMG International cooperative, KPMG International. All rights reserved.
KPMG International Cooperative ("KPMG International") is a Swiss entity. Member firms of the KPMG network of independent firms are affiliated with KPMG International. KPMG International provides no client services. No member firm has any authority to obligate or bind KPMG International or any other member firm vis-à-vis third parties, nor does KPMG International have any such authority to obligate or bind any member firm.


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Tips of Finding the Best Veterinary Service Provider
One thing that the people who are keeping pest in their homes should know is that dogs are different from other domestic pets that are always demanding in their way and dogs need more time attention more than the other domestic pets.
The next thing that you will do is to ensure that you take care of your dog for it to be in good health and also for the dog to feel comfortable in living in your home. Ensure that you take your dog to the veterinary service centre for its health, to be taken care of because this is the best place that you will need to go to when you want to take care of the health of your dog. When you consider the best veterinary service provider, then you will be lucky of having lot of benefits as much as the health of your dog is concerned so you should ensure that you go for nothing but the best.
When looking for the best veterinary service provider, then there are so many things that you need to have in mind which will help you in finding the best that will serve you well. There are people who will have problems in finding the best veterinary service provider, but you will not have to worry because the information below is to help you in getting the best that will offer you great services. When looking for a veterinary services, then you will have to consider the first important thing is the experience of the service provider, so you need to ask him what kind of experience he has just by asking him for how long he has been offering the services.
You will need to know the capability of the service provider when looking for the best veterinary services, and by this the only thing that you need to do is to ask him for the license. The best place for searching for the best veterinary service provider is by going online in search of the best and this case you will find a lot of them, advertising their various programs so you can make your comparison so you can choose one that will meet your desires.
The next thing that you will need to do is to ensure that you know how the veterinary service provider work and also know how to work with the best and when doing tins, you are just advised to ask them for their terms and condition to see and to read then you will know. It is important that you get one who will agree to be your service provider.


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Saturday, June 24, 2017
'The Magic Flute on the radio today'
I really wish I had something profound and original to write today on this 300th anniversary of the public debut in London of Freemasonry's first Grand Lodge of England, but I do not. (I had submitted a brief historical essay on the subject to the New York Times' Op-Ed Page, but to no avail.)
But here is some news from WQXR: the classical music radio station (formerly owned by the Times) will broadcast Mozart's Masonic opera The Magic Flute at 1 p.m. in its "Saturday at the Opera" series. This is the Lyric Opera of Chicago production.
Coincidence or international Masonic conspiracy? You decide!
Posted by Magpie Mind at 5:16 AM
Labels: Mozart, music, The Magic Flute, WQXR
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Introduction to Paleo - Melissa's Story/
**This page contains affiliate links meaning we earn a commission if you use those links. We only recommend brands we use and trust.**
By now, whether online, in the news, or from a friend (maybe even me!), you may have heard about the Paleo diet. At its core, it's a whole foods diet. If you're not familiar with it (and you're curious), just google it! I've found freedom from cravings and a decade of being overweight with this program, so I wanted to share my story to give you all some context. I plan to share the basics of the Paleo diet with you in the near future, so be looking for that!
The Whole30 Program is where I started learning and implementing Paleo last October. This is a more strict version of Paleo, which does not allow for even a small amount of unrefined sugars (think maple syrup and honey), or dairy, as some versions of Paleo do.
But the best part about the Paleo "Diet" (read: Lifestyle) is that since each person is different, each person can tolerate certain foods differently! That's why the Whole30 - to detox your system, then systematically reintroduce foods to see which ones you tolerate, and which you don't.
My personal journey to Paleo is long and winding. Here's the short(ish) version...
A few years ago I encountered some health problems. I was going through some personal things at the time, and, as a result, was constantly running to the doctor (stress, anyone?). The symptoms were diverse and most decidedly NOT medically based. Funny how stress wreaks havoc in the body!
Things improved slightly, but due to continued stress, I stopped eating. And when I say stopped, I mean one bite at each meal. I loved the weight loss, but even I knew that wasn't sustainable. Fortunately, as soon as my biggest stresser resolved itself (I found a job, in Michigan, in 2010), I started eating again. But the health problems continued. (During that period I also landed in the hospital with a kidney stone. Learned A LOT about what caffeine does to my body, let me tell you.)
Even after getting married the next year, my health problems persisted. It seemed my symptoms were constantly mutating into something new, something else I'd run to the doctor to diagnose, only to insist they give me antibiotics when they didn't find anything medically wrong - which would only clear up the symptoms for a short time before they'd come back! It was a frustrating, vicious cycle (not to mention the other problems all those antibiotics caused!)
Okay, this may not exactly be the short version...
So I went to see a doctor for a procedure that was supposed to help what they thought was happening. Let me tell you, that procedure was probably as painful as the kidney stone, and I blacked out for a few seconds. Following that procedure (of which the only relief was that they ruled out any cancer), my body started going crazy. Symptoms I'd never had before, in all different systems in my body. You ever feel like your body is attacking itself? Mine was in an all-out war.
And the only thing the medical community could offer me was a shrug of the shoulders, an apology, and more medication. And that's when I got mad. There had to be a solution. But I had no idea where to even look.
So I put up with the symptoms for a few years, trying to manage them the best way I knew how, basically avoiding the things I knew would cause pain or discomfort. Let me tell you, that's no way to live. But what other choice did I have?
Then in January of 2014, due to even more stress, this time at work (anyone see a pattern?), my body shut down. I'm still not sure what to call it, but it was probably akin to adrenal fatigue. I had NO energy - and when I mean "no" energy, I mean it took all of my energy to lift a piece of paper. It took every ounce of effort I had just to get out of the house in the morning to continue going back to my extremely stressful job that was making my health even worse. My brain was foggy, I couldn't remember anything, my chest, back, neck, shoulders, arms, even teeth...everything seemed to be hurting. I was back to the doctor three or four times in the following month, each time for them to say that nothing was wrong.
And can I just say, this was getting expensive.
Then I had a thought, which HAD to have been God: my neck and shoulders were hurting, so why not address that? Let's go to A CHIROPRACTOR. (Cue the heaven-opening angel music.)
We made an appointment, and my husband went with me. The doctor did one exam, then proceeded to tell me what all my symptoms were, before I even told him. My husband and I were just staring at each other, that half-dopey grin on our faces. FINALLY we were going to get some answers.
And after the first adjustment, my symptoms were GONE. Oh, my body was far from healed, but I cleaned my bathroom for the first time that weekend since I'd gotten sick. There were definitely some relapses, and I'm sure they got really sick of me there, but I was well on the road to recovery.
So I started asking the doctor about other ways to help my body heal. The chiropractic adjustments were great, but I knew my body needed all the help it could get. He suggested the Paleo diet in July, and I nodded, but secretly laughed it off. I'd heard about it before, and had done a little research, but I just couldn't see how it was practical in any way. (If only my future self would've visited me then.)
Then in September of 2014, my husband (courtesy of Instagram) started hearing about Whole30. It was a 30-day detox plan that helped reset your body and trained it to burn fat instead of sugar for energy. (And that had to help me lose weight, right? I was about to turn 30 and had a weight loss goal, so I figured the time was now...er...then... this is like that time travel paradox...)
So we ordered the book It Starts With Food by Dallas and Melissa Hartwig. And let me tell you, MY EYES WERE OPENED. (Cue angel music again, maybe with trumpets this time.) The book explains everything that food does inside your body, both good and bad. Then it gave a step-by-step, easy to follow 30-day plan to not only avoid all the bad foods, but also to enjoy all the good ones. And it even had recipe ideas in the back! Plus it lists ways to make your new way of eating (NOT diet) sustainable and manageable after the 30 days are up.
After a little discussion, we cleaned out the fridge, the pantry, and stocked up on healthy, whole foods and meats. Nothing processed, no sugar (and I mean NONE - except the occasional fruit), just whole meats, veggies, and fruits, with lots of healthy fats (more than you'd think!).
Long story short - after going through the reintroduction phase to get us into Thanksgiving, and *mostly* managing the holidays without incident, I jumped right back in. Due to all my health issues (and plentiful food intolerances, at least for now), I've been trying different variations on the same theme: AIP, low FODMAP, keto - it feels like I've tried them all, and with varying but always beneficial results.
And I did lose the weight, too.
Ahhhh. That was long, wasn't it? Sorry - you knew I was a writer, so you were warned.
All that to say this: everyone's journey is different and everyone's body is different. Paleo has worked for me, and has worked for so many others, so I encourage you to try it! I started by cutting out refined sugar and flour, and that helped me to see all the ways you DON'T need pasta and bread in your life. (But maybe the occasional donut, once your body has healed.)
It can be difficult at times, but I've become a MUCH better cook (I used to only buy foods in boxes that had instructions on them, because those were the only things I knew how to make). I've even made a few of my own completely-from-scratch recipes! And altered many more to suit my tastes.
And can I just tell you, the food is AMAZING. And that has little to do with my cooking ability, just the ingredients. (read: COCONUT OIL)
So if you're curious, buy a book, research online, ask us, or just try it! I feel amazing, my body has stopped fighting me (all those health issues were ALL related to systemic inflammation in my body, caused by the food I was eating), and I'm not overweight for the first time in a decade.
This website was created so that, no matter where you are on your own journey, we could help you find freedom from whatever's holding you back. We'd love to hear your stories (we all have them) and see all that you've accomplished so far.
If you feel like you haven't accomplished anything, let me assure you that you've accomplished more than you know. But your journey isn't over yet, just like mine isn't either. But I decided, back in January of 2015, that I would make the choice to make my health and diet a priority. I chose to make better choices for my health, and you can, too!
The choices we make daily determine our destination. [Tweet this]
So what choices will you make? Will they move your toward your goals or away from them?
What one choice can you make today that will take you one step closer to where you want to be?
P.S. If you want to know more about the Paleo diet, feel free to email me at firstname.lastname@example.com, or connect with me on our Instagram or Facebook pages. I'd love to help you get started!


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Dr Mike Williams from NIWA explains where the icebergs from Antarctica come from and how they were formed.
Icebergs come from either Antarctica or Greenland. Let's talk about Antarctica: they're made up of snow that's fallen onto Antarctica. And then as more snow falls onto that, that squashes the first snow and as snow gets squashed it gets turned into ice. The weight of all that ice makes the ice on the bottom start flowing towards the coasts, and then once it goes off the coasts it becomes part of big ice shelves. And we're talking really big: so for example the Ross ice shelf, which is the biggest ice shelf and the one that B15 came from, is roughly the size of France.
It spends several thousands of years going through that process of coming off Antarctica and into the ice shelves. And then we get fracture lines forming in the ice. These fractures start working the iceberg loose, and then they calve off the front. And icebergs calve in a whole variety of size, from small chunks the size of a car that pretty much disappear straight away, through to big icebergs like B15A which is as much as 200 kilometres long.
These big icebergs probably calve about once every 50 or 60 years. So it's a very natural process, and -- and there's, sort of, nothing alarming about a big iceberg calving.