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Museum shop: considering target audience
When it comes to your customers, you have to use a comprehensive approach, creating the best possible conditions to attract all target audiences. One thing is for sure: all customers are museum visitors. This could sound provocative, but is something to think about carefully. Who are your visitors? They are definitely attracted by arts, they like to feel new emotions and they want to be enriched by the museum experience.
Building on this, you should put together a range of items, gifts and merchandise as emotion-oriented as possible and capable of meeting the artistic taste through multiple shapes and materials. It's about offering gifts that enrich people and their daily lives. Choosing knick-knacks, although customized, means losing the opportunity of bringing products to life. This won't feed the emotional halo inspired by the museum visit and could result in a lack of attention to the items showcased in the bookshop.
Museum gifts for kids: more than soft toys
Kids are definitely the target most easily and instinctively attracted by shapes over materials. We don't just address kids with soft toys and similar, we try to offer items like playing cards and memory games.
This will support the store reputation, creating better conditions to catch the attention of adult consumers that will necessarily take the final buying decision about the item chosen by the kid or boy/girl.
Museum items for men or for women?
Here, the sales department of the museum can help with actual statistics and figures. Some museums or permanent exhibitions could be mainly visited by men or women. Very often, museum bookshop customized gifts address a unisex target audience: this can initially make the product choice easier, but could also fail in meeting the final target customer needs, in case the item features happen to privilege one sex or another.
Thinking about the seasonality of products can offer a useful insight to address different customers. While during summer holidays museums attract mostly families, winter and spring can see more visits by school and university classes, plus small groups of tourists.
Senior customers: an important bookshop target audience
Senior customers must definitely be taken into consideration when it comes to product choice and price. Statistically, these customers "could" spend a bit more, that's why choosing targeted products, like customized items with precious objects or high quality, bigger-sized gifts, is so important. Bookshop senior customers are less attracted by fashionable items and could show a preference for vintage or retro-style gifts, never losing sight of the product intrinsic quality.


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In the latest development of plans to extend parental leave in Ireland, the Minister for Justice, Charlie Flanagan, signed the commencement order for the Parental Leave (Amendment) Act 2019 on 23 July 2019. This means that from 1 September 2019 onwards, parents will be able to benefit from an additional 4 weeks' unpaid parental leave where their children are aged 12 or under (or up to age 16 in the case of children with a disability or long term illness). This change will bring the statutory parental leave entitlement from 18 to 22 weeks with a further increase of 4 weeks to take effect in 2020. As a result, eligible parents will be entitled to 26 weeks unpaid parental leave from 1 September 2020 onwards.
Parents who have already taken some, or all, of their existing 18 week parental leave entitlement, and whose children are still within the relevant age thresholds when the change comes into force, will also be able to benefit from the additional leave as detailed in our previous post available here.
At this stage, the key action point for employers is to review and update existing policies and procedures to make sure the business is ready when the parental leave entitlements are extended on 1 September 2019.
If you need help with any employment law matters in Ireland please contact the Lewis Silkin Ireland team - http://www.lewissilkin.com/Ireland/
The Minister for Justice Charlie Flanagan signed the Commencement Order for the Parental Leave (Amendment Act) 2019 on 23 July. "Both mothers and fathers may apply for this leave which I anticipate may be of particular benefit to parents that wish to take the unpaid leave when their children will be returning to school in September,"said Flanagan in a statement.

subset: commoncrawl


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60mph hovercraft
Hovercrafts go places other craft can only dream of and slip effortlessly from land to water. Tear up your local park with this thing and when you get chased by the park warden just quick-foot it away via the local lake. Endless fun and with top speeds of upto 60mph you will be sure to get your adrenaline fix for the day too. Fly away into the sunset…
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BillingTree Delivers Growth, Technology & Added Value during first Six Months under New CEO Edz Sturans
– Company experienced record growth thanks to solution integrations, new technology offerings and partnerships driving expansion across multiple industries including ARM & Auto Finance
– Value added services drew rapid customer acceptance including complimentary access to Compliance Coach and record webinar participation
– CEO expanded commitment to certifications and ongoing community service
Phoenix, Ariz. March 3, 2015 –BillingTree® payment solutions experienced continued growth over the past six months and throughout 2014 as the company welcomed new clients and further expanded its payment offerings across the ARM, Auto Finance, Credit Union and Healthcare industries. The cross-industry growth came during a period of leadership transition at BillingTree following the August 2014 appointment of new CEO Edgars "Edz" Sturans, announced last September.
BillingTree also saw increased adoption of new payment technologies as customers looked to enhance their existing payment processing by integrating solutions such as Interactive Voice Response, Virtual Negotiation and data feed technology. Alongside expanding product adoption, in Q4 BillingTree announced a new strategic partnership with DealerClick offering their Auto Finance customers access to a wider suite of payment solutions.
Under Edz's guidance, BillingTree continued enhancing its Customer First program to ensure even greater levels of customer service and support. Advancements included a new support webpage, expanded communications, complementary customer access to Compliance Coach and Compliance Central, plus the company will again be covering costs of the annual NACHA Rulebooks for ACH processing customers. The company also ran a series of webinars to share information regarding payment processing technology and services – including advice on how to remain compliant under the ever-increasing scrutiny of regulatory bodies such as the CFPB.
BillingTree's commitment to industry best practice continued with the December addition of the 2014 assessment in line with the Health Information Portability and Accountability Act (HIPAA) Security Rule . This compliments the completion of the examination on Statement on Standards for Attestation Engagements (SSAE) No. 16 and PCI Compliance certifications achieved earlier in the year.
"It's been a busy and successful six months since joining the BillingTree team and I am pleased to have begun my tenure by adding even more value for our clients – while developing and increasing the adoption of new payment technology," commented Edz Sturans, President and CEO of BillingTree. "The culture at BillingTree plays a vital role in helping our customers grow and we've got many more exciting innovations in development that are coming in 2015".
As well as steering the company through a successful leadership transition, Edz continued to emphasize BillingTree's long-standing tradition of working with local charities. Charitable work includes support for:
- Florence Crittenton's Teaming Up For Girls Luncheon
- Season for Sharing, the annual holiday campaign of The Arizona Republic, azcentral.com and 12 News, which is a donor-advised fund of the Arizona Community Foundation
- St. Mary's Food Bank and Feed My Starving Children – BillingTree employees continue the long-standing company volunteering policy, supplying 3 paid office-hours per month per staff for charitable causes. This employer-paid volunteer time includes support totaling around 1,800 man-hours per year
- Phoenix Children's Hospital – A donation, event sponsorships and volunteer hours continue to help the young patients at the hospital
About BillingTree
BillingTree's mission has centered around assisting companies with growing their business by delivering cost-effective, compliant payment solutions that increase and accelerate collections. Committed to and serving the accounts receivable industry for over a decade, BillingTree is the industry leader in the breadth of integrations with core collection platform systems and payment technologies, and in payment compliance. At BillingTree – Your Growth is Our Business. For more information, visit www.mybillingtree.com or call 877.4.BILLTREE.


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Jan Neuhaus
Jan Neuhaus graduated in Informatics (Dipl.-Inf.) and is head of Department III (IT, Data Communications and eHealth) at Deutsche Krankenhausgesellschaft e. V. in Berlin.
In his former position as director of Software Development at Tieto Deutschland GmbH Jan Neuhaus was responsible for developing the hospital information system iMedOne, for software data protection measures and for monitoring the impact of the Law on Medical Products.
During his time at Fraunhofer ISST in Dortmund he played a major part in formulating the standard for the electronic patient file which enables inter-sectoral electronic communications in compliance with data protection requirements. In this field he was also involved in projects on the eHealth card and other IT applications for inpatient and outpatient units.
Contact data
CEO - IT, Data Communications and eHealth
German Hospital Federation (DKG)
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by Peggy Bechko
Okay, the end of the year is coming. No doubt we're all feeling a bit crunched for time. It's just a seasonal thing.
Or is it?
Writers almost always are performing a juggling act, especially early on in their careers. You know, the day job. Unless you're retired with lots of time to write or a millionaire with no money cares you probably have a day job right now or have perhaps recently had the good fortune and finally enough stability in your chosen field of writing to be able to put that behind you.
Or, you could (and I don't mean this to be depressing) spend a lifetime juggling that creative urge with a full time or part time job. Hey, it's not fair, but there are lots of great writers of novels, scripts, short stories, etc. who never crack that glass ceiling into full-time writing. Still we soldier on and quite frankly the writer's mind is rarely (or make that never) still, spinning out new stories even when pressing on through that work-a-day job that pays the bills but has nothing to do with writing.
So, what's a writer who loves to write to do in order to find time to write and not make him or herself crazy in addition to those around them?
A possible help is to pay attention to your day job. Is there anything there you can do to get ahead of the curve? Are there any projects you can perhaps finish off during a lunch hour overtime stint? Frequently if you can clear the clutter from the 'bring in the money job' out of your head and feel you're swimming above water, it will reduce stress and free up your creativity for later. If that won't work, maybe you could take your laptop or tablet to work along with a sandwich for lunch and spend that time isolated and writing.
Then think about how you use your time now. It would help if you kept a time journal for a week. And be honest with yourself. You want to write during certain times, but are you really using that time to write? Or, are you surfing the net or continually checking your cell phone? Break your time into 15 minute blocks and brutally note what you actually did with that time. Once you have that written record, review it and you might well be surprised at what you're actually doing. Our world is full of distractions. And don't forget you need to have some time to relax, maybe play with the kids or have an adult conversation with your significant other.
Focus your intent. Set goals. Break them into smaller ones. Ones you can accomplish in a hour or a week or a day. I keep a running list on my desk of things I need to accomplish and check them off as I go through them. Sometimes I just do the ones I know I can do quickly just to trim the list.
It's all too easy to lose focus. And it's amazing what can be accomplished of goals are set. I've been a full time writer for some time, and I still jump at writing opportunities for guaranteed pay in addition to what I write for myself to offer on spec. So when I was offered a script writing gig (ghosting) for great pay, I accepted with a 60-day deadline for contracted first draft. I cringed at the idea of not being able to work on my own project and sat down to organize.
Four pages a day on the contract work got me a completed script in about 5 weeks with a bit of time for some polishing before the due date (I always hit my deadlines unless too sick to get out of bed – which has never happened). Then I assigned myself a minimum of three pages a day on my own project. And I made sure I had a bit of time to toss dinner together and sit down to eat it with my husband – no electronics allowed.
That means in about six weeks I'd put out two scripts (admittedly in need of polishing) and could give myself a little time off for being a determined and efficient writer, then go back and polish, first the contracted first draft, then work on my own.
Cutting things up into chunks works. Really. You should try it.
Peggy Bechko is a TVWriter™ Contributing Editor. Learn more about her HERE. Peggy's new comic series, Planet of the Eggs, written and illustrated with Charlene Brash-Sorensen is available on Kindle. Grab your copy of Book 2 now! And, while you're at it, visit the Planet of the Eggs Facebook page


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Position Indicators | Counters
In combination with linear and angle encoders ELGO position indicators form a closed system for the direct visualization of the measured values for up to three axes. The self-sufficient, battery-powered measurement and display systems have a very compact design and can easily be mounted without any wiring or cables. Therefore they are especially suitable for the use in small machines and for modernizations. There are also indicators available, which can communicate to a superior system by interface.
complete measuring and display systems / for absolute measurements
complete measuring and display systems / for incremental measurements
can be combined with linear and angle encoders / for absolute or incremental measurements


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Grace Gummer, best known for her turns in The Newsroom and Frances Ha and in her real-life role as Meryl Streep's daughter, is joining the cast of Mr. Robot as a series regular. According to Variety, Gummer will play an FBI agent named Dominique "Dom" DiPierro, who is assigned to investigate the massive hack that took place at the end of the show's first season. She'll be charged with tracking down the members of fsociety, and considering creator Sam Esmail has called the 10-episode second season "really fucking dark," Agent Dom could be dealing with some crazy shit, man. Meanwhile, Gummer will also be appearing as Nora Ephron on Amazon's new series Good Girls Revolt, which was picked up to series following Amazon's pilot preview season, leaving the door wide open for fan-fiction writers to imagine a steamy romance between Gummer's witty Ephron and Rami Malek's anxious Elliot Alderson.
More from The A.V. Club


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Logan Babin Real Estate and Logan "Hank" Babin, III, agent, are proud to announce the listing of the former home to K+B Industries in East Houma. This campus is home to 12 buildings totaling 117,486 SF of gross building area on 16.07 acres of land. Additional highlights include: 20,872 SF of office space 96,872 SF […]
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text: Hey everyone & Welcome to my Blog! My name is Lainey B., I am a college student who simply loves, loves, loves discussing anything and everything Entertainment! You name it: Music, Movies, Television, and Everyday things; I'll cover it all! So please feel free to comment and feel free express your inner most thoughts about the everyday "happenings" in the World ❤


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UNDULA clothing
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text: Lorentz JáNTSCHI (lori) works ?id=108 [id] => 108 [recorddate] => 2007:05:03:11:48:36 [lastupdate] => 2020:03:31:11:16:36 [type] => article [place] => www & Basel, Internet & Switzerland [subject] => chemistry - computational; chemistry - physical; informatics - applied; informatics - models implementation; mathematics - modeling; mathematics - statistics; research - methodology [relatedworks] => N/A [file] => ?f=108 [mime] => application/pdf [size] => 196540 [pubname] => International Journal of Molecular Sciences [pubinfo] => Molecular Diversity Preservation International [pubkey] => ISSN 1422-0067 [workinfo] => 8(4): 335-345, CAN 147:276982, DOI 10.3390/i8040335 [year] => 2007 [title] => How good can the characteristic polynomial be for correlations? [authors] => Sorana D. BOLBOACĂ, Lorentz JáNTSCHI [abstract] => The aim of this study was to investigate the characteristic polynomials resulting from the molecular graphs used as molecular descriptors in the characterization of the properties of chemical compounds. A formal calculus method is proposed in order to identify the value of the characteristic polynomial parameters for which the extremum values of the squared correlation coefficient are obtained in univariate regression models. The developed calculation algorithm was applied to a sample of nonane isomers. The obtained results revealed that the proposed method produced an accurate and unique solution for the best relationship between the characteristic polynomial as molecular descriptor and the property of interest. [keywords] => Characteristic polynomial; Graph theory; Structure-Property Relationships; Nonane isomers; Henrys law constant (solubility) [acknowledgment] => The research was partly supported by UEFISCSU Romania through project ET46/2006.


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When debating the most physically demanding of athletic disciplines, 'driving' can easily be overlooked. But that's largely because most of us have never had to manoeuvre a 168kg vehicle at speeds of up to 200mph, while rubbing elbows with other racers around a winding circuit that can be lapped in just 86 seconds. A good grip strength just isn't going to cut it.
Riders such as Leon Haslam – who'll be competing in the British Superbike Championship at Brands Hatch this weekend – need high aerobic fitness, unshakeable core strength and the mental clarity of a Shaolin monk.
Reckon you've got what it takes to last the distance? Men's Health asked Haslam for a few training tips, so you can steal pole position, whatever your race.
Men's Health: What does a typical week of training look like for you?
Leon Haslam: My in-season and out-season training are very different. From November to March [out of season] I train twice a day. In the morning I do cardio, core and strengthening, then the afternoons consist of either an hour's cardio or riding a bike – MX, trails, pit bikes or supermoto. In January I go to Spain, as the tracks are really good. The gym work is high intensity – a mix of speed work, circuit training and strength stuff.
MH: Core work must play a big part. Is upper body strength also important for controlling the bike?
LH: The core is the main area we use, so we do a lot of training with crunch machines and floor exercises. Upper body strength is important, but not getting too big is even more important for aerodynamics and weight. The lighter and smaller you are, the better for top speed, acceleration and stopping.
(Related: The workout that will rock your core)
MH: Have you ever used any fitness monitors to track your performance when riding?
LH: Yes, I did a study with Dainese [a manufacturer of protective wear for motorcycling and biking]. The results were interesting. Some of the faster guys have a very low, calm heart rate, where others were obviously pushing their limits and had a high, unstable heart rate. That's why I try to focus on staying relaxed when racing. When you tense up, you're not fast. No matter how fit you are you won't last a race.
MH: How do you train for mental endurance? It must be a challenge to maintain such intense concentration for up to 40 minutes at a time…
LH: I try to relax before a race. I even sleep for 20 minutes, just before. We always go over the race strategy in our heads. We do a lot of focus training, and set challenges in the gym such as rowing for three-minute intervals while aiming for an exact distance over several sets. It keeps the mind and body sharp.
MH: It's a dangerous sport. Do you still get scared?
LH: I think fear can really hinder your performance. But adrenaline can help, especially if you have an injury or are trying to overcome problems. For me, racing is all about controlled aggression.
MH: You suffered a fairly serious injury last month. What has your road to recovery been like?
LH: My last crash left me with a bad concussion, broken neck vertebra and cracked skull. I was seeing a physio and using hyperbaric sessions [oxygen therapy] to speed my recovery. With any of these treatments – hyperbaric, cryotherapy, laser therapy – you can't always tell if anything is happening, but the scientific consensus suggests it makes sense for the recovery process.
(Related: How to get single digit body fat like Lewis Hamilton)
MH: That sounds pretty severe...
LH: I've had a lot of injuries throughout my career, and I've used several things to come back to racing as soon as possible. I remember breaking my tibia [shinbone] on a Tuesday, getting it screwed on a Thursday and racing that Friday, Saturday and Sunday. And I still managed fifth place at the world event.
Leon Haslam rides for JG Speedfit Kawasaki and is a brand ambassador for Vauxhall Motors. Vauxhall Commercial Vehicles is the official commercial vehicle partner for the 2017 MCE British Superbike Championship.


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Calendar is a system to a short time (this kind of because example). These types of names these are known as calendar dates. This date may very well be using the motions of heavenly bodies like the sun and moon. Calendars can also talk about tools that illustrate it.
And also on this event we're going to reveal about depo provera printable calendar 2018 i hope that which we supply below helps with everyone.


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I hope you and your family are well and looking ahead to a fun and relaxing weekend or maybe even some solitude. I'm looking forward to completing my expense reports to get my taxes done and a manicure to celebrate!
Before I do any of that here are three refreshing lessons I've learned over the past several days. Learning through every experience is personal growth.
First off it was exciting co-facilitating two workshops titled: Put Some "Respeck" aka Respect On It, with my BFF La'Verne R. Webb, for the Jefferson College of Biomedical Sciences. The objective was to strengthen the importance of showing respect to all human beings no matter appearance or ethnicity. We used Hip-hop/rap artist Birdman's song Put Some Respeck On My Name as the impetus for the conversation.
The swirl of activity continued at the Urban Art Gallery in West Philly while promoting my book, Gratefully Disappointed. Meeting Spoken Word Artists, clothing designers, culinary artists and media moguls, in an environment that was supportive and encouraging. Darcel Laurie, Moguls in Media, CEO reminded us to remain focused on doing the work necessary to make this world better and to rid ourselves of the naysayers in our lives – delete them from social media accounts and the contact list.
Then there was a celebration for the 30 year career of Kenneth J. Parker a SVP at Pepco Holdings. Connecting with community leaders and learning about the extensive contributions of this very humble human being who has had a major personal impact on a number of people in the room and throughout the global community.
In life there are always lessons, some painful, some thought provoking. Reflecting on each of the experiences above I walked away with these three actions:
Value Humanity
Focus on Your Vision
Pass the Baton
When we Value Humanity, Focus on Our Vision and Pass the Baton we build a world community that is built on respect.
Gratefully Yours,
Read more about how I applied this mantra in my own life and what I learned from it


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Spee Dee Filler Powder Auger 2000Back to All Equipment
Spee Dee, Model Digitronics 2000, semi automatic, single head, auger filler with pounds of product per hour – depending on materials, application and operator dexterity. Accuracies of +/- .001 depending on product and density. Equipped with 22" diameter x 17" deep, stainless steel seamless product hopper with bolt down dust cover, 7" OD product in feed chute, 8" x 5" sight port. Control panel has touch pad controls, push button start / stop / jog, agitation manual / off / auto switch and run / jog switch. Mounted on "H" style stand.
OAD: 43" L x 39" W x 86" H
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- In-House Testing, Proof of Concept, Trial Runs
- On-Site Installation and Training
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- 35 Years In Business
Call us to discuss your packaging or processing project with an experienced Frain Industries engineer


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Market Insider
The Housing Crisis Has Made Parenting A Pipe Dream For Some
A spouse, a house with a picket fence, and kids. The formula for American adulthood has long been established — but what happens when the numbers don't add up?
For HuffPost's Betting The House project, we asked readers to share their housing experiences. Among the more than 600 respondents, dozens described the same struggle: Their housing situation had directly caused them to delay having children, if not forgo them entirely.
American women are already having kids later in life. Last year, The Atlantic reported that in 2017, birth rates were at their lowest in 30 years, with only women over 40 having more kids than before. People are getting married later — or not at all — which can delay parenthood, and more women are choosing to work further into their careers before starting a family.
Now consider that 11 million Americans spend more than half their paychecks on rent, while mortgage rates and home prices have both spiked. The National Low-Income Housing Coalition further noted in its 2018 annual report that to afford a one-bedroom rental home at the average national market rate, a worker earning the federal minimum wage of $7.25 per hour would need to work 99 hours per week, for all 52 weeks of the year. And that doesn't leave much room for savings, which may be why a 2017 study found that 78 percent of workers said they live paycheck-to-paycheck.
When a house costs so much and babies can be postponed just a little bit longer, it's easy to see how the formula goes awry. On top of that, America is uniquely bad at taking care of parents: It's the only developed country that does not federally mandate paid leave for new mothers, which means that infant can cost you money even before you buy your first round of diapers, thanks to lost wages.
HuffPost spoke with three women to hear how their financial and housing uncertainty led them to put off having kids. Here, briefly, are their stories.
"We just can't meet those other needs."
For Naomi Mac Ross, one thing is sure: "I will not have a child in someone else's basement," she told HuffPost. For $1,200 a month, Ross and her husband currently rent a one-bedroom basement apartment on New York's Long Island.
The rent is uncomfortably high for the couple, Ross said. Her husband was laid off from a job a few years ago, which "kind of derailed everything," and while both work full-time now, they still live paycheck-to-paycheck.
Their apartment, meanwhile, is "definitely not [big enough] for a kid," Ross said. Moving is "absolutely" a top priority. Her sister had a son recently, which opened Ross' eyes to just how much space even a tiny person needs.
At 35, Ross expected she'd have a kid by now. She and her husband are open to adopting, but they've also made peace with the idea of ending up childless. "I think my husband and I would make really good parents," Ross said. "We just can't meet those other needs that are necessary to have a child."
"It's one of the things that our relationship was founded on."
Before they started dating, Jessyca and Evie Taborsmith had been friends for months. That's how they knew going into their relationship that they both wanted kids. "It's one of the things that our relationship was founded on," Jessyca, 25, told HuffPost.
Now married, the couple lives in San Francisco where Evie, 30, is enrolled in graduate school. But living in a notoriously pricey city has delayed their child-rearing plans: They pay $1,895 per month for a studio apartment, which amounts to nearly half of Jessyca's gross annual income of $47,000. (Evie works on the side as a teaching assistant, but the hours are limited.)
For that rent, they get a small kitchen and bathroom, plus a bedroom area where they've crammed most of their furniture. Jessyca recently learned that her mother's mortgage in Southern California is "significantly less" than their Bay Area rent. "We have a really small studio," she said. "The fact that I could potentially have a house somewhere for less than what I pay ― it blows my mind."
The pair hopes to leave San Francisco for a cheaper city after Evie graduates. But given that they're a lesbian couple and Evie is transgender, there's "only so flexible we can be," said Jessyca.
"If we had a place that could fit a family, and it was affordable enough that we could pay for the house and still have more than like $200 left for everything else, kids would be absolutely at the forefront," Jessyca said. "We really want children."
"I told my husband, 'I'm not staying in Atlanta.'"
Katie Spotswood's 8-month-old son has already lived in two cities: Atlanta, Georgia, and Auburn, Alabama. That's because just two weeks after giving birth, the 29-year-old moved her family one state west, into her in-laws' home in Auburn.
When Spotswood and her husband married about two years ago, they thought they'd wait on starting a family. They weren't 100 percent ready and living in Atlanta wasn't helping: Their home was "an OK apartment that had a little lipstick on it" and was "too expensive for our incomes," Spotswood told HuffPost. The Alabama native knew that back home, they could get much more for much less.
When Spotswood did get pregnant, their apartment became just one of many city-based concerns. "I'd have to be a stay-at-home mom, but then how could we afford an apartment? Or I'm gonna have to work these crazy hours, never see [my husband] and barely afford to have an apartment and childcare — if we could even find childcare," she said, describing her thoughts at the time.
So she made a decision: "I told my husband, 'I'm not staying in Atlanta,'" Spotswood said. Her in-laws in Auburn had long joked about having the whole family under one roof and Spotswood yearned for the slower-paced lifestyle she grew up with, so the choice seemed clear.
The young family now shares one room in a five-bedroom house, but it's large enough to fit a bed, three dressers and a sectional couch — not to mention a crib and changing table for the baby.
"It's worked out really well," Spotswood said of multigenerational living. For "a lot of people, at least that I'm with in Alabama and in the Southeast," she added, "it kind of seems like it's becoming necessary."
Change on the horizon?
While housing costs seem stuck on high, legislation is being introduced that could ease the costs of parenthood. And with a fresh slate of officials taking office after the 2018 midterm elections, there's more reason for hope.
Federally mandated paid family leave is likely still a ways off, but a few states have taken it upon themselves to provide it. Four states — California, Rhode Island, New Jersey and New York — offer paid family and medical leave today, while a fifth, Washington, will do so starting next January. (The latter state began collecting taxes to fund the program this month.) The District of Columbia also has a leave program set to take effect in July 2020.
Meanwhile,Republican Govs. Chris Sununu (N.H.) and Phil Scott (Vt.) introduced the idea of a voluntary two-state program in January. It would offer six weeks of partially paid family or medical leave, to be provided by private insurers. In Colorado, the new Democratic majority in the statehouse is expected to make paid family leave a priority. In California, new Gov. Gavin Newsom (D) has proposed to expand the state's offering from six weeks of paid leave to a cumulative six months per baby, allowing two adult caretakers to each take two to four months of paid leave.
On the federal level, Sen. Kirsten Gillibrand (D-N.Y.) announced her 2020 presidential run earlier this month on the strength of her record of supporting women and families. Universal paid family leave is expected to be a pillar of her agenda; Gillibrand has introduced a bill to establish that policy in every Congress since 2013.
Of course, promises and proposals don't change the logistics of family planning today. And it can feel devastating when things out of your control get in the way of longed-for children.
Don't beat yourself up, said Ross. "I would say, for people who are struggling with this, maybe ease up on yourselves a little," she advised. "I could sit here getting depressed and angry that I'm not where I want to be, or I could be grateful that I do have a roof over my head. … It's OK to be where you're at, even if you don't like it."
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Market Insider
4 things kids need to know about money
(NC) Responsible spending includes knowing the difference between wants and needs. Back-to-school season, with added expenses and expectations around spending, is the perfect time to not only build your own budget for the year ahead, but also to introduce your own children to the concept of budgeting.
The experts at Capital One break down four basic things that every child should know about money, along with tips for bringing real-life examples into the conversation.
What money is. There's no need for a full economic lesson,but knowing that money can be exchanged for goods and services, and that the government backs its value, is a great start.
How to earn money. Once your child understands what money is, use this foundational knowledge to connect the concepts of money and work. Start with the simple concept that people go to work in exchange for an income, and explain how it may take time (and work) to save for that new pair of sneakers or backpack. This can help kids develop patience and alleviate the pressure to purchase new items right away that might not be in your budget.
The many ways to pay. While there is a myriad of methods to pay for something in today's digital age, you can start by explaining the difference between cash, debit and credit. When teaching your kids about credit, real examples help. For instance, if your child insists on a grocery store treat, offer to buy it for them as long as they pay you back from their allowance in a timely manner. If you need a refresher, tools like Capital One's Credit Keeper can help you better understand your own credit score and the importance of that score to overall financial health.
How to build and follow a budget. This is where earning, spending, saving and sharing all come together. Build a budget that is realistic based on your income and spending needs and take advantage of banking apps to keep tabs on your spending in real-time. Have your kids think about how they might split their allowance into saving, spending and giving back to help them better understand money management.
Market Insider
20 Percent Of Americans In Relationships Are Committing Financial Infidelity
Nearly 30 million Americans are hiding a checking, savings, or credit card account from their spouse or live in partner, according to a new survey from CreditCards.com. That's roughly 1 in 5 that currently have a live in partner or a spouse.
Around 5 million people — or 3 percent — used to commit "financial infidelity," but no longer do.
Of all the respondents, millennials were more likely than other age groups to hide financial information from their partner. While 15 percent of older generations hid accounts from their partner, 28 percent of millennials were financially dishonest.
Regionally, Americans living in the South and the West were more likely to financially "cheat" than those living in the Northeast and Midwest.
Insecurity about earning and spending could drive some of this infidelity, according to CreditCards.com industry analyst Ted Rossman.
When it comes to millennials, witnessing divorce could have caused those aged 18-37 to try and squirrel away from Rossman calls a "freedom fund".
"They've got this safety net," Rossman said. They're asking: "What if this relationship doesn't work out?"
As bad as physical infidelity
More than half (55 percent) of those surveyed believed that financial infidelity was just as bad as physically cheating. That's including some 20 percent who believed that financially cheating was worse.
But despite this, most didn't find this to be a deal breaker.
Over 80 percent surveyed said they would be upset, but wouldn't end the relationship. Only 2 percent of those asked would end the relationship if they discovered their spouse or partner was hiding $5,000 or more in credit card debt. That number however is highest among those lower middle class households ($30,000-$49,999 income bracket): Nearly 10 percent would break things off as a result.
Roughly 15 percent said they wouldn't care at all. Studies do show however that money troubles is the leading cause of stress in a relationship.
That's why, Rossman says, it's important to share that information with your partner.
"Talking about money with your spouse isn't always easy, but it has to be done," he said. "You can still maintain some privacy over your finances, and even keep separate accounts if you and your spouse agree, but you need to get on the same page regarding your general direction, otherwise your financial union is doomed to fail."
With credit card rates hovering at an average of 19.24 percent APR, hiding financial information from a partner could be financially devastating.
But, Rossman adds, it's not just about the economic impact but also the erosion of trust.
"More than the dollars and cents is that trust factor," he said. "I think losing that trust is so hard to regain. That could be a long lasting wedge."
Kristin Myers is a reporter at Yahoo Finance. Follow her on Twitter.
Market Insider
7 Examples Of Terrible Financial Advice We've Heard
Between television, radio, the internet and well-meaning but presumptuous friends and family, we're inundated with unsolicited advice on a daily basis. And when it comes to money, there's a ton of terrible advice out there. Even so-called experts can lead us astray sometimes.
Have you been duped? Here are a few examples of the worst money advice advisers, bloggers and other personal finance pros have heard.
1. Carry a balance to increase your credit score.
Ben Luthi, a money and travel writer, said that a friend once told him that his mortgage loan officer advised him to carry a balance on his credit card in order to improve his credit score. In fact, the loan officer recommended keeping the balance at around 50 percent of his credit limit.
"This is the absolute worst financial advice I've ever heard for several reasons," Luthi said. For one, carrying a credit card balance doesn't have any effect on your credit at all. "What it does do is ensure that you pay a high interest rate on your balance every month, neutralizing any other benefits you might get from the card," Luthi explained. "Also, keeping a 50 percent credit utilization is a surefire way to hurt your credit score, not help it."
Some credit experts recommend keeping your balance below 30 percent of the card limit, but even that's not a hard-and-fast rule. Keeping your balance as low as possible and paying the bill on time each month is how you improve your score.
2. Avoid credit cards ― period.
Credit cards can be a slippery slope for some people; overspending can lead to a cycle of debt that's tough to escape.
But avoiding credit cards on principle, something personal finance gurus like Dave Ramsey push hard, robs you of all their potential benefits.
"Credit cards are a good tool for building credit and earning rewards," explained personal finance writer Kim Porter. "Plus, there are lots of ways to avoid debt, like using the card only for monthly bills, paying off the card every month and tracking your spending."
If you struggle with debt, a credit card is probably not for you. At least not right now. But if you are on top of your finances and want to leverage debt in a strategic way, a credit card can help you do just that.
3. The mortgage you're approved for is what you can afford.
"The worst financial advice I hear is to buy as much house as you can afford," said R.J. Weiss, a certified financial planner who founded the blog The Ways to Wealth. He explained that most lenders use the 28/36 rule to determine how much you can afford to borrow: Up to 28 percent of your monthly gross income can go toward your home, as long as the payments don't exceed 36 percent of your total monthly debt payments. For example, if you had a credit card, student loan and car loan payment that together totaled $640 a month, your mortgage payment should be no more than $360 (36 percent of $1,000 in total debt payments).
"What homeowners don't realize is this rule was invented by banks to maximize their bottom line ― not the homeowner's financial well-being," Weiss said. "Banks have figured out that this is the largest amount of debt one can take on with a reasonable chance of paying it back, even if that means you have to forego saving for retirement, college or short-term goals."
4. An expensive house is worth it because of the tax write-off.
Scott Vance, owner of taxvanta.com, said a real estate agent told him when he was younger that it made sense to buy a more expensive house because he had the advantage of writing off the mortgage interest on his taxes.
But let's stop and think about that for a moment. A deduction simply decreases your taxable income ― it's not a dollar-for-dollar reduction of your tax bill. So committing to a larger mortgage payment to take a bigger tax deduction still means paying more in the long run. And if that high mortgage payment compromises your ability to keep up on other bills or save money, it's definitely not worth it.
"Now, as a financial planner focusing on taxes, I see the folly in such advice," he said, noting that he always advises his client to consider the source of advice before following it. "Taking tax advice from a Realtor is … like taking medical procedure advice from your hairdresser."
5. You need a six-month emergency fund.
One thing is true: You need an emergency fund. But when it comes to how much you should save in that fund, it's different for each person. There's no cookie-cutter answer that applies to everyone. And yet many experts claim that six months' worth of expenses is exactly how much you should have socked away in a savings account.
"I work with a lot of Hollywood actors, and six months won't cut it for these folks," said Eric D. Matthews, CEO and wealth adviser at EDM Capital. "I also work with executives in the same industry where six months is overkill. You need to strike a balance for your work, industry and craft."
If you have too little saved, a major financial blow can leave you in debt regardless. And if you set aside too much, you lose returns by leaving the money in a liquid, low-interest savings account. "The generic six months is a nice catch-all, but nowhere near the specific need of the individual's unique situation… and aren't we all unique?"
6. You should accept your entire student loan package.
Aside from a house, a college education is often one of the biggest purchases people make in their lifetimes. Often loans are needed to bridge the gap between college savings and that final tuition bill. But just because you're offered a certain amount doesn't mean you need to take it all.
"The worst financial advice I received was that I had to accept my entire student loan package and that I had no other options," said Gina Zakaria, founder of The Frugal Convert. "It cost me a lot in student loan debt. Now I tell everyone that you never have to accept any part of a college financial package that you don't want to accept." There are always other options, she said.
7. Only invest in what you know.
Even the great Warren Buffett, considered by many to be the best investor of all time, gets it wrong sometimes. One of his most famous pieces of advice is to only invest in what you know, but that might not be the right guidance for the average investor.
In theory, it makes sense. After all, you don't want to tie up your money in overly complicated investments you don't understand. The problem is, most of us are not business experts, and it's nearly impossible to have deep knowledge of hundreds of securities. "Diversification is key to a good portfolio, and investing in what you know leads to a very un-diversified portfolio," said Britton Gregory, a certified financial planner and principal of Seaborn Financial. "Instead, invest in a well-diversified portfolio that includes many companies, even ones you've never heard of."
That might mean enlisting the help of a professional, so make sure it's one who has your best interests at heart.
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text: Flintlock drill manual needed -- myArmoury.com About • Links • Search • Contribute Features Reviews Collections Albums Forums Books Info Favorites Register Log in myArmoury.com Discussion Forums Forum index Memberlist Usergroups Spotlight Topics Search Forum Index > Off-topic Talk > Flintlock drill manual needed This is a standard topic Author Message Rex Wright Location: OmahaJoined: 11 Feb 2010 Posts: 1 Posted: Sun 14 Feb, 2010 3:25 pm Post subject: Flintlock drill manual needed I am looking for a source for flintlock drill manuals. I have a 1786 French Hussar's musketoon and am seeking the appropriate drill manual. There is a french manual from 1791 that would be appropriate or one created for the U.S. Army in about 1810 that is essentially a direct translation of the earlier French work. This is probably the better one for me since I am not conversant in French. Any suggestions on a source for such will be much appreciated. Rex Wright 1st Nebraska Volunteer Infantry A. Spanjer Location: USAJoined: 26 Apr 2009 Posts: 242 Posted: Sun 14 Feb, 2010 4:26 pm Post subject: This may be what you're looking for... http://www.myArmoury.com/books/item.0486249344.html Na sir 's na seachain an cath. GG Osborne Joined: 21 Mar 2006 Spotlight topics: 1Posts: 487 Posted: Sun 14 Feb, 2010 10:01 pm Post subject: In 1810, the US Army was essentially still using Von Stuben's drill manual from the Revolutionary period (with some minor variations) which was a simplified version of the drill used by the armies of Frederick the Great. Von Steben's manual is available from a number of commercial sources. "Those who live by the sword...will usually die with a huge, unpaid credit card balance!" Lin Robinson Location: NCJoined: 15 Jun 2006 Likes: 6 pagesReading list: 6 books Posts: 1,237 Posted: Mon 15 Feb, 2010 3:33 am Post subject: Track of the Wolf has it for $7.95 plus shipping. I have a copy and it is very interesting and, as Glen says, it was the manual for US soldiers until 1812. www.trackofthewolf.com. Lin Robinson "The best thing in life is to crush your enemies, see them driven before you and hear the lamentation of their women." Conan the Barbarian, 1982 Display posts from previous: All Posts1 Day7 Days2 Weeks1 Month3 Months6 Months1 Year Oldest FirstNewest First Forum Index > Off-topic Talk > Flintlock drill manual needed Page 1 of 1 All times are GMT - 8 HoursView previous topic :: View next topic Jump to: Select a forum Discussion and Research----------------Historical Arms TalkmyArmoury.com Features Talk-- Suggestions, Requests and Support-- Testing ZoneMakers and Manufacturers Talk Miscellaneous Discussion----------------Off-topic Talk Special Interest Area----------------The Marketplace-- Marketplace Feedback You cannot post new topics in this forumYou cannot reply to topics in this forumYou cannot edit your posts in this forumYou cannot delete your posts in this forumYou cannot vote in polls in this forumYou cannot attach files in this forumYou can download files in this forum All contents © Copyright 2003-2020 myArmoury.com All rights reserved Discussion forums powered by phpBB © The phpBB Group Switch to the Basic Low-bandwidth Version of the forum


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Part 4
That Faith in Christ Justifies.
In the first place, lest any one may think that we speak concerning an idle knowledge of the history, we must declare how faith is obtained [how the heart begins to believe]. Afterward we will show both that it justifies, and how this ought to be understood, and we will explain the objections of the adversaries. Christ, in the last chapter of Luke 24, 47, commands that repentance and remission of sins should be preached in His name. For the Gospel convicts all men that they are under sin, that they all are subject to eternal wrath and death, and offers for Christ's sake remission of sin and justification, which is received by faith. The preaching of repentance, which accuses us, terrifies consciences with true and grave terrors. [For the preaching of repentance, or this declaration of the Gospel: Amend your lives! Repent! When it truly penetrates the heart, terrifies the conscience, and is no jest, but a great terror, in which the conscience feels its misery and sin and the wrath of God.] In these, hearts ought again to receive consolation. This happens if they believe the promise of Christ, that for His sake we have remission of sins. This faith, encouraging and consoling in these fears, receives remission of sins, justifies and quickens. For this consolation is a new and spiritual life [a new birth and a new life]. These things are plain and clear, and can be understood by the pious, and have testimonies of the Church [as is to be seen in the conversion of Paul and Augustine]. The adversaries nowhere can say how the Holy Ghost is given. They imagine that the Sacraments confer the Holy Ghost ex opere operato, without a good emotion in the recipient, as though, indeed, the gift of the Holy Ghost were an idle matter.
But since we speak of such faith as is not an idle thought, but of that which liberates from death and produces a new life in hearts [which is such a new light, life, and force in the heart as to renew our heart, mind, and spirit, makes new men of us and new creatures,] and is the work of the Holy Ghost; this does not coexist with mortal sin [for how can light and darkness coexist?], but as long as it is present, produces good fruits as we will say after a while. For concerning the conversion of the wicked, or concerning the mode of regeneration, what can be said that is more simple and more clear? Let them, from so great an array of writers, adduce a single commentary upon the Sententiae that speaks of the mode of regeneration. When they speak of the habit of love, they imagine that men merit it through works and they do not teach that it is received through the Word, precisely as also the Anabaptists teach at this time. But God cannot be treated with, God cannot be apprehended, except through the Word. Accordingly, justification occurs through the Word, just as Paul says, Rom. 1, 16: The Gospel is the power of God unto salvation to every one that believeth. Likewise 10, 17: Faith cometh by hearing. And proof can be derived even from this that faith justifies, because, if justification occurs only through the Word, and the Word is apprehended only by faith, it follows that faith justifies. But there are other and more important reasons. We have said these things thus far in order that we might show the mode of regeneration, and that the nature of faith [what is, or is not, faith], concerning which we speak, might be understood.
Now we will show that faith [and nothing else] justifies. Here, in the first place readers must be admonished of this, that just as it is necessary to maintain this sentence: Christ is Mediator, so is it necessary to defend that faith justifies, [without works]. For how will Christ be Mediator if in justification we do not use Him as Mediator; if we do not hold that for His sake we are accounted righteous? But to believe is to trust in the merits of Christ, that for His sake God certainly wishes to be reconciled with us. Likewise, just as we ought to maintain that, apart from the Law, the promise of Christ is necessary, so also is it needful to maintain that faith justifies. [For the Law does not preach the forgiveness of sin by grace.] For the Law cannot be performed unless the Holy Ghost be first received. It is, therefore, needful to maintain that the promise of Christ is necessary. But this cannot be received except by faith. Therefore, those who deny that faith justifies, teach nothing but the Law, both Christ and the Gospel being set aside.
But when it is said that faith justifies, some perhaps understand it of the beginning, namely, that faith is the beginning of justification or preparation for justification, so that not faith itself is that through which we are accepted by God, but the works which follow; and they dream, accordingly, that faith is highly praised, because it is the beginning. For great is the importance of the beginning, as they commonly say, Archae aemioy pantos, The beginning is half of everything; just as if one would say that grammar makes the teachers of all arts, because it prepares for other arts, although in fact it is his own art that renders every one an artist. We do not believe thus concerning faith, but we maintain this, that properly and truly, by faith itself, we are for Christ's sake accounted righteous, or are acceptable to God. And because "to be justified" means that out of unjust men just men are made, or born again, it means also that they are pronounced or accounted just. For Scripture speaks in both ways. [The term "to be justified" is used in two ways: to denote, being converted or regenerated; again, being accounted righteous.] Accordingly we wish first to show this, that faith alone makes of an unjust, a just man, i.e., receives remission of sins.
The particle alone offends some, although even Paul says, Rom. 3, 28: We conclude that a man is justified by faith, without the deeds of the Law. Again, Eph. 2, 8: It is the gift of God; not of works, lest any man should boast. Again, Rom. 3, 24: Being justified freely. If the exclusive alone displeases, let them remove from Paul also the exclusives freely, not of works, it is the gift, etc. For these also are [very strong] exclusives. It is, however, the opinion of merit that we exclude. We do not exclude the Word or Sacraments, as the adversaries falsely charge us. For we have said above that faith is conceived from the Word, and we honor the ministry of the Word in the highest degree. Love also and works must follow faith. Wherefore, they are not excluded so as not to follow, but confidence in the merit of love or of works is excluded in justification. And this we will clearly show.
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Contact Information
214 S Oak St
Adamsville, TN - 38310
214 S Oak St
Adamsville, TN - 38310
Head Start programs provide free learning services to children ages 3 to 5 from low-income families. Children with disabilities welcomed at Head Start Centers.
Eligibility is based on family income at or below the poverty line according to the Poverty Guidelines established by the federal government. Children in foster care, homeless children, and children from families receiving public assistance (TANF or SSI) are eligible regardless of income.


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Our Mission
With few years of hard work and collective effort, we have built a new facility that provides suitable capacity and utility conducive for carrying out the Halton-Peel Buddhist Cultural Society's Vision and Mission.
Your funds contributes towards sustainable means to payoff the loans, the mortgage, and operations of the new "West End Buddhist Cultural and Meditation Centre" facility.
About HALTON PEEL BUDDHIST CULTURAL SOCIETY
Westend Buddhist Cultural and Meditation Centre/Vihara, managed by Halton-Peel Buddhist Cultural Society, established in December 1992 and located in Toronto, Mississauga, Canada provides spiritual, religious and cultural needs to the people in Toronto (GTA), Mississauga, Brampton, Caledon, Oakville, Burlington, Hamilton and Milton.
Of the many regular services that the West End Buddhist Centre provides they conduct daily and weekend worship, Sunday Dhamma School with a student body of 350, ongoing weekly meditation sessions, weekly study session of the Suttas, and they have a growing enthusiastic youth forum. Buddhist study classes include teaching, Buddhist Philosophy, Buddhist Scriptural Studies, Pali, Sanskrit and Sinhala.


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The manager of a sports shop has avoided jail after stealing almost £5,000 from the business.
Kessar Smith, 25, took the money from JD Sports on Mill Street in Macclesfield where he worked as store manager.
The fraud was committed between March 16 and June 23 and totalled £4,936.
Smith, of Alderue Avenue, Manchester, admitted fraud by abuse of position at Macclesfield magistrates court on December 1.
He was sentenced to 16 weeks in prison suspended for 12 months.
However Smith must wear an electronic tag for three months after he was given a curfew preventing him from leaving his house between 9pm and 5am.
The order lasts until February 29.
Smith was also ordered to pay back the full amount to the JD Sports.
Smith also faces having to pay court costs of £345, which includes an £80 victim surcharge, £85 prosecution costs and £180 criminal courts charge.
The Express was unable to contact JD Sports Ltd for a comment.
JD Sports is a retail chain specialising in designer branded training shoes, casual sportswear and accessories.


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First upload is my newest Sim, Sora from the Kingdom Hearts games which is my fastest downloaded Sim on the exchange. I wasn't personally satisfied with the other Soras found on the exchange so I made my own. While nobody has created his true outfit for the Sims 3, I've tried my best to recreate it as seen here. He uses a lot of custom content which is listed below. I didn't do anything with his other outfits (formal, sleepwear, etc) so thats up to you to change if you choose to do so as its mostly random stuff.
Name: Sora
Gender: Male
Age: Young Adult
Type: Human
Hair Color: Blond-Brown
Eye Color: Blue
Traits: Good Sense of Humor, Adventurous, Brave, Charismatic, Friendly
Custom Content Not Included
You'll need the following things to get the same look as the screenshots which aren't included in the download:
The Hoodie (has Sims3Pack and Package File Options): Mediafire
Skin (the nondefault one labeled "Eskin-nATRUAL+Tan.7z"): Mod the Sims
Hair: Mediafire
Eyes (contact version): Mod the Sims
Gloves: Ptylos @ Wordpress
Necklace: My Blue Book Blog
Keyblade (optional): Free on the Sims Resource
Sliders used:
Shoulder width: Mod the Sims
Height Slider: Mod the Sims
Games used in this Creation:
Base game compatible.
World Adventures optionally needed for Adventurous trait.
Showtime is for his shoes.
More Info:
He is a young adult as the clothing is for that agegroup only. I've used the sliders above to make him appear younger/smaller as well as just fiddling with facial features. He is packaged with a normal EA skintone. You'll have to apply the custom skintone yourself upon going into CAS.
And one last note is that if you want him to carry the keyblade and wear the belt at the same time, you'll need a mod that will let you have Sims wear multiple accessories per location as both are categorized as rings. I use Nrass Master Controller for this. The setting should be turned on from town hall/a computer under the mod's general settings for CAS. If you only want him to use one at a time, you won't need a mod. Personally, I only included the keyblade for screenshots cause some actions look downright silly with it stuck to his hand constantly.


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Please note that a due to a recent regulation by the government of India only married couples from abroad can now apply for surrogacy in India. Unmarried Indian citizens and singles can still apply.
Also, you will need to visit India for surrogacy on a medical visa only. To apply for a medical visa, send us your details here and we will send you an invitation letter to apply for medical visa at the Indian embassy.
Go IVF Surrogacy prides itself on being one of the largest and most successful gestational surrogacy programs in India. All prospective gestational carriers go thorough medical and psychological screenings by Go Surrogacy clinics and then expertly matched with Intended Parents in order to achieve the best possible outcome, that is, a healthy full-term pregnancy and live birth.
Married Couples can either opt for Gestational Surrogacy with the eggs of the female intended parent or Surrogacy with an Egg Donor.
Over 50 percent of gestational surrogacy cycles result in pregnancy (though the success rate varies depending on the carrier, egg(s), and sperm). Gestational surrogacy is recommended when the female intended parent is unable to carry a pregnancy (though she may have normal ovarian function and is able to produce normal eggs) or when there is no female partner.
Reasons for gestational surrogacy include:
The process of gestational surrogacy involves in vitro fertilization (IVF). The female Intended Parent (or egg donor) receives hormonal medications to generate multiple eggs. The eggs are then harvested and fertilized with the male partner's sperm and the healthy embryos are transferred into the uterus of the gestational carrier, who has been treated with hormones.
The success of gestational surrogacy is high and largely depends on the quality of the eggs and the sperm. Gestational surrogates are carefully chosen and screened by Go Surrogacy Clinics, in order to increase the chances of the surrogate becoming pregnant and having a successful pregnancy and live birth.
We recognize that surrogacy with the eggs of the female intended parent and sperms of male intended parent would be your first choice. The fertility physician will ask for a few medical reports of both the intended parents to opine on your possibilities. These medical reports will be to check the sperms of the male intended parent and the ovarian function of the female intended parent. To receive a full list of tests and get a free no – obligation opinion from one of our IVF specialist .
The Cost of Surrogacy is offered as a package by Go Surrogacy. The cost varies if you opt for surrogacy with your own eggs or with an egg donor. To get a detailed pricing and payment schedule of surrogacy, click here.
We thank to Go IVF Surrogacy clinic which offers us the best fertility treatment which helps us in conceiving our own baby as well as it saves our lot of money, time and energy.
Our great thanks to Go IVF Surrogacy clinic where fertility experts treat us as their own family member and help us throughout our journey of conceiving a baby.
Our all credit goes to Go IVF Surrogacy clinic where the fertility experts understand our condition and accordingly they offer us the best fertility treatment which fulfils our dreams.


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Andy Carroll and DeAndre Yedlin are close to a return to the first-team and could play a part in Newcastle's pivotal game against Brighton on Saturday.
Carroll, who re-joined his boyhood club on a free transfer from West Ham in the summer, arrived with an ankle injury and has yet to play for Newcastle since his return.
Yedlin, meanwhile, suffered a groin injury at the end of last season and proceeded to undergo surgery. However, the USA international received a setback in August, having felt a pain in his abductor, requiring a further scan.
However, the pair could potentially play a part in Newcastle's weekend match against Brighton. With the two sides only one point away from each other, many on Tyneside consider the clash a six-pointer even at this early stage of the season.
Regarding Carroll's possible involvement, journalist Lee Ryder of ChronicleLive explained: "Newcastle are treading carefully on this one. Carroll has had the go ahead from a specialist but now needs to get through the last few sessions before the weekend.
"If he does and there's no reaction on his ankle then he will be on the bench against Brighton and will be poised for a second debut."
Swedish right back Emil Krafth has deputised for Yedlin so far this season, having been signed from French side Amiens this summer. However, there were concerns about his performance at Anfield, where he struggled with the pace and trickery of Sadio Mane.
Ryder continued: "It's still early days for Yedlin but he is certainly an option.
"I don't think we have seen the best of Krafth but those close to him say he will be a valued teammate once he's settled the club."
Source : 90min


text: With only a couple of live dates remaining before the year is out and we head back into the studio, we're back at the Napier in Blackburn for what should be another excellent outing. Could well be a night for some obscure songs showing up in the set, it will most certainly be a night for beers and partying. Hope to see you there.


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Car Insurance: Know the basics of your policy.
Let's be honest, most people don't know a whole lot about their car insurance policy. You know that you are legally required to have it to drive your vehicle but have no idea what type of coverage you should have, what coverages exist and when they apply. So here are a few important coverages to catch you up on so you know the basics.
- Liability Coverage: If you are involved in a car accident and you are at fault, this coverage responds to take care of the other drivers' medical expenses and damage to their vehicle. This will protect you from being sued by the other driver for their damages and allow your insurance company to negotiate a settlement with them.
- Comprehensive or Other Than Collision Coverage: If you live in Wooster, Ohio or the surrounding area, you know that Fall means two things Football and Deer. Comprehensive coverage will take care of your vehicle in the event you hit a deer or another wild animal. Damage caused to your vehicle from fire, theft, wind, hail and falling objects (branch falls on your car) are normally covered perils under this coverage. A deductible applies to this coverage and normally you can choose a deductible between $100 and $1,000
- Collision Coverage: This coverage is for the damage done to your vehicle in the event you are involved in an accident and collide with another vehicle or stationary object. It is important to mention that in cases where the other driver is at fault, their liability coverage would respond to cover the damage done to your vehicle or any injuries you sustained. A deductible applies to this coverage as well and normally you can choose a deductible between $100 and $1,000
- Uninsured/Underinsured Motorist coverage: This will protect you in the event you are involved in an accident and injured by another driver who was at fault and they do not have insurance or do not have enough insurance to cover the injuries you sustained. According to its latest research conducted in 2015, the Insurance Information Institute stated that 12.4% of drivers in Ohio are uninsured.
- Medical Payments Coverage: This coverage is written to cover any medical bills incurred by you or any of the passengers in your vehicle if you are injured in an accident. This coverage applies regardless of who was at fault in the accident.
- Transportation Expense: If you need a rental vehicle while your vehicle is being repaired, due to a covered loss, transportation expense coverage will cover the cost of the rental car. When you purchase the policy, you can select the daily limit (normally starts at $20 a day) that the company will pay for each day you have the rental. There will also be a limit on the maximum amount the company will reimburse you for.
So now that you know the basics of auto insurance coverage, look at your existing policy and make sure these coverages are in place. Nothing is worse than having an accident and wondering if you had the right coverage. For more information call Hancock Insurance in Wooster and one of our agents will walk you through coverage options available to you.
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By Stephen Kangal
February 06, 2008
The soul and spirit that presides over the terrific and tranquil Northern Range Caura shrine served up an unspoilt mecca for relaxation for over sixty years. It catered with its lush vegetation canopy for the recreational and unwinding needs of thousands. That is the unique heritage that is now being desecrated by lawless brigands and shameless bandits causing worshippers to scurry for their lives. These bandits must remember that a Catholic Priest cast a curse on the building of the corruption-riddled Caura Water Dam on the site of a previous church and it never materialised. Those who desecrate the Caura peace will surely pay for their sacrilege and disrespect to the gods that inhabit this sanctuary.
Continue reading Desecrating the Soul of Caura


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Cross-country Skiing in Antarctica
Antarctica was long considered the "final frontier" for Alpine and Nordic skiers. In a sense this is somewhat ironic, as all of the early Antarctic explorers including Amundsen and Scott traveled on skis. Certainly snow is not a problem when one thinks of Antarctica – it's getting there that's been the hold-up. No longer, though, thanks to a company called Adventure Network International. Established in 1985, Salt Lake City, Utah based ANI opened up the Southern Continent to recreational tourism by providing a safe and reliable air travel and ground support network to satisfy the needs of their customers.
The company provides round trip flights from Punta Arenas in southern Chile with stopovers at several Antarctic locations including 16,000 ft. high Vinson Massif, the Emperor Penguin colony at Dawson-Lambton Glacier and even the South Pole itself!
Adventure Network International has arranged a set of ski programs that allow modern-day adventurers to experience the combination of exhilaration and terror those early explorers faced nearly a century ago. The "Ski All The Way" program is just that: a 65 day, 730 mile trip from Hercules Inlet on the coast all the way south, right to the Pole itself. Skiers can expect to put in at least 7 hours a day skiing; dragging a hundred-pound sled behind them and gradually climbing 9,300 feet to the windswept Antarctic Plateau. Above are the bluest skies you'll ever see; below lies 10,000 feet of compacted snow and ice. One thing the skiers won't have to worry about is darkness – in the Antarctic summer, the sun never sets!
Of course, "summer" is a relative term. This is Antarctica after all, and even at its warmest, the winds that howl over the treeless snowscape are bone-chillingly cold. Skiing the frozen continent may be the toughest thing any sportsman or sportswoman will ever do, but just imagine the feeling of arriving at the South Pole by your own power. Think about it: as you ski a tight circle around the Pole, you're also skiing around the world. Add that one to your resume!


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I want to talk about light (or the lack of it, as it is in Finland). As you know, the winter in Finland is awfully long and dark. That is the case especially if there's no snow, and there usually isn't. Miracously, the past few weeks have been beautiful and snowy. The spring is also coming, and therefore the amount of light increases all the time.
But as there are still a few winter months left, I'll tell you how I lighten up my winter.
I love the athmosphere that candles and Christmas lights create. (I don't love Christmas lights because of the fact thet they remind me of Christmas, but simply because they are beautiful and I love all the things that are pretty.) And so I keep candles and some Christmas lights in my room trough the darkest season. Though they are not very bright, they still cheer me up.♥
Some pitures from my room:


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Black Bean and Lentil Salad with Red Bell Pepper, Cumin, and Cilantro
Black Bean and Lentil Salad with Red Bell Pepper, Cumin, and Cilantro is a salad recipe is I used to make on a houseboat, so you know it must be easy! Check out Salad Recipes for more salad ideas.
Click to PIN Black Bean and Lentil Salad with Red Bell Pepper, Cumin, and Cilantro!
This salad with black beans and lentils is something I used to include on nearly every menu back in the days when I organized catered houseboat trips at Utah's Lake Powell. I used brown lentils in those days, but now that food bloggers have tipped me off about the small green French lentils which hold their shape a little better in a dish like this, I prefer using the green French lentils in the salad. At Lake Powell I would have served this as a side dish with something like grilled chicken or fish, or it could be a good vegetarian main dish.
In the Lake Powell days I had barely discovered cilantro, which is something my friends now probably find hard to imagine. Nearly twenty years ago I wrote a little self-published cookbook of Lake Powell favorite recipes. The recipe for this salad listed parsley as an ingredient, and years later I had crossed out the word "parsley" in my one remaining copy and put "cilantro." Of course my love of cilantro is now well documented, but I've also learned there's a good reason some people don't like it. A poster on Chowhound suggests celery leaves can substitute for cilantro if you have a cilantro-hater in your midst, which sounds interesting. This week's host for Weekend Herb Blogging is Katie of Thyme for Cooking, who isn't a big cilantro fan, although she's giving it a try lately. (Katie, you can use celery leaves if you make this salad, and I promise I won't take it personally.)
More Cilantro-Loving Recipes from Kalyn's Kitchen:
Grilled Halibut with Garlic Cilantro Sauce
Black Bean, Rice, and Cilantro Salad
Black Bean and Beef Chili with Cilantro, Lime, and Avocado Salsa
Chipotle and Black-Eyed Pea Soup with Double Cilantro
Black Bean and Rice Soup with Cilantro and Lime
Cilantro Love from Other Blogs:
Skirt Steak with Cilantro Garlic Sauce from Serious Eats
Steamed Chicken and Rice with Cilantro Pesto from Is It EDible
Peppery Shrimp with Cilantro Coconut Sauce from Talk of Tomatoes
Black Bean and Lentil Salad with Red Bell Pepper, Cumin, and Cilantro
Black Bean and Lentil Salad with Red Bell Pepper, Cumin, and Cilantro is an easy salad recipe that makes a great tasting lunch!
- 1 cup (about 1/2 pound) lentils
- 1 can black beans
- 1 cup finely chopped red bell pepper
- 1/2 cup finely chopped red onion
- 1/2 cup finely chopped green onion (scallions) green part only
- 1 cup finely chopped fresh cilantro
Dressing Ingredients
- 2 T olive oil
- 2 T vegetable stock (or use chicken stock if you don't care if it's vegan)
- 1 tsp. Dijon mustard
- 1 T fresh lime juice (can use apple cider vinegar)
- 1 tsp. Worcestershire sauce
- 1 tsp. finely minced garlic (I used garlic puree from a jar)
- 1/2 tsp. dried Oregano (preferably Mexican oregano)
- 1 tsp. cumin seed (can use ground cumin)
- 1/2 tsp. Ancho chile powder (or use any mild chile powder)
- 1/2 tsp. Spike seasoning (or more)
- fresh ground pepper to taste
- hot sauce to taste (I used green Tabasco sauce)
- Put lentils into a small sauce pan with plenty of water to cover, bring to a slow simmer and cook until lentils are tender, about 40-60 minutes for green lentils or 30-40 minutes for brown ones.
- Drain lentils and let cool slightly.
- While lentils cook, put beans in a colander and rinse with cold water until no more foam appears.
- Let drain well, then blot dry with paper towels.
- Put olive oil, chicken stock, Dijon mustard, lime juice, Worcestershire sauce, and garlic in a small bowl.
- In mortar and pestle, grind together oregano, cumin seed, chile powder, Spike seasoning, and pepper.
- Whisk into liquid in bowl, then add hot sauce to taste and whisk again.
- When lentils are slightly cooled, combine with half of dressing and let marinate while you prep the rest of the ingredients.
- Wash, spin dry, and finely chop cilantro and set aside.
- Chop red bell pepper, red onion, and green part of green onions finely and add to lentils.
- Add drained beans to lentil and vegetable mixture, and stir in rest of dressing, then gently mix in chopped cilantro.
- This will taste best if refrigerated for an hour or so before serving, but it can be served sooner if you're short on time.
I used green French lentils but you can use ordinary brown lentils.
Recipe created by Kalyn.
Low-Carb Diet / Low-Glycemic Diet / South Beach Diet Suggestions:
Black Bean and Lentil Salad with Red Bell Pepper, Cumin, and Cilantro is a great dish for low-glycemic diet plans, and for any phase of the South Beach Diet. Black Beans are too high in carbs for a low-carb diet.
Find More Recipes Like This One:
Use the Recipes by Diet Type photo index pages to find more recipes suitable for a specific eating plan. You might also like to Follow Kalyn's Kitchen on Pinterest to see all the good recipes I'm sharing there.
Nutritional Information?
If you want nutritional information for a recipe, I recommend entering the recipe into this nutrition analyzer, which will calculate it for you. Or if you're a member of Yummly, you can use the Yum button on my site to save the recipe and see the nutritional information there.


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Dining & Banquets
Gyoson Fish Market (Expired)
|Date & Time:
|This event will count toward your F&B Monthly Minimum Amount.
– A Unique ACC Dining Experience –
Instead of a formal menu, Members and Guests will "purchase" their preferred seafood combinations from Gyoson's "Fresh-from-the Harbor" Fish Market.
Chef Bruce will be on hand to ensure your selections are prepared to your personal preferences and if required provide professional recommendations for preparation, style and presentation.
Please be aware that during this event
Gyoson's Teishoku Lunch Set will NOT be available.
Seating will be limited.
Please make your reservations early
For more information, please contact Gyoson Staff at 02 2885-8260 ext. 258 or email firstname.lastname@example.com


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"All of us have a place in history. Mine is clouds."
–Richard Brautigan
for Richard
As men,
we sit with the night sky
counting constellations,
collecting westcoast dreams like
too many children chasing lightning bugs
with cupped hands.
As poets,
we struggle with the last stanza
wanting it perfect, but
never really connecting
the dots.


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A youth died after being electrocuted in Pathanapuram of Kollam district after he touched an electrified fence, set up around a private field to protect it from animals, allegedly while running away for the fear of being caught by the police.
The youth, 19-year-old Ashiq, hailed from Mancode in Pathanapuram. The incident happened around 11 on Tuesday night.
Police said a team of officials from the Pathanapuram station had been patrolling the area at that time after receiving information about a clash between workers of AIYF (youth wing of the CPI) and SDPI (political front of the Popular Front of India).
Ashiq, who was in the area at that time, reportedly got frightened after seeing the police team and ran away, accidentally touching the electrified fence of a private paddy field, built to keep away pigs.
Ashiq's body was taken to the Government Medical College Hospital, Thiruvananthapuram for an autopsy.
Though some reports suggest that the clash between the two political groups had been going on for days, the Pathanapuram police denied this.
"A team from the station had gone to Mancode as we got information about a clash between SDPI and AIYF activists. We were not aware that Ashiq was running away after seeing us and had met with the tragedy. We came to know about it after a while only. We can't say there was any clash in the previous days, it was only an altercation over political differences," Pathanapuram police told TNM.
Police added that as per the preliminary information they gathered, Ashiq did not have any political affinity to either of the clashing groups but they were waiting to confirm it.


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Let $A$ be an invertible $10 \times 10$ matrix with real entries such that the sum of each row is $1$. Then
Ans: 1. The sum of the entries of each row of the inverse of $A$ is $1$.
Let me first define a vector $e$, which is a vector of all $1$s. (Vector is nothing but a column matrix)
$e = \begin{bmatrix} 1\\ 1\\ ..\\ 1 \end{bmatrix}_{10 \times 1}$
Now, what will be $Ae =\ ?$
Think about it.
It turns out, that since the sum of each row of $A$ is $1$, $Ae$ will be equal to $e$. This is an important point.
$Ae = e$
Multiply both sides by $A^{-1}$
$\implies A^{-1}Ae = A^{-1}e$
$\implies e = A^{-1}e$
$\implies A^{-1}e = e$
The above equation means that when we multiply $A^{-1}$ with $e$, we get $e$. What this implies?
This means that the sum of each row in $A^{-1}$ is $1$.


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We think WONKS deserve a day of recognition and a radio station to match! You work hard and you deserve to play hard. We have declared January 9, 2019 NATIONAL WONK DAY!We're presenting WONKS with the gift they deserve! Hit that play button and lets get WONKY!
104.7 WONK-FM · Smart People. News.


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Ankara, March 17 () - The U.S. Deputy spokesperson Mark Toner defined detainment and deportation of British academic Chris Stephenson as "part of a troubling trend in Turkey" in a statement released via his Twitter account.
"We see these actions as part of a troubling trend in Turkey whereby official bodies, law enforcement and judicial authorities, are being used to discourage legitimate political discourse. And in any democratic society, when critical opinions should be encouraged – or, rather, critical opinions should be encouraged and definitely not silenced. So we would just urge the Turkish authorities to ensure their actions, as we've said many times of late, uphold universal democratic values and are in our – that are enshrined, rather, in Turkey's constitution" Stephenson said on a Daily Press Briefing on March 16.


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The Petroleum Equalisation Fund (Management) Board introduced 'Project Aquila', an innovative e-business solution, to enhance service delivery to our stakeholders. It is an efficient system of managing products distribution and payment of Marketers' claims. It confirms the loading and delivery of petroleum products at the depots. It was initiated to check leakages, enthrone transparency and due process while transforming the Board's operations. Aquila is not a tracking device to monitor movement of trucks or goods in transit.
Aquila, a Latin name for Eagle was chosen in view of the bird's strength, speed and accuracy.
Equipments Required
- Radio Frequency Identification (RFID) Tags for Trucks
- RFID Reader
- CN3 Mobile Device
Benefit of Aquila to PEF(M)B
- Efficient service delivery
- Ability to plan cash in- flow and out-flow
- Easy processing from manual to electronic processing
- Eliminate human errors/interferences
- Effective data management
- Cost reduction particularly in transportation and printing of documents
- Achieve marketer satisfaction
- Promote a healthy working environment
Benefit of Aquila to Marketers
- Faster claims processing
- Faster payment of claims
- Transparency of processing
- Reduction of human errors in processing/interferences
- Eliminate wastage
Benefit of Aquila to Oil industry and the Nation
- Availability of information/data management for planning purposes
- Ensure adequate supply of petroleum products across the country
- Encourage uniform prices of petroleum products across the country
- Aid marketers' business with prompt payment of claims
- Check diversion of products
- Increase synergy amongst stakeholders in the petroleum downstream sector
Aquila is indeed in your business interest…


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07 Jun PR: EMMARES is set to Combat Email Spam and build a digital reputation
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"We can be grateful! It might sound contrary to the wisdom of the world to suggest that one who is burdened with sorrow should give thanks to God. But those who set aside the bottle of bitterness and lift instead the goblet of gratitude can find a purifying drink of healing, peace, and understanding." – Dieter F. Uchtdorf
This talk has found a special place in my heart and I wanted to share a piece of it with you. Click on the link to download.


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The fantasy of a better life: good times on a nice afternoon, a wish fulfilled, a dream undeferred (in the immanent deferment of art).
Been thinking about close analysis, and John Ford, among other things. Cultural imperialism, international trade and capital, the character and role of bright colors & period pictures; cruel comedy. More coming before long, perhaps or perhaps not on any of these topics!


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The Following Services are being tendered: Residential care for people with dementia.
Decision type: Key
Reason Key: Expenditure > £500,000;
Decision status: Recommendations Approved
Wards affected: (All Wards);
Decision due: 24 Apr 2013 by Cabinet
Department: Health, Housing & Adult Social Care
Contact: Vincent Edwards, Procurement Manager Email: email@example.com Tel: 020 8379 4055.
Consultation process
Authority to conduct this tender has been granted
through a signed, delegated authority report in relation to
Regular consultation throughout the tender proecss will be undertaken with End of Life Steering Group, Older People's Mental Health SubGroup and with Cabinet Member / CMB as directed by HHASC Director / Joint Chief Commissioning Officer.
Part 1 & 2 (Para 3): Part 1 & 2 (Para 3)