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- Get custom pricing
- Buy using your company account
- Manage all your orders
Phone: 800-813-1514 press 2
Email: email@example.com
New Customer / User?Register Here
We manufacture and distribute fine chemicals and laboratory
products - with quality and delivery you can count on every time.
Meet a variety of weighing requirements with Spectrum's selection of weighting tables. Our stock of balance tables provide vibration-free stability, improved performance, and accuracy. Choose from a wide selection of models including the Satorius balance table which is completely made of cast stone providing excellent support; the Vibrasorb Vibration Damping mounts which help protect electromechanical and optical equipment from excessive wear caused by exposure to vibration, and more.
Spectrum specializes in providing the top weighing tables but if you do not see the product you require, just contact our chemical specialist at 800-772-8786. cGMP Certified Facilities and 45,000 chemicals - Trust Your Ingredients!


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Customer rank: +1
Have you ever wondered how magicians and snake charmers touch deadly cobras on the nose and NOT GET BITTEN? Well, it is not just nerve. It is a clever trick that few people know how it is done. Both Al Mann and Devin Knight have done this trick many times. Al Mann learned the secrets in India from street magicians and passed the information on to Devin Knight. Devin performed this trick when he was visiting China. Both Al Mann and Devin Knight improved upon the basic secret and made it even more reliable and safer.
No, the cobra is NOT drugged or had its mouth sewn shut. This secret works with cobras that still have their venom glands and those that had their venom glands removed.
This is the only book that gives you detailed step-by-step information on how this trick is done. Many magicians are surprised to learn that it is legal to own cobras in most states and countries. Most places do not even require any special permits. Devin even gives you the online sources to buy cobras (both with and without venom glands) and have them delivered for you to pick up at your closest airport.
Devin gives you up-to-date information on how to do this trick as safely as possible, although there can be danger if you are using a cobra that has not had its venom glands removed.
Even if you never do the trick, this eBook is worth reading for the knowledge contained within. The secret will fascinate you. Everything you need to know about how the trick is done is fully explained in this eBook.
The few magic books that even mention this trick gloss over it without revealing the REAL METHOD. This is the first book to reveal secrets normally only passed from father to son.
This is a must read for Al Mann fans, and covers the experiences of Al Mann who planned to put this trick into his stage act at one time.
BONUS EFFECT: ROD TO SNAKE - In the Bible and other religious writings, it tells about magicians who cast a rod on the ground and it changed to a snake. Was this just a story or is it possible to do it? The trick can actually be performed and is performed today by some street magicians in Egypt. This eBook give the real method used and even tells you what kind of snake you need and where to buy it. If you so desire, you can perform this trick today and create a sensation.
WARNING: This eBook is sold for educational and informational purposes only. The methods are practical and the same ones being used by magicians today. However, the author does not recommend you actually buy a cobra and perform these tricks. Unless you buy a cobra that has had its venom glands removed, you could get bitten and die. Buy the eBook and expand your magic knowledge by learning the REAL secrets behind these two amazing feats. If you choose to actually buy a snake and attempt these feats, you do so at your own risk.
Neither the author nor distributor of this eBook is responsible in the event of serious injury or death. Again you use this information at your own risk.
1st edition 2015, 30 pages.word count: 8345 which is equivalent to 33 standard pages of text
Reviewed by Tor Ravengael (confirmed purchase)★★★★★ Date Added: Tuesday 07 April, 2015Part of the method involved here is sickeningly cruel beyond belief. It involves causing injury and pain to the animal over and over over again. I'm not being dramatic. The book clearly describes it as "injury," and that's exactly what it is. It's just plain sadistic. Although the description states that the book is for educational and informational purposes only, he nonetheless tells you where you can buy a cobra, and the text is littered with phrases starting with "if you are going to..." and suggestions on what to feed your cobra. Yes, your cobra. The one that you didn't purchase and don't have because the book is for educational and informational purposes only. But if you do have a cobra, here's how you can repeatedly torture it.
Magic / [with Demo Video]
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The Plainfield Central High School Band can always use support in many different ways! The PCHS Band Boosters are a 501(c)(3) nonprofit organization and all gifts will be welcomed with a letter recognizing your donation that you may keep for tax purposes!
Sponsorship Levels
Membership, $15
Bronze, $40-$99 | Name printed in all Concert programs
Silver, $100-$249 | Above + 2 Marching Band Show Shirts
Gold, $250-$499 | Above + Family Admission to PICBF
Platinum, $500-$999 | Above + Family Admission to Banquet
Maestro, $1,000+ | Above + Name on Maestro plaque
Feed the Band
With the band putting in a lot of long days during camp and at competitions, we're always looking for ways to give our students a great meal that lets them perform their best! Every time we feed the band we need 180 meals to take care of our students, parents, and staff!
Anyone who feeds the band will be given a letter to honor their donation and will also receive a printed and digital picture of the Band spelling out your company name or making your company logo on the field!
Equipment Gifts
The band is always looking at purchasing new instruments and equipment that will enhance the experience we're able to offer! We're currently looking at purchasing marching euphoniums, sticks, mallets, drumheads, guard costumes, electronics, and more! If you would like to make an equipment gift to the band, please contact Mr. Vanderwall directly at firstname.lastname@example.com.


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So...three months have come and gone. A lot has occurred over the past three months. My business was closed, the kids were "remote" learning, my husband was working from home. Things changed. Life as we knew it...changed. It was hard. Social distancing. Face masks. We weren't allowed to see our folks, our friends. We sheltered… Continue reading After The Storm
We're NOT all in this together.
Not gonna lie - this is all starting to become a little too much. I guess I took for granted that I lived in a country based on freedom. I could come and go as I pleased. I could shop wherever I wanted, see whomever I wanted. I could walk down the aisles of a… Continue reading We're NOT all in this together.
Mr. Monk & the Coronavirus
Quick question because I honestly don't even know anymore. What day is it? What time is it? Um...Month? I feel like I'm in Vegas, but without the winnings, the nightlife, or all things exciting. This Coronacation kinda sucks. At first it wasn't bad. Sleeping in. Nice! Not having to pack backpacks and lunches, 5 days… Continue reading Mr. Monk & the Coronavirus
Unprecedented Times
It started with an overall sense of discomfort that my coffee wasn't being delivered on time. My 1-day shipping from Amazon was now a 7-day wait for my favorite Jamaican Me Crazy coffee. I didn't like it. Whenever I start to run low, I order a case - yes a case - and I know… Continue reading Unprecedented Times
Where We Are
I can't sleep. I try. I toss and turn. I wake. I close my eyes tight and pull the covers up over me, and I try. And I wake again. So here I am. Writing at 5:30 a.m. because it's the only thing that calms my mind when my mind is troubled. And it sure… Continue reading Where We Are
Cancer Hits Home
When I first opened my boutique, a woman came in with two little boys. They were running all throughout the store, in and out of clothing racks, and in between the "Don't touch anything" and "Come here right now!" she kept apologizing. As a mom of three kids, I get it. It's almost impossible to… Continue reading Cancer Hits Home
Making the Leap from Small Business to Chain Store…
Since opening my boutique 7 years ago, I've been compared to another local boutique just one town away. We both offer on-trend, women's fashions, jewelry & accessories. We both offer weekly online sales. Our stores have a similar laid-back vibe. On the surface, sure, we are similar. To the outsider looking in, sure. Over the… Continue reading Making the Leap from Small Business to Chain Store…
Parenting Fail #295
This is on me. I know it is. It's my bad. It started off as a great morning. 6 a.m. with the waking of the boys, making my way to the kitchen to pack lunches and serve breakfast. Typical. No big. Then it was time to wake the beast. My little. 6:30 a.m. She's not… Continue reading Parenting Fail #295
A Year of Mundane & Magic
I've been reading a lot of New Year's resolutions on Facebook, a lot of recaps of 2019 from my friends, family and virtual strangers. I've read about marriages, proposals, babies and new ventures that occurred in 2019 and the big question, with a child-like excitement, "What will 2020 bring?" But what if none of that… Continue reading A Year of Mundane & Magic
Enjoying Christmas Even After it's Gone.
So it's three days after Christmas. The excitement, the anticipation, the stress...it's all over. According to my Facebook memories, by this date every year, the decorations are already taken down, and there is no trace of Christmas left in the house. Goodbye red ribbons and bows, goodbye mantle garland, goodbye poinsettias. But not this year.… Continue reading Enjoying Christmas Even After it's Gone.


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Toronto Community Housing is currently working with tenants from the Lawrence Heights and Neptune communities to develop a revitalization plan that will deliver better housing and parks, improve community safety and create more social, recreational and economic opportunities for residents. There are five things all tenants should know about the revitalization.
GOOD HOUSING: Toronto Community Housing is committed to providing all tenants with housing in a good state of repair. To do this means that the homes in Lawrence Heights need to be replaced. How Toronto Community Housing can pay for these improvements is part of the plans being developed.
TENANTS' RIGHTS: All Lawrence Heights tenants have a right to live in one of the new units that are built as part of the revitalization. Rent will not change - it will continue to be based on your income. New homes will have the same number of bedrooms. There will be the same number of rental units, or more, than there are in the community today.
MINIMAL DISRUPTION: We know how important it is for many residents to stay in the community throughout the revitalization process. We are committed to making this happen. We have been working with residents to develop a plan that respects their interests. We will know for sure whether and how we'll be able to meet that goal once a final plan has been developed.
MORE THAN HOUSING: Revitalization is about more than replacing housing that is in poor repair. We're using the opportunity to improve parks, schools and transit and to increase local jobs, training and community services. As these changes happen, it will provide the community with more access to shops and services.
PLANNING TOGETHER FIRST: Toronto Community Housing is working with tenants living in Lawrence Heights to create a plan for revitalization. The plan must meet as many of the goals of the community and Toronto Community Housing as possible. Nothing will happen until the plan is completed. When work does begin it will be gradual, happening in several phases. All together, the revitalization process will take about 20 years.
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Suffering From A San Leandro Smoke Damage Removal Situation?
In case that you have experienced a fire within your house then you certainly possess several concerns about the way to proceed, the best ways to rebound, how to get past this.
Our company recommend you contact Water Damage Pros promptly.
We is able to guide you through the entire approach and explain to you precisely one by one exactly what you need to undertake to recuperate.
Yet, in order to instruct you even more with the procedure, you may wish to look at the important information listed below.
Call Water Damage Pros - San Leandro
(510) 500-9621
Managing Smoke Damage After A Fire - Getting Residue And Smoke Out
You could be antsy to cleanse your residence immediately after a fire, yet unless you make the effort in order to get expert pointers, you might possibly be wasting your energy and efforts or producing even more damage. When the fire is out, connect with your insurance agency immediately. She can provide tips on repair or replacing of effected items. If you rent, alert the owner so that both of you will be able to analyze the damages.
Your insurance broker might be able to suggest a professional fire restorer. Fire restorers will be able to supply pointers to defend against even more damages, help you identify whether objects may or may not be fixed up, and provide price quotes and services for extensively cleaning and deodorizing your residence. Their solutions may be expensive, on the other hand the charge could be substantially lower than the cost of removing and replacing damaged floors and furnishings .
You are able to get the names of fire restoration companies in the yellow pages of the phone directory under "Carpet and Upholstery Cleaners" or "Fire and Water Damage Restoration".
Avoiding Further Harm To Your Home
Even if you don't bring in a expert fire restorer, you will be able to reduce further damages by heeding these instructions.
Call Water Damage Pros - San Leandro
(510) 500-9621
Be certain you have consent coming from your fire marshal to safely go back in your house prior to doing so.
- Lay aluminum foil or plastic food wrap underneath furniture legs.
- Remove oriental rugs or other colored rugs from soggy wall-to-wall carpeting.
- Completely dry damp possessions as quickly as feasible. Take advantage of fans and dehumidifiers to dry out floor coverings and curtains. Unless completely dried out, carpets and floors directly below might be rapidly damaged past repair by mildew and mold.
- Cover up dry, clean items with plastic while restorations are in progress.
- Remove brass and copper possessions and clean these using brass or copper cleaner (smoke can inscribe brass or copper within 24 hours).
- Get the air circulating. Open house windows to ventilate locations. Install a fan to circularize air. Consider: if there has been sizable water harm and the climate is hot, you will quite likely want to keep the windows closed up and run a dehumidifier. In frigid weather, your home heating system is operating and the frosty air is going to normally assist remove the moisture. For this case, switch your heating system filter each day up until it shows absolutely no soot. : if there has been significant water damage and the weather condition is warm, you will quite likely want to keep the windows shut and run a dehumidifier. In winter weather, your heating system is functioning and the chilled air will usually assist take out the moisture. In this particular scenario, switch your heating system filter day-to-day till it shows absolutely no soot.
Clearing Away Soot From Household Textiles
Soot is oily and effortlessly stains carpetings, curtains and many other household textiles. Therefore you need to extract it before you try to clean or deodorise materials.
If possible, employ a qualified restorer to clear away soot with a commerical grade vacuum. You can remove some soot by holding a vaccum cleaner nozzle slightly above the surface area of the item if you don't plan to work with a qualified professional. Since the brushes tend to force soot into fabrics, do not use vacuum attachments or an upright vacuum.
Cover up carpets after clearing away the soot to try to keep other soot from being tracked in through clean-up.
Water Damage San Leandro
Cleaning Soot Stains From Wall SurfacesHave carpets cleaned twice both before and after repair services. Wet carpetings must definitely be dried out prior to cleanup.
Use a chemical sponge available for purchase at a cleaning supply store or other non-water-based cleaner to clean soot from walls
Paint thinner or rubbing alcohol may well work, but utilize with care because of toxicity and fumes. Use rubber gloves, open every one of the windows and put to use an electric fan to raise ventilation while doing the job.
Do not apply a water-based cleaner on plaster walls. They will most likely cause the stain to bleed into the wall.
Removing Smoke Odour Out Of The House
During a fire, smoke may seep into walls plus additional areas and drift with the help of household ducts, where it comes to be caught. Unless adequately wiped out, smoke odor returns every once in a while, particularly during warm or damp weather.
Check with qualified restorers about a procedure called "thermal fogging." This particular lukewarm chemical fog gets in your home and walls just as the fire did, subduing the smoke smell as it goes.
Consult with restorers with regards to smoke clearing from ducts. These professionals can use a chemical sealant to secure smoke once and for good to the surfaces of ducts because these regions, with their crevices and joints , can be hard to clean with standard vacuum-and-brush techniques.
Look into replacement of attic insulation. Insulation can retain odors.
Cleaning Up Furnishings & Clothing
Following deodorizing, it is time to clean household textiles. Take nonwashable clothing and drapes to a dry cleaner for conventional dry cleaning or a special cleaning process .
Scrub normal garments in hot water with a liquid cleaning soap. Numerous washings might be required.
Have carpets and rugs cleaned two times-- both prior to and right after restorations. Damp carpets must definitely be dried out prior to cleaning. In some cases, extraction of carpeting is required for thorough drying out and to save the wood flooring beneath.
Removing Smoke Odor From Textiles In Your Home
Smoke odour can remain in garments, upholstered home furniture, carpets and draperies unless they are suitably deodorised prior to clean-up. Well-qualified assistance is recommended.
Speak with professional fire restorers and/or dry cleaning experts pertaining to working with "counteractants," chemicals or additives that breakup smoke molecules to take away odours. The kind of counteractant required will differ with the sort of material consumed in the fire. Counteractants may be properly put on furniture, draperies and carpets .
Restorers also may provide them for laundering clothing.
Fire restoration companies and dry cleaners in certain cases use an ozone treatment to breakup smoke molecules and eliminate odors. Belongings are set under a tent when an ozone generator is functioning if the technique is performed in the residence .
The majority of household deodorizing disinfectants and sprays supply just short-lived alleviation. Likewise, deodorising sprays may have interaction with smoke smell and produce an extra smell.
In case you are not able to have clothes or similar textiles expertly treated, try some of the following approaches :
- One cup Lysol or household chlorine bleach and 1 gallon of water. Add garments, rinse using clean water and dry.
- Dissolve one cup of dishwashing detergent -the kind made use of in an automatic dishwasher- in one gallon of hot water.
- Fully submerse the items and allow them to soak all night in your washing machine or bath tub. Drain and launder as usual.
- When you have things that can be bleached, mix four to six tablespoons of trisodium phosphate (available from any hardware store).
Alternative Resources.
- FEMA- The Federal Emergency Management Agency.
- NIFR -The National Institute of Fire Restoration.
- American Red Cross.
- Your Local San Leandro Fire Department.


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For those Scots who are struggling with their finances, then a debt arrangement scheme (DAS) may help them pay off what they owe in a manageable way.
Indeed, for many people the repayment plan, which is backed by the Scottish government, offers a credible alternative to both the trust deed and bankruptcy, known as sequestration in Scotland.
While many of us find ourselves in debt, this is often down to circumstances that are beyond our control.
And, as many people who are struggling with debts will know, there are other issues such as ill-health and divorce that can occur because of someone's finances.
There's also the issue that when people are trying to deal with a life changing crisis, their growing debt situation will often take second place for things that need dealing with.
However, there are many Scots who will find themselves being made bankrupt when they could be eligible to repay what they owe under a debt arrangement scheme.
Repaying debts in a manageable way
The idea behind the DAS is to help ease the financial burden by repaying debts in a manageable way.
One of the big attractions for undertaking a debt arrangement scheme is that the debtor has ackknowledged they need help and by having a repayment plan they will be able to freeze their creditor's charges and demands.
There's also a boost in confidence because the person struggling with debt will know that they will repay what they owe in full.
For those who do not consider a debt arrangement scheme, or even a trust deed, then they may find themselves in a struggle to keep up with their debt repayments, facing increasing costs and still receive threatening letters from creditors.
Now the Scottish government is encouraging Scots to contemplate a DAS as their first option before thinking about insolvency since this route has more serious consequences.
Scots struggling with money
Another important point for Scots struggling with money to appreciate is that you are not alone.
For example, more than 2,239 debt repayment programmes were created under the scheme last year and more than 1,500 of them were completed.
Under the debt arrangement scheme, since 2010 the total amount repaid to creditors is £150 million.
If you live in Scotland and would like more help and advice about the debt arrangement scheme or indeed about any aspect of dealing with debts including a trust deed, then it's time to speak with the helpful team at Scotland's Trust Deed.
The debt advisers will be able to explain more about the pros and cons of the DAS as well as a trust deed.
The essential difference between these repayment schemes is that under the DAS the entire amount owed will be repaid while with a trust deed, the debtor will need to repay what they can afford with the remaining debt considered to be unaffordable and then written off.
Route a Scot takes to resolve their debts
However, whichever route a Scot takes to resolve their debts, they will be making a legal agreement between themselves and their lender to keep up with the repayments for the contract to remain valid.
There are also other potential debt solutions for those living in Scotland including debt write-off and consolidation, negotiating an informal settlement and undertaking a debt management plan.
The helpful team of debt advisers at Scotland's Trust Deed are available every day to speak with to discuss the potential solutions and they have helped lots of Scots already.


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Zach and I are going to the beach with Justin and Stephanie next week (yay) while Micah stays with his Mimi and Papa in Enterprise, AL. I have been running around all week getting ready. It's a job to go on vacation!
One thing I had to get before we left were some tennis shoes for Micah. He has a pair of frocs (what I call fake crocs) and another pair of sandals but no tennis shoes. We went to stride rite so I could get him measured correctly and since they had shoes on sale I bought him a pair. I wish wish wish I had a small camera to carry around in my bag at all times because the look on his face when the sales lady put those shoes on him was priceless. He was SO EXCITED! He just stared with this look of awe and kept saying shoos, shoos over and over. It was even cuter we he got down off the bench to practice walking in them. He stomped and kicked and walked all the time looking down to see what those new shoes were doing. I let him wear the new shoes out (mainly because the sandals he had on were a size and a half too small!! I felt so bad for his litle feet). He has been bragging about them ever since!!!
Friday, June 13, 2008
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Spontaneous protests broke out at several locations in Hong Kong Friday afternoon after the death in hospital of a student.
Chow Tsz-lok, also known as Alex Chow, 22, was found with serious head injuries five days ago, near the scene of a street battle between police and anti-government demonstrators, and had been in a coma since.
Police earlier told reporters that Chow fell from the third to the second story of a car park. Officers were in the car park at the time, but the police deny that Chow was pushed.
Although the circumstances remain unclear, the computer science undergraduate is nonetheless being regarded by protesters as having died as a result of injuries sustained during a demonstration—potentially the first such case in five months of increasingly violent unrest.
Within hours of his death on Friday morning, crowds of office workers began gathering in the financial district, occupying main thoroughfares and chanting "Hongkongers, take revenge!" Calls for protesters to take "blood for blood" circulated online.
Hundreds also rallied in different parts of the Kowloon peninsula and at the Hong Kong University of Science of and Technology (HKUST), where Chow was a student.
According to local media, HKUST's president, Wei Shyy, cut short a graduation ceremony Friday in order to visit Chow's family at hospital, and announced Chow's passing to the graduands present.
Hundreds of students later marched on his campus residence to demand he condemn alleged police brutality. Live news images showed his lodge heavily graffitied and windows broken. A canteen and a cafe were also reportedly ransacked and vandalized. The university urged students to "exercise restraint during this difficult moment."
Speaking at a vigil on campus, Rey, a 19-year-old business student, said: "The situation has really crossed the line of morality. This is not really about opposing political stances anymore. The police's use of excessive force has resulted in a tragedy, and there is no way we can accept this."
Hong Kong's embattled administration meanwhile issued a statement expressing "great sorrow and regret" over Chow's death, and extended sympathies to his family. It added that a police crime unit was investigating the case. Some legislators also held a minute's silence for Chow.
The young man's demise comes at a time of worsening political tensions in Hong Kong and is sure to galvanize anti-government protesters, who are demanding greater political freedom for the enclave—a British colony for 156 years before it was retroceded to China in 1997.
Two days ago, a conservative politician was stabbed and hospitalized while out campaigning in local elections. Three days before that, a pro-democracy district councilor was attacked and had part of his ear bitten off after a political row outside a shopping mall. In recent weeks, at least two other democracy campaigners have been attacked and hospitalized, and two teenagers shot by police with live rounds, both of whom survived.
Thousands have been injured and arrested since the protests began in June. The unrest has taken a heavy toll on Hong Kong's vital tourism and retail industries, pushing the territory into recession.
—With reporting by Abhishyant Kidangoor and Hillary Leung/Hong Kong
The post Protests Erupt in Hong Kong After Student's Death appeared first on TIME.


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Do I just want something to eat or do I want something like, this burger speaks to my soul?
- Carey M. Jordan
on why choosing the right designer is important
We Want To Be a Soul Speaking Burger
There are a lot of creative agencies out there--but it's our emphasis on smart strategy as the driver of the entire creative process that truly sets us apart. We focus on the WHY of each design. A pretty logo is great, but your brand cannot stop there if your businesses is going to succeed. We start with analysis, build a strategy, and then let the creative juices flow. The result? A bold, crisp, powerful brand identity that works and distinguishes you from your competition.
We do more than design, we invest in our community. We love giving back to the Lexington community by re-invigorating (or creating!) brand identities of Lexington businesses.
With over a decade in design experience, we aren't just your run of the mill, order-taking design shop. We'll be your guiding voice when it comes to your brand. We want to peek behind the curtain and get to know your business and your clientele in order to build something awesome together.
Chelsea really helped me with the emotional WHY behind why someone would use my services- I can now market more effectively to that why and sell more pieces and book more clients! Yesterday was worth EVERY penny- it was just a "wow" moment!
Ashley Lowe | Owner Heart of Gold Photography
I am so happy that I chose to work with her. She makes the process as easy as possible and we had several meetings along the way to make sure we were on the same page.
Bre Taulbee | Owner Bre Taulbee Photography
Chelsea is absolutely incredible to work with! She was so patient with my 1,000,000 questions, and did an incredible job on my new website design!
Hannah McNamara | Owner, Avenue D Photography
As small farm owners, the personal interaction and dedication to our logo was so special. We get compliments all the time! Highly recommend!
Victoria Robin | Owner, Robin Family Farm
Working with Birch & Lime has been a boom for our business. I would recommend her for any project - from event posters to a complete brand design.
Kore Donnelly | Co-Founder, Blue Stallion Brewing Co.
Ready to Chat?
Our email subscribers get first dibs on these limited spaces! Sign up for our newsletter and not only will you be the first one to hear about new freebies, classes, and subscriber only discounts, but you'll also get your FREE copy of our Branding Checklist of our TOP 5 things you need for a successful brand.


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We are Australia's only industry super fund dedicated to providing better retirement outcomes for higher education and research professionals
We have different products to suit your life stage: a range of super products to cover you in employment, and a suite of pension products for retirement
We work exclusively for you so our fees are among the most competitive you'll find.
Find out how you can nominate a beneficiary to receive your super.
Here are a few things to do now to get your super sorted
As one of Australia's largest super funds UniSuper offers a range of benefits
You can stay with UniSuper when you change jobs, even if you leave the higher education sector
UniSuper is on your campus to help you with information and general advice about your membership and our range of products
No matter your stage of life, we're here to help
Compare UniSuper with other super and pension funds
Extra super contributions could pay off over the long term.
Getting your super together is easy. Find out how to combine your other super accounts into UniSuper.
Find and combine any lost super with our Combine my super tool.
5 things you can do to help you grow your super.
We share our members' inspirational stories and provide resources to help you build your super.
Find out how you could benefit from sharing your super contributions with your spouse.
No matter whether you're close to retirement age or many years away, it pays to define what you're aiming for.
A lifetime cap will applies to the total amount of super that an individual can hold in the retirement phase tax free
All about our pensions' features and benefits
Important information about pensions
5 things you can do now to help you plan for retirement
Our financial advisers can help you with your financial goals no matter your financial situation or stage of life
Important information to help you manage your retirement savings effectively
Read about how to choose an investment strategy that suits your circumstances
Information to help you meet the financial challenges of life's unexpected surprises
Real-life members tell us about their life in retirement
Rest easy knowing you have a plan for the distribution of your assets when you're gone.
Find out more about home care and residential care, plus an overview on how to access care, how is it assessed and the cost.
Find out how our investment options have performed
Information about the fundamentals of investing
How to choose your investment options
There are a number of ways to monitor the progress of your investments, and adjust your portfolio if you need to.
We're responsible for investing and managing the retirement savings of all UniSuper members.
Guiding how we manage your retirement savings are our five core investment beliefs.
How we invest responsibly for our members
Find out what's happening in investment markets each month.
You don't have to be wealthy or close to retirement to benefit, and getting started is easier than you think.
We offer three levels of advice - General advice, Select advice and Comprehensive advice. See what type of advice is right for you.
Find out more about how advice works and what you can expect when you see a UniSuper adviser
Call or email us to find out how we can help you
We have experienced advisers servicing all capital cities and can provide face-to-face or phone consultations
Get expert answers to your superannuation and general finance questions from our qualified advisers.
These case studies are based on real—and typical— members' experiences with UniSuper's Advice service.
Learn about making the most of your UniSuper membership and super account by watching one of our videos
We have a range of live and on-demand webcasts available for members
Super Informed Radio - tune in to our latest podcasts
We run free super seminars for members and their family at more than 80 venues around Australia—both on and off university campuses
Learn more about the benefits of insuring through your super.
You may want to change your insurance cover while you're a member with us.
The Government's Protecting Your Super package aims to protect everyone's retirement savings from being eroded by insurance premiums unnecessarily.
We know that making a claim can be a daunting and overwhelming experience, that's why we're here to help you with every step of the process.
We strongly advocate for the adoption of the Insurance in Superannuation Voluntary Code of Practice, which aims to improve super insurance products and processes for our members.
Your 30 June 2020 statement is not far away. We anticipate most members' statements will be ready by mid-August.
With annual statements hitting inboxes and mailboxes soon, many members will find the news isn't as bad as they might've expected only a few months ago.
The following is a copy of our response to Market Forces, from Ian Martin and the UniSuper Board
Andrew will lead UniSuper's Risk and Assurance team, following 20 years working internationally with AXA, AIG (American Insurance Group) and Zurich in roles including Chief Risk Officer, Chief Auditor and Chief Compliance Officer.
As an investor in Rio Tinto, we're saddened to hear that the cultural site in Juukan Gorge has been destroyed.
We strongly recommend you consider using BPAY® over cheques because of the impact the COVID-19 pandemic is having on Australia Post's delivery timeframes.
We've been named Best Fund, Advice Services by leading ratings agency, Chant West. Since the advice award was first introduced in 2017, UniSuper has won it three out of four times.
We've had a rough ride lately but in investment terms, the outcome for our diversified portfolios may not be as bad as the headlines suggest. We remain in a strong position. And we're on the front foot, buying up.
We're seeing some encouraging signs but it's still too early to say we won't revisit market lows, writes Chief Investment Officer John Pearce.
An update from UniSuper's CEO, Kevin O'Sullivan, about our commitment to delivering long-term sustainable returns for our members.


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I was mesmerized watching Cecelia Beams's pink ballet slippers lyrically move from first position to second position as she taught ballet accompanied by a live pianist to people with Parkinson's. The ballet class helped me forget my own Parkinson's as I was transported into the romantic world of dance. The class led by Cecelia Beam, a gifted teacher and performer is must-do for people with Parkinson's disease.
Miserable with aching joints, weight gain and fatigue, I had been searching for what I could do to feel less pain from living with Parkinson's disease. After scheduling an appointment with a Kaiser physical therapist Keiko Kumar who prescribed exercise, I challenged myself to consult a great resource for Parkinson's exercise:
Stanford's PD Exercise Classes in Northern/Central California http://parkinsons.stanford.edu/exercise_classes.html. Their list of exercise classes gave me enough choices for a full itinerary.
The first class I signed up for was Dance for Parkinson's. The class turned out to be a show-stopper for pleasurable fitness. The free program, sponsored by Kaiser Permanente is at San Francisco Ballet's Chris Hellman Center for Dance. Participants need to commit to a full session which includes a blend of chair, bar, and floor exercises. Their upcoming season of classes starts in September 15, with 8-week sessions, held quarterly for people with Parkinson's. First-time attendees need to register in advance and attend an orientation by contacting Cecelia Beam, email@example.com at San Francisco Ballet, 415-865-6583.
Cecelia teaches ballet to adult students at the San Francisco Ballet School and for over 10 years she coordinated SF Ballet's Adult Education and Audience Engagement programs. She earned a master's degree in ballet at Indiana University and has taught adult ballet at universities and private schools including Mills College, Indiana University, and her own studio in the Oakland Hills.
Most recently, Cecelia received instructor training with the Dance for PD® program—a dance program developed by Mark Morris Dance Group and Brooklyn Parkinson Group. Dance for PD® offers dance classes for people with Parkinson's disease through their network of partners in more than 250 other communities in 24 countries.
Cecelia knew each of her students by name and greeted them individually as they arrived. The group of about 12 participants were ushered into a large mirrored exercise studio. The class was a committed, friendly bunch, loyal to dance, and their instructor Cecelia Beam. No dance training is necessary, and the class is manageable for most people who can walk and move unassisted.


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UNION, NJ — A billboard at the center of the township that became the center of a nationwide controversy has been taken down seemingly as suddenly as it went up.
For eight days, a billboard sporting a photo of President Trump and the phrase "Our Leader The Idiot" greeted motorists and pedestrians on the eastbound side of Morris Avenue between Rahway and Elmwood avenues.
It stoked emotions on social media and prompted hundreds to call the township.
Television news crews filmed segments near the site and tempers ran hot on New Jersey 101.5-FM radio.
Reporters from New York-based tabloids descended on the town and USA Today picked up on the story.
The attention became so intense, the township issued an official comment on social media and the committee passed a resolution to denounce it.
On the afternoon of Wednesday Aug. 29, the billboard was replaced with public service ad.
And now that the Trump Billboard, as it was simply known in town, is gone and residents such as Ronnie Giameo are eager to get back to life as normal.
"It's done," Giameo said. "I'm happy it's over with and we can put it behind us finally and just move forward."
The billboard, owned by Out Front Media, was paid for by Neil Harrison, a Bronx-based activist and filmmaker who was using the billboard to promote a documentary film.
Harrison, in an Aug. 31 phone interview, indicated the executives at Out Front Media seemed hesitant to post the billboard from the start. As it began to attract more and more attention, Harrison said they must have been receiving more and more calls. He said they stopped returning his calls after a few days, so he had a feeling Out Front Media would not allow him to renew the billboard for an additional month.
Harrison said the executives at Out Front Media called him on Aug. 29 to tell him the company was going to take the billboard down and refund him a prorated portion of the $1,000 he had paid them.
"My first reaction was, 'Guys, let's discuss this. You are using emotion here,'" Harrison said. "The gentleman (from Out Front Media) kept repeating the same thing: 'We've made our decision and case closed.' There was no discussion."
Two phone messages and an email sent to Out Front Media seeking comment were not returned.
The billboard was the topic of discussion, however, in the corridors of many of the municipal buildings, township spokeswoman Natalie Pineiro said. Hundreds of calls were coming in to office of public information and other departments. Many of the calls were from people out of the area, if not outside the state. When she arrived at work Monday, Aug. 27, Pineiro said she had 37 messages on her voicemail.
Although some callers supported the billboard and its message, most said they thought calling the president an idiot was inappropriate.
"I think it was mostly, it wasn't necessarily that someone was expressing their opinion or promoting a movie that was against Donald Trump," Pineiro said in an Aug. 31 phone interview. "I think it was mostly the language. We pride ourselves on having this really strong unity and no matter what we do we kind of respect each other. I really think that was the straw that broke the camel's back. It was seen as a lack of respect."
Pineiro said the controversy spilled over onto the township's official Facebook page, where Trump supporters were met with anti-Trump sentiment. Calls to show respect for the president and the office of the presidency were met by defenders of free speech.
Pineiro said people are free to express their views on the page, but the town's policy restricts the use of profanity, cyberbullying, harassment, personal attacks and name-calling.
"People are given a warning, like, 'Please edit your post or it will be removed,' and we had to remove quite a few," Pineiro said.
By Aug. 23, the township issued an official statement on its Facebook page that a "potentially offensive billboard has gone up on Morris Ave promoting a documentary about the president. We wanted to take this time to remind you all that while we take these matters very seriously, billboards are privately owned and as such the Township of Union has no authority or or role in approving what goes up on each of them."
Five days later, the Township Committee passed a resolution denouncing the billboard.
"The Township Committee prides itself on the Township's diversity and inclusion, and does not promote hate speech of any kind," Mayor Suzette Cavadas said reading from the resolution.
The following day, Pineiro forwarded a statement to LocalSource saying, "The resolution passed yesterday evening is a testament to the fact that this billboard does not represent the values of our residents, government or administration. We believe in the concepts of common decency and respect not matter who you are or what you believe in."
As the town was moving to distance itself from the billboard, Harrison was reveling in the attention it was receiving, saying his $1,000 investment was generating $1 million in publicity.
"I'm not shocked that made waves," Harrison said. "I'm not even shocked it went viral. It's pretty much nationwide and worldwide this point. Everybody has picked up on this story, which is great. I love it. I really knew it would make it."
Harrison, however, expressed remorse for the way the billboard adversely affected the township.
"Did I try to be divisive?" he said. "Did I try to break the town up? No. It wasn't my intention. and that's the only thing I would probably regret if anything."
Harrison and two other men brandishing signs promoting the movie appeared on the sideway in front of the billboard at various times last week.
Union Police Director Daniel Zieser said officers from the department were dispatched to the area three times because people were going into the road and trying to hand out pamphlets.
"They kept going into the street and people were complaining, 'Gee, I almost hit that guy. Send a car over there,'" Zieser said. "A couple of times (the police went over) just to tell them to stay on the sidewalk, stay out of the street, especially with traffic stopped for the traffic light down by Elmwood and Commerce there. They would step into the street and try to handout brochures or whatever you want to call them, or handbills. We had to tell them to get out of street and stay on the sidewalk. It was nothing. They complied."
Harrison acknowledged that he had hired two men to stand near the billboard with signs, but he said they were not the ones stepping into traffic.
Harrison said that he expected a backlash from the title of the documentary, which he hopes will be out by Christmas — called "Our Leader The Idiot", his "Christmas gift to President Trump."
What he didn't expect, however, was to get so many threats. Harrison, who listed his email address on the billboard, said he has not reported the threats to police.
"I'm a kid who grew up in the streets," he said. "If you tell someone you're going to do something, you're not going to do it. The guys that I have to worry about don't say a word. They just come at you. This is nothing new. That's part of being in the public eye and I'm not the only guy."
He described his film as a look back at the past two and a half years of the president's life.
"It will be the most entertaining presidential film that anyone has ever seen," Harrison said. "It's going to be bright, not all negative, but it's going to show the man the way I see the man from my point of view, which is what a lot of Americans do. He's a very manipulative kind of guy. He's a mastermind and that's what makes the man scary."


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Senior Advisors Wanted!
Looking to mentor and guide our senior scholars through the college application process? We are looking for volunteer advisors to work 1-on-1 with Y-Scholars. Share your experiences and tips.
Help our students navigate through the stressful seniors year! You will also get training on college admissions and ways to engage Y-Scholars.
Click here to learn more.
Click the button below to start your application:
For more information about the senior advisor volunteer position, please contact Jose Herrera at firstname.lastname@example.com.


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How to Rotate Items in "Prison Architect"by Jacob MichaelUpdated September 22, 2017
The game "Prison Architect" places the player in charge of creating and administrating a prison. While in the construction phase -- where you place building foundations, designate rooms and populate areas with appropriate objects -- you may accidentally place an object facing the wrong direction. Don't worry about mistakes like that eating into your prison's operating budget; your workmen can dismantle objects for you to re-place at no additional cost.
Right-click the object and select "Dismantle." Wait until the object is dismantled by a workman before moving onto the next step. If the object hasn't already been placed, skip this step.
Select the object from the appropriate menu.
Hover the cursor over the location you wish to place the object. Click the middle mouse button to rotate the object. You can also press the "R" key to rotate an object.
Click the left mouse button to place the object.
Pipes and electrical cables do not need to be rotated when placed since they automatically join to any adjacent pipe or cable.
Information in this article applies to Prison Architect Alpha 12. It may vary slightly or significantly with other versions or products.


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- roll over image to zoom
Love So Strong
Metal Wall Sculpture
Created by Barbara Gilhooly
The strength of love is represented as a three-dimensional metal heart. The soft organic form of the heart is juxtaposed with industrial materials. Handmade using repurposed vintage toy Erector construction set parts. Inspired by the city's steel girders and bridges. Can be added to an arrangement on a shelf or hung on the wall with a single nail.


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The unified messaging server ixi-UMS Enterprise version 6.70 is now available. A connector for all messaging systems and a voice mailbox for answering machines and mobile access – these are the main innovations.
"The individual components are now clearer," explains Bernd Kattner, Product Manager at estos. The new ixi-UMS mail server connector integrates the unified messaging software into all SMTP-based messaging systems, such as Microsoft Exchange or IBM Domino. Depending on requirements, it is available as single or multi-instance versions: The "Multi" variant is required if a company uses several – identical or different – messaging systems. Reasons for this could be, for example, decentralized locations, reliability or high availability.
"In addition, users no longer have to decide whether they only want to use an answering machine or setup via a homepage," adds Bernd Kattner. estos has combined the positions ixi-UMS Voice and ixi-UMS Mobile. The ixi-UMS voice mailbox provides users with all the same functions of the two previous features: An answering machine with individual greetings, delivery of messages to the usual e-mail inbox, monitoring by telephone or smartphone, browser-based configuration of the voice mailbox, various profiles such as office or outside of business hours, and access to all messages on the move by PC, telephone, tablet or smartphone.
ixi-UMS Enterprise is a modular unified messaging software for large companies and corporations with multiple locations. It supplements messaging systems with functions for fax, voice, SMS and mobile access to all messages.
More information can be found at www.estos.de/produkte/ixi-UMS/ixi-UMS-Enterprise


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James Richard Caddell, 56, of Franklin died Sunday, July 28, 2019 at his home after a long battle with ALS. He was the beloved husband of Margarita (Maldonado) Caddell for 18 ½ years.
Born in Norwood on March 13, 1963, he was the son of Joan (Savage) Caddell of Millville and the late Cecil Caddell.
Jim was a resident of Franklin for the past 9 years. He grew up in Millis and graduated from Millis High School, Class of 1981 where he excelled in many sports, especially football and track. He was recently inducted into the Millis Athletic Hall of Fame for his many accomplishments and achievements while playing football and running track.
Jim was a Certified Specialist of Wine working for M.S. Walker for many years.
He was an avid golfer and frequent winner of the "longest ball" competition.
In addition to his wife and mother, Jim is survived by his son Carl Caddell of South Carolina, his daughter Julia Caddell of Bellingham, his step-daughter Jessica Connolly of Franklin and his grandson Caden Connolly.
He is also survived by two brothers David Caddell of Tennessee and John Caddell of Millville, a sister Susan Hourihan of Florida and many nieces and nephews.
He was the step-father of the late Christopher Connolly.
His funeral services will be held privately at the request of his family.
In lieu of flowers, expressions of sympathy may be made in Jim's memory to the ALS Association - Massachusetts Chapter, 685 Canton St. Suite 103, Norwood, MA 02062.
Arrangements are under the care of the Ginley Crowley Funeral Home, 3 Barber Street in Medway (www.ginleyfuneralhomes.com).
Address: 258 Main Street
PO Box 421 Milford, MA 01757
Email: firstname.lastname@example.com
We offer an integrated, multi-platform program that combines the power and effectiveness of radio with the innovation and influence of the web. Click HERE to learn more.
by: amwebpro.com
2014 Copyright MyFM. All rights reserved.


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This Lent your Outreach Committee encourages you to support Monica Place – a registered charity that supports pregnant and parenting youth. Your donation will help young families that are motivated to move forward in their lives.
We welcome donations any time throughout Lent: $10 and $20 gift cards for stores including Walmart, Shoppers, Tim Hortons, Zehrs, Food Basics, Sobey's, Michaels


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a night you struggle to sleep,
it is not pain, it is suffering.
last remaining autumn day struggles to remain still
all those fallen leaves and bare trees,
reveal–time has come~ serene autumn days should go,
should fly away in a blink
such that when you wake up one random morning
autumn is suddenly gone
and, flying snow will flutter around
inevitable…i know! we know!
something we are taught and prepared for
or…in between pain and suffering, may be
an en route to you yourself and the "you" you want to be
is it a suffering?
but new "you" will come always in between you and yourself,
And, truth is something in between
*Footnote to self*: But suffering could be transformed into an energy to continue the journey between you and yourself (:, embrace 2018 (:
Fairfax, VA, 12.28.2017
Filed under: Poetry | Tagged: Ambitions, life, New Year...., Suffering | Leave a comment »


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Citadines Les Halles Paris Hotel
Best Rate Guaranteed
- Superb
Score from 1165 Review
Why book with GalaHotels.com ?
Recommended rooms
Citadines Les Halles Paris Hotel Information
General Information
Property Location
With a stay at Citadines Apart'hotel Les Halles Paris, you'll be centrally located in Paris, steps from Forum des Halles and minutes from Centre Pompidou. This 4-star residence is close to Notre Dame Cathedral and Eiffel Tower.
Make yourself at home in one of the 189 air-conditioned rooms featuring kitchenettes with refrigerators and microwaves. Flat-screen televisions with satellite programming provide entertainment, while complimentary wireless Internet access keeps you connected. Conveniences include safes and desks, and housekeeping is provided weekly.
Rec, Spa, Premium Amenities
Take advantage of recreation opportunities such as a fitness center, or other amenities including complimentary wireless Internet access and a television in the lobby.
Buffet breakfasts are available daily for a fee.
Business, Other Amenities
Featured amenities include dry cleaning/laundry services, a 24-hour front desk, and multilingual staff. This residence has 3 meeting rooms available for events.
Hotel Location
This property is located in the heart of the "Les Halles" district ; a very central and picturesque area with a multitude of Parisian cafes, restaurants,
shops and lively pedestrianised streets. From Charles de Gaulle airport, take the blue metro line (RER) direct to
Hotel Room
The 189 air-conditioned studios and apartments are equipped with bathroom (with separate toilet in the apartment with a bedroom), a completely equipped kitchen (oven, microwave / grill, refrigerator and dishwasher in apartments with one bedroom ), air conditioning, desk, TV with satellite channels and direct dial telephone.
Citadines Les Halles Paris Hotel Area
Distances are calculated in a straight line from the property's location to the point of interest or attraction, and may not reflect actual travel distance.
Distances are displayed to the nearest 0.1 mile and kilometer.
Forum des Halles - 0.1 km / 0.1 mi
Centre Pompidou - 0.3 km / 0.2 mi
Theatre du Chatelet - 0.3 km / 0.2 mi
Stravinsky Fountain - 0.3 km / 0.2 mi
Museum Georges Pompidou - 0.4 km / 0.2 mi
Eglise Saint-Eustache - 0.4 km / 0.2 mi
Church of Saint Germain l'Auxerrois - 0.5 km / 0.3 mi
Conciergerie - 0.5 km / 0.3 mi
Passage du Grand Cerf - 0.5 km / 0.3 mi
Pont Notre-Dame - 0.5 km / 0.3 mi
Pont Neuf - 0.5 km / 0.3 mi
Bazar de l'Hotel de Ville - 0.5 km / 0.3 mi
Palais de Justice - 0.6 km / 0.3 mi
Hotel de Ville - 0.6 km / 0.4 mi
Sainte Chapelle - 0.6 km / 0.4 mi
The preferred airport for Citadines Apart'hotel Les Halles Paris is Paris (ORY-Orly) - 14.8 km / 9.2 mi.
Citadines Les Halles Paris Hotel Amenities
- wifi wifi-free
- card_travel luggage room
- people meeting room
- fitness_center fitness center
- live_tv television
- pets pets admitted - on request
- local_cafe tea/coffee making facilitiesbell boy service
- local_laundry_service laundry
Citadines Les Halles Paris Hotel Taxes & Fees
Please note that a compulsory city tax is required to be paid by the GUESTS on top of B&A's contracted rates on all booked hotel accommodation in Paris, France. The fees are as follows: - € 4.40 PER PERSON PER NIGHT for stays in 5+ star hotels - € 3.30 PER PERSON PER NIGHT for stays in 5 star hotels - € 2.48 PER PERSON PER NIGHT for stays in 4 star hotels - € 1.65 PER PERSON PER NIGHT for stays in 3 star hotels - € 0.99 PER PERSON PER NIGHT for stays in 2 star hotels - € 0.83 PER PERSON PER NIGHT for stays in 1 star hotels Please note: This tax is to be paid by the GUESTS directly at the hotel before the end of the stay.


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Husson, Southern Maine Community College sign agreement to transfer course credits
SOUTH PORTLAND, Maine (AP) � Husson University and Southern Maine Community College have signed an agreement that will make it easier for students to transfer their credits between the schools.
The schools recently celebrated the agreement, which they say will facilitate the transfer of credits from some associate degree programs at SMCC into bachelor's degree programs at Husson. Among the SMCC programs included in the agreement are business administration, computer technology and criminal justice.
Husson University College of Business Dean Marie Hansen says the agreement will prevent students from taking "unneeded credits and spending money on courses that won't count toward a bachelor's degree."


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I've managed to take a few days off during the school half-term holiday. Because we stayed at home in the Vicarage, there was always the issue: "Do I answer the phone?" Thankfully "Caller Display" and an answering machine meant there wasn't too much "work" to deal with.
But there's still the question of how to use the time profitably - and make it feel that it has been "time off." So we did make the effort to get out of the house. There was still ice on the ponds at Wallington Hall, and most of the gardens at Belsay were closed as the snows melted with all the attendant issues of flooding and water-logging. But we really felt the weather was on our side when we drove across the Pennines to the Lake District. With continuing Achilles Tendon problems, the most I felt I could tackle was an ascent of Catbells. As ever, it was worth it. Just a few hundred feet up and the perspective changes dramatically.
I finished off the week in the garden, not doing anything creative but clearing away the clutter of last year's growth. The wonderful thing about getting rid of the dead grass, moss and sad-looking greenery was to uncover the tiny plants pushing their way through so soon after the ice and snow have receded. The snowdrops are out already, and the first shoots of crocuses and daffodils too. I suspect that if I hadn't cleared the general mess away, many of those plants would have grown up, flowered and died without me noticing.
So there's a parable for this time of year. Get up and away to put yourself in the place of transfiguring glory. Get to grips with the messiness of life and clear away what you can, so that you can find those shoots of new life.
Having said that, you might be glad to know that I didn't preach at our main Eucharist yesterday. But our Reader, Rosie Junemann did, and you can find what she had to say about Transfiguration by following this link.
And let's all cheer up - it'll soon be Lent!


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Tonight I am asking for prayers for my depression. At my appointment with my psychologist I was feeling great. Days after that and for the past week or so I have been in a pit again. I do have another appointment scheduled. I am so tired of being in this depression. I feel so alone and isolated and worthless. For those of you who deal with depression, you understand. For those of you who don't, there is really no way for me to make you understand.
I am reading an excellent book right now called Seeing In The Dark by Gary Kinnaman and Richard Jacobs, MD. If you deal with depression, I would highly recommend reading it. Also, if someone you care about is depressed I would recommend reading it for insight into what depression is all about. It is written by a Pastor and an MD. I have learned a lot from this book and yet have so much more to learn.
The one thing I do know is that I am so tired of this. I have been healed of cancer . . . I should be shouting from the rooftops what God did for me. I should be on fire for Him. I want to be. I am asking for prayers that I will find the right medication and dose to correct my chemical imbalance (it's a work in progress right now). Pray that I will seek God first thing when I wake up in the morning and all throughout the day. When I am down it is hard to even open my bible. Also, that if spiritual warfare is involved that I will understand that and know how to deal with it. I also ask for prayers for everyone that I deal with. My immediate family sees me trying to be connected to them and yet I still feel so distant. It's hard for Brian to understand my depression and it's very difficult for me to explain.
Speaking of Brian, he is having trouble sleeping at night. He is trying a new medication that his sleep doctor prescribed that will eventually (hopefully) help him with his fatigue. Right now though one of the side effects is trouble sleeping at night. How ironic. Please pray that he will make his way soon through this side effect and get to the point of feeling more energetic.
He is eating healthy food (he even journals everything he eats!), exercising every day and I have to say, looking really, really good :) Right now I am "hiding" in our bedroom. I snuck up here to do some reading and he busted me. Then he told me that I should stay in here and he would put the kids to bed for me tonight. This was already at 8:00 this evening. He is so good to me.
Thank you for reading through my rambling postings. It it hard to put this all out there because there is such a stigma with depression. I have had many people email and call me to share that they too suffer from depression. It is a real disease and hopefully by speaking out I can encourage someone who is suffering in silence to know that it is okay to talk about it. It is important to talk about it. It is hard though. But . . . . I can do everything through Christ, who gives me strength! (Philippians 4:13).


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ZX 14 Oil Upgrade kit-2
SAE Outlaw Performance oil system oil upgrade kit version 2 for the ZX 14. This kit includes a high pressure oil byass valve and a billet oil pump cover plate. The oil valve will raise the factory oil valve which is known for low oil pressure. The SAE oil valve will produce apporximately 95-105 psi of oil pressure, depending on oil weight and oil temperature.
The billet oil pump cover plate is a must for any ZX 14. The factory steel plate is known for flexing and bleeding off oil pressure.
Purchase both items together in the kit and save!!!!
Kit comes complete with mounting hardware
Fits all years
Click To Enlarge
- Item #: zx14 upgrade-2
- Manufacturer: SAE Outlaw Performance


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Typically, when someone thinks of mold the first image they conjure is of property in decay due to fungi growing in a damp environment. While this is correct, it does not explain the intricacies and discrepancies found in the classification of covered perils within insurance policies. Ambiguous overly general language can be used in a confusing manner that does not reflect common plain language meanings attached to the terminology found in your policy. Other policies may not even explicitly mention mold damage but still cover it in certain circumstances when applying provisions in concert. An example of this can be found in the Florida case Abraham v. Universal Ins. Co. of North America.
In this case, the appellate court affirmed summary judgment denying coverage because whether mold damage was covered was contingent upon the use of the property, more specifically whether it is used for commercial or residential use. The insured was barred from recovering due to a material misrepresentation regarding the use of their premises. Whether the mold was created by a covered peril was also a factor taken into consideration. Even if the insured did not make a material misrepresentation they would still be barred from recovery if the mold damage was not connected to any perils covered in the insurance policy. This is just one example of how mold insurance coverage will be custom tailored to the specifications found within your policy that are subject to your respective governing state law.
Another example, using Florida case precedent, is Fisher v. Certain Interested Underwriters at Lloyds Subscribing to Contract. This case examines an insurance policy that only covers mold damage to personal property if it was caused by direct physical loss and was a peril named in their policy. Direct loss was defined as a loss proximately caused by the peril insured against. For those unfamiliar with the term "proximate cause", it is used in this context to describe "a cause which in a natural and continuous sequence unbroken by any new and intervening cause, produce a loss, and without which the loss would not have occurred.". Here the insured was entitled to recover compensation due these concepts being applicable to the circumstances surrounding the loss.
Other terminology to be aware of in determining whether your mold insurance coverage is triggered is whether the applicable policy is an "all-risk" or "named-perils" policy. If you are confused as to whether your policy includes mold insurance coverage and to what extent is it applicable, a legal expert can help simplify your contractual language into a coherent summary so you are not taken advantage of. An experienced insurance claims attorney can help you get the most out of your insurance policy or confidently dispute an unjustly denied claim in front of a legal tribunal.
You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at[email protected].
-Abraham v. Universal Ins. Co. of North America, 120 So.3d 114 (4th DCA 2013)
- Fisher v. Certain Interested Underwriters at Lloyds Subscribing to Contract, 930 So.2d 756 (4th DCA 2006)


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In June 2018 Qvinci released the ability to comingle P&L and Balance Sheet data in a template. This feature allows for a user to create reports with blended data such as a KPI, or any other report that requires the merging of P&L and Balance Sheet data.
Configure a Blended Report
Start with a Gallery Template
- As always, it's best to start with a jumpstart template from the Qvinci Gallery. Migrate to Reports & Libraries > 1. My Reports > Qvinci Gallery.
- Find a "Profit & Loss Monthly" template in the grid and click the "Edit" button to open the template. Pay no attention to the date range or context listed in the template, it's likely that this will be updated anyway.
- The chart of accounts structure will be shown in macro form in column A. Largely, this needs to stay intact so that the relative CoA or SCoA (standard chart of accounts) feeds through the macros, but modifications can be made. Learn more about using the Accounts Chooser to edit the format here.
- With the Gallery template open (ensuring that the macros appear in the template, as opposed to financial data and the CoA/SCoA), click the "Save As" button to create a working copy for modification.
- Name the working copy. This new template will appear on screen, and will now exist in your Reports & Libraries > 1. My Reports tab (as opposed to the Gallery). All modifications need to be done in your working copy moving forward.
Modify the Newly Saved Template
Now that a working copy of the template exists, the modifications can be input to create a blended report.
- Open the template, if not already.
- If you started with a Profit & Loss template rename the tab at the bottom of the template to say P&L, or something similar.
- The pre-existing column macros will still appear in the columns but they now need to be updated.
- Update an existing column macro click into the existing macro and then visit the Column Chooser.
- From the top dropdown menu, select "Profit and Loss Monthly".
- Then select a desired frequency, date range, or other options that should appear in that column. Learn more about using the Column Chooser here.
- The reason the "Profit and Loss Monthly" option must be chosen from the drop down is because this template is going to have both P&L and Balance Sheet data in it, so the explicit report type must be selected.
- After updating all P&L macros through the Column Chooser, it's time to add the Balance Sheet portion to this report template. It is most advised to input the Balance Sheet portion of the template on a second tab and then utilize cross-sheet referencing or HLookups/VLookups to blend the data in the reporting template.
Add the Balance Sheet Data on the Second Tab/Worksheet
- Return to the Qvinci Gallery and find a sample Balance Sheet template. Click "Edit" to open the template.
- Copy the structure of the chart of accounts from the Balance Sheet template (Excel hot keys like Ctrl + C do work).
- Now, return to your template under the "1. My Reports" tab, click "Edit" to open the template.
- Click the + button at the bottom of the template to create a new tab to drop the Balance Sheet structure on.
- On this second tab paste the copied Balance Sheet structure. Resize the columns as desired.
- Edit the name of the tab by clicking on it and call it something like "BalanceSheet", etc.
- Now, it's time to edit the column macros through the Column Chooser to get the desired date range and frequency for the Balance Sheet tab.
- Update an existing column macro by click into the existing macro and then visit the Column Chooser. Otherwise, if no existing column macro exists, click into a cell above and to the right of the first row of the CoA and open the Column Chooser.
- From the top dropdown menu, select "Balance Sheet".
- Then select a desired frequency, date range, or other options that should appear in that column. Learn more about using the Column Chooser here.
- The reason the "Balance Sheet" option must be chosen from the drop down is because this template has both P&L and Balance Sheet data in it, so the explicit report type must be selected on the corresponding tabs.
Blend the Data
Now that the P&L template exists on one tab, and the Balance Sheet template exists on a second tab, you may wish to create a KPI type report, or another report that needs data blending, on a third tab. This is useful when you need to source data from the P&L and the Balance Sheet, but don't actually need to show the full format of the P&L or the Balance Sheet.
- Add a new tab at the bottom of the template by clicking the + button and naming the new tab (click onto the tab to rename it).
- If cross-sheet referencing is a prefered next step then the user may begin to create those references.
- If point-click between sheets does not appear to create the reference formula, follow this format to manually input a reference: ='SheetName'!Cell
- Therefore, if a formula needs to be input to divide Total Income by Total Fixed Assets, and Total Income is on the P&L tab in cell C8, and Total Fixed Assets is on the BalSht tab in cell C19, the formula might look like: ='P&L'!C8/'BalSht'!C19
- As the template is previewed, or downloaded in a package, and the chart of accounts expands column A, you will find that your formula references move dynamically. For example, if cell C8 is the Total Income row on the P&L tab in the macro-based template, but becomes cell C24 after the template renders data, the formula will still reference the correct cell for Total Income.
- If the desired output for the report is to simply show the blended report tab in a PDF download, and not the P&L or Balance Sheet tabs, you can edit the P&L and Balance Sheet tab names to be prefixed with a "#". The prefixed hashtag will ensure that the blended report tab hydrates with data, but that the source tabs (P&L and Balance Sheet) do not appear in the PDF export.


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We meet with numerous financial partners around North America. Often, we are asked about the folks back in our corporate office that our partners interact with daily. To help put faces to the names and learn more about them, we'd like to begin spotlighting the employees that help our firm run smoothly every day, starting with our company's Financial Administrator, Darla Purchase.
Darla joined Rockspring Capital in 2007 to manage the accounting functions for all Land Funds, including the related partnerships and joint ventures associated with the U.S. and Canadian Land Funds. Prior to Rockspring, Darla served 25 years as a Financial/Business Administrator in the finance and agriculture industries. Darla studied business at Texas Wesleyan University.
She has one son and a large extended family and loves participating in all memorable family events as often as possible. Darla is very fond of fine arts – symphony, theatre, etc., and has served on a Concert Series Board in North Houston for 11 seasons.
She also loves to travel in her RV, especially areas populated with mountains like Jackson Hole, Wyoming. She also loves skiing, snowmobiling, hiking and canoeing.
For Broker Dealer Use Only
Copyright © 2016. All Rights Reserved.
This is neither an offer to sell nor a solicitation of an offer to buy any security, which can be made only by the confidential private placement memorandum (PPM) and all exhibits, attachments and supplements thereto, and sold only by broker-dealers and registered investment advisors who are licensed to do so. These investment opportunities have not been registered under the Securities Act of 1933 and are being offered pursuant to an exemption there from and from applicable state laws. Please read the PPM carefully before you invest. There is no assurance that the investment objectives of this program will be attained. All information is subject to change. Consult the PPM for investment conditions, risk factors, minimum requirements, fees and expenses and other pertinent information with respect to this investment. Rockspring Capital, LLC makes no representations as to the suitability for any purpose of any investment whatsoever. This presentation is intended solely for accredited investors who have received a PPM. Any unauthorized reproduction of this information is strictly prohibited.
Securities offered by Emerson Equity LLC, Member FINRA/SIPC. Emerson Equity is not affiliated with Rockspring Capital.
Neither past nor related performance guarantees future results.


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Nom is a fingering weight, kettle-dyed yarn made from a blend of 80% superwash merino wool, 10% cashmere, and 10% nylon. Skeins are 100 grams, 435 yards each.By purchasing this subscription, you'll receive one custom dyed skein of Nom yarn every month. Colorways will alternate randomly between solid, semi-solid, speckled, and multi-colored. Some will be exclusive non-repeatables, others will become available to the public after a few months.
Paypal will automatically charge you on the 1st of every month, and yarn will be mailed around the 15th. Shipping is included in the subscription price. There is no commitment; stay as long as your yarn needs and budget allow. You can cancel your subscription at any time before the next month's charges occur in the 'recurring payments' section of your Paypal account.
At this time, Nom club is only available within the USA. Email email@example.com if you have any questions.
*When you checkout, the subtotal for club memberships will be $0.


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Special decision by the Migration department at the Ministry of The Interior of the Republic of Lithuania (2008)
The information was last updated in 2013 and may have changed since.
Permitting refugee status
Asylum Provisions
Number of asylum cases granted on the ground of FGM
In 2008, 1.5 years old girl from Ethiopia was granted a refugee status on the grounds of possible FGM.
Doctoral thesis: The shortcomings of refugee definition in 1951 Convention Relating to the Status of Refugees and in the EU directive 2004/83/EB*
Additional information
Information collecting point
Ministry of the Interior (institutions under the ministry)


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Deon, hiding behind a directory has plenty of directory's yet to sell. It is nice to have an extra one. If you cannot find one, perhaps you can find the other. Bring your $3 on Tuesday.
Today was the annual patriotic performance on Presidents day. It is one of the coffee hours of the year that has a high attendance number. Pictured above are the Choraliers.
Lap quilts were presented to our two oldest veterans. Pictured above with his two daughters, Karen and Linda is Clarence Cooke.


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Happy May, friends! I adore this time of year for so many reasons: beautiful blooms, sunny days, my husband's and my anniversary, and of course- all the 'n sync memes!
Anyway, today I want to share this gorgeous floral tunic I received from Chicwish. I've always loved a pretty floral print, so when I saw this beauty, I knew I wanted to try it! And it did not disappoint, it's even more beautiful in person! The v-neck makes it nursing friendly for all my fellow mamas, and the empire waist could even work for a maternity top. Plus, look at the cutout detail on the arms, and that twirl! Such a gorgeous piece I can see myself wearing for years.
Tunics are some of my favorite wardrobe staples. I'm a pretty tall gal at just under 5'10", so tops long enough to cover my tush area are a must when I'm rocking the leggings-as-pants look. I've also got a long torso, which sometimes make finding long enough tops challenging. So can you see why I'm crazy about this one? It checks of all the boxes, and for a great price too!
Another thing I want to mention is the actual floral print: they're not all created equal. Some are so busy they hurt my eyes- I'm sure you can think of examples you've seen. This one is delicate, feminine, with a lot of white space to balance and make it aesthetically pleasing. It would work for any skin tone and is such a soft, breathable material.
If you're in the market for a versatile, lightweight floral tunic, I highly recommend this one from Chicwish! Seriously, you'll love it. I've linked my whole look for you below, along with some other pretty florals for all styles and budgets.
Happy shopping!


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- Follow Transient Reflections on WordPress.com
The postings on this site are my own and do not represent K-VA-T food stores inc. (Food City) positions, strategies, or opinions." The company required the disclaimer in connection with a related prohibition against an employee representing "any opinion or statement as the policy or view of K-VA-T food stores inc. (Food City) or of any individual in their capacity as an employee or otherwise on behalf of K-VA-T food stores inc. (Food City) ."
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Category Archives: The World Today
Random thoughts 8-7-2014
Life is but a short walk through a garden, so enjoy the view and be kind to the other visitors. We all have been blessed with a chance to experience life, yet many of us do not realize the value … Continue reading
Posted in Random Thoughts, The World Today, Thought of the day, Writings Tagged Belief, Creative Commons Attribution, Future, Happiness, Love, Peace, Philosophy, Ray Barbier, Thought 3 Comments
What are the caretakers of this world
What are the caretakers of this world, we were given the responsibility to care for and maintain this wondrous gift that we call Earth. We have walked down the path of destruction and not one of nurturing and preservation far … Continue reading
Posted in Green Issues, Random Thoughts, The World Today, Thought of the day Tagged Christian, Creative Commons Attribution, Earth, Future, green, preservation, Thought Leave a comment
Some of What…..
Some of what the world says is important Looks / appearance wealth popularity self-satisfaction possessions compliance social normalcy Physical strength Power The Self Personal Achievements Being number one Some of what the bible tells us is important God & Jesus Caring for the weak and helpless Hope Compassion Understanding Being Humble Morality Doing what is…
Some of What….. was originally published on RJBNet
Posted in Random Thoughts, Spiritual, The World Today, Thought of the day 2 Comments
Eric Ludy – Depraved Indifference – video (Inspiring Truth)
Eric Ludy – Depraved Indifference
Posted in Religion, Spiritual, The World Today 1 Comment
We are supposed to be extensions of God's will.
Seems nowadays most people are so set on building their financial futures and working away all their days for some golden dream of financial security. Money and material possessions seem to be the main focus of a good portion of … Continue reading
People relied on themselves and each other to survive
For the most of us the issue today is survival, how to survive on the income we have in an economy that is hostile to the working mans wallet. Food prices keep rising, the job market is pretty stagnant and … Continue reading
A helping hand or encouraging word
You are good, you did good, you are going to be okay and everything will be all right. Words we all have longed to hear at one point or another in life. We need encouragement from others and we always … Continue reading
Time to be focused on the big picture which we play a big part in.
Each one of us are brothers and sisters here on our great blue world. Though we all have different religious beliefs, political views and philosophies we all have the same desire to live peacefully and to provide our children a better life … Continue reading
The World, The web and a needed change
The world is connected by a spider's web of communication, information and all the junk that comes with such a large social connection. There are no more borders between the people or barriers between the cultures of our world. Yet governments still … Continue reading
A Fork in the Road
Lately the cycle of life has really sped up around me, so many pregnancies and people either dying or getting life threatening diseases. This world is speeding up and we are heading towards a fork in the path we are … Continue reading
Posted in Green Issues, Political, Random Thoughts, The World Today, Thought of the day Tagged Business, Home, Personal Finance, Selfishness, Wealth Leave a comment


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A new provisional agreement has been reached by the European Commission, the European Parliament and the Council, to create more transparent and predictable working conditions.
As of yesterday (7 February) the new directive on transparent and predictable working conditions has been formally adopted by both the European Parliament and the Council. The proposal made by the Commission is an update of the 'Written Statement Directive' – which dates from 1991.
With the world of work fast evolving, the new directive will aim to look towards a modernised workforce; complementing and modernising existing obligations to inform each worker of his or her working conditions. The biggest differences in employment over the years include; demographic change, resulting in a greater diversity of working population; digitalisation, facilitating the creation of new forms of employment and as a result, new and more flexible employment relationships have emerged.
What does the directive to create more transparent and predictable working conditions entail?
The proposal set out to create new minimum standards to ensure that all workers, including those on atypical contracts, benefit from more predictability and clarity as regards to their working conditions; the Commission estimates that 2-3 million additional workers on atypical contracts will be covered and protected compared with the old legislation.
The new directive will also look to put measures in place to avoid administrative burden on employers by giving them the opportunity to provide requested information electronically. A level-playing field for companies is also at the forefront of the directive, meaning that employers can benefit from fairer competition in the internal market, with fewer loopholes.
Comments on the provisional agreement of the directive
Marianne Thyssen, Commissioner for Employment, Social Affairs, Skills and Labour Mobility has welcomed the agreement, releasing the following statement:
"Today we have reached an agreement that will provide 200 million workers in Europe with more transparent and predictable working conditions. We are modernising European labour law and adjusting it to the new world of work. This is a major milestone to make the European Pillar of Social Rights a reality for our citizens. Today's economy needs flexible labour contracts, but flexibility must be combined with minimum protection. With the agreement that is on the table today, we will offer those who are in flexible employment relations more transparency and predictability, especially the most vulnerable ones. Up to three million workers active in new forms of work, like workers on zero-hour contracts and domestic workers, will be covered which was not the case until now. Workers will benefit from more transparency by receiving key information on their working conditions from the start, and they will benefit from new rights leading to more predictable working conditions.
I would like to thank rapporteur Enrique Calvet Chambon and the shadow rapporteurs who negotiated on behalf of the European Parliament, and the Romanian Presidency on behalf of the Council. This agreement should now be confirmed quickly so that it can have a concrete, tangible, and positive effect on workers across the EU. This is what social Europe is all about."


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Welcome to the Edmonds Creative District, Washington's first Certified Creative District!
The Edmonds Creative District comprises the heart of Edmonds, a traditional, walkable small-city downtown featuring a rich mix of arts, culture, creative-sector businesses, public gathering spaces, and historic structures – all on the shores of Puget Sound with panoramic views of the Olympic Mountains. Click here for a map of the Edmonds Creative District.
While traditional arts and culture establishments form the heart of the Creative District, the creative sector is much broader and encompasses businesses engaged in design, photography and videography, creative software, brewing, distilling, culinary arts, jewelry making, book publishing, architecture and drafting, cabinetry, catering, advertising and more.
It is the rich mix of these types of creative businesses that forms a unique synergy, which when enhanced by the unbeatable aesthetics of Puget Sound and the Olympic Mountains, inspires and nurtures creative-sector businesses in the Edmonds Creative District.
Bring your creative business to the Edmonds Creative District and Make a Splash!
To find out more about the Edmonds Creative District and the possibilities for your business, contact Economic Development Director, Patrick Doherty at 425-771-0251 or at email@example.com. In addition, general information about doing business in Edmonds can be found at the links provided on the left under "Doing Business in Edmonds."
More Informaton about the Edmonds Creative District
Governor Jay Inslee announced in November 2018 that Edmonds was selected as Washington's first Certified Creative District – a designation that recognizes both the existing strength of our Creative Sector, as well as the progress and enhancements that we plan to make over the next five years.
Attracting creative-sector businesses is a cornerstone of these enhancements.
To provide valuable input, assistance and advice on furthering the goals, objectives and milestones of the Creative District Five-Year Work Program, the City has formed a Creative District Advisory Committee, comprised of 19 individuals representing arts and culture, creative businesses, civic organizations, other city commissions, and at-large members (see roster at left).
For more information, please feel free to contact Economic Development Director, Patrick Doherty at 425-771-0251 or at email@example.com or Arts & Culture Manager, Frances Chapin at 425-771-0230 or at firstname.lastname@example.com.
Edmonds Creative District – Connect. Create. Inspire. Make a Splash!


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Drake: Madonna Fulfilled Lifelong Dream When She Made Out With Him
Kissing people during performances is kind of Madonna's thing but her smooch with Drake during Coachella on April 12 was more than just a kiss for her — it was practically a dream come true!
It all makes sense now! Less than a month ago, Madonna admitted that she has a HUGE crush on rapper Drake, 28! It looks like the 56-year-old momma got her wish during their performance at Coachella — find out EXACTLY what Madonna said about her deep dark Drake fantasy only weeks before the shocking kiss on stage!
Drake: Madonna's Crush — Their Kiss Was A Dream Come True For Her
"The lifelong ambition I still want to fulfill is to go on a dream date with Drake — and only kiss him," Madonna revealed in March 2015 in a "25 Things You Don't Know About Me" interview with Us Weekly!
There you have it folks! Madonna has been dreaming of that kiss for a long time and she finally got it! Unfortunately, Drake didn't look too happy about it after it was over. He looked a bit grossed out to be honest.
In case you're a bit lost, Madonna performed "Human Nature" at Coachella on April 12 when she decided to plant a kiss on Drake (clearly to fulfill her lifelong dream)!
Drake & Madonna Kiss: Fans Grossed Out
Drake wans't the only one who appeared grossed out after the kiss — fans flocked to Twitter to share their reactions!
Praying for Drakes recovery after being kissed by Madonna like that. Smh 😷
— Gawvi (@GAWVI) April 13, 2015
It isn't okay that @Madonna kissed @Drake without consent. We'd be mad if a male did it do a female. She owes Drake an apology.
— Cassie Fambro Byrd (@CassieFambro) April 13, 2015
madonna's so grimy and gross if that kiss wasn't planned like how are you gonna disregard someone's space like that
— NAACP twigs (@corbinbluwaffle) April 13, 2015
We arent clowning Madonna for being old. We're clowning her for pathetically grasping at her long gone youth. Hang it up grandma.
— Larry Beyince (@DragonflyJonez) April 13, 2015
HollywoodLifers, do you think the kiss was planned or do you think Drake was really caught off guard? Let us know your thoughts in the comments below!
— Shira Benozilio


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Buy Minnesota Vikings Football Tickets | Call To Order 1-800-396-7328
Last Vikings Season at the Metrodome
By Vikings Tickets Staff Writer: R. Murray
Thank you, Vikings fans:
Thank you, Vikings fans, for being the best football fans in the NFL! Through the ups and downs of the 2012 football season, Vikings fans were steadfast in their support for the Vikings. And now, we are looking forward to the Vikings staying in Minnesota and seeing all of your purple pride in 2013. Skol, obviously!
Last Vikings Season at the Metrodome:
Guess what? Even though this is the Vikings last season at the Metrodome, it won't matter where the Minnesota Vikings stadium is located because no matter where it is, we will have your Minnesota Vikings football tickets! We are loyal Minnesota Vikings fans and are watching the stadium proposals very carefully to be sure to pass along any updates to you guys. Just keep in mind, no matter where the stadium is, we are your #1 source for Minnesota Vikings tickets.
Whether you are looking for tickets for this season or beyond, VikingsTickets.com will be your #1 ticket source!


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by WEX Health
Continued uncertainty surrounds the Affordable Care Act repeal and replacement efforts. Last Friday morning the Senate voted down 49-51 the Health Care Freedom Act known as the "skinny repeal" legislation, failing to win the necessary support of three Republicans.
The past week involved heated days of legislative activity around healthcare reform. Senators debated and voted on the Obamacare Repeal Reconciliation Act (ORRA), which failed 45-55. This bill would have annulled the law and allowed Congress two additional years to replace it.
Additionally, they considered the Better Care Reconciliation Act (BCRA), which also did not pass with a vote of 43-57. This bill would have erased the current statute and replaced it with a more limited government healthcare role.
It's unclear if the House and Senate will take a break from their healthcare reform efforts. It is still possible they would work on a repair scenario across party lines forming a bipartisan effort to repair certain aspects of the ACA. Analysis of this option would potentially result in approximately 6 million fewer insured by 2025 compared to repeal numbers with an estimated 32 million being left uninsured.
Examination by HRI finds a repair effort would help industry organizations and players realize more neutral outcomes. However, the administration, specifically the HHS Secretary, IRS, DOJ and the President have the power to strengthen or weaken the current law by managing the ways it functions.
Healthcare organizations need to understand that their resilience is and clearly will continue to be tested as the federal government works through the bill process. Healthcare leadership needs to prepare their organizations for the future, whatever that may be.
Source: Health Research Institute Weekly Insights. June 24, 2017.
PwC's HRI Health Reform 2.0: A guide to developing resilience amid an uncertain future for the Affordable Care Act.


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A bold alternative to expensive healthcare.
Preserve The Freedom Of Making Your Own Healthcare Choices.
Here is your opportunity to join a community of health-conscious Americans who practice time tested principles Christians have been observing for decades about their healthcare. Liberty HealthShare exists specifically for everyone who either purchases healthcare for themselves and their family, or for people who want to control their own healthcare. Liberty HealthShare is not insurance. It simply unites like-minded Americans to share medical costs together.
In this way families all over America share their medical expenses each month. There's power in group sharing!
And it's reciprocal! Should you ever have medical costs, others in the program contribute their monthly share amount; even send notes of encouragement, to share in your expenses.
It's a simple case of neighbor helping neighbor! What a concept! A concept whose time is now!


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Latin Extended, 5 line
This type measures 5 line in size and was produced with the end-cut method. The type block is stamped Hamilton, Two Rivers, Wis. which was used by Hamilton between 1891–1950s.
This face was first shown as wood type by J.E. Hamilton and Max Katz in their 1884 Specimens of Holly Wood Type.
This cut of Latin Extended was shown in American Wood Type on page 284 and in the folio on page 24.
Type name used by manufacturer:
Hamilton Latin Extended or No 96
Morgans & Wilcox Latin Extended [3127]
This is the Hamilton cut.


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A Joyous Lent to All!
Here is an interview on Focus Today on The Dove a Protestant daily show in Oregon did March 26th, 2013 with Fr. Seraphim Cardoza, Priest at the church of St. Innocent's in Rogue River, Oregon.
"Fr. Seraphim Cardoza, priest at St. Innocent Orthodox Church, talks about the meaning of Great Lent and the importance of repentance, Confession and Communion as we prepare our hearts to celebrate the Resurrection of Christ." Per the Dove intro. Please note there is a brief 1 minute video of Vespers at St Innocents within the above video starting at about 1om 12sec into the video. There have been other videos made with Fr Seraphim on Focus Today that I will be posting soon.


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I've had 2 weeks with a song stuck in my head. It keeps fitting around and around like a butterfly, it is demanding my attention, seeking to be really heard and understood. So i created an art journal page to explore it a little.
You Make Me Brave is the song, it's one of my new happy songs. Did art journalling make the butterflies go away? No, it has just gone a little quieter because it has gone a little deeper within.