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In Our Beautiful Eucharistic Adoration Chapel Jesus Waits For You
Open Hours for Adoration
Day Time Hours
Monday at 3 p.m. | Friday at 7 a.m. & 3 p.m. | Saturday at 3 p.m. & 7 p.m. | Sunday at 1 p.m. & 5 p.m.
Early Morning Hours
Monday 1, 2, 3, & 4 a.m. | Tuesday 12, 1, 2,& 3 a.m. | Wednesday 12, 1, &2 a.m. | Thursday 2 a.m. | Friday 1 & 2 a.m. | Saturday 2 & 3 a.m. | Sunday 12, 1, & 2 a.m.
Holy Spirit Parish began Perpetual Eucharistic Adoration on September 22, 2002. Since then, the Eucharist has been revered continually, and is present in a special way, in the Perpetual Adoration Chapel, located next to the front doors to the front entrance to the church. There, our Lord is adored 24 hours a day, seven days a week.
All parishioners are welcomed and encouraged to spend time in Jesus'presence whenever possible. Hundreds of parishioners and members of the surrounding community have made a commitment to pray in the chapel for a specific time each week. Adorers use this time to pray, to say the Rosary, to read, or simply reflect.
If you are interested in signing up to become a regular adorer or a substitute, refer to the directions below to find an hour that works for you and sign up online.
You can also contact Cheri Limoges at email@example.com or (605) 940-1443 to become a committed adorer or dedicated substitute, to cancel your commitment, or for general questions.
Online Sign-Up for Committed Hours
Signing up for an hour of Adoration has never been easier.
1. Follow the link to sign up now:AdorationPro.org/spiritsd
2. Click Weekly Commitment and then click the "Sign Up"button next to your preferred time.
Greatest need.The grayed boxes indicate hours which are currently empty.
Next highest priority are those hours with only one adorer:
3. Enter your name, email, and phone number, then click "Sign Up"
4. You'll then receive an email which will give you further instructions for your commitment.
And that's it. Thank you for your commitment to spend time with our Eucharistic Lord!
Need a Sub
If you are committed to an Adoration hour and have an expected absence, you are asked to ensure that there is at least one person attending the full hour.
If you have an Adoration "partner"(other person(s) committed to your hour), contact your partner about your expected absence to ensure it will be covered. If so, no further action is necessary.
If you do not have a partner, or your partner is also unable to attend, you are asked to try to find a substitute. Please follow the instructions below:
To Request a Sub Online:
1.Visit the Request a Sub page on the Adoration Pro website.
2.Enter the password. (This is found in your weekly reminder email. You can also contact Cheri Limoges for the password.)
3.From there, you can choose to "Send Auto Sub Request,"which will send an email to all the substitutes. If someone accepts your request, you will be notified via email.


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The Knickerbocker Pipe Co. (officially the "Knickerbocker Smoking Pipe Company, Inc.") was headquartered in Brooklyn, New York. Its business address was in the Time-Life Building at 1271 Avenue of the Americas in New York, New York. The company filed incorporation paperwork with New York State November 29, 1978, and was dissolved December 23, 1992.
Pipe models
Kool-Smok: It was a pipe based off the Viking and Falcon designs. It is an aluminum pipe with a briar screw in bowl, that has a nut at the base of the bowl that can be adjusted to increase or decrease airflow, and with cooling fins on the stem that are cut at an angle and from the side give the impression of a corkscrew (see example).

subset: commoncrawl


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June Programs for Youth
Haunted Tales: Storyteller Sue Black
Giants? Trolls? Monsters? Whispers. Footsteps. Things hiding under the bed...Did you forget to sign up? Thursday, June 17 at 2:00 p.m.
"It's a Jungle Out There - Animals Only!" C.R.I.CKET Get ready to search out some L.I.V.E. animals! Are you brave enough? Sign up now! Thursday, June 24 at 2:00 p.m.
Especially for children...


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DEC: Avoid trails, summits this weekend due to flooding
The state Department of Environmental Conservation is warning hikers to avoid trails and mountain summits throughout the Adirondacks this weekend.
The department announced the advisory Friday afternoon amid widespread reports of road closures, power outages and flooding throughout Essex, Franklin, Hamilton and Warren counties. Gov. Andrew Cuomo declared a state of emergency in 11 counties around the state. Separately, Essex County and the town of North Hudson declared states of emergency Friday.
The DEC said in a news release Friday afternoon that hikers should avoid backcountry trails for "the duration of the weekend" amid the heavy rain and high winds.
"DEC anticipates that damage in the backcountry will be extensive and that these areas are unstable and dangerous to visitors," the department said in a news release. "Water levels are currently high, some bridges are washed out, and all stream crossings will be impassable.
"In addition, trails are flooded and summits pose danger of potential rock slides and falling debris. High winds have caused a large amount of downed trees and debris at trailheads and on trails, as well as downed trees and power lines across roadways."
The DEC also reported Friday afternoon there were snow and ice present at some mountain summits and winds were strong.
For current trail conditions, visit DEC's Adirondack Backcountry Information webpage at www.dec.ny.gov/outdoor/7865.html.


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My 'Sonic Interaction Design' colleague Professor Serafin is organising a PhD course on 'Multimodal interaction in virtual environments'. The course will "start with an overview of multimodal perception to explain how humans behave in virtual environments where incomplete and impoverished sensory cues are reproduced." And, amongst many other things the course will also "present an overview of technologies for visual-haptic-audio feedback in virtual environments, together with sensing technologies based on capacitive sensing and optical motion capture."
For more information and for signing-up check here. The course is on May 10, 11, 12, 13 and June 6th at Aalborg University Copenhagen (where they also have the interesting Medialogy degrees). There is no fee for the course, but you get 4 ECTS.


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- English
- Română
SIVECO Romania' eHealth projects at Bruxelles
Bucharest, 28th of June 2004 - As an European company, SIVECO Romania is an active participant to the major international events which provides the access to the last news from the global industry and also the permanent data exchange with European experts.
The recent workshop "IT contribution to the risk management in medical practice", organized by the General Directorate for the Information Society of the European Commission, has among its objectives, the following:
- the understanding of the ICT role in the patient safety and the risk management from the user point of view,
- review of the activities in progress,
- identifying the important actors in the eHealth field,
- discussing the research themes addressed at the European level.
The participants had the possibility to know each other and to contribute with ideas to the future work agenda of the commission. SIVECO Romania was represented by Ms. Lucreţia Maiorescu, Head of European Projects Department.
"If we think about our previous expertise in the field of eHealth projects (both in Romania and abroad), about the development objectives and about our tendency to permanently extend ourselves on the European market, the workshop in Bruxelles was very interesting for Siveco Romania. We had the opportunity to meet important players on the market of Health IT solutions and to lay the foundation of a future cooperation", said Ms. Lucreţia Maiorescu at the end of the Bruxelles event.
Among the eHealth references portfolio of SIVECO Romania there are projects like Nepenthes Global Concentrator (for the French Health Insurance System), HZZO pilot project for the Croatian health insurance system, the Integrated Information System (which implementation is in progress) at the National House for Health Insurance.
The experience of SIVECO Romania specialists in major projects both on domestic and international markets were very much appreciated by the experts of the European Commission.


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Ultra organized, durable gear and ultra crew bag.
Perfect for everyday gear, any sport, home use and travel!
TSA approved carry-on size
Water resistant outer shell
Top flap window for easy identification of stored items
Interior clear window pockets for quick item identification
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Access points positioned to wearer for optimal security of personal items
On-body interior access for on-the-go content retrieval
Removable, modular and customizable shelf unit
Integrated water bottle/accessory pockets
Sternum strap sliders w/safety whistle
2 interior sleeves for up to 16"x10.5" laptop and media devices
Interior bladder sleeve, holds up to 2 liter bladder
Reflective 'back of pack' daisy chain
Trekking pole tether
Comes with shoe/dirtbag aka the PIGLET
60L capacity- 20"x14"x10" weight- 3lb Fabric Spec: 250D DuraHex Nylon outer shell+PU coating, 210D Nylon inner, PE foam, PVC
Available in only Slate Blue
SIZING: Please note on your order if chest circumference size if over 50". We will include an extension sternum straps to accommodate the fit.
Hassle free returns!


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At least two tattoos in Javier Báez's extensive collection seem prophetic: the MLB symbol, inked in red and blue, on the back of his neck, and the black-and-white outline of a flaming baseball just above the webbing on his right thumb.
He's had the logo since he was a high school shortstop for Florida's Arlington Country Day School -- about as far as you can get from being a licensed product of Major League Baseball, and about three years from his big league debut on Aug. 5.
The second tattoo foretold a whole bunch of stuff: the way the baseball jumped off his bat on his first major-league hit, a 12th-inning homer that won a game for the Cubs, or the three other homers he's hit since then, or, in NBA Jam parlance, the fact that Báez's prospects are currently on fire.
"He's got a lot of potential," Cubs manager Rick Renteria said before Saturday night's game. He's "able to drive the ball out of the ballpark. He's got a very aggressive approach at the plate -- to some extent, an approach that will have to be still fine-tuned, but I think he's dealing with being here right now and all the attention pretty well."
In manager-speak, that means the second baseman can hit the ball a very long way when he's not swinging at air. In 12 major-league games, Báez, who went 1-for-4 Saturday night, is 13-for-53, and he entered Saturday with a .531 slugging percentage. He has 20 strikeouts and no walks. Those last two numbers are grim, and consistent with his big helicopter swing, but it's actually an improvement, Renteria said. Báez used to be more prone to the strikeout (he struck out 130 times in 104 games with the Iowa Cubs this year), but Renteria said he showed more discipline in the second half.
"I just want [Báez] to stay positive," Renteria said. "You'd be surprised. Sometimes strikeouts come when you're a little passive and a little timid. You're kind of caught in between . . . Those are adjustments that they'll have to continue to make, and they will. They've only been there a little while."
Báez, a natural shortstop, has also had his adaptability tested on defense. Other than two spring training games, he hadn't played second since junior high. "It was kind of hard," he said. "It's a shorter throw to first. But you still have to move everywhere when the ball is hit. It's just different angles. I don't mind moving, but I like it."
Added Renteria: "It's not as easy as a transition as you might think . . . You can get a little lax at second after having played short . . . Sometimes guys have a problem with that, but he's actually been doing pretty well."
The move, though, might not be forever. Although Cubs management has said it's happy with its glut of young shortstops, starter Starlin Castro's name has been popping up in trade rumors -- most notably with the Mets.
Báez seems to know he could be trade bait, too, but he nonetheless has made himself at home.
"We understand this is business and we're just trying to play the game," he said. "But I know and I'm sure that they have big plans for us and we're all young players. We're going to be good in a couple years. They're going to take their time."
He might be right. After all, Báez has shown he's pretty good at this prophecy stuff.


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Monday Guy and I are hopping a plan to Florida for the week which will be my first trip with my DSLR camera. I can't wait to see the difference in vacation pics with this – I'm hoping to get some great beach photos and sunsets.
So my question is, how do I transport the camera from here to there? I keep it in a nice Canon, padded camera bag so it's my guess that it would be much too bulky to shove in a suitcase. More importantly, even though it is padded, I don't like the picture I see of an airport employee tossing my bag up into the plane. I thought I had an easy solution, take the camera bag as a carry-on. I've got a problem with that though, which is the layover and walking around the Dallas airport for an hour with an obvious camera bag with CANNON written across it. Hey look! That 5'2″ woman is carrying expensive photography equipment! Even though my equipment is not nearly as expensive as most, its still pricey.
Am I being over dramatic here? My question to you all with expensive accessories, whether it be camera, laptops, jewelry etc – how do you get it back and forth and make sure it stays safe?
Sher Bailey is a writer in the Midwest who believes the power of humor, Mod Podge, and grandkids can fix most problems in life. You can find her at SherBailey.com.


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So in my mind, casual sex and one night stands are completely different ball games. Heh.Life is to short live it up - w4m 53yr (Holbrook, 2343 , Norfolk County)
bbw wants a man who wants a big pussy. and knows what to one night dating with it. lets suck and fuck later tonight. ive got the 420. pic for a pic.
I just want to do it W/M - w4m 40yr (Holbrook, Massachusetts , New England)
I am hot,bored,and just want to have some fun. Are you feeling the same way? Wanna makeout and see where it goes? I am regular girl next door. BBW,hispanic,dark hair and eyes, nice chest. DDF,clean and pretty easy going. Very sexual and very,very, oral. I hope you like a big woman? Can't host and weekdays work best for me. I am looking for a clean,ddf,regular guy. I am very open on age and size. And your race is not an issue. Please be able to host. And be very oral and open minded. I am very real and not a game player. It's one night stand very hot and now cloudy and maybe rain. Interested? Lets talk and get the fun started. Pic for pic please.
One Night Stand in your neighbourhood.
Women seeking one night stand join now!
visiting my girl in Los Feliz and staying at the Roosevelt with my family that is sleep already. My friend is tired, I'm awake and about to go to Hollywood blvd unless your a mature older guy with a better idea, address, phone# & picture so we can talk stand one night hang out NOW. Blonde 5"6 & 126lb white girl
Who wants to join me... - w4w 27yr (Holbrook, 2343, MA , New England)
This may not be a conventional w4w posting, but I want to make this happen... I am looking for a sexy lady for me to get one night stand in and bring back to my place. I want to feel every inch of you, and make your toes curl. I was just with my first woman and it was amazing. She felt so much different than my boyfriend and teased me differently. Oh, I want my boyfriend to watch and make him so jealous ;). I want to do this soon... Put "Jealous Boyfriend" in the subject line so I can get rid of the fakes. Pics for pics, the sexier the better!
If you have a one-night stand and the person is great, you have a reason to keep them around. One-night stands are a great way to assess a person in bed before moving them into the friends with benefits category >>
Looking to get out tomorrow, tired of being inside. Breakfast/Lunch? - w4m 19yr (Holbrook, Massachusetts , New England)
Normally I'm a nice girl, but right now I feel like acting bad, really bad!!!! I want a very well endowed stranger to come to my apartment one night stand I will greet you nude. When I open the door, you grab me, bend me over the couch and fuck me deep doggystyle spanking my ass going deeper and deeper untill we both cum hard. Afterwards you zip up your pants and walk away, no conversation needed. Open to any race I'm bf, just be willing to play safe and bring the big dick. Send pic if I like it I'll send mines and we go from there, looking to do this tonight
Blonde funn one night dating w4m 18yr (2343, MA, Norfolk County)
email me lets have fun
Most people have had one or two one-night stands, and they're certainly a unique experience—almost a rite of passage >>Submissive Slave - w4m one night stand 20yr (2343, Holbrook, MA)
I am a submissive slave that could stand some training. I will be your property for you to use any way you see fit for a predetermined time. Safe words apply and obviously you must host. Your age appearance are not an issue.
NO BS PLZ - w4m (2343, Holbrook, MA, Norfolk County)
You were flagged. one night stand interested. E-mail me.


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If you plan to buy a home in Italy and and make money from your property, running a bed and breakfast is an appealing idea. But there are a few things you need to know ahead about Italy's bed and breakfast industry, which may be slightly different to regulations in your own country.
Should you open a B&B in Italy?
The typical bed and breakfast hotel and guesthouse is a traditional Anglo Saxon business, so very appealing to a wide range of overseas buyers looking to purchase larger home in Italy. There is a growing need for tourist accommodation of this nature, as many holidaymakers prefer the flexibility they gain from staying a few days in different B&Bs or like to book this type of accommodation for a weekend away.
According to the most recent survey carried out by Istat (Italy's National Institute for Statistics), in the peninsula are about 25,000 B&Bs, with 40,000 people working within the sector.
As a matter of fact we're noticing a trend lately for overseas home-hunters to buy Italy real estate that can be turned into small B&B business premises, particularly old farmhouses or large properties in one of the many ancient towns and hamlets of the peninsula.
Some examples – Just think at the mesmerizing Civita di Bagnoregio (Lazio region), which is situated on a plateau of volcanic rock overlooking the River Tiber. It has been included in the World Monument's List of Most Endangered Sites in 2006 due to the erosion of surrounding soil. But Civita di Bagnoregio, also known as "the dying city", is literally being born again. Up to 642,000 tourists visit it in 2016 and former derelict properties are opening up as tourist shops or B&B premises, many of which run by international investors, to cater for this holiday trade. The town had actually dwindled to a total of just six residents during the 20th century, but the ancient architecture and its peculiar characteristics that make it unique have drawn the tourist industry to the town.
Another example is the mountainous and mediaeval Santo Stefano di Sessanio (Abruzzo region). A magical village built with limestone where time has stood still along with its labyrinth made of narrow streets and archways. After these new activities mushroomed here the village has started to attract new residents again who have renovated many properties by maintaining its original features without putting aside every contemporary comforts. Take a look at this unique and mezmerizing property for sale in Santo Stefano di Sessanio via Gate-Away.com which is part of the famous Sextantio Albergo Diffuso, born thanks to the initiative of the Swedish-Italian entrepreneur Daniele Kihlgren that revived the entire village.
But the list could go on forever.
How to Run a B&B Business in Italy Step by Step
If you are thinking about buying a home in Italy and converting it into a B&B, check out these tips to help you get started. Invest in Italy it's easier than you might think!
• When you've found the best property for sale in Italy that is suited to your ambitions to run a B&B you will need to visit the information office at your local Town Hall (comune), which is called SUAP (Sportello Unico Attività Produttiva), to get an official form to declare your new B&B is starting. It is called SCIA (Segnalazione Certificata di Inizio Attività) and you also can download it from the Internet. Once you have completed this form and returned it to the Town Hall you can officially and immediately start in business as a Italy B&B owner. You will need also to enclose a variety of documents with your SCIA, these vary according to regional legislation but are likely to include a plan of the property, deeds of ownership of the real estate or the rent agreement, your B&B insurance policy, etc. There will also be a fee for processing your SCIA which can range between €30 and €150, depending upon your region.
• Each Italian region has different regulations also regarding the numbers of bedrooms you can let, the size of the rooms, minimum furnishing requirements in all letting bedrooms and so on. So check them out carefully.
• You need to ensure that you adhere to the strict guidelines of your specific area relating to the activity of a B&B and how yours is managed.
This falls into 2 main categories. Firstly how 'infrequent' is the service that you are providing? And secondly, how organized is your activity?
Each region has a specific number of days under which you can operate your home as a B&B each year. If you supersede this amount then it is likely that you will be deemed to be running a more organized holiday rental activity and this has tax implications.
1) If you are operating within the local B&B guidelines then your activity will not be considered a 'serviced' business activity and therefore you will not have to charge VAT to your guests. The income you generate will only be subject to income tax at your highest marginal rate and would need to be declared once a year on your personal tax return. You can also offset expenses relating ONLY to the B&B activity.
2) If it is deemed to be that you are running your B&B on a more organized basis, e.g. exceeding the maximum number of days per year that rooms can be rented, renting out more rooms than allowed under the rules, advertising your activity as a holiday rental on various websites, providing additional services such as tours or other numerous activities, then you will be considered to be running a serviced business activity. You will then need to charge VAT for your services and open a VAT position in Italy known as a partita IVA. The same income tax rates apply but you also need to make payments to the social security system in Italy through a contribution know as INPS. This is in addition to your income tax (although this is a fully deductible expense from year 2 onwards). All expenses are fully deductible, with evidence of VAT receipts, on this route.
Clearly it is important that you check the local guidelines carefully with a locally based expert before embarking on any activity and ensure that you fall within these rules. The main consideration is to ensure that there is a clear distinction between an organized holiday let and a B&B depending on which activity you prefer to operate.
Gate-Away.com provides you with nearly 25,000 properties for sale in Italy and many of them are suitable for your new Italy B&B business:
[Written in collaboration with Gareth Horsfall from The Spectrum IFA Group, Independent Financial Advisers]
This is an updated article from a previous version published on January 2016.


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In celebration of the 150th year of Confederation, we are trying to visit every Canadian National Park that we can drive to. This is the eastern portion of that tour. Day Eight and Nine Lightning and thunder woke me up during the night but fortunately it was short-lived and I was able to get some more sleep … Continue reading "A Slight Hiccup"Read More
A Slight Hiccup
Posted: September 01, 2017 Under: Adventure By 6 Comments


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Latest Updates
May 22, 2019
NDDOT and partners officially kick-off construction season
NDDOT is kicking off the 2019 construction season with the help from the Associated General Contractors of North Dakota and the North Dakota Highway Patrol.Read More
May 17, 2019
Temporary lane closures planned on I-29 in Fargo during power line work
Beginning Monday, May 20, Xcel Energy in Fargo will be performing overhead power line work on I-29 between 12th Ave. North and 19th Ave. North in Fargo. Temporary lane closures and reduced speeds will be in place on both northbound and southbound I-29 roadways during the project.Read More
May 14, 2019
Head-to-head traffic on University Drive between 4th – 7th Avenue Starts Wednesday
Starting, tomorrow, Wednesday May 15, the final phase of 10th Street North reconstruction work in the railroad underpass is set to begin in north Fargo.Read More
May 10, 2019
Single northbound driving lane on 10th Street North open from 4th Avenue North to 12th Avenue North Starting Monday
Next week crews will extend the northbound single driving lane closure on 10th Street North and start preparing the one-way roadway of University Drive to carry head-to-head traffic for the final phase of 10th Street North reconstruction project work.Read More
May 3, 2019
10th Street North Lane Reductions Begin Next Week
Starting next week, the contractor for the North Dakota Department of Transportation (NDDOT) Fargo District and City of Fargo 10th Street North reconstruction project will end winter suspension and resume the final phases of roadway and utility project work. Motorists will encounter two remaining traffic control phases between early May and June in north Fargo.Read More


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Search the Community
Showing results for tags 'pepsi'.
Found 2 results
Muscle Milk
-Rooster- posted a topic in PlaystationWhats your thoughts on this? (*cough* "D"! *cough*) Pepsi Just started carrying this product so I actually got to try it without having to buy a 55gal drum(exaggeration). These are 14oz I believe, and come in Chocolate, Chocolate Lite, Vanilla, Vanilla Lite, Banana Creme, Strawberry & Cream, and Chocolate Malt. I ordered in everything but the Light ones. I probably should have got all of them but oh well. Now I tried a couple, The choc malt and vanilla. They were alright to drink but I wanted to know what you guys thought of them if you have had them. Are they really supposed to help build muscle? Thats my interest rite now. I am starting to build as of late and thought about having one after every night or working out. By the way, These Retail for $2.99 The Pepsi guy told me he didn't expect them to sell in convenient stores and he would take them back when they out date but I sold a few in the first day.
Design a Pepsi can..!!??
Chili327 posted a topic in Playstationhttp://www.designourpepsican.com I have this posted on Gamelobby also, & i am thinking about having a contest of my own.. NOTHING to do with Pepsi except using their can & tools, but copy the image to post on the GL forums & we can have our own contest..! Make one with a Gamelobby logo.. We can have our own contest using their tools..!? Make a "Gamelobby" Pepsi can.. lol > Gamelobby/Pepsi Link <


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The Cat Who Wanted to Go Home
by Jill Tomlinson (author) (UK edition)
Part of the following pack:
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Delivery information
We are only able to deliver orders to school addresses
- FREE delivery for schools*
- Delivery within 10 working days
Book Club orders
- FREE delivery to schools
- Books will be despatched after the school's order is confirmed
*We do not charge for delivery, but your order may incur additional customs costs.
Product description
Suzy is a little French cat with a beautiful stripy coat and long white whiskers. Suzy likes living in France, chasing butterflies and being stroked the wrong way. But what Suzy doesn't like is straying far from home… One day she finds a cosy little basket, clambers in and falls asleep. When she wakes she discovers she is actually in the basket of a hot air balloon, which has taken her all the way to England. How is she ever going to find her way back home? The funny and heartwarming story of a little cat making a big journey, and learning all sorts of things about herself on the way!
Product Details
Date published
February 14th, 2005
Lexile measure
Lexiles are the global standard in reading assessment. They are unique as
they are able to measure a child and a book on the same scale – ensuring
the right book gets to the right child at the right time.
For more details see What is a lexile?.
NewUK edition
This product has not been reviewed yet.


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Children Bikeability Level 1 and Level 2
Our cycle training programme is suspended until further notice. To be informed when we are running it again please add your name to our waiting list below.
Cycle skills for children follows the Bikeability programme, the national standard cycle training for children.
Term time school Bikeability courses are:
- free
- for those in school years 5 and 6
- arranged with the school.
Holiday Bikeability courses are:
- free
- take place during the school holidays
- for children in Year 5 or above at the time of booking
- for children who either live or attend schools in the borough of Kingston
- offered on a first come first served basis, so early applications are advisable once the dates have been announced
About the courses
A course usually runs for 4 or 5 days (depending on the number of children), Monday to Friday, for two hours each day.
It covers:
- bike checks
- control skills
- highway code
- on-road cycling on quiet public roads
Trainees are assessed on bicycle control, general road awareness and the ability to make simple journeys managing parked cars and junctions with other road users.
On the final day of the course, we run a multiple choice quiz to assess trainees' understanding of the Highway Code.
Children who complete the course receive a Bikeability badge and certificate at Level 1 or Level 2. Trainees awarded a Bikeability Level 2 certificate and badge have shown that their cycling is of a satisfactory standard to cycle independently on quiet roads. We recommend the Bikeability Level 2 training to those who achieved Bikeability Level 1.
Six months to one year after completing Bikeability Level 2, children are entitled to complete a more advanced Bikeability Level 3 course.


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The Jews then which were with her in the house, and comforted her, when they saw Mary, that she rose up hastily and went out, followed her, saying, She goes to the grave to weep there.
John 11:19 And many of the Jews came to Martha and Mary, to comfort them concerning their brother.
She goeth.
Genesis 37:35 And all his sons and all his daughters rose up to comfort him; but he refused to be comforted; and he said...
2 Samuel 12:16-18 David therefore sought God for the child; and David fasted, and went in, and lay all night on the earth...
1 Corinthians 2:15 But he that is spiritual judges all things, yet he himself is judged of no man.


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After week so preparation, me and my friends went to Hell and took the challenge. Well, not HELL exactly, but once that chip hit the back of our throat, we got a little taste of what the fiery damnation of Hell really feels like!
It's truly a mind over matter world and I psyched my self out to make sure I didn't lose my mind completely from the heat . . . maybe just a little bit! Here are the highlights of the experience.
I am proud to have been a part of this music video for an artist that is truly talented and sends a message to the world thorough his art. Props to Matt Alonzo for his directing magic!
Follow Hi-Tone online:
During the summer of 2017, I was asked by Director Alex Munoz, to come on board as production coordinator for the filming of the trailer for his upcoming feature film. I knew I was going to be in for a ride because of the artistry and storytelling of his ground-breaking, hugely popular web series "Griot's Lament." This trailer will give you a sense of what is coming in the future and its pretty exciting!
As our country seems to become increasingly divided, it's important to acknowledge our many differences, yet understand and embrace that we are all one. Now, more than ever, we must help one another and stand strong as a country united. I am so happy to have been a a part of this project and contributing, in my own way, to making the world a little better.
golden state tattoo expo
I'm not a real bartender, I just play one on TV. I love being in student productions, watching them work together creatively on tight deadlines . . . and I always wanted to be a bartender (and twenty other different occupations). My wish was granted! And, no, this isn't my first time playing a bartender on TV. It's my second.
I really got where the artists was going," was exactly what was on my mind when I was on set as one of the face models for this project and was super excited to know that the trailer was released today. If you want to tap into the universals of the human experience - look into someone's eyes and read their face.
Women's empowerment is a powerful force for good and so is the kind of media that accomplishes this. I was recently cast as an on-camera host for a campaign for women where their stories would be told and their accomplishments celebrated in a very unique and engaging way. . Everyone involved in the project - from marketing personal, to cast and crew - were all dedicated to a successful product. Lots of tears of strength and perseverance flowed during the filming! I cannot wait until this video comes out and can be shared with everyone.
I had a brief conversation with the creator, Ernest Ruckman, of this drumming fusion who felt "on top of the world" seeing it all come together. "It was a dream come true," said Ruckman. Who could not feel special to have participated in such a meaningful event.Imagine taking Brazilian Samba Drums and pairing them with Japanese Taiko drums! On Sunday, February 12th, members of Samba Da Mudança assembled with members of Asana Taiko, US, in Torrance, California for an inaugural rehearsal jam and it was LIVELY! The vibes and the energy were incredible as joy and rhythms filled the room.
This is my second year at the Golden State Tattoo Expo - taking photos and filming for one of the artist's, King 'Afa. It is always an amazing experience to be around all this incredible art and to be around other inked people of all types! I did a quick "reporter packet" and snapped some pretty dope photos (below). I really appreaciate the positive vibes and the general acceptance of people - whether your have no tattoos or have your body and face completely covered, people are people and we should embrace everyone!
On this day, the inauguration of the 45th president of the United States of America, it seems fitting that artists should join forces in opposition to the regressive, oppressive rhetoric being placed before us in the form of governmental rule.
We are people as well as actors who are united by our search for truth and our deep connection to what is right and what is just; who wish to make a difference in our own way - sending this message of love and light to the masses.
There seems no more fitting a writing than Shakur's powerful and touching poem, "i believe in living." It fuels the soul with optimistic imagination, and brings consciousness to our collective pain and strife.
We must cultivate deeply-rooted, universal hope - during a time when there seems to be so little - in order to appreciate and cherish the life that we have been given.
Let us all, the collective, ban together in active coalitions of righteousness, egalitarian thought and action, in order to counter those forces relentlessly aimed at tearing us apart.
WE'RE BACK! -- January 1st . . . we all see it as a starting point - an opportunity to "change", to "improve" to be the new you. While change can be beneficial, the YOU as you ARE is good enough, too!
Join us for a lunch time LIVE video feed discussing what 2017 could bring but will not promise and how living with uncertainty can offer you new potentialities for purposeful living.
I am honored to have been able to share my very private ideas of what "manhood" really is, how it is deifnied and how we can feel both completely comrfotable in one moment and pretty pressured in another.
This is just one episode of a web series produced for SoulPancake that explores the perceptions that people have of others based on their gender, sexual orientation, ability, body size and ethnicity. Another great "true reality"
series that aims to build connectedness and deconstrutct destructive ideologies about the huamn experience.I believe that video projects like this have the potential to transform individual lives daily.
When you are before the door of opportunity, knock loudly! I am excited about the opportunity to produce several original series with SoulPancake. I have admired their content for many years and said to myself, at the beginning of 2016, "I really want to work with them and create the kind content that they put out to the world." After numerous email correspondence, in-person meetings, content development work and pitches, I will officially working with Soul Pancake in 2017 on ome projects that I cannot wait to bring to life.
I teach many courses online but what is lacking is the personal connection that is formed between you and your students - especially with those who desire to develop their insights and perspectives.
I created a series of short video blogs to get students to think about the textbook readings that they are
assigned and "special topics" video blogs (below) that offer some critical insight into the human experience itself.
I recently took a MASTER TV HOSTING class and we were able to do an on-camera, on-the-spot monologue about WHATEVER we wanted.
I was feeling "some kind of way" that day and decided I would use this opportunity to get a message out. Hell, most of the time I feel that the people that are listening are already WOKE, but what about those who are not? How do you reach them? You try. You open your mouth. You communicate with compassion and empathy. That was my strategy here. It's pretty off the cuff but I think it serves the purpose well and I am proud of it.
November 22, 2016 marks two weeks since the election - can you believe it?
I firmly believe that the outcome of this election will be a topic of discussion for people who are traveling, near and far, to reconnect with their family. family can be a complicated thing and navigating holidays can be even more complicated.
I write a lot more than people know, but "getting it out there" is not as easy as it seems. Instead of getting the article published online, I decided I would film myself reading the article, then I could post it online and perhaps someone would see it, watch it, hear it and really get the message I was trying to send.
Here is the video!
I am always humbled when asked by a fellow creative to participate in a project that is meaningful, powerful , and timely. We, as people, need to express more compassion, share more humanity and put less effort into complaining and negativity. This project epitomizes all of this.
Regardless of your feelings on this year's election, whether you like it or not you are a part of history. Krista is so passionate and enterprising that she has been on the ground working on the Clinton campaign in Ohio and I can't wait to hear all about it!
I am teaming up with my "little sister," writer, thinker and confidant, to share our unique perspectives about the subject of "truth." As content creators, we hold great power to change people's minds about the very nature of what we deem as "reality." What we write, how it is presented on the big or small screen - is all a matter of interpretation. Being too direct in communicating truth can be as problematic and being too vague. How can we, as content creators, find a balance between too much and too little truth? Furthermore, how can we negotiate the questions we already have about the nature of our existence? See the archival video HERE.
I recently participated in a LIVE panel conversation on a web show called "SIRIously" to discuss the potential economic and social ramifications related to the legalization of recreational marijuana in the state of California. This topic was approached intellectually and among the subtopics discussed were the therapeutic benefits, profiteering of big pharmaceutical companies, moral and ethical issues and the persistent stigmatization of marijuana use by the "moral majority."'
Technological development and advancement is moving at an accelerated pace. Just the thought of it makes my heart race! Is yours racing, too? Check your pulse. Coming to you from Los Angeles, California, TechPulse will stay on the pulse of what's happening now and what's coming up next in the tech world and bringing it directly to you. We'll chat LIVE with Entrepreneurs and CEOs of tech startups with a focus on the happenings in Silicon beach – the Home of the LA Tech and Startup community! We'll have our finger on the pulse of new businesses, new products, new gadgets and new apps that can add to our productivity, knowledge and entertainment!
TechPulse – keeping our finger on the pulse of the Southern California Tech community!
This is a snippet from a workshop I recently facilitated on the campus of West Los Angeles College.
Some of the greatest challenges in life is a result of us not "conceptualizing the big picture of our lives." It is also about understanding the role that Time, Effort, Passion and Resources can play in our overall achievement.
Hottest Professor?
Now get your mind out of the gutter, ha ha, it's not the kind of "hot" you're thinking about. This is about academics! See ratemyprofessors.com.
"I prefer to put efforts towards developing the non-material aspects of manhood like responsibility, accountability, compassion, respect, righteousness and self-control within myself and others. For me, it is these characteristics that truly matter, not simply what one chooses to cover their body with."
Click here for full text article
"How can an everyday person, like myself, develop a yoga practice and utilize that knowledge to deal with everyday issues – both in the physical sense of movement and pain management, but dually in the broader sense of the application of those teachings into our everyday lives?"
Click here for full text article
Playing the role of host WILLY HAYES was one the of funnest shoots I have been on! I worked with a great production company and director and this video will be used to launch the upcoming KickStarter Campaign!
Check back to see how you can get your own Bad Mochi Race Card and all the benefits that cardholders expect.
Just like people who lean towards engaging with others in activities sports and hobbies or in a congregation or sangha setting or even on serving on a board, I am drawn towards volunteerism. I regularly involve myself in all kinds of projects and all kinds of roles. The latest was a major landscaping project in Escondido, California. I was drawn in through the charismatic nature of this man pictured here, Ahmad Hassan, the former host of "Yard Crashers," one of my favorite DIY shows (I am a homeowner and an openly DIY).
I have been actively pursuing a profession as a TV host for nearly 8 years, I considered Ahmed to be "the kind of host I would like to be." Smart and fast, friendly and funny. Strong work ethic. Strategic, yet down-to-earth. An effective host is not just performance, but it comes from "who you really are" and how you deliver it in a way that is direct and approachable.
Ahmed is just that kind of person...and so we corresponded from time-to-time over the course of a couple years on social media. He even helped me through a career transition with a great phone call.
When I heard about the Aster Gardens project I immediately committed to being there.
Actors who give testimonials actually use the product they are speaking about! I used this product for a good month and provided an on-camera testimonial. GetSnapBac.com is a new line of pain relief/recovery garment that is constructed to hold heat or ice packs in place anywhere you want them on your body.
It was a fun and interesting experience being a consumer tester and the the production company I worked with is always very professional. I had a lot of fun as usual!
As soon as I saw there was going to be a TEDx in Crenshaw I contacted the organizer, only to find iI was really late in the process. One of my bucket list items is to do a TED Talk - and I would be honored to do this right here in my very neighborhood/ Anyways, I offered up my assistance as a volunteer. I know how events can be and it is always great to have extra hands on deck. I have relied on volunteers when I have worked programs and I give back to the pool regularly.
I was a "wrangler" for the Speakers and what an honor and chance to work with these individuals, helping ease the process so they can focus and deliver their powerful messages. A true win-win all day long! I met all kinds of great people and had rich, meaningful conversations.
Check out the VIDEOS here!
I recently participated in a wonderful and meaningful documentary series. All kinds of people from age 0-100 were brought into a studio to answer some of life's biggest questions.
Four episodes have since been released and can be viewed below. In the "ADVICE" episode, see who got the last word! Not that it matters . . . ha ha. This series has been picked up for another season. Check back for more videos and questions that truly matter!
I was happy to have been able to film and photograph the first conference of the Refuge Recovery organization. I have been going to events at Against the Stream Buddhist Meditation Society for over 5 years and I am so happy I could share the inspirational experiences of all those involved.
Here is the highlight reel:
Whenever I am asked to address a group of young people who are taking efforts toward a promising future, I always say "yes, what time?" This year I presented to a group of high school athletes a session about the pros and cons of going to a community college versus a 4-year college/university. Before I got to the details, we had a discussion about the very nature of higher education.
I cannot tell you how excited I am to be working with the director and talented cast of The Laramie Project at El Camino College. For me, facilitating the Talk Back sessions was a rare opportunity to "change people's mindsets" about hatred, violence and homophobia using performance art derived from actual interviews. 20 casts member played over 70 real life people who were all residents who were all involved in some way in the violent act that led to the death of Matthew Shepard.
Who would have thought that one day I would be in the kitchen of a prominent bakery in Sherman Oaks, making an edible hairspray bottle out of fondant? Who knew I could even spell fondant? It happened and the the cake that resulted from the work was gifted to a morning news anchor for her birthday!
Below is a clip of us working hard in the kitchen!
Recently I got to catch up with one of my former students, Wyatt at the reception of his latest photo co-exhibit "Otsumami." Wyatt has a unique eye and photographic perspective and is one of the coolest dudes I know.
He has a great future and an amazing life ahead of him - I am honored to have been able to support his efforts and see him continue to develop and chase his goals and aspirations.
Had a great time playing "Host" for a talk show as part of a Pasadena City College TV/Film Project. The show is a late night interview format with new guests from the entertainment industry each week. Nothing like meeting cool, creative and driven people on set! Nothing like in-person conversations with interesting and engaging people.
I was honored to have been able to deliver a keynote address at the morning plenary for the CWA Youth conference held in Long Beach on January 28. 205. My keynote was entitled "Digging Deeper for Meaningful Collaborations" and was delivered to 400 plus attendees at 8:00 AM in the morning! I hope everyone was as energized as audience members as I was giving this speech!
I have accepted my duality as an academician and an "entertainer" for lack of a better word. Intellectually stimulating content can truly be fun, lively and entertaining. We need to rethink teaching and learning and truly embrace the digital media we have out there that can augment out ideas!
(Below are are some video excerpts.)
I recently played a cyclist in a commercial depicting possible scenarios and potentially dangerous situations that we might find ourselves in while riding. Thanks to this new app, people can have some peace of mind.
I hope this never happens when I am really out on the biking trails - or anywhere else for that matter! This new app has great promise for giving people some piece of mind and is worth a look!
MYD Toy Drive:
Although hosting is my first love, I am always ready to help my writer/filmmaker friends with their projects - whether filming, booming or acting. I recently played a Hollywood street vagrant with a quirky sense of humor (right). Can't wait to see this short film and see what opportunities might present themselves next!!
You can catch me the role of military bad ass/zombie destroyer on future episodes of Chronicles of the Dead by 3N FILMS.


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GBA: Your News, From Baltimore to Thailand
The Good: We'll go ahead and start with the good news. Here are this week's highlights:
Nigerian Rescue: Almost exactly one year after over 200 girls were taken from a school in Chibok, the Nigerian military claims to have rescued 93 women and 200 girls from a camp lead by Islamic terrorist group Boko Haram. The camps were "discovered near or on the way to Sambisa," one source tells Reuters. Some of the girls were injured and some of the militants involved were killed. Those rescued will be undergoing a screening to see exactly who they are, where they came from, if they have children, and if they are Boko Haram wives. It is unlikely that those rescued are the girls abducted last year, but its a small win for almost 300 women who could benefit from a better situation. Upon hearing about these women and girls, it makes one think about how fortunate we are. We are able to read and write the news from around the world, we have the freedom to be the people we want to be. SR wishes the best outcome for those rescued.
North Coast Music Festival: The lineup for North Coast Music Festival dropped yesterday and some old favorites are coming back with a vengeance. Although one last name is yet to be added to the headliners, we're excited to see The Chemical Brothers return to the North Coast stage after opening the festival 6 years ago. Huge names like Booka Shade, Atmosphere, D'Angelo & The Vanguard, Steve Aoki, The Roots and Tycho will also be gracing the stage. A unique festival, North Coast jam packs a ton of music into one city park in Chicago. With their two main stages right next to each other, they alternate sets to make non-stop rocking possible. Tickets are on sale now, so scoop em up before that last headliners gets released and it sells out!
Camp Bisco: Camp Bisco has been a favorite of Sensible Reason for many years. So, it was devastating to hear that The Man was trying to bring the festival down. Schenectady County officials denied the festival to be held due to drug use and traffic concerns in case of an emergency. Now, there seems to be a glimmer of hope for those who have attended the festival for years. The Camp Bisco website posted a word search containing some Disco Biscuit lyrics and a hint that the festival might be held in Scranton, Pennsylvania this year. Just today, they officially announced that this year's fest will be July 16-18th at Montage Mountain water park, home of the Peach Music Festival. We're excited to see that organizers are continuing to push to make this festival happen. See you there!
The Bad: Sometimes we forget how fragile our everyday lives can be. Here is the not-so-good news.
Violence in Baltimore: Another week, another police killing, another string of riots and mindless violence. Baltimore is in shambles after peaceful protests escalated into violent protests which turned into a string of looting and rioting. Social media has been blowing up with eyewitness videos of mostly young men breaking windows, smashing cars, and looting local businesses. Those involved in peaceful protests around the city want no involvement in the riots and most have been identified by the public as kids taking advantage of a bad situation. The family of Freddie Gray, the man who died in police custody, is "appalled" by the rioting and violence. The mayor of Baltimore called in the National Guard, declared a state of emergency, and instated a curfew on the city. Efforts to calm the rioters combined with an increase in those against the violence seems to be working. While no one will probably be at the baseball game today, at least those attending won't have to fear for their lives and belongings, if they haven't already been damaged in the scuffle.
Earthquake in Nepal: As most of you have heard by now, a massive earthquake hit the Himalayan country of Nepal late last week. The earthquake had a 7.9 magnitude and has taken upwards of 5,000 victims and counting as the relief efforts finally reach the epicenter of the quake. Scientists had been anticipating a disaster since Nepal falls on a fault line, and researchers had just arrived in the country to prepare when the earthquake hit. Aftershocks have pushed people to set up camps and temporary residencies in open areas, streets, and parks where buildings and debris is less likely to cause harm. Neighboring countries have also been effected. Earthquakes are type of natural disaster that makes us humans seem so small and powerless to mother nature's wrath. Ancient temples and shrines have been reduced to rubble, and those still searching for their loved ones are beginning to lose hope.
Repeated Drunken Driver: Blaine Boudreaux, 34, got behind the wheel of his Dodge Ram pickup truck early in the afternoon on Sunday. He was then involved in an accident that sent two people to the hospital, one of them being a toddler. Bourdeaux was taken into custody, cited and then released that day following the incident. But, clearly Bourdeaux wasn't finished with his joyride, he ended up hitting and killing a 61-year-old homeless man later that day. His bumper and license plate were found at the scene when the man's body was found in a ditch at 3PM the next day. Bourdeaux's rampage concluded around 6PM on Sunday when he ran a red light and collided with a Honda Civic, killing a 6-year-old boy and seriously injuring his mother. This tragedy could have been prevented in a couple different ways. First and foremost, he should not have been drinking and driving. Second, his simple citation and release for the first incident was too small of a slap on the wrist, allowing this reckless driver to kill two people.
And The Awkward: Take it as good news, take it as bad news, but uh… here ya go.
Body Cameras & YouTube: Due to the recent increase in police brutality reports, many have been pushing for police officers to get body cameras. This way, officers can be held accountable if anything were to go awry during a routine stop. While this does create an illusion of safety for those who may me more susceptible to police violence, these cameras also eliminate any privacy that may be involved in someone acting a fool in front of a cop. Apparently there are now a few embarrassing YouTube videos out there showing not brutality but stupidity. We need not forget that someone is always watching, so keep yourself in check if you're about to get arrested.
Bruce Jenner: The LGBT community and their allies have been raving about Bruce Jenner since last week's national TV interview with Diane Sawyer. The interview shows a very feminine looking Jenner with long hair and fair skin stating "I'm a woman." While the interview was huge for the transgender community…why do we still call her Bruce? Many people in the media are also still referring to Jenner as a 'he' as well. Could it be that the world just isn't ready for this transition, or is Bruce not yet ready? We're thinking that at least a name change is in order. On another note, Jenner's ex Kris has stayed relatively silent about the whole ordeal. She called Bruce a "hero" on her Twitter page, but hasn't really said much beyond that. In response to her silence, she simply stated, "no one asked me to comment." Is Bruce Jenner the transgender hero everyone has been waiting for? Probably not.
Thai Monks Under Fire: When the West thinks about monks, we picture peaceful men in simple clothing meditating and giving out endless streams of worldly advice, right? Well, the monks in Thailand are apparently a little different. Activist monk Phra Buddha Issara is currently receiving bomb threats and needs body guards as he attempts to blow the lid off of the corruption, embezzlement, drug use, and overall misbehavior of many practicing monks in Thailand. With almost 300,000 monks in the county, Issara's campaign is calling for more transparency in their financial dealings and activities. Some monks in the country are seen posting selfies on social media with designer handbags, accused of pocketing overflow cash, and playing the stock market. Sounds more like U.S. politics than Buddhism. Good Luck fighting the good night, Phra Buddha Issara.


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Abel survived the apocalypse but drugs nearly killed him. He scratches out a living scavenging for anything of value until he witnesses something incredible…the Wizard of the Wasteland.
When Abel joins the travelling showman, passing off pre-apocalypse technology as objects of magic and intrigue, they come upon a horrifying sight: a group of children enslaved by the brutal drug gang The Family.


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Most kids love cooking in the kitchen, especially when there are cookies involved! Besides feasting on yummy treats, they learn valuable skills and practice math and reading without even realizing it. Most importantly, you will make precious memories with every recipe you put together.
Here are several recipes and tips for baking with children.
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Basic Kitchen Rules
Before baking with your children or allowing them to bake without you, they should understand these basic kitchen rules. Feel free to add or detract from the list, but be sure to go over it with them. Post it on the refrigerator as a reminder.
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Sugar Cookies
Baking cookies is where I started my baking experience. This recipe is so good because it can accommodate any level baker. The youngest children can just decorate the unbaked or baked cookies. Older elementary school-aged kids can roll-out and cut the dough. Middle schoolers on up can handle the entire recipe.
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Make Gelatin (Jell-O)
Any aged child can use a cookie cutter to cut shapes out of the gelatin. Older children can make the entire recipe, just be careful of the boiling water and using the stove.
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Basic White Bread Machine Bread
I just love the Bread Machine. If your child understands measurements, he or she can make bread in the bread machine. The only difficult part will be waiting for it to be done even on the fastest cycle.Continue to 5 of 10 below.
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Blueberry Muffins
Blueberry Muffins are almost everyone's favorite muffins. All muffins and quick breads are fairly easy to make and can be made by an older child. The biggest tips I would have to offer is to be careful using the oven and don't over mix the batter. Browse more favorite muffin recipes.
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Easy Brownies
Brownies have always been a crowd-pleaser. Just think how pleased your young teen will be after making this chocolate wonder.
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Baking with Cake Mixes
I just think it's much easier to start baking cakes by beginning with a cake mix. There is less apprehension. Use this list to help them "jazz-up" a normal mix.
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Marshmallow Creme Fudge
Older children can make this stove-top confection. Just remind them that the fudge can get really hot. Be extra careful pouring it into a pan to harden.
Continue to 9 of 10 below.
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If you've got someone old enough to begin using the stove, pancakes are a great way to start. Once they've mastered this classic recipe, they can branch out and try some other favorite pancake recipes.
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Basic Biscuit Recipe
Basic Biscuits recipes are also a great way to satisfy the baking needs and experiences of several age groups. The young ones can cut out the biscuits. The older elementary school-age ones can put them on the baking sheets. The older bakers can make the entire recipe and be in charge of the oven.


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Frequently Asked Questions
Here are the most frequently asked questions when considering a life insurance purchase.
- How much life insurance do I need? It's actually a pretty simple calculation. You begin by estimating your family's immediate and future financial needs. Then, you add up all of the resources that are in place to meet those needs. The difference between the two is your need for life insurance.
- If your employer provides you with a life insurance benefit, do you really need more? Most employers tend to provide very limited amounts of coverage at their own expense, typically a lump sum such as $10,000 or coverage equal to one times your annual salary. Also, it's not always possible or practical to take your coverage with you if you change jobs. An individually owned policy follows you around wherever you go.
- Should I get a policy for 10 years, 20 years or even longer? Many people will buy a policy that provides coverage until their kids reach college-graduation age. Others will want to have coverage until their mortgage is paid off. A business owner might want lifelong coverage for business succession planning purposes. We can help you determine the amount and duration of coverage that's right for you.
- What type of life insurance should I buy, term or permanent? For many people, term is often the best solution because it allows you to get the most coverage for your money. The most important thing you want to do is buy enough. Your family won't care if you had term or permanent insurance. They'll only want to know…is there enough.
- Why do I need a medical exam when applying for coverage? Your personal health status is one of the key factors used to determine how much you'll pay for your policy. If you're in perfect health, you should be rewarded in the form of lower premiums. Conversely, someone in poor health should be required to pay more than you because there's a greater chance, statistically, that the insurance company will have to pay a claim for that person. The exams usually take no longer than 20 minutes and are conducted by paramedical companies that come either to your home or office, at a time that's convenient for you.
- If I've had serious health issues, will I be able to qualify for coverage? If you need life insurance, you should apply. It's true that people in poor health will pay more for coverage, but that's a better plan than leaving your family's financial future to chance. Even if you've had a very serious condition such as cancer, many companies will provide you with coverage as long as you can show that you've been cancer-free for a certain period of time (e.g., 2 years) and that the cancer isn't likely to recur in the near future.
- How long does the application process take? Because most life insurance applications require underwriting (i.e., a medical exam, an evaluation of your family's health history, etc.), the process typically takes from 1 to 2 months. The good news is that we get cases processed faster than almost anyone else in the business.
- What is an accelerated death benefit? Most policies contain a provision that allows a terminally ill person to "accelerate" part of his or her death benefit while that person is still alive. Some people will use the money to take care of financial affairs and other final arrangements. Others will use the money to help pay for medical bills. The money can even be used to do nice things for your family like take them on vacation while you're still able to.
- Who should I name as the beneficiary of my policy? There are various options, and each has its merits depending on your particular situation. You can name specific individuals such as a spouse, a partner or your children. When naming individuals, it's important to name contingent (or secondary) beneficiaries in the event that you outlive your primary beneficiary. Another option is to assign the proceeds of your policy to your estate. If you do so, make sure that your will clearly states how and to whom your assets are to be distributed. You can also set up a life insurance trust and assign the benefits of your policy to the trust. If you are a high net worth individual, this can be beneficial for estate planning purposes. In making decisions about beneficiaries, it's advisable to consult your attorney and/or tax advisor.
- How often should I review my life insurance needs? Life insurance needs change as circumstances in your life change such as the birth of a child, buying a new home, getting a job or promotion, getting married or divorced, starting a business, etc. So it's wise to have your life insurance needs assessed at least every few years to make sure that your insurance needs are keeping up with all of the other changes in your life.
Get a Quote
Start the process now by using our Quote Form for your free, no-obligation quote.


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Zalando SE (ZAL.XE) said Thursday that it met its 2018 targets on the back of double-digit revenue growth in fourth quarter and an uptick in its active customer base.
The Berlin-based online retailer said it booked a net profit of 56.1 million euros ($63.8 million) in the fourth quarter, compared with EUR60.1 million the previous year.
Revenue in the fourth quarter rose nearly 25% to EUR1.66 billion compared with EUR1.33 billion in the prior year's quarter.
Adjusted earnings before interest and taxes rose to EUR117.8 million from EUR112.6 million.
Zalando said it added 1.3 million new active customers in the fourth quarter for a total of 26.4 million customers placing 116.2 million orders in 2018.
"2018 had its challenges, but we focused our efforts in the fourth quarter to pull off a strong finish to the year," Zalando Co-Chief Executive Rubin Ritter said.
Zalando said it posted revenue growth of 20% and adjusted EBIT of EUR173.4 million in 2018, in line with its targets of revenue growth at the lower end of the 20% to 25% range and adjusted EBIT between EUR150 million and EUR190 million.
For 2019, the company said it would target revenue growth at "the low end" of 20% to 25% range and an adjusted EBIT between EUR175 million to EUR225 million.


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Believe In Syracuse
A lifetime resident of Central New York, Kathleen attended Universite Laval, Quebec, Canada, and SUNY New Paltz. She retired from the Onondaga Country Mental Health Department Day Treatment Program for Children after a 32-year career supervising a small group of treatment staff and planned, supervised and led individual and group therapeutic activities.
After retirement, Kathleen became involved in community engagement, activism and volunteerism which led her to Believe in Syracuse. Her history with Believe in Syracuse began while it was still an idea being discussed in the Franklin Square Freedom of Espresso coffee shop by a small group of people who shared a different, optimistic view of the greater Syracuse area. Having experienced both the thriving Syracuse of the 1950's and 60's and the devastating downturn beginning in the late 1970's, she was keenly aware of how discouragement had negatively impacted the area and its residents. The energy and vision of Believe in Syracuse drew her in, and she has been an involved and engaged member ever since. Recently, Kathleen was on the planning committee for World Refugee Day on behalf of Believe in Syracuse.
Kathleen now serves as the Believe in Syracuse Board Vice-President but more importantly, she has been one of the most active and valued members of Believe in Syracuse since it began. In 2019, she was awarded a lifetime membership for her hard work and dedication.


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Well, he did it. They did it. After the whirlwind downfall of Kevin Spacey—one of the most high-profile figures in Hollywood's current, long overdue sexual assault reckoning—it seemed that his upcoming film, All the Money in the World, was doomed. There was no way the studio could release a movie that so prominently featured such a radioactively toxic lead actor, and it's not like they could just edit him out. To which director Ridley Scott said a hearty "watch me"—then went about re-casting the role with Christopher Plummer (said to be Scott's original choice) and re-assembling the cast for a rush of last-minute re-shoots, promising to get the film in as close to the original release date as possible.
And here All the Money in the World is, set to debut on December 25, with Plummer pretty much seamlessly integrated into the film. It's a Christmas miracle! Or maybe simply a testament to good old-fashioned hard work. Which almost sounds like something Plummer's character, J. Paul Getty, would say. A miser of the highest order, a true Scrooge for the holiday season, Getty was the richest man in the world—the richest man in history, the film asserts—when his 16-year-old grandson, John Paul Getty III (called Paul), was kidnapped in Rome by a Calabrian gang. But Getty the elder, hiding away in his palaces in Rome and London and religiously checking his stock ticker, initially refused to pay the ransom money, holding steadfast for five months until he finally relented in typically cruel and penny-pinching fashion.
All the Money in the World is a depiction of that ordeal, for young Paul (played by Charlie Plummer, no relation to Christopher, who could break big with this and next year's Lean on Pete) and for his mother, Abigail, played with heavy but successful affect by Michelle Williams. Scott's film, with a script by David Scarpa based on John Pearson's book, positions itself somewhere between thriller and character study, relaying the mechanics of the kidnap and negotiation, and doing a repulsed stare-down at Getty, trying to see what could possibly make him this way. Scott has fully succeeded at replacing Spacey. He's about half-succeeded at everything else.
What's most surprising about All the Money in the World, beyond Scott's mad re-shoot scramble, is that it frankly doesn't look very good, which is not something one often hears about a Ridley Scott film. He's been working with cinematographer Dariusz Wolski of late, and they've produced good things together. (Even Alien: Covenant, about idiots in space, looked gorgeous.) But here they've chosen a washed-out palette of grays and heather purples, all dull and watery. It has the unfortunate effect of making the film look cheap, as if the whole thing was a rush job instead of just the Plummer parts. There are moments in the film, particularly during its tense climax, when some of that old, sleek Ridley Scott cinematic magic gleams into being. But otherwise, this is a strangely static, unattractive piece, a stylistic misfire perhaps meant to underscore the grimness of the situation that mutes it instead.
That's not to say that the film isn't compelling, nor that we don't feel for poor Paul. We do, because Williams and Plummer the younger give good, thoughtful performances. (The less said about Mark Wahlberg as one of Getty's fixers, the better.) And because, of course, we are conditioned to be drawn to stories of the rich in plight. We're lured by the boggling wealth of the Getty family—well, of J. Paul, anyway. Abigail was only a Getty by marriage, and her husband, John Paul Jr., was a drug-addled disappointment to the family. Still, they were proximal enough, living well enough, when a bunch of poor Southern Italians came and violently tried to exploit that. We feel a kind of indignant rage at them for how they mistreat this cute blond kid.


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I've spent the morning playing with Taglets – which is very cool and has the potential to be quite revolutionary as it's offering up an open platform and API for developers. It seems like reverse Twitter in some ways – I create or follow tags that are really keywords of interest to me, and I get comments/discussion streams flowing into my email or as twitter messages to me. I like that it embraces the concept of information flows. I like that comments and followers are anonymous – although there may be a time when I would want to know who adds what. I like that it does not ask me for any password. I like the interface – it's simple easy to navigate/understand and use. It has a very Web 3.0 feel to it – I like that Mark and David are asking folks to explore it and figure out ways of using it themselves!
What I'd like to see added, fully appreciating this is early days :
- comment streams available on the site
- more characters permissible in the creation of tags
- option to get only one email per day with all comments on tags I have subscribed to (I use Gmail as my email client so it's not really a worry as it gets strung into one stream – those who use Outlook and other Clients may find it too much)
- capability to snip URLs in the comments
Taglet links:
Taglets-are-it – an early review
About/API/FAQ's here


text: Announcing our latest Scholarship Recipient Tate Locust November 24, 2015For each year of the past five years the Theosophical Order of Service has awarded a scholarship to a student at the Oglala Lakota College, School of Nursing located on the Pine Ridge Reservation, the poorest in the Nation. The student is chosen by the college based on our criteria. This year's scholarship recipient is Tate Locust. Congratulations! And best wishes for your continued studies, Tate. Read about Tate in his own words: Read more about Announcing our latest Scholarship Recipient Tate Locust


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UK Pound Sterling has started the week in a strong position, gaining significantly against the euro, where monetary policy divergence seems to be taking hold and for once the pair start to trade in a slightly more logical fashion. The pound did, however, fail to hold up quite so well against the dollar, giving up recent highs and failing to breach levels peaked on Friday – indicative that yesterday's moves were more euro-weakness-led as opposed to sterling putting in a strong performance by itself. Public Sector Net Borrowing crosses the wires this morning, and as mentioned previously, whilst this number is normally ignored, today may garner a little more interest simply down to the fact there is little else to pay any attention to. At 2pm BoE Deputy Governor Nemat Shafik is speaking at the David Hume Institute in Edinburgh, where his comments will be closely scrutinised for any forward policy guidance.
US Federal fiscal issues are rearing their head again – it doesn't seem like that long since the last government shutdown, which stretched the US public sector to breaking point, and it's looking like we may well have another one on the cards at the end of this month. Last time it was Republicans digging their heels in over Obamacare, refusing to sign off on the budget unless it was completely defunded. They lost that round, and this time they are being sticks in the mud over a planned parenthood programme. Republicans are less likely to be quite such a thorn now, as they know that if they play their cards right and keep their heads down (and don't come across as petty) they are pretty much a shoe-in to hold the Whitehouse after the looming General Election. Either way, it's not good for the US and it's not great for general sentiment either; as for whether there's much of an impact in the dollar remains to be seen. In other, doom-mongering news, I mentioned previously about margin debt and its prescience over equity returns – since peaking earlier in the year, the rate of change of margin debt in the US expressed as a ratio of total GDP has turned negative, and this has a very strong negative correlation with stock market returns – the last time we saw similar situations were in 2007 and 2000. Hold on to your hats: this could be a violent one.
The euro got off to a fairly bad start this week, dropping noticeably against both the pound and dollar, largely down to nothing more to focus on other than the fact that the ECB are printing a shed load of money. For once the single currency is trading in a slightly more logical fashion, but that never lasts long. From a technical perspective, this certainly looks like a reversal of the recent uptrend for the euro; however, there is significant interest to purchase the euro at around the 1.40 level against the pound and 1.10 against the dollar (corporates who missed the boat last time or were holding out for further moves) and the volumes are certainly significant enough to provide some decent resistance.
Telegraph – no sign of runaway inflation despite robust growth, says BoE deputy.
Independent – Average UK house price to hit £300k within three months.
FT – JCB to cut 400 jobs after emerging market downturn.
Forex News – UK Pound Sterling, US Dollar and EUR single currency commentary provided by Argentex


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Hartley Pit - Two photos taken of old glass slides I have - Bill Rogers
View of the colliery from the railway taken shortly after the catastrophe
The Hartley disaster of the 16th January 1862 was one of the first great mining disasters of Victorian times to catch widespread public attention when upwards of two hundred men and boys lost their lives after a shaft accident at the colliery.
The Hartley colliery, owned by Messrs. Carrs, was in the Great Northern Coalfield and gave it's name to the steam coal that was produced there. The house coal was known as Wallsend coal. The coals from Hartley were shipped to the artificial harbour at Seaton Sluice by a primitive colliery railway, two miles long.
The shaft at Hartley was sunk eighty fathoms, in 1830 to three rich coal seams, the High Main was at thirty eight fathoms and was four feet six inches thick, the Yard mine at sixty five fathoms, three feet thick, and the Low Main at ninety five fathoms. There had been problems in sinking the shaft. A manuscript left by an old pitman, stated that an attempt had been made to build a steam boiler at Hartley during the last century. There had been 'creep' round the shaft and a whole boat load of strong wooden baulks, cut to lengths, had been used at the pit top but this did not stop the creep and the work was abandoned.
The colliery was worked by means of one shaft although there was a staple from the surface to High Main and one from the Yard to the High Main. The shaft was twelve feet in diameter with three inch planking forming the brattice down the centre. The Low Main was accessible only by the shaft which was bratticed down the middle. There were two men at the upper seam at the time of the accident.
There had been a depression in trade in the coalfield and the value of the steam coal had not been fully appreciated but when the demand for this coal was realised the colliery became profitable. Due to the drop in coal prices in 1857, four collieries, worked by Messrs. John Carr and Co., were put up for public auction at Newcastle on the 20th July 1858. They were the Hartley Colliery, the Burradon Colliery, the Cowpen Colliery and the Seghill Colliery, which was the oldest and sunk in 1822. There were three thousand acres of coal at the colliery and it was withdrawn from the auction when arrangements made between Messrs. Carrs and Lord Hastings. Mr. Carr also owned the Burradon colliery and was not in good health.
The mine was subject to flooding and six or seven years before the disaster it was inundated. At the time the engineers thought that they had struck the sea and the pump was too small to do the job of clearing the mine. The pumping engine was installed four years before the disaster and at the time was the largest in the north of England. The cylinders were immense and it generated four hundred horse power and lifted the water two hundred and forty feet up the shaft. The beam weighed forty tons. Even so, water was still a problem in the mine and it was only when they holed into the workings of the abandoned Mill Pit did the water become less of a problem.


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It doesn't look like Wendy Williams won't be returning to her popular talk show anytime soon.
The "Wendy Williams Show," host, who has been on-air for more than 10 years, is reportedly taking an "extended leave" after suffering complications from an injury she got earlier this winter. (RELATED: Wendy Williams Passes Out On Live Television, Then Finishes The Show)
Williams suffered a fractured shoulder just before Christmas but took a turn for the worst during her recovery period and will now require more time to heal than previously expected, her family claims.
Williams' family said in a statement, per Page Six:
As Wendy Williams Hunter previously shared, she fractured her shoulder and has been on the mend. Over the past few days, Wendy has experienced complications regarding her Graves' Disease that will require treatment. Wendy will be under the strict supervision of her physicians, and as part of her care, there will be significant time spent in the hospital. Despite her strong desire to return, she is taking a necessary, extended break from her show to focus on her personal and physical well-being.
Williams was expected to return by January 14 of this year, but complications from Graves Disease — a condition that causes the thyroid to overproduce hormones — have made her recovery difficult.
View this post on Instagram
Wendy Williams will be returning with all-new episodes of The Wendy Williams Show on Monday, January 14, 2019. After fracturing her shoulder, Wendy is on the mend and wants to return pain-free and be 200%, delivering the best show that millions of viewers tune-in to watch.
"Wendy thanks everyone in advance for their well-wishes and for respecting her and the Hunter family's privacy during this time," the statement continues.
Wendy suffered scary several health issues in 2018. The popular daytime host collapsed on live television in October after reportedly getting overheated in her Halloween costume.
Scary Moment — Wendy Williams Faints on Live Television pic.twitter.com/MTiJiVjlpN
— Jon Levine (@LevineJonathan) October 31, 2017
It's not clear when Wendy is expected to return now, or what sort of complications she's suffering from. Some have speculated she's dealing with more of a personal issue, as reports that her husband has been cheating on her have surfaced in recent weeks.


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OKEECHOBEE — Repairs to the aging Herbert Hoover Dike are critical for the safety of those who live south of the Big O, but changing the lake schedule when repairs are complete would be harmful to the lake, which is the heart of the Everglades, according to a study published in April 2017 by Paul Gray, Ph.D., of Audubon Florida.
The lake needs seasonal periods of high water and low water to maintain the health of the ecosystem. But water above 16 ft. even for short periods is damaging, as are prolonged periods of low water.
Data from the past 65 years show that levels above 16 ft. are damaging to the marshes, the birds and the fishers, according to the study.
"When Okeechobee levels rise above 16 feet, even for short periods of time, environmental degradation results. When lake management schedules persistently hold water levels higher than 16 feet, the damages are compounded," Dr. Gray wrote.
A deeper lake is also a dirtier lake, Dr. Gray wrote. "At levels above about 15.5 feet, nutrient rich water from the middle of the lake flows into the marsh, degrades water quality, shades out desirable plant communities and encourages noxious plants such as cattails to expand.
"Conversely, low phosphorus levels in the lake occurred after a multi-year period of relatively low water conditions."
Phosphorus levels in the lake vary with higher phosphorus in the center of the lake and lower levels in the marshes around the edge.
"Originally, Lake Okeechobee was larger and deeper than today but this has been forever changed by the modern water management system. Any future lake management scenarios must consider impacts to the lake and competing needs outside of the lake," he wrote.
Construction of the Herbert Hoover Dike reduced the lake's footprint by about one-third, according to U.S. Army Corps of Engineer records. In order to maintain a marshy area around the edges of the lake, the water levels must be kept below 16 ft.
From 1951 to 1978, the regulation schedule for the lake has a high level objective of 15.5 ft., roughly the same level as the highest ground elevations within the Herbert Hoover Dike. Water levels of 15.5 ft. flood the entire marsh that surrounds Lake Okeechobee. During the dry season, the water levels fell, allowing portions of the marsh to dry out. "This period was considered one of marsh plant diversity and health," Dr. Gray wrote. "Everglade Snail Kites and wading birds nested in the lake in abundance, wintering waterfowl were abundant, and the fishery was productive." The lowest level during this time period was in 1956 when the lake fell to 10.14 ft.
From 1978-1992, the lake regulation schedule was changed to 15.5 to 18.5 ft.
This extended period of high water created an ecological emergency, Dr. Gray wrote. The state-convened Lake Okeechobee Littoral Zone Technical Advisory Group's 1988 report found problems including loss of wading bird habitat, decline in willow, and loss of moist soil annual plant production. That advisory group recommended lowering the lake level to improve fish and wildlife habitat in the littoral zone (the marshy areas around the lake).
From 1992 to 2000, more harm to the lake resulted from high water levels maintained above 15.5 ft., Dr. Gray continued. The Corps adopted a new schedule in 1992, designed to keep the lake between 15.65 and 16.75 ft. This did not allow the marshy areas to dry out – except during droughts – and by 2000, the result was the loss of most of the wading bird nesting areas inside the dike and a "crash" of the fisheries. In addition, dead plants in the outer marsh edges formed a large organic berm.
From 2000 to 2008, the Corps adopted a new schedule that allowed the lake to drop lower than previous schedules but still allowed high lake levels, the report continues. High water events over 17 ft. in 2003, 2004 and 2005 created serious environmental problems within the lake, including the loss of about 45,000 acres of plant communities. This damaged the spawning areas for fish, allowing no cover for the small fish. The Speckled Perch (black crappie) fishery crashed and would not recover for almost a decade.
A new lake schedule was adopted in 2008, with the goal of keeping the lake level below 16 ft. most of the time. "Lower levels were adopted partly to ensure the safety of the HHD, but also in recognition of the repetitive harmful impacts that had occurred from higher Lake levels," Dr. Gray continued.
"The 2015 South Florida Ecosystem Report details that in the 6 years since the adoption of LORS, there had been substantial recovery of submerged aquatic vegetation, bass and crappie fisheries, wading bird and Everglade Snail Kite breeding and feeding and other biological improvements in the lake. The famous FLW Bass Tournament on Lake Okeechobee in 2011 saw the three heaviest stringers of bass ever caught in the history of the tournament."
In 2016, an unusually wet dry season pushed the lake above 16 ft., despite water managers efforts to keep the lake lower. Data from the periods in which the lake was above 16 ft. shows even short periods of high water are damaging to the marshes, with a loss of 23 sq. miles of plant communities during that time. Wading bird nesting in 2016 was 49 percent below the 10-year average.
Dr. Gray concluded that lake levels in the 12.5-15.5 foot range are ideal for thriving plant and wildlife communities.
"When the lake rises above 16 feet, harm begins, and accelerates if levels continue to rise," he wrote.
"Lake Okeechobee is one of the great natural resources of our nation. Its bass fishery is world famous, its black crappie fishery can yield more fish than the rest of Florida combined. It is critical for the endangered Everglade Snail Kite, is a migratory stopover for millions of birds, and hosts a significant percent of wading bird nesting in the state.
Any future decisions about Lake Okeechobee's water levels must carefully consider the impacts of holding too much or too little water in the lake," he concluded.