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In the digital age, our constantly connected lifestyles rarely allow us to switch off. Our phones, laptops and tablets mean we can shop online, surf the net, check work email, and scroll through social media anytime we like — including when we're curled up in bed.
Our children are also increasingly being affected by too much screen time. Playing games on tablets, chatting with friends online, and watching TV in bed have all crept into the nightly routine.
The result of these constantly connected lifestyles? Many of us are becoming chronically sleep deprived. This in turn can negatively influence everything from our productivity and memory, to our stress levels, eating habits, and even our relationships.
Why does screen time harm sleep?
Our electronic devices emit something called 'blue light', which is the same wavelength of light as the morning sun. This tells your brain it's time to wake up, which halts the release of melatonin— the hormone produced by your brain in the evening to make you feel sleepy.
Such devices can also be a source of overstimulation and stress. Work emails, scrolling through the news, online gaming, or watching a movie often leave us feeling alert and switched on, just when we should be dropping off.
Tips for limiting screen time
To help you and the kids limit your evening screen time, try the following five tips:
1. Have a device shut-off time
At least two hours before bed, turn off all laptops, tablets and phones. As a family, you might want to decide on a specific time so everyone turns off their devices together. Being consistent about when this happens is the key to success.
2. Go silent
If turning off all of your devices feels like too much of a stretch, try turning off email alerts and push notifications for your apps. Go one step further and put your devices away in a drawer. Out of sight is out of mind.
3. Set a schedule
Setting a fixed period for screen time is especially useful for kids.Choose a time of day, and a duration, when they can watch TV, or play on their devices. That might involve giving them one hour while you cook dinner. To automate screen time and stay consistent, tools such as Circle let you limit when and for how long everyone is online.
4. Apply a blue light filter
Most smartphones have a built-in night setting that apply a blue filter to your screen. This reduces eye strain and helps you have a more restful night's sleep. You can also download a free programme called f.lux for laptops.
5. Have a device-free bedroom
Come bedtime, leave your devices in another room and rely on a regular alarm clock to wake you. You'll be less likely to check your phone if you have to crawl out of bed to find it in the dark.
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Rose Quartz Gemstone Heart Shaped Necklace Silver
Rose Quartz Gemstone Heart Shaped Necklace Silver
Brand: Tiana Jewel
Product Code:
Availability: Out of stock
Out of stock
Have a question?
This rose quartz gemstone necklace will be the perfect valentines gift. Rose quartz is known as the stone of unconditional love and friendship. It opens up the heart, increasing self-love, healing, and inner peace, establishing greater compassion, and harmony in oneself and relationships.
- Natural gemstone sourced in Brazil.
- Sterling silver 18" delicate chain, necklace length is 18".
- Gemstone measures approx 20mm.

subset: commoncrawl


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Swordy PAX Aus Press
November 20, 2014
Joshua Fargher, Hopscotch Friday
…brutal face-smashing gameplay with a colourful art style that sees the guts of your opponents splattered across the floor in swatches of technicoloured pixels, Swordy promises to be mad fun.
Lucy O'Brien, IGN
For pure, unalloyed fun, Swordy from New Zealand studio Frogshark takes the biscuit… It's utterly spectacular mayhem.
Michelle Starr, CNET
Let me tell you about my favourite indy game of the show. It's like putting four of Diablo's barbarians in a confined space and watching them whirlwind at each other like maniacs and it's every bit as fun as that sounds.
Sean Goodison, Highscorekid
I had a bunch of fun swirling my weapon and running for cover.
Raj Deut, Reckoner
Swordy executes that core mechanic so brilliantly it is just a blast to play. Looks pretty too, that flat polygonal texturing style works well in the game.
Stuart Nicholson, Five Volt High
Swordy is a part of a growing number of local competitive games that promise to keep your game nights buzzing with laughter until things start to get a bit heated over controller supremacy.
Ben Pfarrer, Aussie Game Geek
One title worth mentioning was Swordy, a 2D top-down fighter game with up to eight players.
Brendan Roberts, Progress Bar
There was a huge ANZ Indie area showcasing the work of local developers including kiwi outfit Frogshark showing off their odd physics-based combat game, Swordy.
The longsword spinning tactics that I see some of the players using kind of remind me of Hammerfight.
Isaac L, SharcTank
Unique… it looks really good.
Extreme Beyond
The rad name was enough to get my initial attention… but the game itself kept me at the booth.
Nate Burr, Blunty
Frogshark Podcast #01: PAX AUS Post Mortem
PAX AUS 2014 Photos


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Liverpool Football Club will not be forced into panic buying inferior players this summer if they cannot secure Klopp's top targets.
Panic buys.
My least favourite thing in the world.
Nothing screams "we messed up badly somewhere this summer," like being linked with Alexis Sanchez all window, only to see Mario Balotelli being paraded as your Luis Suarez replacement.
There's been a lot of panic floating around on social media in particular, with the fear being that the Reds may end up doing something very similar this summer.
The van Dijk and Keïta sagas have continued to rumble on with seemingly no progress on the surface, while even positive news on deals for Andy Robertson and Alex Oxlade-Chamberlain has been hard to come by.
The fear is that Liverpool will miss out on all four of these players and that the contingency plan, if there is one – there is, don't worry – will be to sign players of a far inferior quality, representing the 'panic buy' mentality.
But we really shouldn't be worrying about that. At all.
Jürgen Klopp has already asked for patience from the fanbase and I'd be very surprised if, just one week into the summer window, he was panicking to the same degree that half of Liverpool Twitter is doing right now.
The German is a veteran of the summer transfer window. He knows who he wants, he knows how to get them and most importantly, he understands how trying to sign big-money targets works.
It takes time.
According to the Sunday Mirror, Klopp is said to be very much relaxed over the Reds current situation in the transfer market, despite only signing youngster Dominic Solanke and winger Mohamed Salah so far.
They quote an 'Anfield insider' who reveals: "Jürgen is happy with how our transfer business is being conducted.
"This summer was always going to be about quality rather than quantity and the manager understands that landing the kind of players he wants was always going to be about being patient.
"There is no sense of worry or panic. This window is about bringing in players who are better than the ones who are already here."
Now, as much as you should take quotes from mysterious 'Anfield Insiders' with a pinch of salt, this truthfully tells us nothing we don't already know.
We know Klopp is after quality players this summer and has identified a very small pool of targets that he personally believes will strengthen Liverpool's squad this summer – not just add to it. He's revealed himself that he is happy to be patient in order to get deals done and most importantly, we know he has alternatives in place for if something goes wrong.
How do we know this?
He's already gone and signed one of them.
Mohamed Salah may look like the typical Jürgen Klopp signing but the winger was not his first choice. It was well documented earlier this year, that Klopp was desperately trying to convince Julian Brandt to move from Bayer Leverkusen and it was only once that became a truly dead-end option that Liverpool made their move for Salah.
While it may be frustrating to just sit back and let the club work away behind closed doors while our rivals are completing big money deals for the likes of Romelu Lukaku, Alexandre Lacazette and Bernardo Silva, we must remember that not all transfer deals can be done so quickly.
Other big sides are struggling to get their own deals across the line, with Spurs not seemingly making any movement whatsoever so far, Chelsea missing out on what looked like a sure-thing in Romelu Lukaku and letting the Tiemoue Bakayoko saga continue to rumble on endlessly, while even Manchester United, despite securing Lukaku, have struggled to wrap up deals for Fabinho, Nemanja Matic and Ivan Perišić so far.
It is frustrating, believe me, I know. All I want is to be able to buy my "Keïta 8" away jersey and get on with it but sadly, Football Manager and real life are two very different things.
The club are working their hardest to get deals over the line and all we can do now as fans is sit back and be patient.
Ben Smith, a former employee of the BBC and generally reliable source of Liverpool information, has claimed on Twitter that the Reds transfer dealings will "gather momentum next week," so who knows, we could be closer than you think.


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10K Emerald Tree of Life Pendant Necklace
- Approximately 3/4" Wide in diameter; 18" 10K Gold Chain included
- 10K Yellow Gold with One Emerald Accent
- Made in Ireland by Artisan Jewelers
- Hallmarked at the Assay Office in Dublin Castle
A stunning design, this gold Tree of Life necklace will make a special gift for a family member or loved one. While the Tree of Life is known across many eritages, in the Celtic heritage it is known to represent a strong sense of family and growth.
This Tree of Life pendant features a traditional symbol with added Trinity Knots representing eternal love. The pendant is crafted with 10K gold and green crystals on the leaves for a stunning combination of colors. The Irish necklace measures approximately 3/4" in diameter and hangs on an 18" long gold chain.
Shipping time 3-5 Business Days.


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Card - #Blessed
Card - #Blessed
He's the original OG and savior, and more blessed than the best. It's not bragging if you're willing to share, right? Follow in his footsteps and spread the holiday joy with this hand illustrated greeting card.
Includes: one blank folded notecard. Printed on recycled 80# mohawk felt cover in 'cool white'.
Dimensions: A7 (5 in. x 7 in.) Enclosed in kraft envelope.


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Our round-up of news, notes, tips and tweets exhibiting how public diplomacy affects the world each and every day.
According to Foreign Policy, legislation was agreed on in the House to overhaul Voice of America (and consolidating RFE/RFL, Radio Free Asia and the Middle East Broadcasting Network) as an explicit public diplomacy tool. Translation: new VOA mission to promote U.S. foreign policy goals rather than provide objective global reporting.
The new legislation tweaks the language of VOA's mission to explicitly outline the organization's role in supporting U.S. "public diplomacy" and the "policies" of the United States government, a move that would settle a long-running dispute within the federal government about whether VOA should function as a neutral news organization rather than a messaging tool of Washington … Besides clarifying VOA's mission, the bill reorganizes the federal agency responsible for supervising U.S.-funded media outlets, the Broadcasting Board of Governors. Instead of being led by a group of part-time board members, the bill establishes a full-time, day-to-day agency head. It also consolidates Radio Free Europe, Radio Free Asia and the Middle East Broadcasting Network — other foreign-facing broadcast outlets — into a single non-federal organization, and aims to save costs by downsizing the number of federal contractors at the outlets in the years to come. [Foreign Policy]
Has American journalism lost all impartiality and objectivity? If our #PublicDiplomacy is that bad @StateDept can hire more PDOs. #VOA bill
— Maharet Bloom (@MaharetBloom) April 30, 2014
Belated post: ZunZumeo was far from the only USAID attempt to foment foreign political discussion via self-made social media networks.
The United States built Twitter-like social media programs in Afghanistan and Pakistan, like one in Cuba, that were aimed at encouraging open political discussion, Obama administration officials said Friday. But like the program in Cuba, which was widely ridiculed when it became public this month, the services in Pakistan and Afghanistan shut down after they ran out of money because the administration could not make them self-sustaining. In all three cases, American officials appeared to lack a long-term strategy for the programs beyond providing money to start them. Administration officials also said Friday that there had been similar programs in dozens of other countries, including a Yes Youth Can project in Kenya that was still active. Officials also said they had plans to start projects in Nigeria and Zimbabwe. Some programs operate openly with the knowledge of foreign governments, but others have not been publicly disclosed. [New York Times]
Under Secretary Richard Stengel penned a piece for DipNote calling out Russia's propagandistic tactics.
Moscow is subjecting Ukrainians, Russians and the rest of the world to an intense campaign of disinformation that tries to paint a dangerous and false picture of Ukraine's legitimate government. Russia Today, the Moscow-based TV network financed by the government, is a key player in this campaign of distortion. Along with its Russian operation, RT operates an English-language broadcast out of Washington. Last week, Secretary of State John Kerry referred to RT as a "propaganda bullhorn," which was promoting Russian President Vladimir Putin's "fantasy." The result was a predictable howl of protest from RT's editor, who claimed the State Department knows little about what is really happening in Ukraine today and had the audacity to request an apology. [DipNote]
Why national identity and #gastrodiplomacy are on the menu at state dinners, by @tejapristavec http://t.co/E2l2y5BYSz — Kate Shea Baird (@KateSB) April 28, 2014
Interesting piece on the potential of the Coursera-State Department partnership.
The State Department-Coursera partnership gives embassies overseas a fantastic outreach tool. The partnership highlights the best features of American higher education: openness, rigorous standards of scholarship, great teaching, and top thinkers. Admittedly, a single online course is no substitute for a university education. However, the Learning Hubs program has the potential to inspire students to pursue a particular course of study, to seek further study opportunities in the U.S., or simply to spark their curiosity or challenge their thinking of the U.S. [CPD Blog]
Here is a detailed breakdown of Chinese President Xi Jinping's January speech that vowed to boost China's soft power and cultural diplomacy efforts.
The president indicated that promoting China's soft power and improving its image would be a primary focus of the Chinese government. He noted that the country should publicize the "Chinese dream," a term Xi coined to refer to "the Chinese people's recognition and pursuit of values, the building of China into a well-off society in an all-round way and the great rejuvenation of the Chinese nation." In addition, he called for the continuation of domestic reforms that advance China's culture, creativity, and socialist values. [Carnegie-Tsinghua Center for Global Policy]
As the World #Tweets: The New Tools of #Diplomacy | The Aspen Institute http://t.co/WBxhpHa2sh #publicdiplomacy #digitaldiplomacy
— APDS (@USC_APDS) April 29, 2014
Australia's foreign minister, Julie Bishop, writes an op-ed for The Malaysian Insider celebrating Australian public diplomacy initiatives toward ASEAN nations.
The new Australian government has adopted a policy of "economic diplomacy" as a key platform of our foreign policy, to ensure that we unlock the productivity-enhancing benefits of closer trade and investment ties in our region. Just as traditional diplomacy aims for peace, economic diplomacy aims for prosperity. It is timely that we reflect on Australia's partnership with Asean, as we reach the milestone of 40 years of bilateral relations this month. [The Malaysian Insider]
Stellar compilation of Twitter reactions to hashtag diplomacy via John Brown's Public Diplomacy Press and Blog Review.
photo credit: Foreign Policy


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Ames Forester
Article Title
The Mississippi Valley is the backbone of the economic structure popularly known as Uncle Sam. Every time flood waters break out of bounds and sweep destruction in their new-made path to the ocean, Uncle Sam, for the time-being, is in much the same position as a man with a broken backbone. Not only are millions of dollars in damage done, but the buying power of the Valley is impaired. Thus control of the flood-making condition is of vital interest to Iowa, or any other great section that has something to sell. Control of floods in the Mississippi Valley is a national question and not a local one.
Recommended Citation
Pack, Charles Lathrop
"Uncle Sam's Broken Back,"
Ames Forester: Vol. 16
, Article 3.
Available at: https://lib.dr.iastate.edu/amesforester/vol16/iss1/3


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Very elegantly summer beret looks on little girls-it gives tenderness and stylishness to the image of the baby. Especially if it's an openwork beret, crocheted from a thin thread. Such an almost weightless headdress does not cause any discomfort to the delicate baby skin, but reliably protects the child from overheating and hypothermia. In addition, having decorated beret for a girl with beads, beads or bright ribbons, you can successfully combine it with different clothes and accessories.
- Yarn: Alize Forever 100% microfiber-acrylic, 50 g / 300 m, Color 01-633070. Yarn consumption: 30 g.
- Tools: hook 1., white thread, needle
- Density of knitting: horizontally Pg = 3.9 loops in 1cm
- Berth size: 50-51
- Additional decorations: beads
Summer beret for the girl - step by step instruction
A light child's crochet can be knit from several composite elements, connected separately, but it is possible without cutting off the working thread, as in the master class prepared by us.
Choice of materials and schemes
As the main scheme of the summer beret, scheme 1 is used. The presence of a large pattern in combination with air loops will make this beret for the girl light-fitting.
On a note! When choosing a pattern for a summer baby beret, consider the thickness of the yarn you will use. Schemes of lace patterns look good only in combination with thin threads. If you plan to use a thick thread, then give preference to symmetrical patterns.
Main part
- We type 4c. and close them in a ring.
- Next, we knit according to the scheme 1. The notation used in the scheme:
. - air loop
× - column without crochet
| - one-spool post
̑ - connecting loop
On a note! As a basis for the summer beret crochet can also use the scheme of tablecloths and napkins.
- We tie a circle with columns with a crochet. For the required volume, three rows should be tied. We get a circle with a diameter of 24 cm.
- The loosening of the middle part of the summer beret involves the reduction of loops. Therefore, every second column with a crochet we combine with the neighboring one to gradually reduce the volume.
Important! The more sharp the reduction of loops, the more flat it will take.
Next we knit a mesh. For reception of a reticulum dial st. c / n., c. etc., connect the station. with / n. c. of the previous row. We knit a grid with five rows. If necessary, you can increase or decrease the number of rows.
- Then we tie the product in columns without a crochet.
Beret decoration
To decorate the summer beret we knit a flower according to the scheme 3.
- First row: dial 6c. and close in a ring.
- The second row: we dial 3в.п. We knit 18 tbsp. with / n.
- In the third row we form petals. We type 7c. etc., we connect them art. b / nv in the third loop of the previous row. So we knit all six petals. We tie the flower petals according to the scheme.
- We adorn the flower with beads and sew it to the baby's beret.
- Summer beret for the girl, crocheted ready!


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Watch Swedish Television story on GME's new route choice when it comes to the energy grass reed canary grass. Read the full story on the SVT website. The way ahead passes through cows and horses Glommers Environmental Energy AB have after years of effort and development concluded that the most economically viable way for Briquetted reed canary right now is to use it as bedding for horses and cows. Then wood chips will be released which instead could be used for bioenergy. Reed canary grass has the advantage that it could ultimately be returned to farmland and become a natural part of the cycle which cutter shavings of wood is not suitable for.
To learn more or order Reed canary grass Bedding. Contact Bo Lundmark on +46 70 246 86 93 or email firstname.lastname@example.com


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You sure can.
The Entrepreneurial Operating System (EOS) is a popular and effective business methodology founded by Gino Wickman. A vital part of executing on EOS is having regular, weekly, structured meetings, called Level 10 Meetings. This kind of meeting is exactly what Tadum was created for! These meetings are held at the same time and place every week and have the following agenda sections:
- Segue - Each person shares one personal and one business highlight from the past week.
- Scorecard Review - Update/report on metrics.
- Rock Review - Each person shares the status of their 90-day goals ("Rocks") as either on track or off track.
- Customer/Employee Headlines - A quick report of good/bad news about customers and employees.
- To-Do List - Each person shares the status of their previously assigned To-Dos as done or not done.
- Issues: Identify/Discuss/Resolve (IDS) - Prioritize all issues and then go through the IDS process starting with the highest priority.
- Conclude - Recap the To-dos for next meeting and have each person rate the meeting from 1 to 10.
Sections 1 to 5 are meant to be reports only. If an issue comes out of any of these, it is added to section 6.
The Level 10 meeting agenda can be created in Tadum using the following sections for your agenda:
- Segue → Discussions
- Scorecard Review → Metrics
- Rock Review → Updates
- Customer/Employee Headlines → Discussions
- To-Do List → ToDos
- Issues: Identify/Discuss/Resolve (IDS) → Discussions
- Conclude → Discussions
The Segue and Customer/Employee Headlines fit under the Discussions section because these can be listed as quick items that are either opened or closed.


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Calls for London Mayor to build council housing on Holloway site
As part of our Community Plan for Holloway project we have been working in partnership with local people and organisations in Islington to put forward a positive vision for the former prison site.
Islington Homes for All have launched a petition calling for London Mayor, Sadiq Khan, to negotiate with the Ministry of Justice to keep the Holloway site in public ownership and to use the Affordable Homes Fund to build council houses there, alongside facilities for the local community, particuarly women.
The petition reads:
Last November London's Mayor Sadiq Khan called for affordable housing to be built on the 10 acres of land at the vacant Holloway Prison site. Any redevelopment at the site must be for people in housing need - not luxury private apartments. The local Council has a waiting list of 18,000 and supports the use of public land for public benefit.
People need homes they can afford, where they can live securely, and we believe that Council Housing is the only way guaranteed means of meeting this need.
We therefore call on Mayor Khan to negotiate with the Ministry of Justice to ensure that this public land remains in public ownership, and to use money from his £3.15 billion Affordable Homes Fund to enable Council Homes to be built there, alongside facilities for the local community, especially women, thus providing a legacy for Londoners.
Last November a petition by Islington Homes for All and Islington Trades Council calling for Sadiq Khan to purchase the Holloway site reached nearly 6,000 signatures.


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The Grove is a splendid mixture of old and new. Originally a private residence, it retains the charm and warmth of a family home yet has been extended and refurbished to meet the needs of our elderly residents. Our 32 spacious bed sitting rooms are fully fitted, all with en-suite facilities, designed to offer comfort and security to provide a real home from home and are all fully wheelchair accessible.
All of our rooms feel different as you are welcome to bring your favourite personal belongings and soft furnishings to ensure it feels like home. Our communal lounges, dining rooms and conservatory are comfortable and homely and many of our residents love to spend time here, chatting amongst themselves, watching TV, catching up on news or some often prefer to sit quietly looking out on to our beautiful, well-kept gardens. Meal times form an important part of the day here at The Grove, which is why our chefs are committed to creating menus that are both delicious and nutritious to ensure you enjoy the food you are eating and are benefitting from a varied and balance diet.
Meal times are a time when we all come together and are generally a lovely, sociable time of day. Whilst The Grove has a warm and homely atmosphere, the rooms and communal areas are spacious enough so that you have company when you want it or peace and quiet when you don't. We offer a wide range of popular activities which you can choose to participate in if you wish; by far our most popular activity is the weekly chairobics session which is organised by a fitness expert specialising in elderly exercise but often our residents host their own sessions with our support such as our popular music appreciation group. For us, the key thing is to recognise that everybody's needs and interests differ, which is why we have tailored our home to respect and respond to your privacy and individual requirements to ensure that The Grove is very much your home.
I look forward to speaking to you soon.


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Thomas Frost
Associate & LPL Financial Consultant, Fresno Office
With nearly 2 decades of industry experience, Tom is a contributor to our team in several areas. He acts as the primary advisory contact for a significant number of our joint clients. He is a leader in our investment research process, spearheads our investment committee and aids in the construction of portfolios that help our clients with difficult investment decisions. With his knowledge of what clients value most, Tom is able to help establish objectives, develop an appropriate strategy, and recommend appropriate strategies. Tom brings excellent communication skills and experience as a previous business owner. Tom is a faithful supporter of no kill animal shelters as well as the charities supported by the Thiesen Dueker Group. In his free time he enjoys playing golf, attending live music events, spending time with his dog, Charlie, and of course, Bulldog tailgating with clients and friends.


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Comprehensive Education of RES in Rural Karst Area: Sustainable Development of Solar Water Pumping System in Banyumeneng Village, Yogyakarta, Indonesia
2. Department of Electrical Engineering Universitas Indonesia, Depok, Indonesia
Abstract—Sustainability is the key issues in the development of Renewable Energy System (RES) in Indonesia. Some government's RE project just run for short-time period and then technically malfunctioned [1]. The main reason was a lack of local people's knowledge on RES and the absence of capability of local community in maintenance aspect. This paper presents an example of RE project in Banyumeneng Village namely Solar Water Pumping System (SWPS) which continuously runs over 7 years. By having a comprehensive knowledge transfer and adequate education program to the local people, the sustainability in this RE project can be achieved. This paper presents, its evaluation is done by using SWOT analysis to measure on effectiveness of knowledge transfers in this capacity building programme. Recommendations required to improve the educational method in sustaining RE project in Indonesia are presented.
Index Terms—renewable energy system, sustainability, local education
Cite: Fiki Rahmatika Salis, Aloysius Damar Pranadi, Rachmawan Budiarto, Fitrotun Aliyah, and Dwi Novitasari, "Comprehensive Education of RES in Rural Karst Area: Sustainable Development of Solar Water Pumping System in Banyumeneng Village, Yogyakarta, Indonesia," International Journal of Electrical Energy, Vol. 6, No. 2, pp. 74-78, December 2018. doi: 10.18178/ijoee.6.2.74-78


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Hall of Fame inductee Mark Forman described 10 lessons he learned and two tips he offered for solving government problems.
Rick Steele, GCN
Brig. Gen. Susan Lawrence, Defense Executive of the Year, received a standing ovation when she appeared on screen from Qatar.
IT leaders from government and industry filled the ballroom at the Washington Hilton.
Rick Steele, GCN
Bruce James, Civilian Executive of the Year, shares the credit for modernizing the Government Printing Office with other leaders and employees at GPO.
A member of the Doc Scantlin Orchestra opens the dinner with "The Star-Spangled Banner."
PostNewsweek Tech Media editor-in-chief Tom Temin welcomes the more than 1,000 attendees.
The military color guard presents the flags for the National Anthem.
Feds and industry representatives mingle during the pre-dinner reception.
Kristy Niro, daughter of the late Arthur Cebrowski, Hall of Fame inductee, delivers a heartleft eulogy.
The Doc Scantlin Orchestra gets the evening going with some Big Band tunes.
David Drabkin and Josh Sawislak of GSA talk shop during the reception.
Stephen Rohleder, COO of Accenture, accepts his award as Industry Executive of the Year.
Tom Temin holds up one of the government's first HSPD-12 cards. Agencies' deadline for being able to produce the cards is Friday, two days after the awards.
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New collaboration technologies ramped up in the wake of the pandemic have introduced some new challenges.
The National Institute of Standards and Technology's Phish Scale quantifies characteristics of phishing emails that are likely to trick users.
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Read the latest review on Healthgrades.
Sarcomas are malignant tumors that develop in the soft tissue or bone, and make up only 1% of all adult cancers. If you have been diagnosed with a sarcoma, it is important to seek an expert opinion from a team with extensive experience treating this type of cancer.
At Ackerman Cancer Center, our radiation oncologists have more than 25 years of experience treating patients. Our patient-focused philosophy means that you will be involved in every step of your treatment planning, and that the physicians will always take time to discuss any questions or concerns you might have about your sarcoma. Contact us today at 904-880-5522 to find out which treatment options are best for you.
Visit our wellness calendar to find out about upcoming support programs at Ackerman Cancer Center.
Patients at Ackerman Cancer Center have access to some of the most advanced technologies for treating sarcomas, including:
Proton therapy is one of the most precise, advanced radiation treatment modalities available today. In traditional photon radiation, the x-ray beams travel through the tumor destroying both cancerous and healthy tissue along the way. Proton therapy provides a more efficient solution by utilizing charged particles (protons) to penetrate the tissue and deposit nearly all of their energy directly at the tumor site, thereby reducing damage to surrounding areas.
Ackerman Cancer Center is proud to be the world's first private practice offering its own proton beam technology. While proton therapy is not right for every patient, the radiation oncologists at Ackerman Cancer Center will consider all options when developing your personalized treatment plan.
Being diagnosed with cancer raises many questions. Learn what to expect during treatment here.
For more information about the Ackerman Cancer Center and its available treatment options, please call 904-880-5522.


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Candidates must prepare for all types of police question. Here, we review the details you need to know.
MCQs form the backbone of police test questions. Here, you are asked a question and offered 4 possible answers. You are asked to either select the correct answer, or to select the "most accurate" answer from the choices provided.
During the reading comprehension test, you may also be asked true/false type questions. Here, you must be careful to read, re-read and triple read the paragraph in question. True/false questions can be deceptive. You need to take your time.
Don't underestimate the value of educated guesswork. By eliminating just one of the possible answers, you increase the probability of choosing the right answer by 8%. If you eliminate 2 answers, this jumps to 25%. So even if you don't have a clue what the answer is, try to "work out" what cannot logically / possibly be true. It can make all the difference!
The police polygraph exam establishes whether you are being deceptive.
Police written test examines your critical thinking and comprehension skills.
The fitness exam tests your strength, versatility and cardiovascular ability
The oral board exam tests your suitability to the role of a police officer.
Take a few minutes to review some of our sample questions. Here, we review the type of question
you can expect as well as detailing our comprehensive answer explanations to help plug any gaps in your police test knowledge.
Click to Play!
Click to Play!
Click to Play!
You must take as many police practice tests as possible. The more questions you try, the more you learn about your strengths and weaknesses and – more importantly – how to turn those weaknesses into strengths.
Answering police exam questions doesn't need to be difficult. At first, questions are daunting. There's no doubt about it. The more you study, the more you practice police test questions, and the more you actively seek to identify your weak spots and to plug those gaps in your knowledge – you rapidly improve in just days!
There are a limited number of places in the police academy. You can't "just pass". You need to excel, have an edge, and beat the competition. Whilst the task is not an easy one, it's doable if you have the motivation and determination to develop a plan for your police study in the weeks and months ahead.
How did you score on the three tests above? Found them difficult? That's a good thing. That means you've learned something; and it gives you the benchmark of the standard you need to achieve. Now you need to take the police test!
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Vintage Gentleman 3D Biplane | By Lou.
Good Morning everyone,
It's Lou in for you today with a really lovely little make. When I saw this Laserowe 3D Biplane in the shop I just couldn't resist it. I wasn't quite sure when I got it just what I wanted to make with it until I had put it together and then I remembered I had this little trinket box in my stash of 'Stuff to play with one day because it might be cool'!!!!
Let's take a look around the box! Aren't those stunning Pion Designs- The World Awaits papers just the best around all the sides. I may have cried a little at my ever depleting 6x6 collection but boy oh boy is it worth it because it looks so nice tying into the 3D biplane atop.
I adhered the biplane to the top with some wood glue so I knew it would be nice and sturdily attached and not just fall off when opened!!!
As you lift the lid of the box I used a couple of the 'posters' on one of the papers and the little set of suitcases from another piece to tie in the theme.
This little trinket box would be so nice for saving up holiday pennies or keeping little keepsakes from a special trip.....mine However, has been stolen by my son for 'putting cool stuff in'!!!!
I couldn't resist pulling apart a little cotton wool ball to make some 'clouds' for my biplane to be bursting through!!!
Links to Products I used:
Laserowe Love Vintage Gentleman 3D biplane
Pion Designs- The World Awaits
Swedish House Crafts is pleased to announce the wholesaler and retailer for Paper Nest Dolls in UK and Europe. For wholesale enquiries, please visit: https://www.swedishhousecrafts.co.uk/wholesale If you have any questions please contact: firstname.lastname@example.com


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Protection Review Awards 2020 – HOW TO ENTER
To enter this year's awards please submit your entries in Word format via email to Jo Miller [email protected]
All entries should be no longer than 500 words and must include a sourced testimonial from a third party – such as a customer or adviser.
When putting together your entry please use the format of 'Two stars and a wish' – Two things you or your company has done well over the last year plus one thing you would like to do or improve either within your organisation or across the industry. In previous years the 'wish' element of some entries has been very generic – please try to be specific where possible (and note that sometimes judges may refer to previous wishes to see if these have been progressed).
Entries are 500 words maximum, no supporting information is required and entries should not include videos, links, graphics, PowerPoint slides, images, sales aids or any other materials.
For most categories we typically expect entries to be from the customer/adviser facing organisation (i.e. insurer, adviser etc) however any companies can enter any relevant category as appropriate. Where the award is open to a specific type of organisation this is indicated on the award criteria.
We pride ourselves on the robustness of our overall judging process and aim to uphold integrity at every step.
Our judges this year are Roger Edwards, Kevin Carr and Jo Miller, Peter Le Beau and Andy Couchman. And some categories may have additional guest judges.
They will decide the winners by considering your votes, written entries where appropriate, their industry knowledge and any other relevant information they pick up along the way. The aim is for the results to be as independent as possible – but the real test for us is not the process, but whether the best people and companies win.
Voting and entries open – Friday 7th February
Voting closes – Friday 11th September 2020
Deadline for ALL written entries – Friday 11th September 2020
Judging day – 29th September 2020
Shortlists announced after judging
Categories to enter:
Innovation Award
Underwriting & Claims Award
Protection Intermediary of the Year
Individual Protection Adviser of the Year
Best New Product
Young Achiever Award
Health Insurance Adviser of the Year
Doing it Better Award
Unsung Hero Award
Best Care and Support Experience Award
Categories that do not require a written entry:
Personality of the Year
Protection Journalist of the Year
Organisation of the Year
Lifetime Achievement Award
Awards Criteria
Innovation Award
Which company has been the most innovative across the protection and health market over the last year? Which company has shown the greatest desire to move the industry forward through innovation? Please supply details of which innovation(s) you are referring to when entering.
LAST YEAR'S WINNER: Guardian
Underwriting & Claims Award
We have combined underwriting and claims into one category to recognise and reward innovation and improvements in underwriting and claims management. Which provider has the best underwriting process? Which providers are making the best use of technology in a positive way? Which providers are underwriting fairly and paying claims quickly? Which providers make it easier to write new business? Which companies provide quick and easy access to underwriters? Which companies make fair and appropriate underwriting decisions on a consistent basis?
Note: All entries in this category must also include the most recently available claim statistics including paid %s by different product lines (e.g. life, CI, IP) and number and/or value claims paid during that year. Any entries that do not reference claims statistics will be discounted.
LAST YEAR'S WINNER: British Friendly / Holloway Friendly
Protection Intermediary of the Year
This category is for companies, rather than individual people. Which protection intermediary has done the most to drive the industry forward? Which adviser firm is considered to be the best in the market? Which firm would you recommend to friends and family and which one stands out above all others as the protection intermediary of choice?
Note: All entries in this category must also include product splits (e.g. % of business written that is Life only, CI, IP etc) and also the % of business written as indemnity vs non-indemnity.
LAST YEAR'S WINNER: Future Proof
Individual Protection Adviser of the Year
This category is for individual advisers, rather than companies. When voting please think about which individual adviser is not only an excellent protection adviser for their clients but also does more than most to drive the industry forward as well as helping other advisers?
LAST YEAR'S WINNER: Alan Knowles, Cura
Best New Product of the Year
Which new product has made the biggest improvement to the industry over the last year? Which new product has helped customers the most? Which new product is best helping to grow the market? Which new product has helped to raise standards across the industry? We will consider products launched after 1st March 2019 for this award.
LAST YEAR'S WINNER: Guardian
Young Achiever of the Year
This award is open to anyone working in protection or health insurance industry who is under 30 at the time of entry. The person should show an outstanding level of knowledge and commitment in their field, supplemented by any notable achievements over the last year.
LAST YEAR'S WINNER: Charlotte O'Brien, Cignpost
Health Insurance Adviser of the Year
Which company has done the most to drive the health insurance industry forward? Who provides the best advice PMI advice to consumers? Which adviser would you recommend for friends and family for any health insurance related matter?
LAST YEAR'S WINNER: Assured Futures
Doing it Better Award
Our aim is to recognise the company that's getting it right, not only with their products and customer service, but with their commitment to diversity, corporate responsibility, culture, charity, local community and the long term health and well-being of their people. Entries that demonstrate a strong commitment in many or all these areas will stand a good chance of winning.
Unsung Hero Award
We are looking to recognise those people making a real difference to consumers and advisers every day who aren't in senior management, aren't in the media or public eye, and aren't well known in the industry. Entries that demonstrate a truly important role in the customer or adviser journey that is making a really positive difference will stand a good chance of winning.
LAST YEAR'S WINNER: James Dungworth, British Friendly
Best Care and Support Experience Award
This category includes the growing range of added value services that are available to customers through their life and health insurance policies. Everything from GP services and second opinions, through to counselling, rehabilitation and more. Which is the most valuable and why? Which is the most important? Which care and support services benefit do you and your customers value the most?
Note: Where services are outsourced the entry should be from the provider of the service, rather than the insurance company. For example, if ABC Life provides a GP service to its policyholders via XYZ GP services, the entry should come from XYZ GP services.
One entry per company but a written entry can reference services provided to more than one insurer.
The following awards are decided by votes only and do not require a written entry:
Organisation of the Year
Protection Journalist of the Year
Personality of the Year
Lifetime Achievement Award
Voting and entries open – Friday 7th February
Voting closes – Friday 11th September 2020
Deadline for ALL written entries – Friday 11th September 2020
Judging day – To be confirmed
Shortlists announced after judging
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15 Apr 2014
Brooklyn Vegan photo's of Goat at Coachella
Check out some photos of Goat in full swing at last weekends Coachella. The band return there next weekend for the second of their two shows.
See a lll the photos (Taken by Dana Yavin) here:
Brooklyn Vegan
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Llamas are the new lnstagram darlings - especially when draped in exotic pom poms! The latest Tangle Teezer collaboration with accessories brand Skinny Dip sees our Llamas looking cute on a white body with pink teeth. It's a sure-fire lnsta hair winner!
A handbag-friendly design, the Tangle Teezer Compact Styler detangles and delivers the perfect finishing touch. Smooth, shine and define anytime and anywhere thanks to its unique two-tiered system technology – the long teeth detangle and the short teeth smooth the hair cuticle for healthier-looking, glossy hair. Great for back-brushing to add volume and easily brushes out.
Keeping the innovative two-tiered teeth in top condition duo to its protective cover. The Compact Styler gives you perfect hair on the move!
Take a thick strand of your hair and gently brush your hair with this compact styler from tips to inner roots. Repeat this procedure with the rest of your hair and tackle the tangles without dragging towards the tips. Do not rub harshly over the scalp as it can stress your hair follicles and cause breakage.
Tangle Teezer hairbrushes are made from Polypropylene, Dupont Hytrel and ABS. They do not contain latex or dyes. Tangle Teezer hairbrushes can be recycled.


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Guest Post by Colin Shaw, Beyond Philosophy
Loyalty is a popular buzzword in customer experience, and many organizations try to manufacture it with customer loyalty rewards programs. While these programs have their place, they aren't the ultimate key to loyal customers. Instead, loyalty is built through your customers' memories of you. Good memories create loyalty. Bad ones destroy it.
So, to improve customer loyalty, it's important to think about the way memories are created and the types of memories your customers have after interacting with you.
Memories, Loyalty and the Peak-End Rule
Customers form memories about your organization based on their experiences with you. They've been to your store before, and if they have a good memory of it, they may visit you again, ultimately becoming loyal customers.
Daniel Kahneman, a behavioral economist who won the Nobel Prize in Economics in 2002, says that emotional reactions are important to someone's memory of an experience, and there are two that stand out: the peak emotion they felt, and the last emotion they felt. He calls this the "Peak-End Rule." In fact, Kahneman says the end emotion is especially important—more so even than the peak emotion.
The peak emotion during a customer's experience can be positive, like joy or euphoria. Or it can be negative, like frustration, anxiety or anger. And the same is true of emotions at the end of an experience. If the emotions your customers remember are negative ones, they are less likely to want to do business with you again.
One way to understand this is to compare memory formation to a document in Microsoft Word. Each time you open the document and save it, the saved document replaces the old one. And so, each new memory can override old ones. For example, on a customer service call, it's common for the customer to have to explain his or her problem multiple times. Each new recounting reinforces the negative memory, so that the overall impression after the call is even more negative than when it started. On the flip side, a new, positive emotional experience can override previous negative ones.
Applying the Peak-End Rule to Your Organization's Customer Experience
To apply the peak-end rule in your organization, you need to identify the specific emotions your customers are feeling at different points in their interaction with you. There are four steps to this process.
1. In your experience, what is your customers' peak emotion, and when do they feel it?
For example, if you provide telephone customer service for technology products, your customers' peak emotion might be joy at the moment their software problem is solved. This might come toward the end of the customer service call. But peak emotions are not always good. The peak emotion could also be anger, midway through the call, at having been transferred six times.
2. What peak emotion do you want your customers to feel, and when?
Most organizations have never defined the emotions they want to evoke in their customers. Usually, your desired peak emotion should be a strong, positive emotion that can drive value for your organization.
3. What is the end emotion that your customers feel?
Sometimes it can be hard to identify the end emotion, especially in situations where you and your customer have an ongoing relationship. For example, if you are a cell phone provider with subscribers who stay with you for years, it may seem that there is no end emotion. But your subscribers' relationships with you can be broken into several smaller experiences – the end of a customer service call, for example, is when the customer puts down the phone. In a restaurant it may be when they pay their bill or when then walk out the door.
4. What end emotion do you want your customers to feel?
Organizations that don't think about this can finish interactions in a way that leaves customers with a bad taste in their mouth, destroying value.
Once you've answered these questions, you'll see the emotions your organization is creating for customers now, and you'll know where you'd like to be in the future. From there you can begin designing a customer experience geared toward making your customers feel the peak and end emotions you'd like them to have.


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Posts for: April, 2018
Each year, over a million Americans venture abroad for healthcare, with roughly half for dental treatment. Cost is the main reason — "medical tourists" believe they can save substantially on treatment, even with travel.
But before undertaking such a venture for dental work, there are some things you should take into consideration. For one, although quality care exists all over the world, you'll also find different standards of care. In the United States, for example, not only must dental providers graduate from accredited schools, they must also pass state examinations before they can practice (specialists even more). In some parts of the world, educational standards aren't as difficult to attain. You may also find differing standards for infection control, drug applications or appliances: for example, you may find a lower quality in implant or crown materials or craftsmanship than you might expect in the U.S.
Communication can also be an obstacle. Language barriers make it more difficult to understand what to expect before, during and after a procedure, or to have your questions answered. It may also hinder your provider from fully accessing your medical and dental history, which could have an impact on your treatment and outcome. Limited communication also increases misunderstanding about services offered, charges and treatment expectations.
Finally, many dental procedures have multiple phases to them, some of which normally span several months and visits. Many who go abroad for more complex procedures may try to have them performed in a much shorter time frame. Doing so, however, could prove disappointing both in the quality of the final outcome and your own well-being under such an arduous schedule. Even if your dental work is performed in an exotic locale, recovering from extensive procedures where you must rest and refrain from strenuous activity is best performed in the comfort of your own home.
It's important to get the facts before traveling to a foreign country for any medical or dental treatment, especially about a region's accreditation and care standards, as well as what you can expect in terms of amenities and culture during your stay. One good source is the U.S. Center for Disease Control's web page for medical tourism (//goo.gl/75iWBk).
Going abroad for dental care is a big decision — be sure you're prepared.
If you would like more information on dental treatment abroad, please contact us or schedule an appointment for a consultation. You can also learn more about this topic by reading the Dear Doctor magazine article "Dental & Medical Tourism: It's No Vacation."
Lots of people don't know that April is National Stress Awareness Month; don't fret if you're one of them. For many, stress is already a common feature of everyday life. According to the American Psychological Association, 62% of Americans are stressed at their jobs, and stress has been estimated to cause the loss of some 275 million working days every year.
In addition to its other negative physical and mental consequences, stress can also spell trouble for your oral health. It may lead to the problems of teeth clenching and grinding, which dentists call bruxism. A habitual behavior that can occur in the daytime or at night, bruxism is thought to affect perhaps one in ten adults. While the evidence that stress causes bruxism is not conclusive, there's a strong case for the linkage.
Bruxism sometimes causes symptoms like headaches, soreness or pain in the jaw muscles or joints, and problems with fully opening the mouth. It can be detected in the dental office by excessive tooth wear, and/or damage to tooth surfaces or dental work. Grinding or tapping noises heard at night may indicate that someone is grinding their teeth while sleeping. In children, nighttime bruxism is common and not necessarily a reason for concern; in adults, it may be more troubling.
So what can you do if you're experiencing this problem? If you find yourself clenching and grinding during the daytime, simply becoming more aware of the behavior and trying to limit it can help. A bit of clenching during times of stress isn't abnormal, but excessive grinding may be reason for concern. Many of the same techniques used to relieve stress in other situations—such as taking a step back, talking out your issues, and creating a calmer and more soothing environment—may prove helpful here as well.
Occasionally, prescription drugs may cause bruxism as an unwanted side effect; in this case, a medical professional may recommend changing your medication. The use of stimulants like coffee and mood altering substances like alcohol and illicit drugs have also been associated with teeth grinding—so if you're having this issue, consider foregoing these substances and making healthier lifestyle choices.
There are also a number of dental treatments that can help protect your teeth from excessive grinding. The most common is an occlusal guard or "night guard." This is a custom-fabricated appliance made of plastic that fits comfortably over your teeth. Usually worn at night, it keeps your teeth from actually coming into contact with each other and being damaged. Occasionally, additional treatments such as bite adjustment or orthodontics may be recommended to help solve the problem.
If you would like more information about teeth clenching and grinding, please call our office to schedule a consultation. You can learn more in the Dear Doctor magazine articles "Teeth Grinding" and "When Children Grind Their Teeth."


text: FEATURESMeditation as an Intervention for Chronic Pain: An Integrative ReviewTeixeira, M. Elizabeth MS, APRN, BC, CDEAuthor Information Hightstown Medical Associates, East Windsor, New Jersey. Corresponding Author: M. Elizabeth Teixeira, MS, APRN, BC, CDE, Hightstown Medical Associates, 59 One Mile Road Extension, East Windsor, NJ 08520 (email@example.com). Holistic Nursing Practice: July-August 2008 - Volume 22 - Issue 4 - p 225-234 doi: 10.1097/01.HNP.0000326006.65310.a7 Buy Metrics Abstract Chronic pain is a complex phenomenon that causes a significant disruption in the lives of those affected. Chronic pain is difficult to treat and challenges healthcare professionals' abilities to implement effective treatments. Therefore, chronic pain sufferers often seek complementary alternative medicine therapies such as meditation. Literature reviews have examined studies using mindfulness-based stress reduction program as an intervention for a variety of health problems. However, no reviews exist looking at a specific patient population's utilization of meditation-based programs. Therefore, the purpose of this integrative review is to examine studies that have investigated meditation as an intervention for chronic pain, identify gaps in the literature, and make recommendations for further research. © 2008 Lippincott Williams & Wilkins, Inc.


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Whirlpool AMW834IXL Fusion Built-In Microwave in Stainless Steel
The Whirlpool AMW 834/IXL Fusion Built-In Microwave in Stainless Steel has 900w power and 40L capacity. With 7 different power levels to offer you precision control to achieve perfect results every time. The microwave also comes with an iXelium coating that maintains the original shine for longer making it highly resistant to scratches and much easier to clean.
Our unique patented 3D wave system combines dual heat emission with the reflection of microwaves creating a tridimensional distribution throughout the cavity. As a result food is heated quickly and evenly offering better results over a standard microwave. 6th sense technology detects the level of humidity in your food adapting the power and cooking time. The humidity sensor feeds information to the microprocessor which continuously readjusts the power and time to achieve the best results.
The crisp function is the combination of 3 components: a special Crisp plate made with ferrite bottom, the 3D microwave distribution system and the grill. The Crisp plate is heated up extremely quickly by microwaves coming from the lower part of the cavity. The grill heats up the upper part of the dish, while microwaves from the top of the cavity speed up the cooking process. As the crisp plate does not heat up above 210°C, food is prevented from being overcooked offering crunchy delicious food, thanks to the unique crisp plate accessory.
Jet Defrost is an exclusive defrosting system which guarantees perfect and even defrosting in a very quick time (2 minutes for 500gr of meat vs 14 minutes in a standard microwave oven) while preserving food quality.
The Whirlpool AMW 834 IXL Absolute Built-In Microwave boasts looks and practicality in one appliance to complete any kitchen.
Unbeatable crispness. This Whirlpool Microwave's Crisp function and dedicated pan ensures you can cook the crispiest pizza, pie or quiche, anytime.
Healthy, steamed meals, anytime. Steam technology provides the healthiest, tastiest recipes, at the touch of a button.
Fast grilling, faster cleaning. Your Microwave's powerful grilling function provides the same delicious results as a traditional oven. The tilting motion of the grill also ensures easier cleaning.
Fast defrosting. Use the unique JetDefrost 3D system to defrost food effectively and with ease in your microwave oven.
Faster reheating. Enjoy your reheated meals in minutes, with the reheat function.
|Width (mm)
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|Weight (KG)
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|Turntable Diameter (mm)
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Finance Calculation for your - order
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The figures shown are an illustration based on the cost of goods. Final details including shipping and discounts where applicable will be displayed on the checkout page.
Credit subject to status and affordability. Terms & Conditions Apply. Crampton And Moore (Television) Limited trading as Crampton And Moore (Television) Limited is a credit broker and is Authorised and Regulated by the Financial Conduct Authority.
Credit is provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC, authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. The register can be accessed through http://www.fca.org.uk
IMPORTANT: Hitachi Personal Finance rounds down the monthly payments, which may result in your total amount payable being less than the total cash price.


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714-375-2661 For unsurpassed Ford repairs and top tear customer service in the Garden Grove CA area, call Francisco's Auto Repair. We're the leading experts in the area and have been for over three decades. It's not that we're trying to be boastful but when you're in need of auto repair, you want a repair facility you can trust. To demonstrate how much faith we have in the quality of work we provide, we offer a 3-Year/36,000 Mile Warranty on most repairs. As an AAA approved repair facility our reputation is of highest integrity and quality. For more information on our warranty or any other questions, call us today at 714-375-2661.
We strive daily to ensure that our customers receive the best possible workmanship and service. For instance, if you can't get in to see us, we'll gladly make a local pickup of your vehicle and return it to you freshly washed at the end of the day. Definitely see us for Ford repairs but check us out for Dodge repairs too as we are the domestic car experts. If you live or work in the Garden Grove 92840, 92841, 92842, 92843, 92844, 92845, or 92846 areas, call today at 714-375-2661 for your next repair.
714-375-2661 For the best Ford maintenance on your F-150 in the Garden Grove CA area, come to Francisco's Auto Repair. We have a host of packages available to keep your truck humming like the day it left the assembly line. Our knowledgeable and friendly service writers will gladly assist you with whatever you need including brakes or a tune-up. Check our website often we're always running specials and there's even a first-time customer discount. Call us today at 714-375-2661 to schedule an appointment.
We're available to handle any of your maintenance needs six days a week, Monday through Saturday. There's complementary shuttle service and early morning and after hours drop-off awaiting you. Conveniently located to serve the Garden Grove 92840, 92841, 92842, 92843, 92844, 92845, or 92846 areas. In addition we specialize in Volvo repairs and Land Rover Repairs. Call Francisco's Auto Repair at 714-375-2661 to get started or stop in to see us as walk-ins are always welcome.
ASE Master Certified. FREE 3 Year 36,000 Mile Warranty. We top off all fluids except Gas for FREE! Free Car Wash. Free rides to and from your location. Loaner Cars available. Francisco's Automotive Repair Mechanic Shop in Huntington Beach offers maintenance and repairs for the following vehicles: Chevy, GMC, Olds, Pontiac, Cadillac, Saturn, GM, Hummer-H2, Ford, Lincoln, Mercury, Chrysler, Dodge, Jeep, Toyota, Lexus, Nissan, Infiniti, Audi, Acura, Mitsubishi, Scion, Subaru, Volvo, Volkswagen, Honda or others, we are here to serve you and your vehicle needs. If you have an automobile extended warranty, come see us for a full and detailed check out.
Francisco's Automotive Repair services and fixes Foreign and Domestic vehicles for the cities of Huntington Beach, Newport Beach, Seal Beach, Balboa Island, Lido Island, Irvine, Westminster, Garden Grove, Santa Ana, Fountain Valley, Anaheim, Orange, Cypress and all surrounding areas including Los Angeles, Riverside, San Diego, and all Orange County Cities.


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Flato said he was gambling at the Seminole Hard Rock Hotel & Casino near Fort Lauderdale when he told his companion Marina Medvedeva Navarro to push the button for him. After she did and he won the $100,000 jackpot, an ecstatic Jan was shocked when he tried to collect his money and the clerks told him the jackpot was rightfully Navarro's.
Flato said:
'Upstairs, the eye in the sky says she technically touched the button, so we have to pay her,' Flato told the Miami Herald of the January 31st incident.
A spokesperson for the casino confirmed that after surveillance footage showed Navarro, 35, pressing the button to launch the reels, she became the rightful owner of the jackpot. 'The person who pushes a slot machine button or pulls the arm is the person who wins the jackpot,' said Seminole spokesman Gary Bitner.
Flato, however, says he paid the $50-a-spin on the Double Top Dollar machine, and used his gambling card to do so. He said after Marina collected the money, she got up and walked out of the Casino. He said:
'I said, "Marina, what are you doing?" and she gets up and walks out'.Meanwhile, Navarro later disputed the claim, saying that she was the one who put her money into the fated spin.
She continued:
'Jan, all of the sudden, went ballistic. He started screaming in front of everybody'.She claims he also sent her a number of aggressive text messages, one of which read: 'Having me as an enemy... Not good.'
She responded to him several weeks later, asking if he still hated her. Flato reportedly texted her back asking, 'How could you do that to me?'Navarro insists that her former friend is now trying to ruin her reputation, but Flato says he simply wants to raise awareness for the seemingly unfair gambling rule.
'I'm a hard-working professional and Flato is playing with my honor,' she said.Her personal Facebook page has been flooded with hateful comments from users who have read the story.
Flato, who added he first met Navarro at the high-roller room at Gulfstream Park in 2015, said he is only raising awareness because he wants 'everybody to know what happened so it won't happen to them.' Adding:
'I've played slots all over the country and never had a problem like that. Even the people handing out the money said: 'This isn't right.'Watch the interview of the two former friends below:


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Delivery to any destination in Hungary before 17.00 the next working day.
With this service, the regular delivery time of 24 hours within Hungary is not only standard, but guaranteed.
A money-back guarantee – refund of the service charge – means security for the sender.
- Guaranteed delivery before 17.00 the next working day
- Delivery throughout the whole of Hungary
- Money-back guarantee
- Express-quality at an attractive price


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In honor of:
We would like notify the person above, letting them know you have made a gift in memory of their loved one (gift amount will NOT be included).
If you would like us to notify anyone outside of the United States about your gift, please provide their email address.
What type of notification would you like us to send about your gift?
If you have any questions, please email us at [email protected].
L&S Data Studies Program Fund
Support Data Studies
Diane R. Walters
Director of Development, Social Sciences
[email protected]
(530) 754-2223 (Phone)
Department Support
UC Davis
One Shields Avenue
Davis, CA 95616-5270
Phone: (530) 754-4438
Fax: (530) 754-2294


text:
Contact person
ACL GmbH
Exhibitor profile
One step further with intelligent technology from ACL-GmbHACL GmbH has put it at the top of its agenda to develop and produce enhanced IT hardware solutions for medical needs. It is our passion to come up with new ideas for intelligent solutions that set the trends and keep us one step ahead of the competition.
If you use ACL's products in the medical arena, you have a right to expect maximum reliability in regular operation. It is the mission of all of ACL's employees to build perfect products. This is why ACL's products will make a believer out of you with their outstanding quality, tough design and ergonometric engineering. A comprehensive portfolio of accessories and peripheral products puts the finishing touches on our range while our extensive services and consultation make us one of the leading suppliers of IT equipment for operating theaters and the intensive care station.
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Trimits 45mm rotary cutter is used with the safety ruler and a cutting mat to accurately cut through multiple layers of fabric.
There is a spare blade in the handle and a safety cover for when it is not in use.
Rotary cutter
- Brand: CSD
- Product Code: with 45mm diameter blades
- Availability: In Stock


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Reference is made to
notification made by Glitnir banki hf., dated 5 February 2007 and 16 March 2007, concerning Glitnir banki hf. purchasing
68.1% of issued shares in FIM Group
Oy in Finland in accordance with previously notified terms.
A lock-up arrangement
applies to 60% of the Glitnir banki hf. shares in
FIM Group Oy that 10 of the 11 of the largest shareholder,
receive as payment for their shareholding in FIM Group Oy. These 10 shareholders hold a total of 36.54% of the
total shares in FIM Group Oy. The lock-up will
be released as follows: 5/60th of the shares under
the lock-up arrangement shall be released from
the lock-up arrangement on each of 31 March, 30 June, 30 September and 31 December
until all the shares have been
released. The first release to take place on
30 June 2007 and the last one on 31 march
A separate lock-up
arrangement applies to 1 of the 11 of the largest shareholders. This shareholder held 31,57% of the total
shares in FIM Group Oy. This shareholders lock-up applies to all of the Glitnir banki hf. shares this shareholder
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Red Dirt Rising Teaser Trailer (2010)
The teaser trailer for Red Dirt Rising.
Based on a true story, the film shares with us a decade in the lives of Jimmie Lewallen and his wife Carrie as they experience the joys of love and marriage along side the tragedies of war and poverty (1939 - 1949).
Jimmie and his friends, Bill Blair and Fred Harb, find escape from life's challenges in racing - born out of hauling moonshine on warm North Carolina evenings - and inadvertently become racing's earliest heroes. Ultimately their antics laid the ground work for what has become one of the most lucrative sports in the world. A number of racing firsts occurred during the The Fightin' Forties, making this film a sensational history lesson as well as an exciting journey of romance, friendship and action.
1 min 18 sec
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October 31, 2010
Kathleen 'Bo' Bobak
J. Amanda Davidson
Brad Yoder
Burgess Jenkins
R. Keith Harris
Ashlee Payne
Quentin Kerr
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Quick Tip: Choose "Regular" health class on the quoter on the side of this page and view rates on the next screen. If you're a well-controlled Type 2 diabetic diagnosed over age 50, you can qualify for the rates displayed. Otherwise, you can still get coverage (with no medical exam even), but it will be a little more expensive.
Securing life insurance as a diabetic can be very affordable, depending on the life insurance company you use and how well your diabetes is controlled.
This article will give you the info you need to get a no exam plan as an applicant with diabetes. Consider it the definitive guide.
Here's what we'll cover:
- 5 Things to Know About Life Insurance for People with Diabetes
- How Much Will Life Insurance Cost with Diabetes?
- Life Insurance with Type 1 vs Type 2 Diabetes
- Life Insurance with No Medical Exam for Diabetics | Best Companies
- Burial Insurance for Diabetics | Best Companies
- How To Apply for Life Insurance for People with Diabetes
We know the journey of securing cheap life insurance for diabetics can be frustrating.
Diabetics are declined for coverage all the time, and it's usually because they used the wrong company.
Many diabetics are paying too much in premiums for life insurance coverage.
There's an increasing amount of life insurance companies looking more favorably at diabetes, including many carriers who sell no medical exam life insurance policies.
In this article, we'll show type 1 and type 2 diabetics how to secure the best life insurance rates, including top companies.
5 Things to Know About Life Insurance for People with Diabetes
Before purchasing life insurance, know these general facts about securing life insurance with diabetes.
- If your diabetes is under control, you'll have no problems securing coverage. It's a huge misconception that you can't qualify for affordable life insurance coverage.
- The most important part of this process is actually securing coverage. We find that many diabetics think the traditional process is too long and give up midway through the process. We recommend securing coverage without an exam first (if you qualify) and getting coverage in force NOW, then apply with a medical exam. Cancel whichever one is most expensive.
- If your diabetes isn't under control or you have other health complications, you can still find an affordable life insurance policy.
- A life insurance agent will need to know your current a1c levels and how they've been for the last year, your current medications, your build, when you were diagnosed, and of course if you have type 1 or type 2 diabetes.
- Every life insurance company will look at your diabetes differently. It's up to you or your insurance agent to find the company with the lowest rates. In other words, there isn't a specific company that will be best for every diabetic.
How Much Will Life Insurance Cost with Diabetes?
This depends on the health classification a life insurance company will assign your risk.
Every company has different standards for applicants with diabetes. The best life insurance rates will be given to those with well-controlled diabetes who were diagnosed later in life.
If your diagnosis was recent, the life insurance underwriting process will typically require 2 or 3 follow up visits to demonstrate control.
The more expensive life insurance rates will be given to uncontrolled diabetics. Also to those who don't take their treatment seriously, like smokers and overweight people who don't try to control with diet and exercise.
Life Insurance Health Classes for Diabetics
Here's a brief summary of the different health classes and how they relate to people with diabetes.
Preferred Plus: This is the best class you can qualify for. This is reserved for those without any health issues. Diabetics cannot qualify for preferred plus rates.
Preferred: This health class is typically given to those with very minor health issues – something like controlled cholesterol or high blood pressure. You must have been diagnosed over age 60 and have your diabetes under control. This is the best you'll get as a person with diabetes.
Standard Plus: This health class is given to those with above-average health. For diabetics, if you're diagnosed over age 50 and have everything under control, you could potentially get this health classification as long as there are no other health or lifestyle issues.
Standard: Consider this an average health class – what most of the country qualifies for. If you were diagnosed with diabetes after age 50, you could qualify for this health classification.
SubStandard (Table Rating): This group of health classifications ranges from Table 1 (+25% of standard rates) to Table 8 (+200% of standard rates). It's reserved for those with health complications. Most diabetics fall within Table 1 – Table 8 health class.
Now that you have all of this information, you have to understand, every company and situation is different. These are standard guidelines, but you may not have a standard application.
At Rootfin, we've seen the following trends.
- Preferred rates for controlled type 2 diabetics onset over age 60 and controlled with diet and exercise. We currently know of only one company doing this.
- Standard rates for controlled diabetics onset after age 50. If this is you, run an instant quote on our website at Standard rates.
- A substandard rating will be given to people whose diabetes onset under age 50 or those that aren't under control.
- As a general rule of thumb, type 1 diabetics will start at a "table 4" substandard rating.
The best advice we can give you is to contact us and let us provide you with the information you need to make an informed decision.
What Affects Your Life Insurance Health Class?
In general, it depends on 3 factors:
- Your A1C levels – current and over the last year. Basically, underwriters want to know how well controlled your diabetes is.
- Your current age and when you were diagnosed. If you're diagnosed over age 60, you can still qualify for preferred rates. For people diagnosed over age 50 and you can qualify for standard rates. For over age 40 you'll qualify for Table 2 rates most likely (some exceptions).
- What type of diabetes do you have? Type 1 or 2?
There's a lot more information we need to accurately assess your diabetes, but knowing these 3 pieces of information, we can determine your health classification.
How Diabetics Can Find Affordable Life Insurance Policies
The best way to receive lower rates for life insurance, especially for type 2 diabetics is to take the following steps.
- Effectively manage your diabetes through a healthy diet and exercise
- Control your diabetes
- Lower your A1C
- Reach a healthy body weight
- Take less medication
If you don't know what a "healthy body weight" is, look at a body mass index chart. These charts have underweight, healthy, and obese, weights for your height. Inside of the healthy range should be your goal for getting better life insurance rates. If you are overweight, you can still get life insurance for overweight people.
Aside from lowering your blood sugar levels, a healthy diet, and regular exercise will improve your overall health and reduce your risk of other health complications like heart attacks, kidney problems, strokes, and much more. Just like with non-diabetics, having a having lower cholesterol, and lower blood pressure will mean lower rates.
Your life insurance rate will also factor in other risk factors. A family medical history of cancer or heart disease (something you have no control over) can impact your rates. If you skydive, scuba dive or do any other hazardous activities, your rates will be impacted. The same goes for any DUIs, reckless driving tickets or an excessive amount of speeding tickets.
As you can see, it's not just your diabetes you have to be mindful of, when searching for affordable life insurance rates.
Life Insurance with Type 1 vs. Type 2 Diabetes
Does it matter to life insurance companies which type of diabetes you have?
Yes, it typically does matter. In most cases, type 1 diabetics will have a more difficult time finding life insurance, especially with no medical exam. However, it's not impossible.
Life Insurance for Type 1 Diabetics
The truth is, a lot of life insurance companies won't write life insurance for type 1 diabetics and most of the companies that do, will give you very expensive rates.
There are a few companies really leading the pack in more favorable type 1 diabetes life insurance underwriting. Here's what you'll want to consider narrowing down the companies that will work with type 1 diabetics best:
- A1C levels (current and past)
- Age diagnosed
- Insulin type: Novolog, Lantus, Humulin, Humalog, Apidra?
- How many units per day?
- Any other medications?
- Any diabetic complications?
- Height/weight?
- Any other health issues?
Every carrier views Type 1 diabetes differently, so it's important to pinpoint the company that will view your situation most favorably.
For those who have their type 1 diabetes under control, affordable rates are available under these conditions:
- Compliance with medications and testing. Underwriters want to see documented results and know you're serious about controlling your diabetes. The best offers are given to those with consistent follow up on their diabetes with proof in their medical records.
- No diabetes-related complications. If you have any eyes, foot or skin complications, you'll have a hard time finding affordable rates. Depending on the severity, it may still be possible to get your insured, but you may have to settle for a graded death benefit policy.
- For juvenile type 1 diabetes, you must be over age 30 and have consistent a1c levels below 7.
- For adult-onset type 1 diabetes, it must be at least 1 year since your diagnosis, and you must have a1c levels below 7.
The biggest mistake type 1 diabetics make when searching for the best diabetic life insurance rates is contacting their bank, State Farm, Farmers or Allstate agent, or even a life insurance call center.
These agencies are great at their core business but aren't specialists in your risk. Most of the declines we see are from banks, local insurance agents, and call centers.
Life Insurance for Type 2 Diabetics
If you have type 2 diabetes, you will have an easier time obtaining life insurance. However, you should still compare companies to find the best rates. Choosing the first company you see could cost $1000's more over the lifetime of the policy.
Still, with type 2 diabetes, you'll get better rates if you have your diabetes and other health issues under control.
What About Gestational Diabetes?
When you are pregnant, the body naturally becomes more resistant to insulin than before so that there is enough glucose available to nourish the baby. With gestational diabetes, the pancreas isn't keeping up with the demand for the insulin, which causes blood sugar levels to get too high because the body isn't adequately using the glucose.
When it comes to gestational diabetes and life insurance, many life insurance carriers don't put much weight on it because it is usually only a temporary condition and most of the time goes away when the baby is born.
However, there may be a concern if the diabetes continues after the pregnancy and turns into Type 2 diabetes. If you did not show any signs of diabetes before you became pregnant, you should still be able to find affordable life insurance rates despite gestational diabetes.
Life Insurance with No Medical Exam for Diabetics
Despite what many TV commercials and life insurance companies say, diabetics can qualify for life insurance with no medical exam.
There are a couple of carriers which offer life insurance for both Type 1 and Type 2 diabetics with no exam required in term or whole life policies.
5 Best No Medical Exam Life Insurance Companies for Diabetics
Here are the top 5 life insurance companies who don't require a medical exam for diabetics:
If you're a Type 2 diabetic and have your diabetes under control without any other major health complications, Foresters may approve you within 1 week and sometimes within 24 hours. Up to $400,000 of coverage. Factor in the living benefits and member benefits, and we highly recommend this product if you can qualify.
Nassau RE
For their "Express" product (48-hour approval), Type 1 and Type 2 diabetics can secure up to $400,000 of coverage if under control and over age 30.
Their "Safe Harbor" product will be less expensive and go up to $500,000, but Nassau RE (formerly Phoenix) will pull your medical records and make a decision based on those (4+ weeks for approval). Phoenix will also pay up to 95% of the death benefit for any heart attack, cancer diagnosis, stroke, or renal failure. A big benefit for diabetics.
For well-controlled Type 2 diabetics, you can get coverage approved within 24 hours for a Sagicor life insurance policy.
You must be diagnosed over age 40, taking oral medications or controlling with diet and exercise. You can get up to $500,000 of coverage. You must be in excellent health, only taking one other minor medication. If you can qualify for this product, you'll get some of the best non-med rates available.
Mutual of Omaha Term Life Express
Mutual of Omaha's simplified issue product is a bit more expensive than the other 3 carriers mentioned, but they come into play for diabetics in 2 instances:
- If you're over age 50 and can't qualify due to your height and weight with the other 3 carriers
- If you haven't seen a doctor in 3 years
Mutual of Omaha doesn't have a build chart over age 50 and doesn't have the question if you've seen your physician in the last 3 years.
Mutual of Omaha offers coverage up to $300,000 from age 18-50, and $250,000 for age 51-65. There are also living benefits included with the policy, which means you can access the death benefit while living if you have a covered chronic or critical illness.
United Home Life
United Home Life has a 20-year term product that takes Type 1 and Type 2 diabetics. It's the best priced "no exam" term life insurance policy for Type 1 diabetics. It only goes up to $50,000 of coverage. Even if you don't have full control over your diabetes, you may still qualify for this policy.
January 2018 Update: We removed American National (ANICO) because they recently started requiring an exam for diabetics. We removed Americo in favor of Foresters.
September 2019 Update: We removed 5 Star life insurance company and added Mutual of Omaha.
Securing life insurance with no exam as a diabetic is not hard if you know where to look. We always recommend going the no exam route (if you can qualify), just to get coverage in force. You can always cancel your policy if you find a better rate with a medical exam.
Burial Insurance for Diabetics
Burial life insurance is simply a small whole life policy to cover final expenses. There are no medical exams, and it's an easy policy to get. You can actually have coverage in force within the next 30 minutes, depending on the company.
Burial insurance is usually $5,000 to $50,000 of coverage guaranteed level coverage.
These burial insurance policies, also known as "final expense" policies are the easiest way to secure coverage as a diabetic and a very popular one for the over age 50 crowds with some other health issues beyond their diabetes.
Most diabetics can get $10,000 of coverage for around $40-$60 per month in their 50's, and around $60-$90 per month in their 60's. These are ballpark numbers just so you know what to expect.
When looking into burial insurance that is affordable, many insurance companies will ask you a series of questions relating to your diabetes. For example, they will ask if you were diagnosed before you turned 50, what medications you are taking, if there have been any health complications as the result of your diabetes, how many units of insulin you are taking per day, and more.
For burial insurance, however, they will not typically inquire about your A1C levels, how many years you have been diabetic, and they never really ask about your family medical history.
Make Sure You Get 1st Day Coverage
The number one thing to know about burial insurance for diabetics is to always make sure you're getting "first-day coverage." This means there's no waiting period until you receive coverage.
There are many burial insurance companies that advertise on TV, radio and online that have a 2 year waiting period (known as the "Graded Death Benefit") and they advertise as if this is normal.
Well, it's not normal, and it's very expensive. Your coverage should start as soon as you make your first premium payment. You'll have the coverage for as long as you pay the monthly premiums on the plan.
Best Burial Insurance Companies for Diabetics
With all that said, here are the best burial insurance companies specifically for diabetics that you can purchase over the phone. All underwriting notes are what it takes to get "first-day coverage" described above.
Type 1 and Type 2 diabetics taken. Great member benefits beyond the life insurance coverage.
Royal Neighbors
Most Type 2 diabetics accepted, even with Neuropathy and Retinopathy. For Type 1, as long as there's been no insulin before age 30.
Liberty Bankers
Most Type 2 diabetics taken. If you've had a diabetic coma over 2 years ago, you can qualify for first-day coverage. Type 1 diabetics taken if you didn't become diabetic before age 9.
Mutual of Omaha
Type 1 and Type 2 diabetics are taken as long as your diabetes is under control. This is the most popular option due to Mutual of Omaha's name recognition and low rates.
AIG Guaranteed Issue
This AIG policy is guaranteed issue coverage with no health questions asked. There is a 2-year waiting period. Only use this burial insurance policy when all other companies won't take you.
If you're over age 50 and have diabetes and are considering burial insurance coverage (also known as final expense), consider those 5 companies above. They're diabetic-friendly and have very competitive rates depending on your unique diabetes risk.
What Life Insurance Underwriters Need to Know
Once you have completed your life insurance application, the underwriting process begins. One part of the underwriting process is an interview in which you will most likely be asked health questions.
They will inquire about the type of diabetes you have, the age when you were first diagnosed, and they will want to know what your most recent labs have said. These labs include A1C, cholesterol, fasting blood glucose, proteins, and creatinine.
Many insurance companies will ask you these health questions, and some will require a medical exam. But in this article, we are focusing on life insurance for diabetics that do not require any kind of medical exam for approval.
Remember, though, all of your risk factors will still be taken into consideration. They will also want to know about any other additional health issues, if you have any pre-existing health conditions, and any complications you may be experiencing due to your diabetes.
Making sure that all of your information is organized can help you more adequately and completely answer these health questions.
The Impact of Not Having a Medical Exam
Many insurance companies ask for a medical exam before offering life insurance to prove that the applicant is in good overall health. However, some insurance companies as you have learned here do not require this and instead only ask that you answer some simple health questions.
So, what is the impact of not having a medical examination?
Life insurance with no medical exam is often costlier than if you did have a medical exam. Most insurance carriers offer rates based on a person's risk.
On the other hand, with a medical examination, you may find that you may have pre-existing health conditions you were not aware of, you can face denial of your application due to a health condition, or the medical examiner may find a more serious health problem that can also affect your rates.
How To Apply for Life Insurance for People with Diabetes
Searching for life insurance is never an easy task, even for someone without diabetes, but for someone with diabetes, it's extra difficult.
Instead of having to call dozens of insurance companies, fill out the quote form on this page and give us a call. We will be able to compare multiple companies and life insurance quotes for you to find the best rates available.
Even if you've ever been denied life insurance coverage because of your diabetes diagnosis or you've been told that you'll have to pay a fortune for life insurance coverage, don't believe it. There are affordable life insurance options for people with type 1 or type 2 diabetes that you can choose from.


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