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When it gets really cold and you need that heater to kick on, you expect it to work. I know I do. But sometimes we have a dead heater sitting in our HVAC cabinet or out in the garage in need of a furnace repair. But the question comes up, what is wrong with my furnace and how do I know exactly what it is that I need to do. First thing is first, you may be working with gas or electricity which has its own independent risks, call a professional if you are unsure about your abilities. If you are a DIYer with a high success rate, then here we go! If you are unfamiliar with heater repair, check out my article on the Anatomy of a Heater. Second, gather your tools. My typical tools are:
- Multimeter https://amzn.to/2BtzLuG
- Non-Contact Voltage Tester (NCVT) https://amzn.to/2Lrah5J
- Some wire for jumpers https://amzn.to/2S7WHXm
- Needle Nose https://amzn.to/2BvnW78
- Impact driver with 3/8 and ¼ nut drivers https://amzn.to/2Lv3BUk (impact driver) https://amzn.to/2S5qxfi (impact nut drivers)
- ¼" nut driver (I use a 6-in-1) https://amzn.to/2Sd5Ca4
- 5/16" nut driver https://amzn.to/2Sd5Ca4
- Insulated Screwdriver https://amzn.to/2V036Wn
- Emery Cloth https://amzn.to/2rLvm1J
The first thing we need to do is verify there is power. Often times, there will be a sight glass that is part of a metal cover, which covers the blower assembly and control board. Look through that sight glass (if you have one) and verify there are LEDs on. Another way to test for power is to take your NCVT (https://amzn.to/2Lrah5J), turn it on, and verify there is power being supplied to the unit. A final way is to test the leads going to the power box for ~110-120 VAC.
Normal Operation Process
Turn the thermostat on so that it calls for heat. If you don't know how to do this, see my All About Thermostats article to get your HVAC knowledge up. Once the thermostat clicks on to call for heat, the inducer motor should turn on and stay running for about a minute or less; this activates the pressure switch. Then, the igniter should begin to glow. When the igniter glows or sparks, the gas valve should open. This is identified by flames burning in the heat exchanger. Then the furnace blower motor kicks on after about a minute of combustion and the unit blows hot air. This is a proper cycle of a forced air heater using propane or natural gas.
Thermostat Problem
If the inducer motor does not turn on when you call for heat, it is time to remove the cover from the furnace blower cabinet and continue from there. When I remove the furnace blower cabinet door, there is a small pressure switch which disables power if the furnace blower cabinet is opened. This is a safety switch and I either disable it by placing a clip on it or by taping it closed. Once that switch is depressed, I take the white and red or R and W wires out of the control wires that come from the thermostat. Then, I take a jumper wire and jump R to W. If the inducer motor kicks on, the problem is most likely either the thermostat or the wire. If you don't have a direct wire that goes to your thermostat, but instead a wireless thermostat, that is okay, you may just have to reset that device. See my All About Thermostats article with instructions on how to reset a transponder.
Transformer Problem
If after jumping R to W the unit is unresponsive, there is a possibility that the transformer has malfunctioned. Take your multimeter (https://amzn.to/2BtzLuG) and test the secondary windings on the transformer. You should get 24 VAC or a slightly higher voltage. If you do not get 24 VAC or get a value lower than that, you may have a transformer issue. If you get 12 VAC or less, replace the transformer. Also be sure to test the primary leads to verify there is between ~110-120 VAC feeding the transformer. If there is no, voltage, ensure that there is power to the control board of the unit. If there is power to the board, disconnect the unit from power and verify that the fuse is good. A good way to properly diagnose a fuse is switch your multimeter (https://amzn.to/2BtzLuG) to Ohms mode and ensure there is continuity on both the leads. DO NOT HANDLE THE CONTROL BOARD LIVE! This is your one and only warning. This includes changing a fuse when live. If there is power to the unit, verify that the control board is receiving primary voltage. If the board is receiving voltage, but is not energizing the transformer, you have a control board issue.
Diagnosing the Pressure Switch and Inducer
The inducer kicks on first when there is a call for heat. If this does not happen, test the leads to ensure it is getting ~110-120 VAC. If it is getting power, you most likely need to replace this motor or entire assembly.
To check the pressure switch, one can take a multimeter (https://amzn.to/2BtzLuG) and set it to Ohms. We are testing for continuity. Jump R to W and the inducer motor should kick on. Touch the multimeter (https://amzn.to/2BtzLuG) to both leads of the pressure switch without the control wires connected. This should show continuity on the multimeter (https://amzn.to/2BtzLuG), my meter makes an audible beeping noise continuously. If continuity breaks even for a moment, the gas valve will NOT open. Your pressure switch is a likely culprit. To double-verify that the pressure switch is faulty, jump R to W, get the inducer running, jump across the pressure switch leads. If the system returns to normal operation and does not cut out the flame, the pressure switch is your problem.
Sometimes the pressure switch can give a false reading. It is possible for the small vacuum hose attached to the pressure switch has a hole or crack. A good way to test this hose is to place a Magnehelic (https://amzn.to/2SgptFz) pressure gauge on the end of the hose closest to the pressure switch. It should give a reading above 2 inches of water. I look for 2-4" H2O. If this is lacking or is erratic, replace the hose. If after replacing the hose the pressure reading is below 2" H2O or erratic, you most likely have a bad inducer and or inducer housing. Replace the inducer unit to rectify. A lot of times the inducer gasket becomes damaged causing the vacuum being created by the inducer motor to be less than required. A new inducer motor is generally a good idea because it comes with a replacement gasket and a fresh motor. This ensures proper operation. Don't be a genius and make a gasket out of gasket material, a cardboard box, insulation, or some other genius McGyver mess. These are high-temperature components that can CATCH ON FIRE if installed with improper materials! Replace the whole thing to save yourself the hassle.
Diagnosing the Igniter
If the inducer motor stays running for several minutes or turns off without producing a flame, you could have a problem with the igniter. This is often identified by not observing a warm glow in the cabinet or not hearing/seeing sparks being created. The igniter can malfunction due to a broken or cracked carbide tip, the leads could be damaged or frayed, or the pressure switch is not open. The best way to diagnose this, is to CAREFULLY remove the igniter using a 1/4" nut driver (https://amzn.to/2Sd5Ca4). Disconnect the leads and remove. The igniter can be extremely brittle and if you tap it on anything, it could shatter! You have been forewarned!!! Visually inspect the igniter if it has even a hairline crack in it, it is no good. You must replace it. If it does not produce spark, test the leads for voltage. Jump R to W and read the voltage coming out of the leads. It should be ~110-120 VAC. Replace the igniter and verify it turns on.
Diagnosing the Flame Sensing Rod
The flame sensing rod is responsible for sending millivolt voltage back to either the board or the gas valve allowing for the gas valve to stay open. If your unit fires up only for a moment, then the flame suddenly cuts out and the furnace blower motor of death kicks on, then you could have a flame sensing rod issue. But fear not! Take the flame sensing rod out using a ¼" nut driver (https://amzn.to/2Sd5Ca4) and visually inspect it. If it has carbon buildup form the sediment in the gas, take a piece of emery cloth (https://amzn.to/2rLvm1J) and scrub it down until it looks new again. Replace it and call for heat (jump R to W). It should stay on, and some boards even have a LED which illuminates when it is sensing flame. Call for heat and see if this light illuminates first if you have one.
Diagnosing the Gas Valve
Ah gas, the feared enemy of the faint of heart. Before you begin, make sure the gas switch on the actual valve is set to the "ON" position. I can't tell you how many customers I have had to charge a service fee to just because this switch was off. When the system checks out (inducer energizes, pressure switch closes, igniter turns on) and the gas valve is supposed to open after that igniter glows, but doesn't is not always a bad sign. First, check to see that the gas is on. I like to visually inspect the gas line to verify the gas shutoff valve is open. I even go a step further and crack open the line to see if I can smell gas then retighten it. If this gas shutoff valve is open, then you have narrowed it down to two components possible; the control board and the gas valve. If the control board is good to go and is sending the gas valve voltage (somewhere around 24 VAC), then your gas valve is the culprit. Pull out your checkbook, because this one might be expensive.
Diagnosing the Control Board (IFC)
This is one of the trickiest components to diagnose, but I do no of some big tips. First, if the board fails to energize any of the components but has power to it, it is faulty. I like to disconnect the unit form power and remove the board screws to pop the board out without disconnecting any of the leads. Look at the back side carefully. A big indicator of a bad IFC is burned board or melted components. If you see burn or melting, it is possible one of the components on the board has failed. DO NOT attempt to solder the board back together!!! Remember, the control board failed for a reason, there are other components on the PCB which could be faulty and soldering the board back together could cause a fire or a dangerous arc. Don't do it!!!
Diagnosing the Furnace Blower Motor
Jump R to G, which enables the furnace blower motor. Verify that there is no air coming out of any register and or you cannot hear the blower motor. If you can hear the blower motor and it is making a loud hum but is not turning, disconnect power immediately. Reach in the blower area and verify that the blower wheel turns freely. If the blower wheel does turn freely, there is one more part to check. Take an insulated screwdriver (https://amzn.to/2V036Wn) and discharge the leads of the capacitor by touching them together with the screwdriver (https://amzn.to/2V036Wn). This discharges a potentially dangerous capacitor. Take your multimeter (https://amzn.to/2BtzLuG) and switch it over to capacitance. Disconnect the leads using some needle nose pliers (https://amzn.to/2BvnW78). Measure between the terminals on the capacitor and it should read about 10 uf (microfarads for you nerds). Verify your reading against what the sticker on the placard says. The tolerances the capacitor gives is what you need to be at. If this is below the tolerances, replace the capacitor and try running the motor again. If it turns and runs, you are set. If it still hums and does not turn, you need to replace the furnace blower motor.
Other Problems
Limit Switches
Limit switches can trip causing the gas valve to close and the unit to stop working. They can also prevent the gas valve from ever opening. Before blaming a limit switch, you need to make sure that:
- It is getting control voltage (~24 VAC)
- The limit switch isn't tripping because of heat buildup (what it is designed to do)
- The limit switch remains closed at low temperatures.
- The limit isn't tripping because of a restriction in the supply
- The blower is energizing after flame has been produced
If these conditions are true but the limit is still opening, then replace the limit switch with the exact replacement. Don't try and google it, they (the manufacturers) purposefully hide their tolerances so that they can control it by part number.
Diagnostic Code Codes
Often times control boards come with an on-board diagnostic function which helps you identify what is wrong. Check out my How to Diagnostic Codes article for more on this.
HVAC units can be tricky to diagnose and this is by no means an exhaustive list. I simply try and do my best to give you the knowledge to be informed. I might get some hatemail for giving away trade secrets blah blah, but really I just want to educate. If you have questions, shoot me a line, otherwise good luck and mahalo.
Also, if you need replacement parts, you can message me on the website messaging board with your model number and serial number. I can ship parts anywhere in the country. I do mark up my parts, but you get a whole better deal with me than with your local HVAC contractor. I also do facetime to help you install the component and return the unit back to working order for a small charge. Message me if you need help, that's what I'm here for.


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The not so magical news about Wrinkle Creams
No matter how much your favourite actress has been recommending a 'magical' wrinkle cream, don't go for it!
A study done by the British consumer group WHICH? To find out if cosmetics really help you to look younger discovered that dry, sore and red skin were among the unnerving side effects reported by 17 of the 48 women using anti-ageing creams.
WHICH? Had asked 96 women to try them out. Says WHICH? "Before you invest anything from 5 pounds to 50 pounds in the tempting pots that promise to bring back youth, consider what these women experienced!
The other side effects the women in the study experienced were mild tingling to 'burning' or itchy skin. Some women reported dry patches and flakes of skin peeled from one woman's nose!
If you are using anti-ageing creams and find that you are having mild tingling, burning or itching, you should stop using them. This is a form of irritation and around your eyes this cream is dangerous. All the women using Synergie Wrinkle Lift and Avon Anew reported some side effects.
In the study twelve anti-ageing creams and 12 ordinary moisturisers were used. The women were not told what they were using! Greasiness was the problem with some of the moisturisers! Eight out of the 48 women had some mild side effects like small pimples or tight skin.
Fine lines and wrinkles: All moisturizers help smooth away fine lines. Most anti-ageing creams claim to also help with wrinkles. But of the 16 women who did report some improvement, nine had been using an ordinary moisturizer and only seven were using anti-ageing cream!
The majority of women didn't notice any difference to the look and feel of their skin when the trial ended! Another ten women using anti-ageing creams said the cream had made the overall look of their skin worse. But only three women using moisturizers reported such a change!

subset: commoncrawl


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Moalem Weitemeyer Bendtsen uses cookies to compile statistics on the activity on the website. You can always remove cookies from mwblaw.dk again.
Pernille Nørkær is head of our Competition and Technology team.
Pernille Nørkær has more than 15 years of experience in advising Danish and multinational companies and she provides advice within all legal aspects of IPR, Technology and Media, including in connection with negotiation and drafting of agreements and dispute resolution. Further, Pernille Nørkær assists clients in connection with transactions, including cross-border transactions.
Pernille has extensive experience within competition law related to M&A. Pernille has assisted Danish as well as foreign clients in a number of prominent competition cases within Denmark and the EU, including in connection with filing of European and multinational mergers.
Further, Pernille has extensive experience in handling antitrust investigations as well as cases on abuse of a dominant position. Pernille is also very experienced within damages actions related to breaches of competition law.
Pernille Nørkær advises clients from various industrial sectors, including media companies, entertainment companies, IT and consulting businesses as well as the retail business.
Further, Pernille Nørkær provides advice within employment law, advertising and marketing law as well as lawsuits and arbitration proceedings in general, and she has significant experience within M&A.
Pernille Nørkær is approved to certify and sign the 1 year report which all licensed providers of gambling in Denmark must submit to the Danish Gambling Authority.
Pernille Nørkær also advises on preparation and completion of merger filings and negotiations with relevant competition authorities in connection thereto, including coordination in cases where the same transaction is to be filed and processed in many different countries.
In addition to the above, Pernille Nørkær provides advice to business owners as well as private persons, in particular on financial circumstances on matters in relation to private law, including family and inheritance, family disputes, invasion of privacy and slander, and reputation management.
Pernille Nørkær's recent key transactions include:
Represented DSV Panalpina in connection with the acquisition of Panalpina Welttransport (listed on SIX Swiss Exchange); in connection with the proposed merger with NASDAQ (New York) listed UTi Worldwide, Inc.; and in connection with the divestment of Panalpina Airflo B.V. (Holland) and Panalpina Airflo Ltd. (Kenya) to Dutch Flower Group B.V.
Represented the shareholders in ProActive in the merger with Fellowmind
Represented FSN Capital V in connection with the acquisition of iMPREG Group
Represented Chr. Augustinus Fabrikker Aktieselskab in connection with the private placement and secondary transactions in relation to Abacus Medicine
Represented Apax owned AEB in connection with the acquisition of Danmil
Represented Centerbridge Partners-owned APCOA Parking in the acquisition of 100% of the shares of Onepark
Represented Waterland Private Equity and its portfolio company Within Reach Holding in connection with the acquisition of ipnordic as well as represented Waterland Private Equity Investments in connection with the acquisition of ICO Concerts, ICO Touring & Management, Blixten & Co, Maloney Concerts, Atomic Soul Booking and Friction
Represented Randers Reb International in connection with the acquisition of Itsaskorda, SL
Represented Erhvervsinvest Management in connection with the acquisition of Arminox, Arminox Middle East and PCH Engineering as well as in the sale of Mejerigaarden Investment to Food Union
Represented Polaris Private Equity in connection with the acquisition of Falck Safety Services Holding and Configit as well as in connection with the public takeover bid for NASDAQ Copenhagen listed Mols-Linien
Represented Adelis Equity Partners Fund II in connection with the acquisition of Caseon.dk
Represented Erhvervsinvest IV in connection with the acquisition of Roblon Engineering and Bogballe as well as represented Erhvervsinvest II in Altor Equity Partners AB's acquisition of Tresu Investments
Represented the owners of Avenida in connection with the sale to Main Capital Partners
Represented INEOS Upstream Limited in the acquisition of DONG E&P
Represented Active Sportswear Int. Holding and its majority shareholder, Greystone Capital, in the sale of all New Balance activities in Active Sportswear Int. Holding and its Scandinavian subsidiaries
Assisted Segulah and its portfolio company Semantix in the acquisition of Textminded
Represented EQT in the acquisition of GlobalConnect
Represented XANO Automation Aktiebolag (Publ.) in the acquisition of Jorgensen Engineering
Represented CNH Industrial in the acquisition of the grass & soil business of Kongskilde from DLG
Represented GN in connection with the sale of GN Otometrics to Natus Medical Inc.
Represented National Silicon Industry Group in connection with the private offer and subsequent public takeover bid for NASDAQ Copenhagen listed Topsil
Represented MUSIC Group Macao Commercial Offshore Limited in connection with the acquisition of 100% of the share capital in The TC Group
Represented 3i Infrastructure and AMP Capital in connection with the acquisition of Esvagt
Represented Agilitas Private Equity in the acquisition of City Container Danmark, City Container, City Container Fyn and Norrecco as well as assisted Agilitas Partners in the acquisition of ISS Damage Control
Represented JAB Forest in the acquisition of Baresso
Represented Vitruvian Partners in the private placement in Trustpilot
Represented FMC Corporation in the acquisition of Cheminova
Represented Cisco Systems in the acquisition of DocumentReady
Represented Autobutler in the private placement by Index Ventures and Verdane Capital
Represented Accellos in the acquisition of HighJump Software Denmark
Assisted FC Nordsjælland in the transfer of Jores Okore to Aston Villa F.C.
Assisted Syniverse Technologies in connection with the purchase of MACH
Represented Cobham Plc in connection with the takeover of NASDAQ OMX listed Thrane & Thrane
Establishing Marc by Marc Jacobs shop, Copenhagen and Marc Jacobs shop, Aarhus
Establishing Christian Louboutin shop, Copenhagen
Ongoing advice to Fitnessdk
Ongoing advice to Lalandia
Assisted FC Nordsjælland in the sale of Nickie Bille Nielsen to Villareal Club De Football S.A.D and in the sale of Andreas Bjelland to FC Twente
Assisted PARKEN Sport & Entertainment in connection with the sale of Brede Hangeland to Fulham Football Club 1987 Ltd. and in connection with stcock exchange issue in 2010
Represented Candy King Holding in connection with the acquisition of Tasty Mix
Pernille Nørkær's LinkedIn Profile
Pernille Nørkær is a member of the Danish Association of Media and Entertainment Law and the Danish Association of Sports Law.
In 2007-2008 Pernille Nørkær was External lecturer of Civil Law at the Police Academy.
Pernille was also co-writer to the educational material to module 1 (Civil Law) of the Danish Football Association's mandatory education for stadium security staff. Pernille lectured on the same module at the Association's mandatory instruction in 2009.
Nørkær, P., & Thomsen, M. (2012), Five months down the line: the new regime in Denmark
Nørkær, P., & Zobel, L. (2010), Handling of employee shares in light of recent pratice, Nordisk Tidsskrift for Selskabsret 3/2010, p. 87-95


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Overcoming analysis paralysis to live an inspired life
Do you live freely, or are you in your mind jail? Whatever your problems or goals are, don't think! Let your own inspiration flow. What happens when we think too much without considering our connection with the cosmic intelligence? What happens when we believe that we will find a better solution on our own? We put many arguments on the table to choose one, but that only brings doubts about which one is better. In the end, this often leads us to not the wisest choice, but whatever the memory dictates, or whichever... Continue Reading →
Ho'oponopono and my experience in a women's prison
During my last visit to Mexico City, I was given the opportunity to present at a women's prison and, of course, I accepted. After I agreed, I was told that I wouldn't be speaking to the most dangerous inmates, and that some of the women coming might even be unfairly imprisoned. But when I arrived, the woman in charge gave us more information, and she told us that some of the women attending were very brutal; some had perpetrated kidnappings, castrations or even killed their own children… That's when I started... Continue Reading →
Ho'oponopono & Zero Frequency® get to our youth.
Every child is unique with natural talents and perfect rhythm. Zero frequency® is about to preserve their innate qualities. With the techniques I have discovered stay tuned with our Zero Frequency® is very easy. The secret open us the door to find out our identity. Discover our true identity is the key. This way we allow our passion and inspiration to be our compass. All the tools I found out help us to be more in the present moment and to be more conscious and awake to be able to ask the right questions to get the... Continue Reading →
Bilingual Tour of Healing, Initiation and Cleaning in Israel. From December 10 to 21, 2013
Ho'oponopono & The four agreements in Los Angeles. February 16, 2013
Aloha my friend, This is exciting, people are coming from Guatemala, Colombia, Ecuador, and from different parts of USA. Are you coming? During my interview with Gabriel Nossovitch about our Renew U event in LA, here is Gabriel's answer to my question: Why is so important to Renew US now? "It is important to constantly be in the process of renewal, at any time in life. Always. But particularly in these initial stages of a new era for humanity, a new paradigm is emerging, and I feel like those who choose to participate... Continue Reading →
Ho'oponopono - behind the scenes
Many of you express your concern regarding the veracity or quality of those who teach Ho'oponopono. Very frequently, you write to me and ask if I gave this or that person permission to teach after he or she took the workshop with me only once, and I make it clear that I have permission to use the registered material, but I do not have permission to grant permission to teach. What's most important, and what my organizers in different parts of the world always ask me to continue clarifying, is that Ho'oponopono... Continue Reading →
Ho'oponopono and Children
Having children in my trainings is the best treat for me. I get so much sincere confirmation from them because, as you know, kids don't lie. Dr. Ihaleakala always said it is easier to teach a chair to do Ho'oponopono than to teach people, because we think (intellect). We are always thinking, comparing, and making stories. We are never present! Well, as it turns out, it is also easier to teach the kids. They don't complicate matters with unnecessary rationalization nor do they feel the need to "understand it" all, like... Continue Reading →
Beyond Jet lag with Ho'oponopono
My teacher Dr. Ihaleakala Hew Len used to tell me that you can even feel jet lag in your own home, when you move from one room to the other. Apparently, we don't need to leave our home to feel it. Jet lag happens when all of our parts (super conscious, conscious and subconscious minds) are not arriving at the same time at the same place. For example, if I go to Europe and forget to tell my inner child (subconscious) that we are going, when I arrive in Europe, my child is watching TV in Los Angeles. Then I get there... Continue Reading →
Ho'oponopono - Letting go of fear
Our reality includes all our programs, memories, beliefs, attachments, emotions, and expectations. These have been gathered through many years. We have been blind and deaf for eons of time. We are completely drugged, looking for love, approval and appreciation in the wrong places and from the wrong people. We search for success, power and material things, thinking that they will "make" us happy. We tend to try to change people because we think if they change, we'll be happy. We constantly give our power away by thinking... Continue Reading →
Book - The Easiest Way Special Edition
The Easiest Way Special Edition Because you asked, it is finally here! What was easy just got easier with the Special Edition of the book that started it all, The Easiest Way, now including this special bonus, The Easiest Way to Understanding HO'OPONOPONO, The Clearest Answers to Your Most Frequently Asked Questions. The Easiest Way to Understanding HO'OPONOPONO, answers the what, where, when and why about cleaning. Cleaning is simply erasing your memories and bringing you back to zero, so that Inspiration (God,... Continue Reading →


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Here's my breast cancer update from December 19, 2009.
Well, here's another breast cancer update – a post chemo #3 update. I'm still not feeling so great. For some reason, this treatment has been harder on me. It has been a longer recovery. The worse day this time, was better than the worse day last time, but I feel like it's more drawn out with chemo 3. I'm still nauseous and very tired. This time I have had an annoying symptom. My hands have been hurting, almost like they are burned. It's mostly the tops of my hands and in between my fingers. The pads of my fingers are sore too. The doctor said it is a reaction to the Taxotere (one of the chemo drugs) and gave me some steroids to take.
Low Platelet Count After Chemo
I had a blood test yesterday. My white blood cell count is good, but I am anemic and have a low platelet count. The doctor said that could definitely be making me tired, although it is expected and nothing to worry about.
Grateful for Family and Support System During Cancer Diagnosis and Treatment
This whole thing has really not been fun. I'm trying to stay optimistic and make the most of all of this. Although no time is a good time for cancer, I'm trying to look at it as a decent time. I was young and healthy and active. My parents are young and healthy and able to help us out. They have been able to make many trips to Austin from Dallas to help with me, the family, and stuff around the house. I have a great support system of friends and family. So many people have helped us out with meals and child care. It's been nice having the help, but I'll be glad when things get back to normal and I can do things on my own and take care of my family. I'm really looking forward to being active again. It's been hard sitting around the house so much. Before all of this, I was walking or running many days during the week and taking the boys out of the house almost every day. Even if it was just to run errands, we were getting out of the house and doing things.
Making Something Good Out of Cancer
I'm not sure how this is going to change things in my life, but I know I want to make something good out of this. I want to be able to use this experience and be able to help others. I'm hoping to be able to do some of that now though my videos on YouTube. I just posted another one here. It's not so cheery and upbeat, but I wanted others to see all sides of this.
Last Chemo December 31, 2009
My next, and final, chemo treatment is December 31. Since my parents will be in Israel at that time Michael and Jen (my brother and his wife) will come in for a few days to help. I'm looking forward to seeing them – the chemo, not so much. Keep your eyes out for the next breast cancer update.Keep reading...
- 10/25/2018 - My Laparoscopic Prophylactic Oophorectomy because of BRCA1
- 9/25/2018 - 9 Years!
- 10/1/2016 - What it's Like to Be a Breast Cancer Survivor in October
- 9/21/16 - Breast Cancer Survivor 7 Year Cancerversary
- 9/14/2016 - Scanxiety: Tips to Deal with Cancer Anxiety
- 9/23/2015 – My Prophylactic Salpingectomy with Delayed Oophorectomy (PSDO) – Fallopian Tube Removal Option for BRCA Women to Decrease Ovarian Cancer Risk (with video)
- 3/25/2015 – BRCA Positive Breast Cancer Survivor Response to Angelina Jolie's New York Times Article
- 10/10/2014 – It feels like the bottoms of my feet have been hit with a hammer
- 9/25/2014 – My 5 Year Cancerversary – 5 Year Breast Cancer Survivor
- 5/23/2013 – Breast Implants after Breast Cancer Mastectomy and Reconstruction, Expanders, See Scars YouTube Video
- 9/30/10 – My Cancerversary (1 Year after diagnosis) Video and Giveaway
- 7/1/10 – Breast Cancer Update – 6 Months Later (pic)
- 4/26/10 – Breast Cancer Reconstruction after Double Mastectomy (video)
- 4/7/10 – Breast Cancer Update April 2010 w/ pics
- 2/26/10 – Light at the End of the Tunnel w/ pics
- 2/15/10 – Breast Cancer Update (video) – Done with Chemo, Now What?
- 1/23/10 – Dallas Doctors
- 1/7/10 – Appointment with the Oncologist
- 12/31/09 Last Chemo and Video
- 12/30/09 – Getting Ready for Chemo #4
- 12/27/09 – Still Recovering from Chemo and Video
- 12/10/09 Chemo #3 and Video
- 12/1/09 – Sleep… Finally and Video
- 11/19/09 – Chemo #2 and Video
- 11/17/09 – Wigs and Makeup
- 11/10/09 – Video Update – My Breast Cancer Story – Diagnosis to Chemo
- 10/30/09 – The Beginning of Chemo
- 10/15/09 – Good News After Surgery
- 10/10/09 – Post Surgery


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Mario Balotelli may yet be the world-class forward many thought he would become.
The maverick Italian is close to sealing a move to Juventus on a free transfer in the summer.
The 27-year-old has enjoyed his time with Nice since joining the Ligue 1 club in 2016, scoring 27 goals in 38 league games.
Free transfer specialists Juventus are looking to repeat their favourite trick by landing Balotelli and Emre Can for the grand total of bugger all.
The Sun are reporting that the Old Lady's relationship with Balotelli's agent Mino Raiola is said to be key to the deal.
A five-year contract has already been drawn up, with a handsome signing-on bonus awaiting the striker.
He has supposedly been promised a key role in the team and will not have to settle for playing back-up to Gonzalo Higuain.
Balotelli would be well received at the club, with Gianluigi Buffon, who could yet extend his playing career beyond the summer, particularly keen on a deal.
The legendary goalkeeper believes a move would also be beneficial to the Italian national side.
The fans may need convincing however.
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WARWICKSHIRE thirds slipped to their first defeat in three matches at the hands of Suffolk's first team at St Augustine's Sports Club, Coventry.
A promising start in the singles saw the county lead 3-1 but the doubles specialists all had an off day as they lost the remaining 11 matches to a much stronger side.
In the singles, Lewis Halsey beat Jonathan Isaacson 21/17, 24/22, Sam Barber beat Alan Jones 21/11, 21/15 and Alice Walters beat Jane Mulvey 21/14, 21/9. Kate Strong lost 21/16 in the fourth game to Alyc Kindred.
The over 40 veterans side visited Cheshire in their opening fixture of the season but they went down 7-5.
The top performances from the losers were Debra Padgington and Linda Callender, who won two games each.
Pagdington won one ladies doubles with Lindsay Dibble and her mixed doubles with David Wilson and Callender won one ladies doubles with Jackie Latham and mixed doubles with Danny Wallace.


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Hand Painted Kitchen Island with Paint Effect – Blog
Hand Painted Kitchen Island with Paint Effect – Blog by Lee Simone Painting this beautiful handmade kitchen island was a real pleasure to do and something very unique. The clients wanted to make it a real feature and create an effect that would compliment an old Chesterfield sofa that sat in the corner of the room. They were in the throws of renovating their old lakeside house and were doing everything as sympathetically as possible, maintaining much of the original features and having...read more


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This event is hosted by Utah's Coronavirus Economic Response Task Force. Participants can also watch or view the recording on the Chamber's Facebook page. If you would like to receive communication on the Utah Economic Task Force, click here.
- April 14, 2020 at 4pm – 5pm
- computer near you


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Kunlun Sect
|Kunlun Sect
|Traditional Chinese
|Simplified Chinese
The Kunlun Sect is a fictional martial arts sect mentioned in several works of wuxia fiction. It is usually featured as a leading orthodox sect in the wulin (martial artists' community). It is named after the place where it is based, the Kunlun Mountains in western China, near modern Qinghai and Xinjiang provinces. Due to its geographical location, it was hardly known to martial artists in the jianghu before its rise to prominence.
The sect's history traces back to the Zhou dynasty during the reign of King Wu. According to legend, its founders were the semi-mythological figures Laozi and Yuanshi Tianzun. The latter had 12 apprentices, who later became the Twelve Elders of Kunlun. Although Kunlun has its roots in Taoism, its members do not strictly follow Taoist customs and practices.
Kunlun's rise to prominence in the wulin (martial artists' community) only came after martial artists such as He Zudao made their names through their prowess in martial arts and by doing deeds of gallantry.[1] He Zudao's successors led the sect towards greater heights and achieving its status in the wulin as one of the leading orthodox sects. The Kunlun Sect has the greatest strength and highest fame of all martial arts sects in the western regions of China.
Kunlun has a strict code of conduct laid down for its members, who are forbidden from associating with people from unorthodox sects or else they will be expelled. Although Kunlun is considered to be a Taoist sect just like Quanzhen and Wudang, it accepts students of both genders, and members are allowed to marry and start families, and are not bound by any regulation to maintain vegetarian diets.
One notable trait of the sect is that it has a strong desire to become one of the superpowers in the wulin, and some members are especially extreme in their plans towards achieving this goal. In Jin Yong's The Heaven Sword and Dragon Saber, He Zudao and He Taichong are depicted as ruthless and ambitious individuals who wish to dominate the wulin.[1] He Taichong, in particular, is depicted as a morally bankrupt villain who resorts to unscrupulous means in his attempt to seize hold of the Dragon Slaying Saber and use it against his rivals.[1]
List of skills and martial arts[edit]
- Note: Although the skills listed here are entirely fictional, some may be based on actual martial arts.


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Ohinemuri Regional History Journal 42, September 1998
NGATEA: In July 1997 Ngatea became the first town in New Zealand to have "speed thresholds" erected on the roads at the entrances to the town. These are structures consisting of large speed limit signs erected on poles and special road markings. Transit New Zealand designed them with the intention that as motorists approach the town at speed, having been travelling on long straight roads, they will slow down.
STREET SIDE PETROL PUMPS: In the early days of motoring petrol was supplied in four gallon tins, then from petrol pumps which were usually on the kerb side. Gradually modern service stations were built and the kerb side pumps disappeared. In Paeroa Flemming & Son Ltd had pumps in Princess Street until 1978 but the last to go were those in Wharf Street at the former premises of McIndoe & Guernier/Tunnicliffe's garage. These were removed in 1998. In Waihi the last kerb side pumps were at Morton's Garage but following a problem of leakage were removed in June 1997. So ended another link with bygone days.
COROMANDEL SCHOOL OF MINES: In July 1997 the centenary of the Coromandel School of Mines was commemorated and a kauri tree planted. The President of the Coromandel School of Mines and Historical Society, David Phillips told members that originally the building contained a lecture room, library, melting room and balance room. The cost of building was met by subscriptions from mining companies and individuals. The school closed in 1926 and later the building became, for a time, a clothing factory. From the mid 1950s the Coromandel Miners' and Prospectors' Association ran it as a museum, but the building deteriorated badly and in the 1980s was extensively repaired. Since the Association's merger with the Coromandel Historical Society, the museum has displayed a comprehensive display of material reflecting the town's history.
COMPILING HISTORY: The secretary of the Coromandel School of Mines and Historical Society, Kevin Hynes, reported that the Society has been compiling records to enable requests for family history to be answered. When the Society learned that the early school rolls were required to be sent away to archives, Mr Hynes photocopied the rolls from eight schools in the area. A grant from the Lions Club helped to cover the cost. With the rolls copied he then set about copying the old School of Mines attendance books, early electoral rolls and burial records.
R.S.A. PAEROA: In April 1997 the Paeroa Returned Services Association was presented with a field gun for their street display. It is a 105mm M101A2 field gun.
MARTIN REUNION: In the spring of 1997 the descendants of Joseph and Mary Martin gathered at the Hikutaia Bowling and Tennis Pavilion for a family reunion.
On 23 October 1892 a son of Peter and Johanna Martin was christened at St. Francis' Church, Melbourne. He was Joseph Garibaldi Martin. Isabella Mary Murton, daughter of John and Isabella Murton was christened at the same church. In August 1897 these two people were married at Mercer, New Zealand. Nearly 60 of their descendants attended the reunion, organised by a grand-daughter, Beverley Woolley of Hamilton. Following a luncheon, Mary and Joseph's daughter-in-law, 91 year old Pat Martin from Auckland, joined with the eldest grandson, Des Martin in cutting the cake. The youngest descendant to attend was 10 year old Sarah J Bax, who is the 30th child of the fifth generation.
Mr and Mrs Martin began their married life in Karangahake were Joseph worked at the Talisman Mine. He later worked for the Ohinemuri Council in Paeroa. After Mary and her brother William Murton secured a Crown lease of 1000 acres at Hikutaia they commenced farming. Their homestead "Rio" was built and the road which is known today as Strange Road was formed with plough and bullocks. The Depression years affected their farm income and they had to relinquish the lease. The homestead was sledged by bullocks to an area near Peel's Creek, Maratoto, to land purchased from a Mr McDonald. This land was later divided into three farms.
Joseph died in 1925 aged 62 and Mary died two years later. They are both buried at Omahu Cemetery.
WHAREPOA C.W.I.: In October 1997 the 60th Anniversary of the Wharepoa C.W.I. was celebrated with a function at the Wharepoa Hall. Mrs Thelma Bax who was the first Treasurer, and still a member, spoke of her early memories of the Institute.
PAEROA WOMEN'S BOWLING CLUB: The Paeroa Women's Bowling Club was formed in 1952 and in 1997 celebrated its 45th Anniversary with a luncheon. The club began as a sub-branch of 'Counties' before the 'Thames Valley' was formed in 1964, which was also the year the club moved from the Paeroa Domain to its present site on Riverbank Road.
WAIHI CATHOLIC WOMEN'S LEAGUE: In August 1997 the Waihi Catholic Women's League celebrated 50 years of faith and service with a lunch at the St. John Ambulance Hall. Around 35 women attended including the league's original president, Doris Mulhern and the original secretary, Eileen Barron. The league raise $400 this year for the Asthma Appeal and also supports Catholic schools and mission work in the Pacific.
EUNICE BROWN: Mrs Brown now a resident at Ohinemuri House celebrated her 100th birthday in August 1997, the first resident to reach this milestone. Mrs Brown was born Eunice Whiting on 14 August 1897 in Christchurch. After becoming a certificated pianist in 1913 she became a music teacher, moving first to Auckland and then to Gisborne where she married Jim Brown in 1922. The couple came to Paeroa in 1940 where Mr Brown had become the local police constable.
Mrs Brown taught people to play the piano through lessons at her home and as a teacher at Paeroa College. She was pianist for the Paeroa Ladies Choir for many years. She was also involved in C.W.I., Paeroa Horticultural Society and Caledonian Society. For many years she was church organist at the Presbyterian Church. In 1990 the couple moved into Ohinemuri House where Mr Brown died in 1993.
MONA TOWNSHEND: Mrs Townshend's service as Treasurer of the Paeroa Historical Society together with her roles in other community organisations was recognised with her nomination for the 'The Paeroa Gazette/Caltex Unsung Heroes Award 1997'. She has been a Paeroa resident since 1943 and is still giving her time and energy to serving the community. She is Patron of the Paeroa Croquet Club and Life Member of the Paeroa Historical Society. In 1998 Mrs Townshend retired as Treasurer of the Paeroa Historical Society after holding this position for 28 years.
CLOSING DOORS: Headlines in local newspapers often announce the closing of various establishments. The Paeroa Gazette on 26 November 1997 announced the intended closure on 16 January 1998 of the Power New Zealand office in Paeroa. The Paeroa branch was opened in 1926. The Waihi Gazette of the following day reported the closure of the ANZ/Postbank branch in Waihi on 20 November 1997.
BRUCE & FLO ROBERTS: Mr & Mrs Roberts, both members of the Paeroa Historical Society, celebrated their Diamond Wedding Anniversary on 28 August 1997. They were married at the St. Andrew's Presbyterian Church, Paeroa, in 1937. Their new home was built by Bruce and his father before their wedding and Mr & Mrs Roberts still live there. During his working life Bruce was a builder until he retired in 1972. Together they have been active members of the Presbyterian Church, croquet, cricket and bowling clubs, the Lodge, Paeroa Municipal Band, Paeroa Historical Society and Paeroa St. John Ambulance.
MOVING HOUSE: History repeated itself for the Anderson family of Waihi when in July 1997 Dr Tuck's Gilmour Street home was moved to their farm in Willows Road. An almost identical scenario to that which took place 37 years ago.
Harold Tuck, a GP, began practising in Waihi shortly after World War II from a surgery attached to his Gilmour Street home. In 1959 he began building a new home on an adjacent piece of land and, in June 1960, sold his old home for removal. It was relocated in Moore Street. The surgery was sold separately and moved to the Willows Road farm now owned by John and Irene Anderson and was it attached to the original homestead. It remained part of the Anderson home until just two weeks ago when it was demolished to make way for the 'Dr Tuck- removal-home version 2'.
John, a builder, had been working on a series of Kenny Street units when he noticed Dr Tuck's home over the fence and decided that the tennis court, which stretched out in front, was an ideal site for additional units. His offer for the section having been accepted, John and Irene moved the old house onto their own land, while the surgery was moved onto a Waihi East section for two of their daughters.
WAIHI SOCIETY: The Waihi Historical Society records with regret the death of their members; Tom Berryman, Joan Sutton, Maisey Pennell, Delia O'Neill and George Thomson.
HIKUAI SCHOOL: In November 1997 Hikuai School celebrated its centenary. On 25 May 1897, Messrs Wadsworth & Whittaker of Auckland submitted to the Auckland Education Board a tender of £130 for the erection of a school building at Tairua Block, and on the following day their tender was accepted. The architects for the new school were Mitchell & Watt of Auckland, and the contract stipulated that the work be completed within two calendar months from the date of acceptance of tender. The specification was for a single classroom, 25ft by 14ft, with a small entrance porch fitted with a hand basin. A 400-gallon tank was to be erected outside the porch to provide water for the basin. In addition, the contract called for the erection of freestanding toilet buildings for boys and girls, each to be provided with a soil barrow. The school was duly built and opened on 23 August 1897 with a roll of 16 pupils from four families. The first teacher was Francis J Mullins.
The school was originally known as the Tairua Block School because it was the only school in the original Tairua survey block of 36,000 acres. The school at Tairua village was located on the Matapaia Block and had been known as "Tairua School" for 20 years before the Hikuai School was opened. The name of the Tairua Block School was changed to Hikuai School in May 1915.
The Hikuai School now has five classrooms and a roll of 120.
JIMMY MEASURES: Mr Measures, a well known and respected member of the Waihi community, died suddenly on 19 May 1998. He was a member of the Waihi Volunteer Fire Brigade. Born and raised in Waihi Mr Measures was a fire service "messenger boy" at 14 and a qualified firefighter at 18. He became fire chief in 1991 with 19 staff and held the Gold Star for 25 years service. At the time he died he was on his way to an emergency call out to a road accident.
BRUCE & OTTO BUCHANAN: The Paeroa Historical Society congratulates members, Bruce and Otto Buchanan on the occasion of their 60th wedding anniversary. Bruce (88) and Otto (84) first met in 1934 and married in 1938 in Dunedin. The couple settled on the farm in Awaiti Road where they still live.
FOREST & BIRD PROTECTION SOCIETY: The Royal Forest& Bird protection Society was established in 1923, and various local branches throughout New Zealand marked the 75th anniversary in various ways. The Waihi section of the Tauranga branch marked the occasion by joining in with the Waikato Branch, with an open day at the Morgan Reserve, Waitekauri. Guided tours, tree planting, clearing weeds and a sausage sizzle were features of the day together with the cutting of a 75th Birthday cake by Mr Jack Morgan, who had given the reserve, and Mrs Lillian Valder, Patron on the Waikato Branch.
WAIHI MINE: On 15 May 1998 the Waihi Gold Mining Company reached the 10th anniversary of the first gold pour. During the ten years the company has extracted 750,000 troy ounces of gold and 5.5 million troy ounces of silver.
COROMANDEL SCHOOLS: Over the weekend of 3-5 April 1998 Coromandel celebrated 125 years of schooling in the area. More than 400 former pupils, family members and school staff attended. The ringing of the old Coromandel School bell on the Friday signalled the start of activities which ended on Sunday with a church service, dedication of a commemorative plaque and a tree planting at the area school. Saturday's formalities began with a powhiri, a blessing and the official opening by Thames - Coromandel District Mayor Alasdair Thompson. Displays of memorabilia were of great interest.
In 1873, two public schools were set up in Coromandel township, Kapanga School in a rented room, and Driving Creek in a former private school building. Several private schools already existed, but the passing of the (Auckland) Education Act in 1872 paved the way for new public schools in many areas.
Since that time at least 17 Schools in the northern Coromandel, both public and private, have contributed to the 125 years of Coromandel schooling.
Driving Creek School, at the corner of Kennedy Bay Road and the old Colville Road, closed in 1915. Kapanga School, later renamed Coromandel Public School (in the building now known as Hauraki House) was closed in 1975, when the District High School on Woollams Avenue became Coromandel Area School.
FRED BAKER: With the death of Fred Baker in April 1998, the Paeroa Society lost one of its long standing and hard working members. Fred has done a lot of work for the Society particularly in painting in the Museum. The Society extends sympathy to Fred Baker's family.
COROMANDEL HOSPITAL: On 11 April 1998 Coromandel Hospital marked its centenary. One hundred years ago the Government steamer "Hinemoa" arrived in Coromandel with Government officials who joined with the town's band and its people in procession to lay the stone for the hospital. This was to be the town's third hospital. The first was in a small tin shed in Driving Creek, but the 1869 gold rush meant the town had to look for a larger building and a new hospital was set up in an existing Government building near Lillis Lane. By mid 1887 the hospital board had enough money to build a new hospital and an architect was employed to draw up plans for two wards with 10 beds.
Today the hospital stands as solidly as ever. Although closed in 1994, it recently re-opened as the Coromandel Community Centre.
DOROTHY MAVIS ROBINSON: Dorothy Robinson, born on 27 February 1917, died on 21 February 1998 at her home at Hikutaia. Both Dorothy and husband, Mal, were active and well respected members of the Paeroa Co-operating Church. Writing of her in the Church magazine, the writer, inter alia, said, "We think of her never failing courtesy, her generosity, her gentleness, her willingness to help. Or what of her kindliness and that ready, open smile? Talk about loyalty and fidelity, where could you ever get a better example?"
Dorothy, a member of the Paeroa Historical Society is survived by her husband, two sons and a daughter.
MATTHEW W HANDLEY: The Paeroa Historical Society records with regret the death of one of their members, Matt Handley, who died on the 28 June 1998, at the Booms Lodge, Thames. The Society extends its sympathy to Matt's family.
PAEROA CO-OPERATING PARISH CHURCH: (Contributed by Rev. Stan Stewart) In November 1997, the Paeroa Co-operating Parish, painted their building in Mackay Street, Paeroa, in a most extraordinary way. The entire front of the church was covered with graffiti designs. For the next four months, the building became an attraction for locals and tourists alike. This project was possible because the entire building was to be repainted in 1998. The designs on the church were based on 'street art' from South and North America and Africa. The total design and most of the art was the work of local muralist, Chris Fincham.
The art featured traditional Christmas symbols and the words 'Love' and 'Peace'. Love hearts and a welcoming sun were used to give people the feeling of joy and invitation. "We chose to do this as a way of saying "Welcome" to people who feel excluded or left out of church life. We have used the art popular with homeless and marginalised people as a way of communication that the church is there for them. This worked in an amazing way. People of all ages, who normally would not go near a church came to look and express appreciation."
In May 1998, the church was repainted. Only a small portion of the graffiti was retained.


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CHRIS Gunter insisted his Reading FC teammates are prepared for a testing pre-season after the Royals returned to Hogwood Park today (Monday).
The Welsh international right-back was among several first-team players to report for training this morning after a short break away.
Meanwhile, club captain Paul McShane said Royals are thrilled to welcome their newcomers.
Royals have a full week of training before they face Eastleigh in their first pre-season fixture on Saturday, June 30.
From there, they will face teams including Premier League sides Crystal Palace and Fulham before kicking off the new season against Derby County at Madejski Stadium on August 3.
And Gunter insisted he is relishing the hard work ahead.
"The first couple of days are always busy," he stated.
"Things change slightly in terms of schedules.
"It's always nice to be back. Everyone is laughing and joking on the first day because we haven't seen each other in a long time.
"I'm looking forward to it now. We know it's going to be hard but it has to be hard work to get ready for the season ahead.
Royals will be subjected to a fitness test on their first day back so Clement can assess whether his players kept in shape during their holiday time.
And Gunter continued: "It's important that you keep yourself in good shape.
"As soon as you finish (the season) you're given a (fitness) programme.
"I'm sure in an hour or so we'll be tested from where we were.
"It's important that you keep yourself in good shape because football has changed now and if you don't then you get found out very quickly."
New signing Andy Yiadom, who could provide competition for 28-year-old Gunter, was also pictured at the training ground this morning.
Adrian Popa, who spent the second half of last season on loan at Saudi Arabian side Al-Hilal, has also reported to Hogwood.
David Meyler and John O'Shea are also set to train with the Royals for the first time this week.
And club skipper Paul McShane hailed the new arrivals.
He told Reading FC: "I've known them for a good few years. I knew Dave (Meyler) when I was at Sunderland and I knew John (O'Shea) through the Irish team and Man United.
"It's great to see familiar faces and they are two good lads who have a lot to offer.
"I know them as characters and I think they are the right characters to be brought in.
"John O'Shea has a wealth of experience and that will be vital for us and Dave is a good and honest player who will give everything."


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The credit rating of JSC VEB-leasing (hereinafter, VEB-leasing, or the Company) is equal to the rating of the supporting institution, State Development Corporation "VEB.RF" (ACRA rating: AAA(RU), outlook Stable; hereinafter, VEB.RF), and is based on very high likelihood of extraordinary support from the supporting institution and, indirectly, from the Russian Government.
The standalone creditworthiness assessment (SCA) of the Company has been upgraded to 'bb' on better capital metrics following weak risk profile assessment, and adequate funding and liquidity indicators. The positive one-notch adjustment to the SCA for the Company's competitive advantage is no longer applicable because this factor has been taken into account in the business profile assessment.
VEB-leasing is a specialized leasing company focused on financial and operational lease services covering air, railroad, water, and motor transport and related equipment. In addition, within the framework of its urban development program, the Company has plans to offer integrated solutions and services to regional and municipal authorities (lease of public transport and various equipment for construction, housing and public utilities, environmental, healthcare and other segments). The Company is directly involved in the implementation of the state policy for development of priority sectors of the national economy because the Company is fully owned and controlled by VEB.RF, a state development institution managed by the Russian Government.
Very high likelihood of support from VEB.RF and the Russian Government stems from the significant role played by the Company in the strategy of VEB.RF, in particular, in supporting the priority industries of the Russian economy. The Company is deeply integrated into VEB.RF. Moreover, almost all functions of VEB-leasing are expected to be centralized by VEB.RF in the nearest future.
Cross-default provisions contained in some of VEB.RF's debt obligations are another key factor of support from VEB.RF, according to which a default or dissolution of VEB-leasing constitute an event of default for VEB.RF. ACRA also notes that VEB.RF provided guarantees and suretyships with respect to some leasing projects implemented by the Company. Multiple capital injections provided by VEB.RF in the recent years (for the purposes of creating provisions and maintaining capital adequacy) is a positive factor indicative of the Company's importance for VEB.RF and the state.
Adequate business profile is underpinned by the Company's strong positions in the leasing market and, in particularly, the vehicle leasing segment. The Company has a unique opportunity to access strategically important segments of the leasing market, as it is involved in transport and manufacturing infrastructure projects managed by VEB.RF. Such involvement also implies the Company's participation in the long-term government programs that provide for subsidies or other preferences from the state. At the same time, the concentration of the Company's lease portfolio on top 10 customers and on classes of leased property (mostly aircraft and railcars) is relatively high (64% and 78%, respectively).
The capital position assessment has been upgraded to satisfactory on the upgrade of capital adequacy factor up to acceptable (due to reduction of uncovered losses in 2018) amid continued negative capital generation metrics. The averaged capital generation ratio (ACGR) calculated over the last five years has remained negative, which is a consequence of the formation of significant reserves for the "historical" part of the Company's leasing portfolio in 2016–2017. No further capitalization of VEB-leasing is expected, however, any profit generated by the Company will be applied to develop its business.
The risk profile is assessed as weak because of a high share of problem contracts in the Company's lease portfolio: as of January 1, 2019, such share exceeded 15%. However, the share has been declining, which is caused by, among other things, financial rehabilitation measures undertaken by the Company's management. Any asset is deemed by ACRA as problem if it is IFRS 9 Stage 3 asset. ACRA expects the amount of problem assets to decline in 2019. However, ACRA notes that the volume of contracts with payments overdue for 90+ days is low: in late 2018, NPL90+ totaled 0.5% of the current portfolio, while the aggregate amount of contracts with payments overdue for at least one day was 2.2%.
ACRA notes that the Company's funding concentration is high on both key sources and specific lenders. In particular, Company's securities were the largest funding source as at year-end 2018 (45%), while the top five lenders accounted for around 60% of its liabilities. On the other hand, the high funding concentration is mitigated by the fact that the largest lender and bondholder is VEB.RF.
The Company's liquidity position is assessed as adequate. In ACRA's base case scenario (based on the Company's cash flow projections), the current liquidity indicator of the Company is around 1.1x within the next 12 month. In the stress scenarios of ACRA, emergency needs for liquidity are moderate. As the Company is deeply integrated into VEB.RF and operates through a single treasury, it has access to emergency liquidity from VEB.RF, which ACRA also regards as a positive factor in terms of liquidity management.
ACRA has ceased to apply an upward one-notch adjustment to the Company's SCA based on its competitive advantage, having included this factor into the business profile assessment.
The Stable outlook assumes that the rating will most likely stay unchanged within the 12 to 18-month horizon.
A negative rating action may be prompted by:
No outstanding issues have been rated.
The credit rating has been assigned under the national scale for the Russian Federation and is based on the Methodology for Credit Ratings Assignment to Leasing Companies Under the National Scale for the Russian Federation, the Methodology for Analyzing Member Company Relationships Within Corporate Groups, and the Key Concepts Used by the Analytical Credit Rating Agency Within the Scope of Its Rating Activities.
For the first time, the credit rating assigned to JSC VEB-leasing was published on April 18, 2018. The credit rating and its outlook are expected to be revised within one year following the publication date of this press release.
The assigned credit rating is based on the data provided by JSC VEB-leasing, information from publicly available sources, as well as ACRA's own databases. The rating analysis was performed using IFRS consolidated statements of JSC VEB-leasing and statements of VEB-leasing composed in compliance with RAS. The credit rating is solicited, and JSC VEB-leasing participated in its assignment.
No material discrepancies between the provided data and the data officially disclosed by JSC VEB-leasing in its financial statements have been discovered.
ACRA provided additional services to JSC VEB-leasing. No conflicts of interest were discovered in the course of credit rating assignment.
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What Is The Difference Between Tax Levies and Tax LiensStephen A Weisberg
If you don't pay or settle your federal or state tax debt, the IRS and state taxing authorities can levy, seize and sell any type of real or personal property that you own or have an interest in.
Taxpayers often interchangeably refer to levies as liens or vice versa not realizing these are two totally different terms. Tax Liens are placed on taxpayer owned property {e.g. real estate} whereas tax levies are typically garnishments of wages or bank accounts.
Let's discuss tax liens and tax lien resolution then we will discuss tax levies and tax levy resolution.
Liens filed by IRS and state taxing authorities are typically filed with local county deeds offices. The liens are typically though not exclusively on real estate and are valid until the tax debt is paid off or the statute of limitations on collecting the debt has run out. The IRS or state taxing authority will send a written letter notification to the taxpayer after the lien has been filed.
But remember, although the IRS sends a after the lien is filed, the IRS will NEVER call you. Tax resolution companies may call you to try and get your business. Or much worse, you may be the subject of a scam by phone. Never give out personal information based upon a phone call you received from someone claiming they can help you or that they are calling on behalf of the IRS!
When the government places a lien the tax debt owed to IRS or a state taxing authority is now considered a secured debt. The tax debt is secured by the asset to which the lien is attached. When the government files a lien against a taxpayer it is their way of securing their interest in tax debt that is in arrears or past due.
Consequences of a Tax Lien:
- Assets — A lien can deter or prevent the sale of an asset, because it restricts or hinders a clear title search. The lien must be paid off or subordinated for the sale to occur. For example, you may not be able to sell your home.
- Credit — A tax lien could limit the taxpayer's ability to obtain credit and or refinance their home {most reputable lenders will not refinance a mortgage with an existing lien on the property}. Again, a lien subordination approved by the IRS is possible if proceeds of the refinance will go to the IRS.
- Business— The lien attaches to all business property and to all rights to business property, including accounts receivable.
Now that we have defined liens and discussed how these liens can impact taxpayers' properties and assets, let's discuss lien resolution.
Federal {IRS} Tax Lien Resolution:
Lien PAYMENT IN FULL/STATUTE OF LIMITATIONS: If the taxpayer pays the full balance owed to IRS, then the IRS will release the tax lien in 30 days. State taxing authorities may have similar policies. Similarly, the IRS will release the lien in the event the 10-year statute of limitations runs on the debt owed.
- Lien DISCHARGE:
A lien discharge removes the lien from a property. For more information on a lien discharge, please refer to Publication 783, Instructions on How to Apply for Certificate of Discharge from Federal Tax Lien. A Certificate of Discharge application should be submitted to IRS at least 45 days in advance of the transaction date that the certificate of discharge is required.
- Lien SUBORDINATION:
"Subordination" does not remove the lien but allows other creditors to move ahead of the IRS, which may make it easier to get a loan or mortgage. For more information on lien subordinations, you can refer to Publication 784, Instructions on How to Apply for a Certificate of Subordination of Federal Tax Lien. The taxpayer must specify they're paying overdue tax debt as either a primary purpose on a refinance application or else the IRS will likely deny the loan subordination.
- Lien WITHDRAWAL:
A "withdrawal" removes the public Notice of Federal Tax Lien and assures that the IRS is not competing with other creditors for your property, but the taxpayer is still liable for the amount due. For more information on lien withdrawals, please refer to Form 12277, Application for the Withdrawal of Filed Form 668(Y), Notice of Federal Tax Lien (Internal Revenue Code Section 6323(j)and the video Lien Notice Withdrawal.
- IRS lien withdrawal alternatives:
- A lien can be withdrawn after a lien has been released. However, the taxpayer must be compliant by having filed all individual, business, and information returns AND be current on estimated tax payments and/or federal tax deposits.
- According to the IRS, you can request a lien withdrawal if you enter into a direct debit installment agreement AND:
- You are a qualifying taxpayer (i.e. individuals, businesses with income tax liability only, and not part of any business entities which have any type of overdue tax debt)
- You owe $25,000 or less (If you owe more than $25,000, you may pay down the balance to $25,000 prior to requesting withdrawal of the Notice of Federal Tax Lien)
- Your Installment Agreement must full pay the amount you owe within 60 months or before the Collection Statute expires, whichever is earlier
- You are in full compliance with filing and payment requirements
- You have made three consecutive payments
- You haven't defaulted on your current, or any previous, Installment agreement
Now let's discuss levies. The IRS is a much more aggressive creditor than credit card or personal loan lenders. Not only will the IRS file liens, they will levy or garnish taxpayers.
There are two types of levies. There are wage levies and bank levies. When the IRS or a state taxing authority decides to garnish or levy a taxpayer's wages, they notify the taxpayer's employer. The employer may or may not notify the employee. The IRS can garnish or levy a taxpayer's entire paycheck if they choose to do so.
Plus, the IRS will garnish funds owed to you by third parties. Just because you are self employed and earn 1099 income does not mean you are not susceptible to a wage garnishment
The IRS can even garnish retirement income and or social security benefits up to 15%.
A taxpayer can typically resolve a wage levy by contacting the IRS Collections Department to enter into an installment agreement, submitting a CNC Currently Not Collectible status request) or submitting an OIC (Offer in Compromise). However, the taxpayer's tax returns for the preceding 6 years must have been filed.
Bank levies are very time sensitive. The IRS and state taxing authorities will send a letter to the taxpayer's bank. This letter stipulates the amount of funds to be garnished and the remittance date. The remittance date is typically 21 days or less. Upon receipt of this letter, the bank complies with the demand of the IRS and state taxing authorities and freezes the taxpayer's funds in the bank account. Once frozen the taxpayer is unable to access or spend the funds within the bank account.
If the taxpayer does not contact the taxing authority responsible for issuing the levy and resolve the tax matter prior to the remittance date, then the amount of funds stipulated in the letter will be garnished. I am repeatedly asked "The remittance date has passed. Can I get my money back?" The answer is no.
In short, the difference between a levy and a lien is that a lien secures the government's interest in an asset when you don't pay your tax debt so that the IRS can collect from the proceeds of a sale. A levy can either attach the taxpayer's wages or funds in a bank account etc., to pay off the overdue tax debt.
What to do if you receive a letter notifying you of a tax lien or tax levy.
First, you should act quickly. The most successful resolutions are when you act immediately and show the IRS you are serious about repayment. When you act quickly you have the opportunity to avoid many negative consequences. Acting quickly doesn't mean you should act without a plan. The W Tax Attorneys can quickly evaluate your letter, your situation and help you take action immediately. We understand you may be in this situation because you have little money to pay the IRS. This is why we offer free consultations to give you answers and show you what options are available to you for free. You can call us, or chat with us online. There is no cost nor obligation, just answers.
Lead Tax Attorney, The W Tax Group


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On 5th August 2017, my family and I decided to go on an outing on our motorbikes. We had no particular plan in mind. Just…. Maybe have a meal here and there, relax somewhere and check out Decathlon at Bedok.
Coincidentally, we travelled around Singapore, always taking the route closest to the water and skipping the centre.
From…. Yishun – Changi Village – Changi Beach Park – Decathlon (Bedok) – Mr Teh Tarik (near Joo Chiat Complex) and finally, Home.
I wish I could have more trips like this. It was definitely an eye-opener to see the other side of Singapore and to improve my riding skills.
I also found out that my riding skills are atrocious; u-turn without using any brakes, both legs on the ground whenever possible or scared, etc.
Challenge: Ride without putting my right leg down unnecessarily.
Hopefully, I'll be a better rider before next March when I'm finally able to take up my class 2A license.


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Most people don't think very much about their carpets. That is, unless they have a lot of stains or their carpets are dingy. Then, it becomes a very important topic indeed! If you are one of those people, do not despair. A professional cleaner can help you, just keep the following tips in mind.
Make sure that you vacuum your carpet at least once a week to get rid of all of the grit and dust that may be on it. This can help extend the life of your carpet and give it a fresh look when you have people over your house for social gatherings.
The first step is to prepare your carpet for cleaning. Thoroughly vacuum the area to be cleaned before starting. It is important to remove loose soil and debris prior to cleaning the carpet. For best results, any problem areas should be pre-treated with an appropriate cleaning product before you use the carpet cleaner.
You should always find out if your carpet cleaning company offers a money back guarantee. This is very useful since you may not always be satisfied with the job that was done. Most companies that offer this type of policy work harder because they do not want to end up giving out multiple refunds.
Get a referral from a friend. Talk to your friends and family members and ask if any of them have recently had their carpets clean. Any information, whether good or bad, can be useful. In addition, you can be sure that their review of the carpet cleaning company is genuine, and not a paid placement to draw in business.
Always compare rates before you choose a carpet cleaning company to come to your home. Every company has a different strategy to make a profit, and some of them try to trick their customers. Be sure to have a firm quote in hand before you choose which company you will use.
Remember that certain companies use chemicals that could be harmful to your family. Ask the professionals you hire about the products they use and do not hesitate to mention environment-friendly products such as salt, vinegar or baking soda.
Never keep your vacuum stagnant when you are cleaning your carpet. This can lead to marking your carpet permanently, if you leave your device on a certain area for a long period of time. Move at a speed of 2 feet per second to get a full clean of your area.
Be very careful if you use a coupon from a carpet cleaning company that you receive in the mail. They will often list extremely low prices to get the work, but when they actually come, they will hit you with hidden charges to clean the home. Extras they will try to tack on at additional cost include spot treatment, heavy traffic areas and hallways.
Now that you have some tips to help you find a good carpet cleaner, you can begin your search. Just remember what you've learned, so you can choose someone who is reputable and good at the job. Your carpets are going to look so much better that you'll finally be able to think about something else!


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In a region where the educational offerings are usually bog standard, there is a jazzy possibility: you can become a professional animator by attending classes at the LSUS Animation and Visual Effects institute (AVEI).
LSUS Animation class
Originally uploaded by trudeau
LSUS Animation class
Originally uploaded by trudeau
And teens can explore a future in animation by taking the intro classes offered regularly on weekends and during the summer.
In June the Animation and Visual Effects Academy (AVEA) will engage 20 high school participants in hands-on learning using cutting edge technology to create visual and compositing effects that are used in movie making, advertising, cyber visualization programs, and computer gaming, says John Miralles.
Components of the summer program include Desktop Graphics, Film Making Theory, Film Shooting and Editing, and Visual Effects. The program culminates with the debut showing of the student-made film at the Robinson Film Center to an audience of family, friends, and supporters of the program.
June 1 – 25
M - F, 9:30 a.m. – 2:00 p.m.
Technology Center, LSUS campus.
Cost: None. Lunch is provided. Sportran bus passes are provided as needed.
Download the application and mail it in by Ap 12.
Info: Diana Gingles at 797-5331 or 797-5356.


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Can I still make amendmends to my registration?
Your registration can be amended up to one month before departure. Please note, however, that if the stock of the Vespas or hotel rooms has gone through, you can no longer make any amendments. We therefore advise you to fill in everything as concrete as possible from the start of your registration.
You can't change your insurance after your registration. This is to prevent abuse of the insurance.
If something isn't clear enough for you, just give us a call and we'll help you out.


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Job Description
Alex Dobson is recruiting for an Air Export Supply Chain Coordinator with an internationally renowned transport and logistics company. This role is an exciting opportunity for someone who has has Aviation Security clearance and has an IATA Dangerous Goods qualification.
The Company
The company is one of the top 10 transport and logistics companies in the world and within the top 5 in Europe. As a company they match the needs of import and export organisations around the world and provide complex supply chain management solutions for major groups around the world. They work within numerous industries including the Aerospace, Food, Engineering, Oil and Gas and Healthcare. In addition to this they operate within 12 different sites across the UK.
The Role
- The company are looking for someone with a good all round knowledge of both processing shipments by Air to destinations across the globe
- At least 2 years minimum experience in international logistics is preferred with a heavy influence on high levels of customer service
- Work in harmony with the internal and external client to deliver the very excellent customer support and service
- Ensure all enquiries and other communications are actioned promptly and efficiently
- Administer Standard operating procedures as defined by the client and the company in support of the Branch Supervisor/Manager
- A committed individual who has the required flexibility to be involved in every aspect of the diverse transactional activities processed through the Branch
- Good communication skills both verbal & written
- Fast and accurate keyboard skills
- Friendly, calm and professional manner
- Ability to handle pressure and good time-management
- Capability to adapt to change and work effectively as part of a team
- Attention to detail
This is a permanent position.


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Buy this DVD?
IN PLAIN SIGHT(On-going TV show, 2008-->)
Creator: David Maples
Starring: Mary McCormack, Fred Weller, Nichole Hiltz, Paul Ben-Victor, Lesley Ann Warren, Cristián de la Fuente, Todd Williams, Holly Maples...
Rating: PG
Run time: 1-hour episodes
Genre: drama/crime angle
Season one available on DVD. Season two not yet released.
Currently showing on USA cable TV channel.
Check local listings for time/date and repeat schedule.
Reviewed by Cherie Jung
Mary Shannon (Mary McCormack) and Marshall Mann (Fred Weller) are U.S. Marshals for the witness protection program who spend their time relocating federal witnesses. They are based in Albuquerque, New Mexico. As you might expect, things rarely go smoothly.
Mary is also cursed with a dysfunctional family, including an alcoholic mother, Jinx (Lesley Ann Warren), and a whiny younger sister, Brandi (Nichole Hiltz), both of whom live with her. Mary's cutie pie boyfriend Raphael Ramirez (Cristián de la Fuente) plays minor league baseball and doesn't get to see much of Mary because of the demands of her job and family.
Warning! Don't expect the episodes to be as good as the advertisements for the show, they aren't.
To be honest, I don't understand what all the hype is about concerning this show. As far as I'm concerned, more time should be spent on the witness protection aspect of the series and less time on the dysfunctional family. A little bit of whining and the problems of a can't-quite-keep-it-together alchoholic go a long way. I'd like to see more about the difficulties of keeping the witnesses safe. And more of the boyfriend, please!
Mary has some good one-liners but the show needs more than that.
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Copyright © 2009 Over My Dead Body! All rights reserved. Reproduction in whole or in part in any form or medium without express written permission of Over My Dead Body! is prohibited. OMDB! and OMDB! logos are trademarks of Over My Dead Body!


text: After snaring potentially the world's biggest make-up artist, Pat McGrath, to work on her spring/summer 2009 show (not to mention a certain Naomi Campbell, too), Daniella Issa Helayel sent out a glamorous yet laid-back collection of customary prints and diaphanous fabrics that paired up beautifully with McGrath's healthy, glossy beauty look. Speaking to VOGUE.COM, McGrath cited, "bronzed cheeks, beautiful pinky highlights and nice healthy skin" as the buzzwords for the Issa woman's look this season. Masterpiece mascara by Max Factor and Alloy eye shadow by Laura Mercier were the key products around the eye area, to create a smudged yet youthful version of the smoky eye. The finishing touch? "A beautifully glossed mouth."


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August 2, 2019, 8:00 AM - October 11, 2019, 5:00 PM @ The Forum
The latest exhibit in the Galleria at the Forum features the artwork of Lawton, OK artists The Divas. The group comprised of students brought together by well-known Medicine Park, OK watercolorist Tom Biggs. Beginning with a painting class in 2014, the students became close-knit and Tome started calling them his "Divas". Since that beginning these artists have expanded their artistic learning, branching out from watercolor to other media across a range of subject matter.
September 10, 2019, 6:00 PM - October 22, 2019, 9:00 PM @ Public Safety Training Center and the WF Fire Drill Field.
The WFFD is now taking applications for their Citizen's Fire Academy. This will be a 7-week academy meeting on Tuesday evenings from 6 pm - 9 pm. The dates of the academy are September 10th thru October 22nd with Graduation on Saturday, October 26th.
This will be a hands-on and classroom firefighter experience. Participants will learn the entire history of the WFFD from its inception to the present time.
Classes will be at the Public Safety Training Center and the WF Fire Drill Field. Dinner will be provided on the first meeting night and on Graduation. Snacks and water will be provided on the other nights.
September 13, 2019, 7:00 PM - 10:00 PM @ Backdoor Theatre
This is a special MUSICAL Improv night! We'll have our house band to back us up on a few games!
Ever seen "Whose Line is it Anyway"? Same thing except local and we don't get re-dos! Every Improv show is different, and we have no idea what we'll do next! Bring a date, come laugh with us, and at us!
Improv Nights at Backdoor are for those 18 + up! There is usually cussing.
**There will be no food service for this show. BYOB and we will have concessions open!**
We recommend reserving seats in advance, Improv Night sells out quickly. www.backdoortheatre.org/purchase-tickets.html
Walk-ins welcome! Show begins at 7 PM!
September 13, 2019, 7:30 PM - 10:00 PM @ Fain Fine Arts Theatre-MSU
The 39 Steps is a parody adapted from the 1915 novel by John Buchan and the 1935 film by Alfred Hitchcock.


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Bueno.com may be the newest entry into the social network scene but it's got something everyone is talking about – a free USA number with voicemail call waiting and a virtual phone empowering site users to make and receive free calls as long as they have a microphone and speakers wherever they are.While the launch of its beta version of "what's soon to comeâ€, even though many of the gadgets work, there are several significant features placing what Bueno will be, in a league of its own.First, of course you get your own email address and voicemail in box –you can send and receive emails videomail ect... You get a very well organized wall with a nice feature – your wall is always present so you can keep up with the activity without having to open and close screens. You can post and receive not only text messages, but voice and video messages as well. Very slick. Want to let your friends know what you're doing right now – record and send a video post in seconds (but make sure you have a web cam). Bueno users also get their own photo album page enabling users to import and collect your favorite pix and video galleries where you can store the video messages you want to hold on to.With all of these robust features, the sense is that you cancommunicate with any of your member friends using text, email, video and now, your own virtual phone, for free, as well as keeping your life in a fairly sane state – let's not forget the calendar, blog, and chat.At sign up, you'll choose a phone number – you'll now have the ability to call a friend, from your computer, and give them your real BUENO phone number, named "MEâ€. If your friend happens to be in Mexico or Italy, and you're in the USA, the call is free. When your friends sign up – you're all in, chatting, emailing, sending video messages and calling all simultaneously and for free.Let's not forget the music search option you can load up with your new found favorite artists thanks to BUENO's legally free search technology. Bueno.com is a Miami based technology and communications enterprise. Ownership and management have spent thousands of hours collaborating with their team of techies and it is apparent this network really has a grasp on not only what everyone seems to want in a feature rich community, but something very innovative, new, and free.
Connect with us!
- 600 ne 36 st C1, Miami, Florida , United States .
Jobs Available
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Start with the end in mind. Understand how your organization's capabilities fulfill your purpose. Prioritize investments and meet your goals. Ensure your strategy focuses transformation on maximizing customer value.
Use your key business capabilities and processes to inform delivery, methodologies and accountability. Our consultants identify the skills and ownership required to advance capabilities and provide transparency to the organization.
Create clarity of purpose
- We work with clients to document enterprise strategic imperatives to drive alignment of business goals & capabilities.
- The capabilities become the foundation for innovation, accountability & action.
Align capabilities to business & technology architecture
- Anchored on the organization's purpose and strategies, we further define business capabilities by mapping them to existing business processes & technology architecture (applications, platforms & infrastructure).
- Lean systems thinking & principles are core to our approach.
- Identify current & future state including gaps, chokepoints & opportunities.
Build a more Agile delivery model
- Understand how capabilities are currently delivered.
- Map leaders & teams to applications & business processes.
- Identify overlap & delivery gaps including any impacts as a result of existing organizational structures.
- Create your vision for autonomous delivery teams.


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Format: Paperback
Cover by: Cliff Nielsen
Language: English
Published by: Pocket Books
Length: 432
Published On: 2002-10-01
Franchise: Star Trek: Deep Space Nine
Storyline: Star Trek: Deep Space Nine: Mission Gamma
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A four-book odyssey of space exploration, political intrigue, religious schism, deadly conspiracies and startling revelations, this is Deep Space Nine at its best. Peace talks test the morality and resolve of two longtime enemies, the Bajorans and the Cardassians. But when politics and diplomacy fail, a strange alliance of alien religions offers unexpected hope for lasting peace. Meanwhile, a mysterious ancient artifact challenges the crew of the Defiant by 'restoring' crewmembers who have survived life-altering transformations, propelling them into personal journeys of self-discovery during a dangerous military confrontation.