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Calogero Panvino : Associate Artist
Random Audio Sample: 15 inventions for solo oboe : oboe solo by Calogero Panvino, from the CD 15 inventions for solo oboe
Artist website: http://www.calogeropanvino.com
Calogero Panvino was born in Sydney in 1972. His school years were almost totally devoid of any musical training, and it was not until he started university (enrolled in a science degree) that he started taking an interest in classical music. It was around this time that he also started to learn to read music and play the piano.
Having completed the science degree, Panvino entered the workforce. However, a couple of years later he returned to Sydney University where he completed a Bachelor of Music Degree and a Master Degree in composition. His principal teachers were Kirsty Beilharz, Ian Shanahan and Bozidar Kos. During this time he was awarded the Doris Burnett Ford Scholarship for composition, and the Italian Government Scholarship, Albert Travelling Scholarship and Sydney Moss Scholarship, which enabled him to carry out research in Italy on the music of Giacinto Scelsi.
In 2006, Panvino's composition Sonata 101 received an honourable mention in the Salvatore Martirano Memorial Composition Award Competition and his orchestral composition, Race Against Time, won the 3MBS National Composer Award.
Panvino is currently working on a PhD at Sydney Conservatorium of Music under the supervision of Michael Smetanin. His compositions to date include numerous works for solo piano, a set of fifteen pieces for unaccompanied oboe (performed on the ABC FM program, New Music Up Late on 03/03/2007), a percussion sextet, a string quartet and several works for the orchestra.
Biography provided by the composer — current to September 2008


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In this Issue
OSHA Delays Beryllium Rule Enforcement
The agency also clarified requirements for the construction and shipyard industries.
Majority of Establishments Failed to Submit 2016 Electronic Reporting Data
A delayed compliance date and confusion about exemptions caused many establishments to fail to report 2017 data electronically.
OSHA Releases Two New Fact Sheets on Electricity Safety
These new resources can help protect employees who frequently work around electricity and downed power lines.
OSHA Delays Beryllium Rule and Clarifies Requirements for Construction and Shipyards
Although OSHA's final rule on beryllium exposure in the general, construction and shipyard industries became effective on May 20, 2017, the agency recently announced that it will delay enforcement until May 11, 2018. OSHA also announced that some of the rule's requirements will vary between the three affected industries.
Beryllium is a toxic metal that's commonly found in machine parts, electronics and aircraft. The metal is a known carcinogen and can also cause respiratory problems, skin disease and many other adverse health effects. For these reasons, OSHA has lowered the exposure limits for employers in the general, construction and shipyard industries:
- The permissible exposure limit (PEL) of an eight-hour average has been lowered to 0.2 micrograms per cubic meter of air (μg/m3). The previous PEL was 2.0 μg/m3, a limit that OSHA found to pose a significant health hazard to employees.
- The short-term exposure limit (STEL) over a 15-minute period has been lowered to 2.0 μg/m3.
Although the new beryllium rule contains additional requirements, OSHA will only require the construction and shipyard industries to follow the new PEL and STEL. The agency stated that employees in these industries don't frequently work near dangerous amounts of beryllium and are protected by the safety requirements found in other OSHA standards.
General industry employers must follow these additional beryllium control methods:
- Provide exposure assessment to employees who are reasonably expected to be exposed to beryllium.
- Establish, maintain and distinguish work areas that may contain dangerous amounts of beryllium.
- Create and regularly update a written beryllium exposure plan.
- Provide adequate respiratory protection and other personal protective equipment to employees who work near beryllium.
- Train employees on beryllium hazards and control methods.
- Maintain work areas that contain beryllium and—under certain conditions— establish facilities for employees to wash and change out of contaminated clothing or equipment.
For more information on the new rule, call us at 920-921-5921 and ask to see our Compliance Bulletin on beryllium exposure.
Majority of Establishments Failed to Submit 2016 Electronic Reporting Data
According to a new report from Bloomberg Environment, a majority of the establishments that were required to submit 2016 injury and illness data under OSHA's electronic reporting rule failed to do so. OSHA expected to receive about 350,000 reports, but the agency only received just over 150,000.
The final date to submit 2016 injury and illness reports was Dec. 31, 2017, but this date was delayed a number of times as OSHA worked to build its Injury Tracking Application and improve its cyber security. Bloomberg also attributes the large number of missing reports to confusion about exemptions, as OSHA received over 60,000 reports from exempt establishments.
Under the rule, the following establishments must submit data electronically:
- Establishments with 250 or more employees that are required to keep injury and illness records must submit OSHA Forms 300, 300A and 301.
- Establishments with 20 to 249 employees that work in industries with historically high rates of occupational injuries and illnesses must submit OSHA Form 300A.
The final date to submit 2017 injury and illness data electronically is July 1, 2018. Beginning in 2019, data from the previous calendar year must be submitted by March 2 annually.
OSHA Releases Two New Fact Sheets on Electricity Safety
OSHA has released two electricity fact sheets in order to protect employees who frequently work with electricity and power lines. According to the Electrical Safety Foundation International, electricity causes over 150 fatalities and 1,500 injuries in U.S. workplaces every year.
Here are some of the topics included in the first new fact sheet, which can provide tips for engineers, electricians and other employees who work with electricity:
- Generators
- Power lines
- Extension cords
- Equipment
- Electrical incidents
The second fact sheet focuses on downed electrical wires and can help employees involved in recovery efforts following disasters and severe weather events.
Protecting employees from electrical hazards not only keeps your business productive, it can also save you from costly OSHA citations. The agency's electrical wiring method standard is one of the top 10 most frequently cited standards nearly every year.
For resources that can help safeguard your business against electrical hazards, contact us today.

subset: commoncrawl


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'Let's go surfing now, everybody's learning how, come on and safari with me…' Those iconic words from the Beach Boys began beckoning the American public in June 1962 to experience what was then depicted through Hollywood as the ultimate California pastime. Unknown to most at the time, and even many today, is how much surfing and the surfboard had evolved from it's first known existence in the 6th century.
To the early Polynesians, surfing was not just a sport or pastime it was an integral part of their culture. Surfing was a deeply spiritual activity and surfboards were created with great ceremony honoring not only the activity but also those that rode the boards. Those first boards were made from native woods and though simple to look at indicated the social class of the rider depending on the size and material used. The 'Olo' was 14-25 feet and ridden by chiefs and the Alii or noblemen, and most of these boards were made from the Wili Wili tree. The 'Alaia' was a mere 10-12 foot surfboard, ridden by the commoners and made of wood from Ula and Koa trees. Surfing was also used as a training exercise for the Hawaiian chiefs and used in conflict resolution.
Surfing and the surfboard didn't make it to California until 1907 when Hawaiian George Freeth became the first professional surfer, demonstrating his skills as a publicity promotion for the Redondo-Los Angeles Railway and using his new board design. Freeth had been experimenting with the traditional surfboard design and found by cutting the board in half to a mere 8 feet it was much lighter and more maneuverable, leading the way to the solid redwood Hawaiian board of that time that ranged in size from 6 to 10 feet in length. These redwood boards were commonly referred to as 'planks' due to their straight, flat shape and while lighter than the longer boards were still quite heavy compared to today's standard.
Ironically it was Tom Blake, a native Wisconsinite who had moved to Hawaii, who effected the next major changes in surfboard construction. In 1926, in an effort to reduce the weight of the board and keep the 15 feet of length, he drilled hundreds of holes into a redwood surfboard and encased it with a thin board of wood on the top and bottom. The fifteen foot surfboard now weighed a mere 100 pounds and was nicknamed the 'Cigar Board' by the local Hawaiians. Initially ridiculed, the new design was quickly adopted by other surfers after witnessing the increased speed in the water and the 'Cigar Board' became the first mass-produced surfboard in 1930. Not done innovating, Blake also created the first 'fixed fin' in 1935 which lead to more stability and maneuverability while riding a wave. During this same time frame, Balsa wood, a much lighter wood from South America began being used in surfboard construction. The center of the boards would be constructed of Balsa to reduce the weight of the surfboard and the rails, nose and tail would be made of Redwood for increased strength and durability. The woods were bonded together with a newly developed waterproof glue and then varnished. With this new construction the weight of the average surfboard was further reduced to an unbelievable 60 pounds.
It wasn't until after World War II and the advent of new technologies the modern surfboard of today was born. Fiberglass, plastics and styrofoam were new materials introduced through the needs of war and adopted into surfboard manufacturing. Of these three new materials, fiberglass became the most significant for surfing. Initially, Balsa boards covered with fiberglass were created commercially before being replaced in the late 1940's with boards made of styrofoam and thin layers of marine plywood, Balsa wood, or a Redwood stringer and then coated with fiberglass.
The late '50's brought the advent of the first 'foam' boards and more innovation in shape, size and fins but that is a story for another day when we continue our exploration into the evolution of the surfboard. For now, as the Beach Boys proclaimed in 1962, the surfing safari can be a reality, fueled by dreams, hope, initiative and the aloha spirit.
'The Complete Guide to Surfing' by Peter Dixon
'A Brief History of the Surfboard' Popular Mechanics, June 12, 2012 by Erin McCarthy


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July 03 2015 | UpriseVSI
User experience is arguably one of the most crucial factors of any website, but how do you get it just right? We've got the perfect formula.
User experience, known as UX, can seem daunting to predict. Could you do more? Is it groundbreaking? Should you just stick to what you know? The questions are endless, but they needn't be. In fact, the whole process can be broken down into just 6 simple questions that you need to consider when budgeting for a website.
In school, we're taught that you can solve any problem if you have the answers to certain questions: who, what, when, where, why and how. Today in the digital world, these questions become essential elements in creating the perfect website.
Who – "Who is the user?"
This is one of the most important questions to answer about your website. If you don't know who your target audience is then how are you supposed to capture their attention? Without knowing who your customer is, how could you possibly know what they want? Consider what your potential customer needs, wants and expects from you. Once you know who your customer is, you can relate to them.
What – "What are the problems?"
Before you start any web project, you need to be able to identify what problems you are trying to resolve. Without knowing the problem, you will never find the answer. Ultimately, you want the customer journey to run as smoothly as possible, so you should look to solve any potential problems and ensure that your website is easy to navigate.
Where – "Where can we improve the existing problems or solution?"
If you are redesigning an existing website, then it is always useful to analyse the existing one to find out what works and what can be improved. If you're designing a website from scratch, then you need to be able to critique your own design and find areas to improve on. It helps to look at competitor sites, of course you shouldn't copy their work but there's no harm in looking to see what works for them and how you could improve it.
When – "when should we test the design?"
Usability testing is the key to achieving a great user experience. It allows you to step into the user's shoes and see if things are too complicated. If you test the website at numerous points in the design process, you could save yourself a lot of time. Let's face it, you don't want to end up with a great-looking design that doesn't work.
As a business owner, there's sometimes a danger that you will start to make changes to the website design based on your own personal preferences. Whilst you may know a lot about your own sector, it's important to always look at your website from the perspective of whoever's using it. Being objective and recognising your customers' needs is what makes for a great user experience.
Why – " why…?"
"Why does this button have to be blue?", "Why do we use this image on the main-slider?", etc. Try to get into the habit of asking yourself these questions throughout the entire design process. This will ensure that everything is easy to use, consistent and of course, looks good.
How – "How do we know that we're on the right path?"
There are several tools available to help you to answer this question. At the start of the process, market research and personas will help you to find the right path. During the design process, low-res prototyping and user testing are great tools. Finally, once you approach completion, tools like Google Analytics and eye-tracking software are effective measures that will ensure that your website performs how you want it to.
If you need any help with a web design and development project, give us a call.
We use cookies for certain areas of our Site. Cookies are small data files stored on your hard drive by a website. Cookies help us improve our Site and your experience.


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Asian fish noodle broth - Serves 4 people
If you do not want to use rice noodles, shred some won-tan pastry and drop in the soup at the last minute.A tip from
In a large pan, warm the sesame oil, add the fish sauce and slowly sweat the shallots, sugar, chilli, crushed lemon grass and ginger. Add the stock and bring to the boil for about 10 minutes. Pour 1/3 of the hot stock in to a pan with the rice noodles and the chilli flakes, cover and put to one side.
Add the coconut cream to the main pan and boil for 5 minutes, add the monk fish, squid, mullet and mussels and cook for 3 minutes, check the seasoning, add lime juice to taste; (if the soup tastes too strong you can always dilute it with the stock from the noodles.) Drain the noodles, and place in the serving dish, top them with the soup
At the last minute add the coriander and mint then serve.


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According to the National Football Post, Tony Romo of the Dallas Cowboys makes an average of $18 million per year. In early 2013 the quarterback signed a six-year deal worth $108 million to become the highest paid Cowboy's player ever.
The deal Romo signed was structured in a way that only $55 million was to be guaranteed with the rest depending on health and football performance. By average yearly salary, Tony Romo is the fourth highest paid NFL player behind Joe Flacco, Drew Brees and Peyton Manning. Romo had tremendous leverage before signing a long-term extension with the Dallas Cowboys as he was due to become an unrestricted free agent after the 2013 NFL season.


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20,000 Days on Earth review: Festival opener a rare insight into Nick Cave, and creativity
The Nick Cave documentary 20,000 Days On Earth was a fitting choice for opening-night film.
20,000 Days On Earth
Not yet rated, 95 minutes
In competition at the Sydney Film Festival, June 4
Nick Cave is a surprise in 20,000 Days On Earth, funnier and more self-deprecating than expected.
In a film that is both an intimate portrait of the iconoclastic Australian rocker and a wider essay on creativity, directors Iain Forsyth and Jane Pollard show him as thoughtful, articulate, brutally honest and droll about his delusions of grandeur and rock star excesses.
Instead of a traditional rock documentary – interviews with a star spiced with praise from other musicians and wrapped up with concert footage – the British video artists have structured the film as the fictional 20,000th day in Cave's life in his home town of Brighton, England.
They use clever devices to have him reflect on his life and influences: visiting a psychoanalyst to discuss his first sexual experience and memories of his late father; dropping in at bandmate Warren Ellis's place for a lunch of eels; and visiting his archive, transplanted from Melbourne to Brighton for the film, to sift through family photographs and mementos.
"My biggest fear is losing my memory," Cave says to the psychoanalyst, though he later adds that his drug use has already contributed to that. "1987 was a difficult year to remember," he says. "Eighty-anything is difficult".
The film, which grew out of Forsyth and Pollard filming promotional footage as Cave made the 2013 album Push The Sky Away, lifts with the imaginative touch of having him visited by other performers, as though in a daydream, while driving.
With Ray Winstone, star of the Cave-penned film The Proposition, he talks about getting older; former Bad Seed Blixa Bargeld opens up about leaving the band; and with Kylie Minogue in the back seat, Cave reflects about working with her on Where The Wild Roses Grow, which gave him a rare hit.
The film subverts his fierce image – rock god/manically intense live performer/serious poet obsessed with religion and death – as he eats pizza while watching Scarface with his twin sons. But it also reinforces the mythology Cave has built over the years as he transforms for a blazing performance of Jubilee Street at the Sydney Opera House.
In a beautiful and intimate scene featuring voice-over and archival footage, he rattles through the powerful combination of formative sexual influences that coalesced when he met his wife Susie.
The first documentary to open the festival in two decades, 20,000 Days is a bold blending of drama and documentary that suits its subject's talent for revealing truths in fictional dramatic worlds.
While a natural for fans, its insights into creativity will give it a wider audience when it is released later in the year. For now, it's a spirited start to the festival's competition for "courageous, audacious and cutting edge" cinema.
Garry Maddox is a Senior Writer for The Sydney Morning Herald.


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In the farthest reaches of Upper Nidderdale, life is being breathed back into a village abandoned nearly a century ago – thanks to students on our Foundation Programme in Heritage Skills.
Using stonemasonry skills learned on the programme, students Tom Carling, James Duffus and Harry Smith have engraved a set of five stone markers which will nestle among the ruins of the deserted settlement of Lodge.
Each one will commemorate a building or the name of a former inhabitant, giving visitors a haunting backward glimpse of what was once a thriving farming community. The village became empty in the 1920s at the behest of the Bradford Corporation Water Committee as Scar House Reservoir was being built.
The Foundation Programme was set up in 2014. It offers vocational training in traditional skills for young people in Nidderdale.
Through study, training and placements with local companies, it helps students make the difficult step from school into the world of work.
Work placements cover areas such as farming, countryside management and tourism. Heritage craft skills are taught at Number 6 Gallery in Pateley Bridge, where Tom, James and Harry learned their stonemasonry from local sculptor Joseph Hayton.
The stone markers they were commissioned to make are part of a wider project. Compared with other deserted villages in Nidderdale, Lodge is quite well preserved.
The footprints of five complexes of buildings survive, rising several courses of stonework above the ground, so the outlines of houses, barns and gardens can be made out. Yet because of its remote location, Lodge has faded into obscurity.
At the Upper Nidderdale Landscape Partnership, we thought it was time that Lodge was brought back into the light of day. Last summer we carried out excavations at the site, aiming to find evidence of its medieval origins.
Although much of the material we recovered was from later centuries, we found clear signs of Lodge's origins as a grange farm of Byland Abbey.
In later centuries, the village evolved into an assortment of handsome laithe houses, of a typical Pennine design: human inhabitants at one end of the building, four-legged ones at the other.
These are the buildings whose ghostly remnants exist on the site today.
Alongside the stone markers, we will be providing digital resources and an information panel at the site, telling how the village endured over the centuries until its location next to the new reservoir aroused concerns about water contamination.
Our Historic Nidderdale Project Officer, Rob Light, has been overseeing the installation of the stone markers. He's excited that visitors will soon be able to see tangible signs of the work done at the site.
He said: "It's a great way of making the historic environment accessible to more people. And it's good for the Heritage Skills students to see a solid outcome to their work – it's been a chance for them to produce something which will be a permanent part of the landscape. They've done a fantastic job, too."
Joseph Hayton agrees. He said: "I think it was a great idea to do this job with the three lads. I'm sure they took it more seriously because it was a real job, not just a mock-up. They worked very well together as a team."


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So Long and Take Care, jgonzo/
This isn't really Mega Man news so much, but I want to take the time to thank someone who's been very important to this site, and to me. After today, Community Manager Joveth "jgonzo" Gonzalez will be leaving Capcom, and is setting off for a new life in Austin, Texas. To be frank, I am much more saddened by this than Keiji Inafune's own departure. I first met Joveth back in January of 2010. After it was announced that Capcom would showcase Mega Man 10 during CES, I had BD look into if I could come by to try it. Joveth warmly invited us, and I managed to roadtrip over. Keep in mind this was all in the same week of the event, so it was really last minute. I didn't really know anyone at Capcom personally at the time, and I was pretty timid to be at what I considered an event far more formal than I deserved to be at. But Joveth was the most down to earth person I spoke to. He seemed less like an employee and more like someone like me.
I'm not going to say that Joveth and I hit it off as BFFs, but over the next few months I grew more comfortable with talking to him (i.e. bugging him for favors and information). We got to know each other as well as a customer/business relationship over the internet permitted. A kind and fun guy who doesn't mind poking fun at you for being a fanboy, that sums up "jgonzo" well.
Beyond CES, I have Joveth to thank for E3 2010 and Captivate 2011. Really, I owe a number of people at Capcom thanks for those things, but Joveth was the primary connection there. I also must thank Joveth for giving us contest goods, being the first esteemed guest of our podcast, and even backing me for my interview with Capcom, which is a story for a later time. Joveth even told me about Mega Man Legends 3 moments before it was announced. That's right, moments! Though I thought he was trolling me until it was actually announced.
And really, all I've done in return is send news tips and a tin of popcorn.
Since then I've gotten to know more people at Capcom who are all wonderful. Except for Snow. (jk!) But Joveth will always be the forerunner in a sense, my initial contact. And even if through mutual benefits to a degree, we got to know each other the best I think. So, my good pal, I just want to say thank you for everything. Even if I can't bug you for Mega Man stuff anymore, I still hope we stay in touch. Enjoy life in Texas, I hope you like Dr. Pepper.


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You can't just buy the esteem that comes with real bonding, as I've found on numerous occasions. While our society places the whole gift-giving dynamic on men treating women, for the majority of my life, I apparently mis-read the memo, and did all the treating while reaping absolutely none of the rewards, other than that "oh my god, does he even like this?" feeling. For my last long-ish term on-again, off-again guy, I bought him a leather jacket in Italy. Its wear-life already has outlasted our relationship. It's a nice coat. He stills wears it. I'm still don't regret buying it for him. But that's just the tip of my over-spending on the less-fair sex.
It all started with my first boyfriend. I was 16, didn't even really like him all that much, and yet still dropped over $80 on him for our first Christmas-- an Irish necklace, new boxers, a stuffed dog to replace the one his very real beagle had ripped to shreds, a 6 pack of his favorite beer, and on, and on, and on...just to find out he got me NADA for the holidays, and to also find out he was cheating on me 6 days later. I bought another guy a new hoodie...which I ended up keeping because I loved it so much (we shared custody of it for awhile, anyhow). I couldn't resist buying two soft-as-second-skin t-shirts I found in the most complimentary colors of blue and green for a guy...even though we'd only been seeing each other for a month. I also sent him a care package at college, which facilitated the beginning of our blow up. I used to buy my senior year of high school boyfriend chocolate covered gummy bears, his favorite, and sneak them into his soccer bag for after practice. Needless to say, I've always found it nearly ridiculously easy to drop money on guys. And usually, they drop me soon thereafter.
As I pointed out to my mother today, in the current economy, dating has kind of died. Three years ago, I was making more as a part-time sales associate at American Eagle than I am now working 20 hours a week as a peer writing consultant and Champlain's Writing Center. Three years ago, people our age had the ability to take a potential new beau out to dinner at places like Sweetwaters or Halverson's or VPB. Now, as our paycheck shrink and our gas bills get higher and higher, we have to be a little more creative. My roommate was recently taken on a very romantic winter walk in the newest snowfall. My friend Julia's favorite date was at a laundromat-- getting food delivered as they did their laundry. Movies and eating in are becoming in vogue again, because with Netflix and torrenting and streaming online, it's cheaper than going to the movies. Going out to eat and seeing a show has become a thing of the past. Brunches and bowling have replaced them. Dollar drafts at 4 PM are king, and if you can't understand why I want to treat you when I can buy you four beers for the price of one at 10 PM, we're done.
This also means that this year, I'm going light on the Christmas gifts-- I'm doling out small things (mostly, new hats, because they all need them,) from Italy that I bought for Christmas presents for my best guys way back when I left la bella Italia in May, or lending out books to friends that I think will interest them. Alli and I decided we obviously love each other enough without having to prove it with gifts. A girl's night out is the method of choice for holiday cheer with my girls-- nothing says "holiday love" with your set like getting dressed up and drunk. And as for the romantic interest? My smitten-ness will have to be enough...for now.
Merry Christmas to you and yours-- be safe, have fun, make merry! And remember...no one ever went wrong giving the gift of great sex. And it's absolutely free! Amen!


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This is THE place for free scavenger hunt ideas.
Use them to create your own scavenger hunts.
The sky is the limit.
Add your own ideas and tailor your hunt for your audience!
I have brainstormed several lists of scavenger hunt clues that you can mix and match to create a hunt that is specific to your audience. The links below will take you to several different lists of items that will get you started. This is by no means a comprehensive list, but it is meant to help you along the way in your brainstorming process. I will continue to add clues as I receive feedback from site visitors. Be sure to weigh in and add your scavenger hunts here!
Check out this scavenger hunt list of items found outside.
Or try this alphabet hunt list of outdoor scavenger hunt items. (Alphabet scavenger hunts can be a lot of fun as you can assign point values to each letter if you want to make it a contest.)
Around the house:
Check out these scavenger hunt lists of items found in the house.
At School:
Check out these scavenger hunt list ideas for the classroom.
Outside the Box:
Fun and crazy scavenger hunt lists to get you on your way to creating a wild and zany game for your group.
Funny scavenger hunt items to add a bit of spice to your list of clues.
Please contact me if you have any other lists of scavenger hunt clues that you would like to see included here. I want this to be a resource that is helpful to everyone.
Do you have a free scavenger hunt list that you would like to have included? Let me know and we'll share it with our community.
Return from Scavenger Hunt Ideas to The Guru's Home Page


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Dear Insurance Adviser,
I'm 37, and my mom has lived with me all my adult life due to her low-income job. We purchased a home in both our names in 2009. After her retirement last year and given that she relies solely on Social Security income, I refinanced the home in just my name.
Our insurance agent said we didn't have to do anything with our home insurance policy since we are both on it. In other words, the home would still be covered. But I am now the only person on the mortgage. Should I worry since I'm not the primary on the insurance policy? If something were to happen to the home (for example, a fire), could the company refuse to pay for it?
Also, if my mother were to pass away, it would be financially difficult for me to pay all the bills (including utilities and insurance) by myself. So, should I purchase term life insurance for her? Is that even possible, since she's 67?
— Jennifer
Dear Jennifer,
Your agent is correct. The name on the mortgage has no bearing on how payment is made at home insurance claim time.
What matters is that both you and your mother are co-named on the face sheet of the home insurance policy (the "declarations" page) and that both your names are on the title. In the event of a covered claim — such as a fire — both of you would be named on the claim check, along with the mortgage company.
You expressed concern that you are not the "primary" on the policy. I assume by that you mean that your mother is named first. That order will not affect the payment of claims, either. But if it would make you feel more comfortable, just have your agent reverse the order. There's no charge for that.
You also are concerned about being able to make house-related payments if something happens to your mother. Yes, a 67-year-old person in good health can buy life insurance — either term or permanent.
But I have a concern for you. If it would be hard for you to pay the bills by yourself, imagine if that were your mother, whose sole source of income is Social Security. She probably would have no chance of making the payments on her own. But here's the good news: Life insurance for a healthy 37-year-old is extremely inexpensive — especially compared with the cost for a 67-year-old.
Work with a life insurance professional who can help you figure out the best options for both you and your mother, considering your limited budget.
Good luck!
Compare homeowners insurance rates to find the best deal.
Ask the adviser
To ask a question of the Insurance Adviser, go to the"Ask the Experts" page and select "Insurance" from the drop-down box. Read more Insurance Adviser columns.
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More On Home Insurance:


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Senate to vote on bill to prevent insider trading on Capitol Hill
Ahead of a Senate test vote Monday on a measure to prevent insider trading among members of Congress, co-sponsors are hopeful the bill will "set a legislative speed record" to become public law.
The Stop Trading On Congressional Knowledge (STOCK) Act, the response to reports that party leaders and committee chairmen may have benefited by investment transactions made while legislation was pending, was introduced on Nov. 15, passed committee on Dec. 14 and will be voted on Monday.
In a statement Thursday, Sen. Scott Brown, R-Mass., a co-sponsor of the bill, with Sen. Kirsten Gillibrand, D-N.Y., credited President Obama for pushing for the bill to get off Senate Majority Leader Harry Reid's desk. Brown said he approached Obama as he was walking out of the House chamber following the State of the Union address and explaining that the bill was ready for Reid to pull the plug
Obama can be heard on cameras that picked up the action, saying, "I'm gonna tell him to get it done."
"I thank President Obama for supporting my legislation and Leader Reid for granting my request for a vote," Brown said. "I hope the Senate passes the STOCK Act and sends a unified message to the American people that Congress is not above the law and will be held accountable."
The Senate version of the bill would make any member of Congress who violates the ban on insider trading liable to investigation and prosecution by regulatory agencies and the Justice Department. It also calls for new rules to be devised by House and Senate ethics panels to come up with additional penalties.
The House must still pass similar legislation, but Obama said during his State of the Union Address last week that he would sign the legislation if it makes it to his desk.
"Send me a bill that bans insider trading by members of Congress; I will sign it tomorrow," the president said to applause. "Let's limit any elected official from owning stocks in industries they impact."
Speaking on the Senate floor Thursday, Gillibrand said the objective was to have "a strong bill with teeth."
The STOCK Act will ensure "that members of Congress cannot tip off others with non-public information gained through their duties," she said.


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The Bass Anglers Guide - Linders on the Troll by Bill Siemantel
If we were going to play a game of name association it would start out something like this, Buck Perry (Spoon Plugging), Bill Murphy (Stitching), Bill Dance (the Tennessee hat), and then if we tossed out the name Al Lindner, he would have to be named as one of the most well rounded anglers for all species with small mouth bass at the top of that list.
If we were going to play a game of name association it would start out something like this, Buck Perry (Spoon Plugging), Bill Murphy (Stitching), Bill Dance (the Tennessee hat), and then if we tossed out the name Al Lindner, he would have to be named as one of the most well rounded anglers for all species with small mouth bass at the top of that list.
This last winter I was fortunate enough to have the chance to fish a number of days with Al. He was visiting his son Troy who now lives out here in sunny California. With the winter months of Minnesota getting colder than Al could ever remember, the vacation was timed perfectly for targeting cold-water Southern Cal bass.
You may not know, Troy Lindner and I have been tournament partners in several Southern California team circuits over the last year. During many our pre fishing days Al would go with us and would help us put our game plans together.
At the end of Al's stay he asked me to do a TV show with him. We started brainstorming about California fishing tactics and places where we could film on the water. Lake Casitas was shut down from the threat of mussels, and Castaic charges to make a film, which left Diamond Valley as a good alternative. After getting everything in place to shoot the show over at Diamond Valley Lake, Al and I started to talk shop about catching big fish.
Al asked questions about the big fish that lurk in the waters of Castaic Lake. His questions about these mighty green giants prompted me to ask him about his catches of large bass over his lengthy career. I was taken back a few steps when he said he has caught two bass over ten pounds with the heaviest just over 11 pounds. I couldn't believe an angler of his caliber had only caught two bass over ten, wow. The more I thought about it, the madder I became that I did not take the time to get Al out on the water to target some monster bass. In the big picture it reaffirms that the size of a bass is relative to the area that the fish might live. The passion of the sport is the stuff that really matters in the pursuit of a true trophy. This gentleman's desire and passion is what it should really be about, not a number on a scale that someone said a bass has to weigh to be a trophy. OK, it is still pretty cool to hit that magical 10-pound mark but don't feel bad for Al, I don't. The number of trophy sized Musky, Pike, Walleye, and small mouth bass that Al has caught are more than I can comprehend.
As we continued to talk my blood started to boil about the chance to hook Al into a lifetime fish; his time was running short because his vacation was near its end.
OK buddy, when I am home from the fire station and I think the time is right you have to get up here to Castaic ASAP. I could not even finish the sentence when he said "you give me a call and I will be there in 30 minutes with my boat ready to go"
Two days later after getting home from the station I could feel it in the air. I couldn't hit the redial fast enough to callmy friend. As he answered I just said, "Are you ready to catch a pig?" And his first reply was, "can my kid come along?" I do not know about you, but that is just to cool and I said to bring him. The only bad thing about that was the technique I was going to usewould only allowtwo guys to fish. I guess I was going to be the guide for the day.
Within 30 minutes (not breaking any speeding limits) they were at the lake ready to go. I stepped out of my truck reached in the back and grabbed only two rods, one box of big baits, and my camera case. They both just looked at me as if Iwas joking or I had other rods still in the back of the bed.
I think one of themsaidwhen I got to their boat was, are we trolling for trout? The two sticks I brought were my LamiglasXC807 big bait specials teamed up with two Shimano Triton Mark IVs spooled up with 18lb lead line. I just gave them a big smile and said let's go.
Within a few minutes I had both of them out in the water trolling 12" baits. You Bass Angler's Guide readers need to put this stuff in your memory bank.
Trolling has been a proven technique for ages andBuck Perry has promoted "SPOON PLUGGING" in his book that everyone needs to read at least once. The key to trolling is precision depth control with a complete understanding of structure layout and lure capability.
Here are my steps for long line trolling with lead line with the use of the trolling motor.
I put a seat up front in my Bass Cat so I can sit down and dial in the speed I need to make the lure run the way I want it to (better to see it two feet under the water to give you a better idea of what it is doing 30 to 40 feet deep 100 yards back).
Next, understanding your equipment is just as important. Many bass anglers don't know about lead line so here are some quick tips. The line has a continuous lead core that runs the entire length that is approximately 100 yards per spool, with 10 colors that change every 10 yards. It also has an approximate sink rate of 1 foot down with 2 yards out.
This is the sink rate when you are fishing for trout with small baits like a needlefish.
Big baits have different depth factors depending on lure design (billed or no billed baits), thermo clines and extreme water temperature change can affect the sink rate. So understanding these differences will help you when trying to hit the key spot-on area within your troll.
Now, to dial in the running depth of the lure for the speed you are going you will need to take several things into consideration. If you are using a billed swimbait that floats and you go fasterwith your trollingmotor thatwill drive you lure down, if you are using boot tail swim bait like a 8" Optimumthe speed and friction will drive your lure up in the water column. Let your line out, I call this "let back", a calculated distance of line behind the boat. Every line has different factors from fluorocarbon, mono, wire; to braid each one will be unique in its capabilities.
This is easier that you think, it just takes a little time going through the motions to get a feel for it. To figure depth control, locate an area of the lake with a uniformed depth.Then get your bait, maybe a billed bait like a MS Slammer, or a non billed bait like a BBZ-1, or a boot tail style (all have different features that either drive the bait deeper or lifts the lures as speed is increased as stated above) out behind the boat at a known distance.
The color change of the lead line helps, if usingmono orwire amarks alot pen or reel counter is the next best bet. So, say you are 4 colors out and your lure hits the bottom at 25', keep going at a constant speed for aminute or so. If your lure stops hitting the bottomlet somemore line out, if you start to drag the bottomand your lure is not deflecting properly then you are too deep, so bring some line in. I like 3 to 5 bumps on the bottomwith about a 4 second pause of free swimming before I hit bottom again.
After you have the right line, mark you trolling motor with a grease pencil and then glance at your fishing line for the right color. Remember that knowing how much line your reel takes up per revolution and understanding lure depth control with each lure you use will make you more precise when you move your lure up and down in the water column. Knowing this will help you hit the top of the ridge in 30 feet of water as you pass over it, or present your bait perfectly to individual fish you see on your graph, fish above or below moving schools of bait or pods of trout that the bass are keying on.
Similar systems can be used with mono,wire, planner boards, and down riggers. These techniques are deeply ingrained in the minds of the trolling anglerwho fish trout, salmon, walleye, and stripers. If it has worked for them for years thenwhy can't it work for us in the chase for monster bass?
All of this really comes into play is when you are working inside or outside turns around points, humps, ridges, flats, and creek channels. Whenever you move the boat from a straight pull of the lure the line will do certain things, for example the weight of the lead line will start to fall as you make your turn. To keep your line from snagging on the bottomyou have to increase the speed of your boat 2 to 3 times faster than your original speed. Once you have straightened back out you can drop your speed back down to the mark you made with the grease pencil on your trolling motor. Remember to watch your graph and look for hard bottom structure to bang your bait against or do manual directional changes at key locations in the water column to trigger the followers.
Now that you have the basics for a proven fish catching technique I should get back to the story at hand.
After trolling for about an hour, I went past an inside corner of a subtle break line with a very small point at one end, the wind was blowing just enough to make it hard for boat control. I noticed four or five really good marks holding 2 feet off the bottom in 25'; I remember looking back at my two friends with a wicked grin and I told them the next pass was going to be money!
It took me about 7 minutes to reposition the boat for the right approach, I told themthis is what we had to do on the next pass. We have to come in at an angle with the wind from 38' of water and I would go past the tip of this point 50 yards, this is going to put the boat in 6' and should have the lures right around the 25' mark. This is basic BBZ mindset on working "uphill", creating a "funnel", and then doing "directional change". Then when I hit my "trigger point" (another mental calculation on "let back", how far is your lure behind the boat and at what point do I need to increase my speed and make my turn so I do not drive the lure into the point and get stuck, that is my "trigger point").
I will have to kick the boat hard right and put it on high to keep the lead line from catching the bottom and to get the perfect "course change" (changing the path of one's bait at key structure or cover elements, creating the ultimate "illusion of realism") of the lure right at the tip of the point. As we made the hard right hand turn I told them it should take about 20 seconds for the line to tighten up and then they should start to feel the big bait hitting the bottom. Well I was off a little because it took about 30 seconds and both the father and the son said at the same time that they could feel their lures bumping bottom.
Then there was a moment when nothing was said but the boat rocked hard side to side. Iwas hoping that one of themgot hooked up and as I turned around both of their rods where doubled over. Yes it was a double hookup on the troll; now you have to remember that the purpose of the trip was to get Al into a personal best bass. Well as Murphy's Law would have it, Troy was the one that hooked the bigger of the two fish.
To say these guyswere a little excited would be way off mark. I have never seen two guys jumping back and forth trying not to tangle the lines of both of the fish they were fighting, screaming and laughing like these where the first bass they have ever laid a hook into.
The Lindner's were out of control but totally in charge of the fish. The funny thing is that even though Troy Lindner is a professional sports trainer and is in better shape than most of us, I had to laugh a little watching him getting out of breath with that little green fish at the end of his line (OK, it was a big fish).
After netting Al's 7 pounder I emptied the net as fast as I could and scooped up Troy's big bass. At a whopping 11.50 pounds, Troy's bass surpassed both his and his father's largest bass to date.
With a handful of photos with Al and Troy I could truly see the love in Al's eyes being in the boat with his son and watching him catching a fish of a lifetime.
I know if that weremy Dad and I, my Dad would be the first to say I just got lucky or he let me catch that fish because he did not want to hear me complain on the drive home. I felt bad for Al and I told him I was sorry for him not catching her, Troy and I are tournament partners and we will have our time on the water.
He looked right atme and said, "We not only got a double hookup trolling big baits, but I was here with my son as he caught his biggest bass of his life.Bill, this ismore than I could ever ask for, and it is A Day I Will Always Remember" Al Lindner.
Take care and Keep it in the BBZ
Bill Siemantel's Accomplishments: Co-author BIG BASS ZONE (BBZ- the book), Bassmaster Tournament Winner, Lure designer and Inventor, Fishing Educator.


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We know the secrets Enogastronomy. And we want to share with you. We will help you successfully combine any dishes and wines.
Wine - not just a companion, wine - an essential ingredient for the preparation of these culinary masterpieces. Enogastronomy - not just a set of rules for the use of wine with food, and authentic culture of refinement and taste the real art, which is a rich bouquet of components in different combinations, art, brings unique experience and emotion.


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Color: Pale yellow
Nose: Tropical and citrus fruit
Taste: A slight tinge of oak, though I doubt it ever spent time in a wooden cask of any sort. It has a nice balance of acidity, fruit flavors, and that "oak" thing. Light bodied.
Summary: I started shopping at Trader Joe's way back when. They have always carried great deals on wines, especially Chilean wines, though their selection is fairly limited. This is a great value in a light chardonnay. Perfect light summer wine with salads, seafood, or crackers and cheese!
You can't really go wrong with this one.
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Commonwealth Skateboarding is a gritty 4,500 square foot indoor concrete skatepark hand-built in 2011 by Jennifer Sherowski, Lance Normine and Evergreen Skateparks in an old stone-cutting warehouse just off of Hawthorne Boulevard, in the heart of Southeast Portland.
In 2013, inspired by a desire to open up a sneaker-centric skate shop in Portland, footwear designer Matt Collins and some friends had the opportunity to acquire Commonwealth. They remodeled the storefront and gallery space into a full-service retail skate and sneaker shop. Commonwealth also offers lessons, even rentals and skate camps.


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Special Olympics Pennsylvania Summer Games Special Olympics Pennsylvania Summer Games
Here's a sample of our volunteer opportunities:VIEW AS
Mission Statement
Our mission at the Special Olympics Pennsylvania Summer Games is to provide courteous and enthusiastic service to athletes, coaches and thier families while they participate in the annual summer games.
Volunteers are the backbone of Special Olympics Pennsylvania. We could not exist without the dedication of thousands of Pennsylvania citizens. The time and energy of volunteers fuel our movement and make our athletes' dreams a reality.
The Special Olympics Pennsylvania - Summer Games are held each year on the Penn State University Park Campus located in scenic State College Pennsylvania.
The 2007 games are being held between Thursday morning June 7th and Saturday evening June 9th, 2007.
Over 2,000 volunteers are needed each year to help with responsibilities which can include:
- Scorekeeping
- Timers and judges
- Athlete Escorts
- Ball chasers
- Set-up and Tear-down of venues
- Administrative Tasks
- Specialized emergency personnel
- Working activity booths at Olympic Village
There are volunteering opportunties for all ages and abilities. Groups are also encouraged to volunteer together.
This information
Might be out of date
Do you work for this organization?
Request administrator status and update its information!


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Circle Necklace Multi Matt Gold
Circle Necklace Multi has 9 gorgeous rings asymmetrically attached to the chain. A lovely necklace that is brought to life when paired with earrings. Circle Necklace Multi comes in several colours and is seen here in matte gold plating.
Diameter 15 mm, 9 rings, length of necklace 88 cm, openable. Matt gold plated stainless steel. Nickel safe.


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Founded in 1990 Racing Green is a stylish British brand. They offer a range of contemporary, but elegant mens wear. Racing Green is quintessential British Tailoring helping individuals stand out from the crowd.
You might have come across Racing Green in many of the many popular retailers. Debenhams are one such retailer which stock the latest Racing Green collection. Racing Green offers contemporary casual clothing and formal wear for men. The brand fits perfectly into the lifestyle of the British man.
About Racing Green
The name comes from 'British Racing Green' – a colour adapted and made famous by the British motor racing team in the 1900s. The British reluctantly accepted green as their racing colour, following the other teams taking red, white and blue.
Racing Green offer simple but stylish clothes, their clothes range from formal suits through to casual knitwear. Using British heritage to create an array of timeless pieces their clothing is perfect for all ages.
The Clothes
Be sure to check out some of Racing Greens clothing, a particular favourite of mine is the bomber jacket which can be found in the jackets department of Debenhams.


text: We had the chance to shoot another interesting assignment for Scholastic this month, a cover photo for their story on football injuries that ran in Scope. We met Isaiah, who quit football to run track after sustaining a severe concussion his freshman year. You would never know it, but it was about 5 degrees out when we shot this but Isaiah handled it like a pro, even after he changed into his track outfit.


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Studio #87
My paintings are inspired by my personal connection to nature. I love getting lost in my creativity and sharing my work with others. I discovered art in my retirement, you are never to old to start something new, and love growing as an artist. The creative environment allows me to push myself to always learn new techniques and to see things in a new way.


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Things you may not know about Alistair Cockburn/
As you probably know, Alistair Cockburn is an original signatory to the Agile Manifesto. He is also the creator of the "Heart of Agile" framework, his take on "scraping away…decorations" that have built up on top of the basic principles of agility. You probably also know that he likes coming to Australia, and we have been lucky enough to have him here several times, although unfortunately he can't be at 1st in 2018.
We thought it would be interesting to find out a few things about Alistair that are a bit less well known, in the short video (3:30min), above.
This is the first part of a series of 6 videos that will be published in the next few weeks. We hope it helps you understand why 1st Conference is structured around the Heart of Agile, give you some tips on how you can use Heart of Agile, and help you think about how you could get the most from coming to the conference.
The series will include:
- Things you may not know about Alistair (this video)
- 4 words to help you to enable greater agility in your organisation (link)
- Using Heart of Agile for self-education (link)
- How Heart of Agile can be the bridge to organisational agility. (coming on 10 Jan)
- An exercise that can drive collaboration (15 Jan)
- Alistair's advice on how to get the most out of 1st Conference (17 Jan)
The entire, unedited version will also be made available.
If you aren't already coming, here is where you can…
A quick summary of this video:
- Alistair started off as a Hardware Designer, he comes from a Computer Graphics background.
- His formative role was to create and teach a methodology for Smalltalk & C++ developers and after nearly a decade of doing this and refining his art, he was then one of the people who co-authored the Agile Manifesto.
- After a decade traveling around helping increase its adoption, he realised that there needed to be a further simplification of some sort. This is how the Heart of Agile came about.
- Now, Alistair lives a life with a suitcase and 2 backpacks and he travels around as what would've been called a "Bard" in the old days. He travels around and tells stories of the values and roots of ideas and shares stories about companies that he sees who are doing great things to try and encourage people to grow and adapt their own ways.
- He's lived his whole life in different societies, countries and cultures. Over his career, Cross-cultural collaboration is his hallmark theme.
If you liked or have feedback on this story and interview, feedback helps me develop content that is better for you. Please reach out!


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Graphic House
Momi Cazimero
The people of Hawai'i Island
The Design Problem
My brother, Officer Ronald S. Jitchaku was killed in the line of duty on May 7, 1990. The tragedy prompted me to research how fallen officers were honored. In one county I was shown a metal "floor tent" with predrilled holes in the lobby of the police station. In another county, photographs were displayed on a bookshelf in the chiefʻs office.
My inquiries about a police memorial led me to Sister Roberta, a reserve officer and chaplain with the Honolulu Police Department. I shared my disappointment at the lack of appropriate respect and public tribute. She, in turn, encouraged me to fill that need—suggesting it was the Lordʻs calling that I create a memorial.
In the ensuing years I received support and encouragement. I was also given stern warnings of "good intentions wrongfully directed" because a public monument would be targeted and vandalized. I could not dismiss the latter warning as my brotherʻs cross that was temporarily placed at the site where he was killed was vandalized.
In my attempt to resolve the constant tug of emotional uncertainty, I pondered the reasons we create monuments and the higher purpose they fulfill.
I was moved to write the following:
Memorials are historyʻs messengers of our values.
They are the silent sentries of our aspirations.
Memorials provide a lasting legacy of our humanity and sacrifice.
They bridge our immortal ties with greatness.
Those words resonated with me thus strengthening my resolve and confirming the greater purpose.
Building a police memorial is a community obligation. A police memorial stands in judgment of a community in measuring the value they place on sacrifices made in their behalf—where the price of peace is oneʻs life.
On May 16, 2016, the police memorial was dedicated in Hilo, Hawaiʻi.
The Design Solution
In Memory of the Ultimate Sacrifice
of our Fallen Officers.
Poina ʻOlE
( We will not forget)
The police memorial is titled "Ka Malu Aloha" and translates "The Shelter of Love". It affirms the message—"As the police in their lives shelter us with aloha; we now shelter their memory with our aloha."
The walls are a physical manifestation of the embrace of Aloha. The memorial provides a place for individual reflection and consolation, and will also accommodate public, ceremonial gatherings.
Police officers are referred to as "The Thin Blue Line". At night, that symbolism transforms the memorial into a spiritual sanctuary, with the thin blue light imbedded between the granite header panel and the panel of tribute to officers killed in the line of duty.
Law enforcement was created for our protection.
We do not need to carry weapons because they do.
We do not live in fear because they assure our safety.
We do not live in chaos because they bring order.
Our police officers are the thin blue line between us and harmʻs way.
KA MALU ALOHA is the Shelter of Love that will embrace ALL who have sacrificed—officers and their families—in perpetuity.


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On this day in 2014, my Yes And Coaching, LLC became official with the State of New York. It's been a long three years with a lot of personal and professional ups and downs but I'm feeling strong this morning. I have a new niche I'm introducing to the brand and I'm seeing so many interesting pieces fall in line.
One of the biggest lessons I've learned (and it was said to me many times, in many different ways), is that building a business takes time. It's not an overnight activity despite how eager you are to put the work in. There are things things that must evolve as a process. You can't avoid them and yet they are the things that will be the most transformative.
Today, on this anniversary, I say thank you to all of the set backs and all of the no's because they have lead to me to where I needed to be; which is right here, right now.


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To continue with more of my previous blogs on UKIP. This one is from November 6th 2009, a time when the UKIP leadership elections were taking place and Gerard Batten was hoping to succeed Nigel Farage.
Gerard Batten is Best, Forget the Rest
Fellow London MEP Gerard Batten is apparently campaigning to succeed Nigel Farage as leader of the United Kingdom Independence Party (UKIP). The site set up to support him is interesting to say the least.Yesterday there was a post arguing that Gerard Batten's attempts to cover up fraudulent spending of European Union monies did not matter, and there was no need for an investigation. An unusual position for a party which claims to be against the misuse of EU monies.However, like Ashley Mote and now Tom Wise, Gerard does not consider that laws apply to him. Gerard is a man who does not believe it is in the British character to play by the rules, and pay your taxes. He is refusing to pay his television licence.
Let's return to his campaign website which reads a bit like the diary of Adrain Mole aged 55 and 3/4. Schoolboy politics might provide a slogan like "Forget the rest and vote for the best." In the unlikely event of a Batten victory how will Gerard create a leadership team of all the talents other UKIP MEPs?
Gerard's leadership blog certainly likes a bit of Viz style humour, commenting on the recent Exeter UKIP leadership hustings, the verdict is juvenile: "Pants to the rest, Gerard is the best!"
Let's hope this blog is written by an over enthusiastic supporter of Gerard's.
Looking at his official website there is no mention of his campaign for Leader. Google "Gerard Batten" and Leader in news, and you find that the BNP have been writing to Gerard as the kind of person they think would like to donate to them. Why would this be?
Look at Gerard's website, it is a place where a BNP supporter would feel at home. Let's start with his article "The Myth of Multiculturalism" which starts
"THE MYTH of multiculturalism depends on the belief that completely different cultures, and indeed contradictory world views, can peacefully co-exist within the same geographic and political space."
Gerard represents London, he doesn't seem to have noticed there are people with lots of differents beliefs in London. We all manage to rub along together. Londoners are pretty tolerant people, we even manage to put up with UKIP MEPs.
How about Gerard's views on immigration? He's written a 4 page pamphlet on the subject with the title "Enough is Enough"?
Then there's his article in Freedom Today The Islamist threat to freedom where he talks about his regard for far right Dutch politician Geert Wilders (who Gerard is pictured with above).
You can begin to see why the BNP might consider Gerard Batten would want to support them. Let's turn back to the intellectual masterpiece that is the "myth of multicultalism" article. This says in language strikingly like something Nick Griffin might say: "The British political and intellectual elite have not only thought that multiculturalism is highly desirable but they have spent the last fifty years actively bringing it about."
Who could Gerard mean? How about current UKIP leader Nigel Farage? He's married to a German. Yorkshire UKIP MEP Godfrey Bloom? He's married to a Pole. Even the Queen married a Greek. That's right Gerard lots of British people are marrying foreign people, and I think love is wonderful, but you want to stop it?
Often when I write about UKIP members misbehaviour I receive notes from UKIP members complaining that they are decent people, and are unlucky to have so many people of bad character in UKIP. The other possibility is UKIP attracts people of bad character, discuss.
Looking at Gerard Batten's record shouldn't UKIP be investigating him rather than considering having him as a party leader?
Now that Tom Wise has admitted his guilt to expenses fraud, shouldn't questions be asked as to why Gerard Batten defended him and tried to excuse Tom Wise's fraudulent misdemeanours?
Surely any mainstream political party expects their representatives/leaders to pay taxes like the television licence fee?


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What do I use to capture those candid moments of infants, babies, toddlers, kids and parents at home or at play in the park? I prefer to shoot with the Nikon D800. This is a 36.3 megapixel FX-format HD-SLR [ … ] Read More
Tag Archives: pro photography
My Advice to Photography Students Overwhelmed by Photo Equipment Costs
When you're just starting out, you may have a good camera body with a growing number of lenses and filters. Beyond a remote shutter release and a decent tripod, how can you afford to be a gear-ready photography student [ … ] Read More
My Journey into Professional Photography
Smiles have always been my thing, but I haven't always been a paid photographer. While I've always been the go-to amateur photographer for my own family reunions, social clubs and school events, I haven't taken photos professionally until recently. [ … ] Read More


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The impressive roofs of Smithfield General Market would be retained as a fantastic canopy and creating a beautiful light-filled interior. The scheme makes available large areas, at multiple levels, without the addition of intrusive blocks. The very extensive basement areas are brought into use as spaces for exhibition galleries, fashion shows and lecture halls.
Marcus Binney, the President of Save Britain's Heritage, says "The Smithfield quarter, like Covent Garden before it, has come to life thanks to natural regeneration as small businesses have colonised every vacated premise in the streets around the market buildings. This is creating one of central London's liveliest districts, full of both traditional character and new life. Wake up City planners and Alderman! Smithfield Market ranks as one of London's chief public spaces that could be serving the city and its visitors, as the capital's newest hub."
See the full details of the SAVE/BFF scheme here


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3-Dimensional Graphic Organizers
These interactive 3-D graphic organizers, coined Foldables by Dinah Zike—who is known for inventing and developing these hands-on manipulatives, are three-dimensional study organizers used by teachers, parents, and students of all ages everywhere. Foldables can be used for note-taking, student-directed projects, study organizers, alternative assessments, and more, and can include graphs, charts, tables, diagrams, images—the possibilities are endless. The making of these organizers is fun and they can be used in any subject in your child's curriculum. We've put together a few of our favorite resources below.
Websites Offering "HowTo's" and Printable Templates
United States History: Connecting the Past to the Present was developed by the Virginia Department of Education to support the Standards of Learning for teaching United States History to 1877 and United States History: 1877 to the Present. Here you will find instructional activities using foldable templates that were modeled after the folding techniques of Dinah Zike along with example photographs.
Catawba County Schools offers printable PDF files for making shutters, matchbooks, envelopes, layered books, shape and accordion books, charts and tables, lapbooking, door folds, tri-folds, and vocabulary books. Just right click on a section and save the file to your computer to view.
Get in the Fold! is a helpful blog that teaches concepts through wonderful children's literature and Dinah Zike's amazing Foldables® .
See also: Foldable Organizer Templates.
A Few Books We Recommend
Super Social Studies! Quick & Easy Activities, Games, and Manipulatives. This book is divided into three sections: Map and Geography Activities, Timeline Activities, and Research and Reporting Activities. This great resource has 50 creative, hands-on activities including games, puzzles, step and pop-up books, mobiles, trioramas, paper chains, and more. (Grades 4-8)
Books Don't Have to Be Flat! Innovative Ways to Publish Students' Writing in Every Curriculum Area. Includes 10 exciting activities to correspond to the months in a traditional school year. Learn to make baggie books, a story-in-a-can, box books, and hanger books to name a few. Includes ideas for using these activities across the curriculum, as well as a special thematic unit--Children Around the World: A Multicultural Study--that demonstrates how you can fit these individual activities into a complete unit study. (Grades 3-6 )
Social Studies Foldables™ by Dinah Zike. This book includes an introduction to Foldables, folding instructions, and social studies topics ideas divided into three categories: General Social Studies Topics (Grades 1--4), United States History Topics (Grade 5), and World History Topics (Grade 6). Each category includes lists of activities you can use to augment your lesson plans. (Grades 1-6)
Dinah Zike's Teaching Science with Foldables™ This book includes an introduction to Foldables, folding instructions, and science activities using foldables divided into four categories: Physical Science/Physics, Astronomy, Earth Science, and Life Science/Biology. There is no recommended grade level specified on this book, however we feel the topics covered are mostly appropriate for middle and high school students.


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It's impossible to grow up without picking up any unhealthy patterns, regardless of how great your parents were. We all have some bags that need to be unpacked and put away. Here are 7 great reasons to stop stuffing your issues and get healthy!
- If you don't take care of your issues, you will pass them on to your kids and grand kids.
- Your marriage relationship will go to a level you've only dreamed of when you see things with a clear perspective.
- Living with stress and turmoil on the inside will make you physically ill.
- Being spiritually, physically, and emotionally healthy makes it possible for you to do your part in bringing heaven to earth.
- Jesus paid too high a price for you to keep living below your potential.
- As you humble yourself (embracing vulnerability) God will release grace to you.
- You can travel faster in peace than any other way!
I would love to hear any more reasons you can think of.
You can reply with a comment to get the conversation going!
I recently bought an air fryer. So many people asked me about it, that I decided to make a video review. Check it out!


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Earnings: Vivendi Finds Money In Music, NBCU Drags, 'Record' Games Profit
French multimedia conglomerate Vivendi (EPA: VIV) scored 4.95 billion ($6.24 billion) EBITA in its 2008 full-year - that's 5.6 percent more at constant currency rates - thanks to 18.3 percent better sales of 25.39 billion ($32 billion). As a result, the company announced a 7.7 percent higher dividend than last year of 1.40 ($1.76)...
Universal Music Group: Recorded music sales are still shrinking, down 4.8 percent at constant currency rates. But 31 percent better digital sales, driven by online income in "all large countries" and mobile music outside North America, helped UMG pre-tax profit up 11.6 percent to 686 million ($864 million), on 0.2 percent worse sales of 4.65 billion ($5.86 billion). Digital wasn't the only contributor - music publishing, artist services and merchandising helped, too, after UMG bought BMG Music Publishing and Sanctuary in 2007, proving there's still money to be made in areas other than recorded music.
NBC Universal: Vivendi pulled 255 million ($321 million) from its NBC overseas TV venture - that's 46 million ($58 million) less than last year, half attributed to a performance dip and half to the dollar's decline against the euro.
Activision (NSDQ: ATVI) Blizzard: Having amalgamated Vivendi Games with Activision, the new unit reported pre-tax profit of 34 million ($42.8 million) on 2.09 billion ($2.63 billion) sales. The operation was only combined for part of the year in question, but Vivendi still calls this "record results" for the combined entity. Just look at its influence, World Of Warcraft added 1.5 million subs in 2008, taking it up to 11.5 million; Activision Blizzard had four of 2008's top 10 games by sales and, in Guitar Hero and Call Of Duty, two of the top five franchises in North America and Europe.
Canal+: The French pay-TV outfit scored 568 million ($716 million) pre-tax profit after its merger with satellite system TPS, on 4.4 percent better sales of 4.55 billion ($5.73 billion). Bucking the trend, Canal cited higher TV subs and "increased advertising revenues in an adverse economic climate" as helping its domestic operations to 2.8 percent better sales.
SFR: The telco's sales rose 28.1 percent to 11.5 billion ($14.4 billion) after it swallowed Neuf Cegetel and Tele2's broadband business. Otherwise, it's up 1.2 percent thanks to growing mobile and broadband customer base - SFR got 32.1 percent more money from mobile and the new Neufbox broadband box helped SFR grow its broadband base by 7.7 percent.
By Robert Andrews


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Life is Full & I Am Blessed!
14 Comments
Wonderful blessings.
Have a happy new year!
good times! I'm excited to hear your goals! I need to start thinking of mine…
Looks like it was a wonderful Christmas morning. Merry Christmas and wishing you the best in 2010. I also extend that wish for everyone everywhere.
What wonderful family memories. Glad that your Christmas was a good one. Wishing you a blessed New Year!
Do they still have the tubing hill open from the Olympics? We were there in 99/2000 New Years and rented tubes to go on the hill. It was such fun!
Merry Christmas to you and your family. It sounds like you had a fun weekend. I can't wait for the new year. I am so full of excitement for the next year! :)
Looks like you had a super wonderful Christmas with your awesome family! I hope you had a very happy Christmas! And Happy New Years!
Sounds like some wonderful memories were made. Look forward to what you are doing in the new year.
I'm anxious to see what you'll be up to in 2010. Happy New Year!
I'm so excited for the new year, can't wait to hear what you have in store. :)
We got Connect 4 too – 2 different ones…one you can play with 4 players! Glad you had a wonderful Christmas – Happy New Year!
Sounds perfect. I grew-up going sledding at Mountain Dell! I love that place. Enjoy this fun time! (Sorry about the hair in the train wheels though. Poor girl!)
Oh, the spiral speedway! We loved that! Years of fun in store!
I hope you had a lovely Christmas! Connect 4 was one of my favorite childhood games.


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WOW Philippines Travel Agency in Pasig City, Ortigas Center, Metro-Manila is one of the Philippines most trusted and respected travel and tour companies since 2005, providing tourist with complete Philippines packages to top destinations like, Boracay, Bohol, Palawan, Cebu, Camiguin, Davao, Puerto Galera, Tagaytay, Baguio, Banaue, Vigan and Manila.
We are duly registered with the SEC (Philippines Securities and Exchange Commission) located in Pasig City, Ortigas Center, and we are licensed through the Pasig City Department of Tourism Authority, which affords us the opportunity to provide our clients with both tours and travel package deals for any destination located within the Philippines 7,107 Islands.
Here at WOW Philippines Travel Agency in Manila we employ college educated individuals with a degree in travel and tourism, our travel agents are well trained and have traveled to many of the Philippines destinations that we offer, this separates us from much of our would be competition. When you book a travel and tour package it's really important that you work with a travel company that has years of experience and travel agents that can provide you with 24 hour 7 day a week service, and that is exactly what we do here, after all service is our only business.
Why Choose Travel Agency in the Philippines?
We are owned and managed by an American businessman, Rick St. John who is from Raleigh North Carolina and is married to Mary Jane Bangga a Filipino from Aklan Province on Panay Island, located next to Boracay Island. From the beginning Rick and Jane went with the belief that if you create a fantastic Philippines package, with many added features and you offered it at an excellent price, then tourist and locals alike would choose us over the larger corporations, and we were right. Today travelers would really prefer to deal with a family owned and managed travel agency, since we can offer personal one-on-one service.
- We employ only professional and college educated travel agents with a degree in tourism.
- We are one of the most respected and trusted travel agencies in the Philippines.
- We have been featured in the Philippines media by multiple television and radio outlets.
- 1st travel agency in the Philippines to list over 300 Boracay Hotels & Resort with pictures and video.
- We accept payment terms in the form of, Credit Card, PayPal, Bank Transfers, Western Union, and Cash
- Our office in Pasig City, Ortigas Center is open Monday thru Sunday from 9am to 7pm, 7 Days each Week.
- We list our travel and tour package rates on our website, NO EXTRA CHARGES, NO HIDDEN FEES.
- We provide pictures of our Filipino travel agents in all our website contact pages.
- We provide the, BEST RATES, MOST PACKAGE FEATURES & BEST SERVICE, GUARANTEED!


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We'd like to extend a huge thanks to all the folks that came out to our second pairing dinner, Summer's Bounty! Teaming up with Schaner Farms to put together a fresh, farm to table menu featuring seasonal fruits and veggies was a load of fun and yielded some awesome results.
For the first course we paired our Struggle Bus Pale Ale with fresh, local yellow tail with wasabi avocado puree, pickled shallots and house-made citrus ponzu sauce.
Chef Brad putting the finishing touches on the Heirloom tomato gazpacho that we paired with a refreshing Tom Collins and our german-style kolsch, Of Kolsch!
Next up was pan roasted Halibut with chili spiced summer squash and cilantro cream sauce. This dish went perfect with our Paloma which featured Arette Represado Tequila and fresh squeezed grapefruit juice.
Pete Schaner spent a bit of time talking about the drought and it's impact on his livelihood, what we see in stores available for purchase and also the flavors we're tasting in locally grown produce.
Delicious smoked pork belly waiting to be plated with the swiss chard ravioli for the fourth course.
Some folks enjoying the final course featuring a donut hole trio with citrus creme anglaise and candied zest that was paired with a Kumquat Daiquiri.
Events like Summers Bounty help us really connect with our guests and showcase the talents of our kitchen, brewing and bar team and above all express our creativity in new ways. We plan to continue to do these intimate pairing dinners in the future, but they do sell out fast so please make sure you're on our mailing list so you don't miss out!


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Johan's Joe prides itself on moist pastry, but not this moist.
The pastry chef at the Swedish-style cafe opened up shortly before six this morning to find two to three inches of water throughout the 3,000-square-foot shop at 401 S. Dixie Highway.
According to General Manager Melissa Wood, a pipe burst under a sink, spreading water through the back and front hallways and dining area.
"It was a mess when we got there," Wood said. "Our pastry chef came to open the place and she called me pretty stressed out."
The downtown cafe is closed for the day but will reopen tomorrow. A restoration company is hard at work with mops and industrial fans and vacuums. The furniture's out on the sidewalk.
Johan's Jӧe Swedish Coffee House & Café opened in Sept. 2015.
The shop boasts a custom blend of Sweden's most ethical and environmentally friendly coffee and tea from Löfbergs Lila, as well as Scandinavian baked goods, croissants, pastries, muffins, bagels, gourmet sandwiches, salads, soups, and breakfast and lunch options.


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Our updated Scroll of Resurrection campaign is well underway, and many players are taking advantage of this opportunity to bring friends and former guildmates back to the game. We've noticed that many of you have questions about how the program works. We're here to provide answers, and one of the ways that we're doing so is with this pair of quick tutorial videos. The first is for those of you who are sending Scrolls of Resurrection, and the second is for those receiving them.
We hope that you find the answers to your questions about the Scroll of Resurrection in the videos above, and quickly get underway bringing old friends back to Azeroth, while earning exclusive rewards. Feel free to discuss the videos in the comments below!


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Vietnam Stocks Emerge From Slump
Overhauls Pay Dividends as Peers in Developing Economies Struggle
HANOI—When Vietnam's decadelong economic boom ended in 2009, Nguyen Huynh Diep lost about $50,000. A novice investor in the country's stock market, Mr. Diep said he saw the value of many of his holdings slump.
Now, though, he is back on the trading floors of Hanoi's stock brokerages, picking up bargains when he can as Vietnam's economy begins to heat up again after a long and often painful thaw. "The market's back up this year," the 40-year-old Mr. Diep said. "And I keep buying more stock."...


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Message to Parents
Dear Parents,
What are the practices or values of Jewish life that have meaning for you?
How did they become important to you?
What is your relationship to the State of Israel and what are the guiding principles that help you make important decisions in life?
Our Hillel provides students the open environment to explore their Judaism and delve deeper into questions like these by creating a pluralistic, welcoming, and inclusive environment where students can grow intellectually, spiritually, and socially. Located amidst one of the largest Jewish communities in the world, our Hillel and community partners are committed to educating our students while providing them with support in overcoming any obstacles they may experience while on campus. We are building a vibrant and dynamic Jewish present and future – and it is exciting!
As a parent, you have spent years guiding and nourishing your child. The time has come for them to select a college and begin a more independent life, and we welcome you, your family, and your student to the Hillel of Broward and Palm Beach Community!
We welcome your involvement and need your support. Should you ever have any questions or concerns, please do not hesitate to call our office at 561-297-4100 or contact our Executive Director, Adam Kolett, at firstname.lastname@example.com.
Thank you for trusting us with your child.
-Your Hillel of Broward and Palm Beach Team


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Fat shaming unfortunately continues to be a socially acceptable form of bigotry around the world. For the past 4 years, photographer Haley Morris-Cafiero has responded to this photographically, turning the hateful comments, glances and gestures into impactful self-portraits. Morris works with an assistant in large crowds, capturing strangers as they mock her and uses her camera to reverse the power they may think they have.
Last year, Morris-Cafiero's work went viral through dedicated articles on Salon, Huffington Post, Feature Shoot, Lens Scratch and other high traffic blogs. While much of the response was positive, she received numerous disparaging comments, in many cases verbalizing the hateful gestures captured in her initial photographs. Instead of letting this slow her down, Morris-Cafeiro used the comments to create new images in 2014, allowing her to have the last laugh. The Magenta Foundation will publish a monograph of the series this coming year.
Morris Cafiero is currently raising funds via Kickstarter, which we encourage our readers to support.
In support of the project, we caught up with Morris-Cafiero to learn more.
Humble Arts Foundation: You've received a great deal of positive response to your work, but there has also a swarm of hateful comments from online trolls. How did these comments influence the most recent work in the series?
Haley Morris Cafiero: Before my photographs were written up last year, I had read the occasional comment section and got angry at the world. But when the commenters started talking about how ugly my face, my body and my clothes are, it made me laugh hysterically. I know that is a strange reaction, but to think that someone wastes their time to write something that has no influence on how I think about myself is hilarious. So when so many of the commenters said that I needed to 'lose weight and get a make over,' that was the visual cue for what I needed to do next in my photos. In the original photos I was the "everyday girl passively doing everyday things." Now I will respond by happily engaging in what they want me to do to improve myself to see if I am surrounded by what could be called critical or questioning gazes. They are more costumed (I don't wear spandex) and I take on a role of being happy while trying to make myself better.
HAF: What was the most positive or moving response you have received so far?
HMC: I have received quite a few really deep and almost private/confessional messages of support from people. But probably the most recent impact was this one:
"I have been really depressed lately and I was crying about something completely unrelated as I read about your inspiring stop fat-shaming campaign. Your pictures highlight a huge societal issue of epic proportions but the fact that you have the courage to do what you do is amazing and it made me feel so much better. I can't say I relate as a 125 lb. 16 year old male high school junior, but I can have compassion for the cause. Also, despite what society may say, you are beautiful and I don't say that without meaning. Anyway, thanks for cheering me up! "
I don't know if its because of his age or his honesty, but it just made realize how what I do can impact someone. That was never the goal when I started 4 yeas ago, but if my photographs can help someone miles away when they are feeling low, I am honored and fueled to do more. His message made me see myself when I was a 16 year old and hating myself.
HAF: That's amazing. You've made pictures in various locations in the United States, as well as abroad. Do you notice any differences in peoples reactions/ expressions in your photographs?
HMC: Yes! For at least 3 years when I was photographing, I would never catch the gaze of any young women age 15-25ish. At least 5 times while shooting, I have heard young women make fun of me. No question. But when I look at the images, the young women look like they are talking to their friend. So when I started traveling to countries where English is not the native language, I started capturing more of that age group. It may be coincidental, but it was definitely a trend that I noticed.
HAF: How did the book project come about?
HMC: When I saw the impact that the images had on people, I knew that the project needed to be a book. Most of the people who reacted so strongly to the images will not see them in a gallery or a museum and seeing them online doesn't give a personal experience. If they are printed in a book, then people can hold the images and see them they way that I intend them to be seen.
I am thrilled to be working with the Magenta Foundation on this book as they share the same vision that I have. When I first met Maryann Camilleri at FotoFest in 2012, she gave me excellent feedback that really pushed me and the work to a good direction.
HAF: Are you continuing to make new images for this series?
HMC: I am going to shooting new images until April of next year. I am happy with what I have, but I always want to push the envelope to see what else is to be had. My entire project hinges on timing and I need to give timing as many opportunities as possible to deliver.
Bio: Haley Morris-Cafiero holds a BA in Photography and a BFA in Ceramics from the University of North Florida and a MFA in Art from University of Arizona. She is an Assistant Professor and Director of Graduate Studies at Memphis College of Art. Her series of photographs, Wait Watchers, has been featured in over 40 sites all over the world including CBS This Morning, Huffington Post and Salon.com. She has was a finalist for the Prix Virginia & Renaissance Prize the series was exhibited in the Chicago Photography Center and the Newspace Center of Photography in 2014.


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|Big Little Lies PDF or ePub books
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