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King's Ransom ($14.95, 234 pages, ISBN: 978-1-60381-367-9) is a reprint of an early historical romance by bestselling author Mary Daheim. Originally published in 1990, King's Ransom opens in the year 1658, when Oliver Cromwell presided over England's Commonwealth. A high-born Puritan girl falls for a dashing highwayman whose booty is helping to fund the restoration of the Stuarts to the throne of England.
** Click the Cover Image to Order Online **
** Or order it in Kindle, Nook, or from iBooks or Kobo **
"Mary Daheim's novels are a rare treat for the lovers of deeply detailed, highly historical love stories that bring history to vibrant life."
—Romantic Times
Camel Press has reprinted several of Mary's other early historical romances: Reunion (formerly Pride's Captive), The Royal Mile (Love's Pirate), Gosford's Daughter (Passion's Triumph), and Destiny's Dawn. The remaining titles, Improbable Eden and Gypsy Baron, will be released before the end of 2016.
As a ten-year-old girl, Honor Dale watched in horror as her Puritan parents were slaughtered by Royalists. Now nineteen, she is the ward of her uncle, Oliver Cromwell, who rules England as Protector of the Commonwealth. En route to visit her powerful uncle, Honor loses her family's jewels to the notorious Captain Hood, who steals to fund Charles Stuart's restoration to the throne. She despises the highwayman's cause but can't help responding to his ardent kiss.
Despite the loss of her inheritance, all goes well for Honor under her uncle's Protectorate, including her betrothal to handsome Sir Tyler Vail. But after Cromwell's death, the Protectorate founders in the inept hands of his son. Worse yet for Honor, she's jilted by her fiancé and has become a ward of the sanctimonious Gouges at their towering ivy-covered manor house, Creepers. Honor bridles at their oppressive lifestyle, especially after again crossing paths with Captain Hood. It dawns on her that his vendetta against the Puritans is every bit as justified as hers against the Royalists. What's more, her spirited nature is far better suited to the dashing highwayman than the bovine Uriah Gouge, who is being foisted upon her as a husband.
But what is Captain Hood's true nature? Is he a charming, adventurous rake or a desperate nobleman fired by idealism? The Protectorate is toppling and the Royalists are prepared to do battle to put Charles Stuart on the throne. Honor can trust her heart to an outlaw lover, but she can't prevent him from risking his life for the Royalist cause.
Says the author, "By my fifth historical romance, I felt I was in a 1500s rut. I needed to expand my writing horizons and my knowledge of history. I took the logical step and set what would become King's Ransom in the middle of the seventeenth century. Of course that meant doing research. Lots of research, because I can't write a book about a time or a place without feeling as if I'd be at home in that setting and that era. Does that sound fanciful? Maybe. But it works for me. I hope it works for you, too, when you meet Puritan Honor Dale and Royalist Captain Hood. They find themselves at odds when it comes to politics, but like-minded when it comes to love. That's another thing I learned about the seventeenth century: The heart knows no time or place. And though I don't know about you, I find that very reassuring."
Mary Richardson Daheim, a Seattle native, began her publishing career with the first of seven historical romances before switching to mysteries in 1991. Since then she has published at least 55 books. Click here to find her on the Web.
Keep reading for an excerpt:
"I intend to ask many things of you," he said, the rugged face hovering over hers. "For now I beg but two. Were you Yorkshire born and bred?"
The question was so unexpected that Honor was caught off guard. "Yes," she answered simply. "Near Ingleton. But," she went on bitterly, "the house no longer stands."
Hood's grip tightened in her hair, causing her to wince. His features tensed and his skin darkened. "Irony," he whispered bitterly, "all is not vanity but irony."
She wanted to ask what he meant, but she held back. For some strange, elusive reason, she feared his answer. Or maybe it was that she knew he had some terrible tale to tell that would arouse her sympathy and blunt her determination to best him in the matter of her dowry. To her relief, he seemed to have regained his aplomb, though he still had his hand entwined in her hair. "The second favor should cause us both less pain," he said, his mouth twisted into the hint of a smile.
She had forgotten about the other request and started to inquire as to what it might be when his kiss stole words—and breath—away. This was not like Tyler Vail's bloodless, pristine kisses but a slow, measured assault on her senses that made Honor dizzy. She felt his other arm go round her, pressing her against his chest, while the hand that had stroked her hair now caressed the nape of her neck.
The proper thing to do, of course, was to struggle, to rain blows upon this importunate fraud, to kick and fight and surely to scream. But Captain Hood seemed to render her will useless. Instead of fending him off, she discovered that her arms had slipped around him, that her mouth was yielding to his probing tongue, that she was utterly helpless in his embrace. The revelation should have been humiliating, but was instead delicious.
He drew away, just far enough to see her face, the shimmering dark eyes under gold-tipped lashes, the flush across her cheekbones, the inviting mouth still slightly open.
"I want you," he said simply in that low voice, which wasn't quite as calm as usual. "But not now, not until you're well." His hand strayed to the opening of her collar, but at last Honor jerked back. Her brain was in chaos. She needed time to order her thoughts. The man was ten times as bold as he had any right to be.
Yet, she thought, as away from his touch the excitement in her blood cooled, his very conceit should play nicely into her hands. "You take advantage of my helplessness," she accused him, but there was no bite in the words. "You also play upon my generous nature. Any other maid would have raised an alarm."
"No, not really." He spoke seriously but then broke into an engaging smile. "Most maids are very kindhearted. I always marvel at their bountiful natures."
Honor's eyes sparked and she had to look away; Captain Hood was on the brink of going too far. "You mock me, sir. You would toy with my affections yet make light of my feelings." Having gotten her temper under control, she risked gazing at him head-on. "For shame, Captain! To think I dared defend you!"


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Hirslanden Clinic Aarau
Department of Cardiosurgery (26313)
Thierry-Pierre Carrel
Specialized in: cardiosurgery, vascular surgery
About the department
The cardiac surgery department of the Hirslanden clinic Aarau was rebuilt since Prof. Dr. med. Thierry Carrel and PD Dr. med Lars Englberger worked here. Both of them are recognized cardiac experts. Prof. Carrel is the director at Inselspital and PD Dr. Englberger is the chief physician at the University Hospital of Bern. They both work still at University Hospital of Bern and in the meantime they are available with their experience and medical knowledge at the cardiac surgery department for their patients.
In the future the Hirslanden clinic Aarau and the University Hospital of Bern will work together. Our patients can get benefits from this cooperation as follows:
- Our modern emergency centre is there for you all the time.
- In the future our cardiac surgery department will always try to keep close to our patients and fulfill the top claim of a university hospital.
- The close cooperation with the family doctors is a typical character of the Hirslanden clinic Aarau.
- We value the well-trained doctors very much. In the future it will be possible to share the specialized experts of the two hospitals.
- The Hirslanden clinic can take advantage of the new medical achievements of the university hospital of Bern.
Curriculum vitae
2014 Belegarzt an der Hirslanden Klinik Aarau
2008 – 2011 Vorsteher des Kooperationsbereichs Herzchirurgie der Universitäten Basel und Bern
2006 – 2008 Direktor ad interim Klinik für Herz- und Thoraxchirurgie an der Universität Basel
1999 Klinikdirektor Inselspital Bern
1999 Aufenthalt in Baltimore, USA
1996 Aufenthalt in Helsinki
1994 Aufenthalte in Hannover und Paris
Department of Cardiosurgery.
Hirslanden Clinic Aarau:
Request more information now.
We will be happy to answer all your questions.
Thank you for your confidence in the Booking Health portal.
A medical consultant will contact you and answer all your questions in the near future.
you will receive a reply shortly Home

subset: commoncrawl


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In Search of the World's Oldest Tea Tree
By William I. Lengeman III
Where does your tea come from? Well, to start with it comes from a plant called Camellia sinensis. Statistically speaking, based on production figures, that plant is most likely to reside somewhere in China, India, or Africa. The actual plant the tea was harvested from probably took the form of a small, rather neatly manicured bush. But tea, like so many plants, can grow in the wild as well as in a tea garden or estate, and some of the older tea trees and bushes worldwide tend to have taken on something of a mystique over the years.
Trying to track down the world's oldest tea tree is doomed to be an exercise in failure, since there may be some incredibly ancient specimen tucked away in a corner of a...


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Posted by Megan Hoye, LEED AP | Date June 26, 2017
In April, a group of Minnesota utility, regulatory, and nonprofit representatives convened at the 2017 eLab Accelerator at the Rocky Mountain Institute to consider how to increase the adoption of electric vehicles in Minnesota.
The e-Lab Accelerator is a four-day workshop that brings together teams of energy experts from across the country to work on projects that advance opportunities for distributed energy resources. The Rocky Mountain Institute provides trained facilitators and energy experts to assist each team with their project.
This year, CEE joined a team assembled by Fresh Energy that included individuals from Great River Energy, Xcel Energy, Great Plains Institute, and the Public Utilities Commission. Our group's project objective was to "advance electric vehicle policy in Minnesota by identifying near-term policy priorities and developing a strategic plan for policy roll-out."
During our time at e-lab Accelerator, we were able to solidify a shared vision for increased electric vehicle penetration in Minnesota and identify some important barriers and solutions to advancing electric vehicles in Minnesota. The team left e-Lab Accelerator with a better sense of why electric vehicles are important for Minnesotans and a shared understanding that coordinated collaboration with each other and Minnesota's other electric vehicle stakeholders is necessary to meet our goals. Since collaboration is key — and a cornerstone of Minnesota's success in achieving our clean energy wins — we want to share some of the outcomes from our conversations.
Benefits to Minnesota
Our group began our discussions by determining the ways in which increasing electric vehicle penetration would benefit Minnesota, identifying environmental, economic, and equity benefits.
Already today, utilities boast generation profiles available to power electric vehicles with lower carbon emissions compared to equivalent internal combustion engine vehicles. And with the onslaught of time-of-use pricing and low or negative wind prices at night, fueling an electric vehicle is increasingly cost effective.
From an equity standpoint, because of their lower operational and maintenance costs, increased penetration can help increase the cost effectiveness of shared mobility and public transit, to the benefit of low-income communities. Pairing electric vehicles with renewables can also help improve the air quality in high traffic areas.
Barriers and Opportunities
Getting to the nitty gritty, our team dug deep to determine current barriers to electric vehicle penetration and how we might begin to overcome those barriers. For one, Minnesotans don't have access to all of the electric vehicle models that are available in states like California, where zero emission vehicle policies drive high-penetration and create concentrated value propositions for manufacturers and auto dealers. Additionally, our charging infrastructure is relatively nascent, which may be a barrier to building consumer confidence. Increasing electric vehicle visibility and making purchasing simple — especially for first-time buyers — will stimulate the marketplace.
With this in mind, our team identified scalability and awareness as key priorities to overcoming the barriers electric vehicles face in Minnesota. Put another way, access, visibility, and simplicity as the top issues that need to be addressed in order to increase the number of electric vehicles on the road in Minnesota. Three initiatives team members are already working on to tackle those issues here in Minnesota are electric bus collaborations, corporate and local government fleet challenges, and mass education and engagement.
Next Steps
Sharing this work with stakeholders in Minnesota is a crucial component of achieving our goals, particularly early on as we continue to assess existing efforts, barriers, gaps, and opportunities. We hope that our work at e-lab Accelerator and the initiatives we identified will provide a roadmap for electric vehicle work in Minnesota and help strengthen the current collaboration and momentum in our state.
Image credit: Michael Hicks via CC
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Let's face it…it's a tough old world, and in my book, although women have come SO far (and there are so many good things about being a women these days) sometimes being a women is not all it's cracked up to be. In my view, we are stuck in a strange no-man's land of progress and the seeming inability for us to move any further forward.
There as so many reasons for this, but one that my mind always turns to is the fact that for the most part, we seem to be so shockingly bad at building each other up, at being each other's champions, and more often than not, we seem to be more engaged with undermining each other.
And so to all of you reading this I say right here, right now, let's put an end to this folly, and instead of putting each other down, let us instead lift each other up. And because I'm really all about lifting you all up, here are three lovely ways you can get busy with doing exactly that, from this moment on.
Be each other's cheerleaders
You know what – there is enough negativity in this life, enough naysayers. Let's not be that for each other as women. Let us be the ones swinging from the chandeliers saying "you can do it" in all it's glory. If we really want to create the equal society we so desperately seem to be striving for, then we need to cheerlead each other. We need to make it known to each other that we are good enough. That we should seize the day, be ambitious and go for our goals and dreams. Because if we don't cheerlead each other, nobody else will.
Be truthful with each other
You know what is not helpful to other women? When we all swan around with whatever mask we have chosen to wear that day pretending everything is rosy and perfect when the truth couldn't be any further from it. I don't mean we go and bash women over the head with a truth that will crush them, what I mean is – within your extended tribe – if things are not going well for you then don't gloss over and say you're ok when you're not. If we are all going around dying on the inside and putting up pictures of ourselves seemingly "owning it" on Facebook and Instagram, then that is going to do nothing for the sisterhood, and will also leave the rest of us licking our wounds wondering why everyone seems to have their s*** together when we don't.
By sharing and collaborating, not competing
Ladies – put that green eyed monster away in a box! This is not about grasping what little power you have and clutching it tightly to your breast so nobody else can have a piece of it. Media has already done a very good job at pitching us all against each other, so please, let's not add to this sticky tangle of a mess by competing against each other. Instead let us use each other's talents, let us build on each other's achievements and let us create a win-win situation for every woman in our life. And remember, you get what you give in this life.
Now that you have some ideas on how to lift up other women (not tear them down), what do you plan on doing?


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The Cleveland State Department of Intercollegiate Athletics has developed a Priority Point System to reward supporters for their generosity and loyalty. The system is designed to provide a fair way to determine access to post season and limited-availability events, including NCAA, NIT, and Horizon League tournaments.
What are Priority Points?
This system was designed to appropriately recognize generosity and loyalty through:
- Purchasing Season Tickets
- Donating to the Viking Club
- Consecutive Years of Donating to the Viking Club
This system is utilized to determine the priority of upgrade requests, assign newly purchased seats, relocation requests, and post-season game tickets.
When are Priority Points updated?
Priority Point totals will be updated at the start of each basketball season once the Athletic Department has received your invoice. Points will roll over each season. The Athletic Department has a running total if you have any questions about your Priority Points.
Cleveland State Athletic Priority Point Description & Samples


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It seems in every area of life and marriage there's a leader and a follower.
In this episode Gina and I discuss the importance of playing each role, and the importance of being a follower if you're wanting to be a good leader.
Show topics:
- Leading
- Following
- Power and pleasure
- Being present
Got a question?
Let us know by calling the feedback line:
(615) 567-3996 or email us at email@example.com.


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Quantified the MBD enriched samples prepped over the last two days: MBD enrichment, EtOH precipiation.
Samples were quantified using the QuantIT dsDNA BR Kit (Invitrogen) according to the manufacturer's protocol.
Standards were run in triplicate, samples were run in duplicate.
96-well black (opaque) plate was used.
Fluorescence was measured on the Seeb Lab's Victor 1420 plate reader (Perkin Elmer).
Google Sheet: 20151123_MBD_libraries_quantification
Standard curve looked good – R² = 0.999
MBD recovery ranged from ~250 – 600ng.
MBD percent recoveries ranged from ~2 – 20%. Input DNA quantities were taken from Katherine's numbers (Google Sheet): Silliman-DNA-Samples
Will contact services about getting bisulfite Illumina sequencing performed.


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D-Link 21Mbps 3G Modem Data Card DWP157 Rs. 475 – TataCLiQ
Specifications The HSPA+ mobile protocol lets you use your broadband connection on th ego, wherever you are, Built-in drivers and software provide immediate access to data and SMS functions & Compact USB-powered adapter uses an internal antenna and requires no batteries or cabling.
Click here to Buy: D-Link 21Mbps 3G Modem Data Card DWP157 | More Data Cards
Note : Product Image is just representation and may not represent the actual product.


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natural treatments for insomnia? Insomnia Therapy (behavioral and relaxtions approaches) may be your answer! There are several different types of therapy for insomnia, such as:
There are specific and effective insomnia therapy techniques that can reduce or eliminate anxiety and body tension. As a result, the person's mind is able to stop "racing," the muscles can relax, and restful sleep can occur. It usually takes much practice to learn these techniques and to achieve effective relaxation.
Deep Methods Include:
Brief Methods Include:
Hypnotic techniques have pre- and postsuggestion components.
The presuggestion component involves attentional focusing through the use of imagery, distraction, or relaxation, and has features that are similar to other relaxation techniques. Subjects focus on relaxation and passively disregard intrusive thoughts.
The suggestion phase is characterized by introduction of specific goals; for exmaple, analgesia may be specifically suggested. The postsuggestion component involves continued use of the new behavior following termination of hypnosis.
Individuals vary widely in their hypnotic susceptibility and suggestibility, although the reasons for these differences are incompletely understood.
BF techniques are insomnia treatment methods that use monitoring instruments of various degrees of sophistication. BF techniques provide patients with physiologic information that allows them to reliably influence psychophysiological responses of two kinds:
CBT attempts to alter patterns of negative thoughts and dysfunctional attitudes in order to foster more healthy and adaptive thoughts, emotions, and actions.
These interventions share four basic components: education, skills acquisition, cognitive and behavioral rehearsal, and generalization and maintenance. Relaxation techniques are frequently included as a behavioral component of CBT programs. The specific programs used to implement the four components can vary considerably. Each of these therapeutic modalities may be practiced individually, or they may be combined as part of multimodal approaches to manage chronic pain or insomnia.
Some people suffering from insomnia spend too much time in bed unsuccessfully trying to sleep. They may benefit from a sleep restriction program that at first allows only a few hours of sleep during the night. Gradually the time is increased until a more normal night's sleep is achieved.
Another insomnia treatment that may help some people with insomnia is to recondition them to associate the bed and bedtime with sleep. For most people, this means not using their bed for other activities other than sleep and or sex.
As part of the reconditioning process, the person is usually advised to go to bed only when sleepy. If unable to fall asleep, the person is told to get up, stay up until sleepy, and then return to bed. Throughout this process, the person should avoid naps and wake up and go to bed at the same time each day. Eventually the person's body will be conditioned to associate the bed and bedtime with sleep.
There are many more types of insominia therapy and combinations of these techniques that may work for you. Consult your physician for specific guidance if you are interested in exploring therapy options to control your insomnia.
Return from Insomnia Therapy to INSOMNIA Page
Return from Insomnia Therapy to HOME PAGE
Swanson, Jennifer. Sleep Disorders Sourcebook. Detroit, Michigan: Omnigraphics, Inc., 1999.


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At Moey, it isn't uncommon that our projects required us to be unique in our design, nimble in our execution, robust in what we deliver, yet economical all at the same time. Considering we're all tinkerers at heart, this can be a hard pill to swallow. We like to play with new sensors and appreciate the challenge of learning how to use them, but this is often not the best approach when we have a tight timeline and many pieces of a project to worry about. In the past, we've used industrial sensors on occasion when we needed to get something done simply with no hiccups down the road but the cost of the sensors have often bothered us. Industrial sensors, while amazingly robust and reliable, are often overkill for what we do and leave us feeling like we'll never reap the full benefits of the product. However, lately we've had a renewed interest as we've stumbled upon some really economical sensors that may just have eased our tummies.
Given we are tinkerers that like to share, we thought we'd try to peel your eyes away from Sparkfun just for a moment to show you how industrial sensors can really improve the quality of your projects with not as much money as you may think!
- Very reliable
- Robust, designed for long term use
- Not uncommon to find U.S.A. made products
- Possible to get a price deal if purchasing for a prototype
- Possible to get a "loaner"
- Great mounting capabilities
- Often expensive, though cheap varieties can be found
- Often have to call or email the company to retrieve pricing
- May have to purchase through vendor and not the company directly
- Extensive customization and long part numbers can be intimidating
Industrial sensors often provide their sensing feedback in the form of a digital signal or digital control. If the sensor tracks tilt, rotation, or any other naturally analog characteristic it is possible to receive an analog, PWM (pulse width modulation), or quadrature output, but at the moment, I only plan to address digital sensors with this article. Most commonly you will see industrial sensors described as PNP or NPN output with a NO (normally open) or NC (normally closed) default behavior. If you have any experience with transistors this language should sound familiar, but if its not, don't fret! I plan to explain that all shortly along with how you can make it do your bidding.
Most industrial sensors function in a similar manner to discrete transistors. This means that they are used primarily for turning on or off an electrical load like a switch based on what the sensor is sensing. For instance, a capacitive proximity sensor may turn a motor or light on when it senses the presence of a human hand or finger. Also, like transistors they come in PNP and NPN forms. PNP is used for sourcing a load, i.e. providing a load, that is already grounded, a path to power. NPN is used for sinking a load, i.e. providing a load, that is already connected to power, a path to ground.
Diagram from Fargo Controls datasheet
Normally open, normally closed
It is also common to be given the choice between a NO (normally open) and a NC (normally closed) sensor. In a normally open (NO) sensor, it will NOT source or sink until it detects an object, magnet, beam of light, etc. In a normally closed (NC) sensor, it will ALWAYS source or sink until it detects an object, magnet, beam of light, etc. Sometimes you will find a sensor that has the flexibility and wiring to be used in either manner.
How do I use them?
There are many, many different ways of using an industrial sensor. I'd first like to share how you can use these sensors with a microcontroller.
This PNP example requires the use of a voltage divider (two resistors) in order to divide the 12 volts from the sensor to an acceptable level so that a microcontroller's digital input pin can handle it safely. The digital pin will be brought HIGH whenever the sensor detects an object.
This NPN example does NOT require the use of a voltage divider given we can set a pull-up resistor in the microcontroller. If this internal pull-up resistor is not an option, you can use an external 10k ohm resistor from BLACK to +5V. The digital pin will be brought LOW whenever the sensor detects an object.
Keep in mind, each example is using a NO (normally open) sensor. The logic of each can be inverted if you choose a NC (normally closed) sensor. If your sensor can be either NO or NC, then simply move your circuit from the BLACK wire to the WHITE wire.
Tada! This has been a brief overview of industrial sensors along with a pair of basic examples of how to use them with a microcontroller. Feel free to contact us if you have any questions or if you see anything that needs correctly.
- Automation Direct – huge variety, moderate cost
- Fargo Controls – great selection of value line sensors, lowest we've seen
- OMRON – general industrial automation
- Penny + Giles – interesting joysticks and tilt / rotary sensors
- Photocraft Encoders – variety of wheel and shaft encoders for tracking rotary motion
- Turck USA – general industrial automation
- Balluff – high quality, large variety industrial sensors
- Mouser – vendor's industrial sensor section


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Want to win 1 of 3 top prizes for Seniors Got Talent? Here are some tips to increase your vote count.
This year is all about individual votes (Total Votes). Only Valid Email addresses used to vote for videos will be counted. We will be filtering any spam and false voting entries. The top 3 Videos with the most votes by December 31, 2014 will be this year's SENIORS GOT TALENT winners…
Daily Votes
Each voter is allowed to cast their vote daily for their favorite videos. If someone votes for you today, they can still come back to your video tomorrow and vote again!
Go Social
Previous Seniors Got Talent winners posted their videos on Facebook, and other social sites to give their videos a boost. The power of Social Media, like Facebook, can give your video that winning lift. With our social share feature on the bottom of each video, you can choose whichever Social Media site(s) you are on. If you are on Facebook, you can not only post the video on your "Timeline", but there is also an option to "Post on a Friend's Timeline". So if you tell a friend, and then they tell a friend, and so on, and so on, and so on…
Email Link to Friends & Family
New for this year, the winning videos will be determined by votes. Each email address/individual is allowed 1 vote daily per video. With the handy-dandy Share buttons on the bottom of each video, you can send your videos out to friends and family. By clicking the envelope, you will be asked to fill in their information and the video will be automatically sent to their inbox!
Have Fun
The most important part of SENIORS GOT TALENT is to HAVE FUN! We've seen some great videos in the past, and know that this year will be no exception. SENIORS GOT TALENT videos can entertain and inspire young, and old. So get those cameras ready, and we'll see you in this year's SENIORS GOT TALENT! View all the latest entries and upload your own at http://www.SeniorsGotTalent.com


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Have you ever received a robocall on your cell phone? Personally, I get them (and robo-text messages) all the time from my bank, various stores, and the radio. I always assumed it was an annoying fact of life, but as it turns out the Telephone Consumer Protection Act allows me to opt-out of receiving them.
A recent Third Circuit decision allows you to opt-out of these calls, even after expressly consenting to them. To see my full break down of what happened, check out the post I wrote for IT-Lex.
About this Blog
I was once a licensed attorney (in Washington), but my license is now inactive. I like to geek out about entertainment,
internet, and privacy law. This blog is a place for me to do that. All of the views expressed are my own and should not be considered legal advice.
My personal blog is located under the tab Pax's Page.
Rachel is a typer of words.
January 2014


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On this very timely episode, I have Gibran Nicholas, Chairman and CEO of the Certified Mortgage Planning Specialist (CMPS) Institute. The 2018 Tax Cuts and Jobs Act has finally been passed, and some major changes have been made. What are the changes and how will they affect you? Tune in to find out all the details about the seven changes in the tax laws that impact lending!
Key Takeaways:
[:50] Jennifer introduces her guest for this episode — Gibran Nicholas.
[2:18] Why do mortgage lenders need to know about the changes brought about by the 2018 Tax Cut and Jobs Act?
[4:25] The first change that has happened that impacts lenders is that the tax brackets have changed. What does this signify for lenders?
[6:12] The second change is that the standard deduction has gone up. This could be a good or bad thing, depending on your situation. Gibran explains further.
[9:41] Jennifer clarifies some aspects of the change regarding tax deductions. What benefits are there to itemizing, vs. opting for the standard tax deduction?
[16:15] The third change relates to the limitation on state and local taxes.
[20:50] The fourth point is a result of a change made to the college savings plan (529 plan).
[24:57] Change number five has made it better for real estate investors to make money in real estate!
[27:07] Was there any change in the capital gains tax for investors?
[28:10] What kind of changes have there been to deductions on the part of active investors?
[29:39] Gibran shares the changes that have come into place with regard to the acquisition indebtedness limit.
[35:45] The seventh change relates to home equity indebtedness.
[36:50] The last change has to do with the gift tax. Gibran explains how the gift tax works, and how it has changed.
[43:30] Jennifer clarifies the deductibility and non-deductibility of certain elements relating to mortgages.
[44:54] How would Gibran share the information about these changes with Realtors® and buyers?
[50:19] If you're interested in becoming a CMPS, reach out to Gibran via email.
Mentioned in This Episode:
Mortgage Lending Mastery on iTunes
Jennifer Du Plessis on YouTube
Internal Rate of Return Calculators (CMPS)
How to Benefit from the New Tax Changes, CMPS Institute
The Gift Tax Myth: How to Navigate Around It, CMPS Institute


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Spaced-Based Census Doubles Emperor Penguin Numbers
Given the inhospitable vastness of Antarctica, where temperatures regularly dip below -50c, counting the continent's most iconic species had long been a challenge, but not anymore. Thanks to a little help from space, researchers undertaking a census of Emperor penguins at the South Pole now say they have a better idea of how many of the flightless, tuxedoed birds live there -- and it's nearly twice as many as previous thought.
Using the latest in satellite imaging technology, a international team of scientists scoured Antarctica's frozen landscape for signs of Emperor penguin colonies. All told, they counted 44 separate penguin hangouts, including seven that were as yet undiscovered.According to the BBC, biologists used these aerial surveys to make a more accurate guess as to the number of penguins present in each colony, all without having to brave the region's freezing temperatures, and what they found was quite remarkable. Previously, there were believed to be as few as 270 thousand Emperor penguins in Antarctica -- now researchers say that number as more than doubled, to an estimated 595 thousand.
Co-author Michelle LaRue from the University of Minnesota said the monitoring method provided "an enormous step forward in Antarctic ecology".
"We can conduct research safely and efficiently with little environmental impact," she explained. "The implications for this study are far-reaching. We now have a cost-effective way to apply our methods to other poorly understood species in the Antarctic."


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The Workshop is all about being creative and thinking outside of the box. These workshops will help your right-brain soar, while making your left-brain happy; by explaining why things work the way they do. Exploring possibilities is great fun; however, always stay grounded with knowledge of how things work.
Each project in the Workshop includes a start file to help you get started with the project, and a final file to provide you with the results of the project so you can see how well you accomplished the task.
Before you can use the project files, you need to download them from the Web. You can access the files at www.perspection.com in the software downloads area. After you download ...
No credit card required


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Add more developers to your team at any time.
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Hi Darlings,
I'm so happy today because I got nominated for the Liebster Award!
For everyone who doesn't know the Liebster Award is an award that is given to bloggers by bloggers to help new blogs grow and connect with others in the blogging world. It started off with nominations of blogs with less than 2000 readers and as the award's popularity grew the max reader's cap has become lower and lower. And is now for blogs of 200 readers and less.
Thank you to the lovely Taylor from Entirely Taylor she has a beautiful blog where she talks about DIY, Lifestyle, Fashion and she also has amazing tips for different topics. Go and check her out!
The Rules
- Display the award on your blog — by including it in your post and/or displaying it using a "widget" or a "gadget".
- Write a 150-300 word post on your favourite blog that is not your own. Explain why you like the blog, provide links.
- Answer your questions and provide 10 random facts about yourself.
- Nominate 5 – 11 blogs that you feel deserve the award, who have less than 200 followers and ask them your own questions. (Don't forget to inform the people/blogs you nominated about it.)
- List these rules in your post.
My Favourite Blog Right Now // SUPERNOVABEAUTY
I think my favourite blog right now is definitely SUPERNOVABEAUTY. She blogs about beauty and skincare, she's really kind and I'm obsessed with her reviews.
She just finished a MONTH of review, which is so impressive, but I love that each of them was super informative and her pictures are amazing. She chose products I was really interested to learn about such as new releases or hyped up products.
I love that she says everything you need to know about a product and that she includes a lot of photos to show every single detail.
Not to mention she is beautiful and the sweetest girl, we got along really well because she has oily skin, like myself, so I felt I could trust her, we chatted a little bit and she was super nice.
Basically what I'm trying to say is, she is amazing and you should totally check her out, I promise you won't regret it at all. I also appreciate the fact that she posts a lot of articles so you are going to be entertained for hours.
Taylor's Questions Answered:
- What inspires you or drove you to start blogging?
I always loved beauty and I tried working with make up in different ways through my whole life: I worked as make up artist, in retails, I even tried youtube a few years ago, nothing fitted me perfectly, but when the idea of a blog came into my mind I felt like every piece was coming together: I felt like that was my space to express myself and every side of my passion for beauty. Nothing is more me than my blog and every post I did so far is a reflexion of my passion.
- If you were on a deserted island what 3 things would you take with you?
My sister, my sunglasses and a cocktail!
- What is one little thing in life that makes you smile and why? (not a person, let's see your creativity)
When I can do something I thought I couldn't do. And pizza, pizza always makes me smile.
- If you could give one tip to an upcoming blogger what would it be?
Dream big and work hard.
- Look back, What would you tell or warn your 16-year-old self about?
Stop thinking you are worthless and stand for yourself, no one else will. You don't have to stay in the background to let little flames shine, you are a sun, so shine because you deserve it.
- Where do you see yourself and your blog 5 years from now?
I have so many plans about my blog you'll have to wait and see! I'm not going to share all of them now but I'll tell you the main: finally moving in London and having a blogging career.
Ten Random Facts About Me:
- When I was a child I was obsessed with Carnival because it was the only occasion my mum would put lipstick on me (Halloween was not that popular in Italy back then, so Carnival was our occasion to dress up).
- My favourite animals are Flamingo because they are as elegant as swans but they are pink and pink is the best colour in the world!
- I rather cry for a truth than be happy for a lie, and in more than one occasion I wish people were just honest with me.
- I have to sleep with earplugs and eye mask every night otherwise I won't sleep.
- When I was a child sometimes my parents allowed me to stay up past bedtime and my dad and I used to watch 007 movies.
- I'm obsessed with Fallen Angels stories.
- If I don't want to do something, there's no way I'll do it.
- I can become really mean if I'm around a bad smell, I don't know why, but if someone or something smells bad I go bananas!
- I have a true obsession with Beauty and the Beast, I love that tale in every way, shape or form.
- I want to marry someone that makes me feel like the first coffee in the morning does.
Darlings I Nominate:
- Zora: The Girl In Green Scarf
- Sarah: Vintage Tea Rose
- Pamela: Giraffe View
- Shannon: Kittyp0p
- Joy: Joy The Witch
- Nele: Navigatio
- Rebecca: All Things Allat
- Charlotte: Charlotte Alice
- Smiling Dreamer: Smiling Dreamer
My Question For Them:
- What is your favourite song?
- What is your main goal for this year?
- Is there a character in a book that perfectly describes you?
- What's your all-time favourite lip product?
- What's your favourite quote?
- When you are eating a meal do you eat your favourite thing first or last?
I really hope you guys enjoyed it, don't forget to like, comment and share to let me know all your thoughts. Please subscribe to my social media: I am on Instagram, Twitter and Facebook.


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Enjoy casual dining at Whispering Brook with panoramic mountain views, estate vineyards and olive groves providing a gorgeous backdrop to an alfresco picnic, gourmet platters or pizzas at the cellar door.
Select from the options below:
Alfresco picnic hampers - $55 for 2 (excludes wine)
A selection of 3 gourmet cheeses, biscuits, charcuterie, bottled water, wine glasses & cutlery. Simple and elegant. Choose a special bottle of wine at cellar door to complete your alfresco experience.
Cheese and antipasto platter at cellar door - $55 for 2
Prosciutto & cured ham served w/ Hunter Belle cheeses - Caramelised Onion, Cranberry & Pistachio and Ol Smokey, fig paste, fruit chutney, assorted fruit & salad, estate extra virgin olive oil & olives w/ pane de casa bread & grissini con cipolle.
Cheese platter at cellar door - $40 for 2
Hunter Belle cheeses - Caramelised Onion & thyme cheddar, Cranberry & Pistachio cheddar and Ol Smokey, served w/ fig & walnut paste, assorted fruits, w/ wafer biscuits & Pane Croccante
Gourmet pizzas at cellar door - $20 for 1
A selection of gourmet pizzas including vegetarian served w/ fresh green garden salads.
Keep up to date with wine + viticultural information, new wine releases & events.


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Durham Combination Band 2018-2019
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Read our recent article for 'Your Move' magazine – and make the most of valuable property tax breaks
Q: I have just purchased at auction a small parade of shops and was considering converting the currently empty space above the shops into 4 residential flats to let out. Is this a good idea from a tax point of view?
A: There is a scheme called the 'Flat Conversion Allowance' which gives investors income tax relief on the cost of converting vacant property above shops and offices into residential flats. This scheme will however be withdrawn in April 2013 so you will need to act quickly.
Q: The cost of the conversion will be about £60,000 can I get any tax relief for this?
A: If the conditions are met, yes. Assuming you are a 40% tax payer, you can reduce your income tax bill by up to £24,000 in the year in which you incur the expense. The main conditions are as follows:
• The properties must be on a traditional shopping street, and have been built before 1980
• They must not have more than 4 stories above the ground floor
• The upper floors must have been intended for residential use when first built, even if that use has ceased, and they must have been unoccupied for at least one year when you start the work
• You can claim the costs of building work, new kitchens and bathrooms and other capital expenditure involved in the conversion
Q: Anything else I need to think about?
A: Yes – you may also be eligible for a similar kind of relief on your costs for renovating the downstairs shops. The availability of Business Premises Renovation Allowance was extended last year to 2017 and may apply to renovation expenditure on the shops. There are, as always, some conditions, the main one of which is that the premises must have been unused for a year to qualify.
In both cases you will need to make a claim for a special type of 'Capital Allowance' on your tax return for the period during which the conversion takes place. In all probability you will need an accountant who specialises in advising the property sector to guide you through the process.
Contact us on 0151 228 8977 if you would like our help.


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The term "time immemorial" originally referred to the time before Richard I became King of England in July 1189. more...
December 7 , 1941 : Japanese bombers attack Pearl Harbor. more...
Learn something new every day
More Info... by email
The Feldenkrais Method is a form of body awareness that is often thought of as alternative or complementary medicine. As designed by Dr Moshé Feldenkrais, in the 1960s, the goal of the Feldenkrais Method was to take a holistic approach to movement. Awareness of the movement of the body could promote subtle changes, enhance movement ability, and perhaps aid in treating those with injuries that inhibit movement.
Moving in a holistic way is called positive functioning. To Dr. Feldenkrais, positive functioning was key to being healthy. Positive functioning not only deals with the way we move, but the way we think about moving. Thus the Feldenkrais Method can be said to be a mind/body experience.
The Feldenkrais Method became popular in the US in the early 1970s. Dr. Feldenkrais taught at Esalen, and then offered seminars in San Francisco in the late 1970s, and in Massachusetts in the early 1980s. Essentially, two types of Feldenkrais method are practiced.
The first type of Feldenkrais Method can be taught in classes of numerous people, with a single instructor. These classes, called Awareness Through Movement (ATM), have students perform very simple exercises per the instructor's directions. Unlike a calisthenics class, movements may be quite small and can generally be performed by people of all fitness levels. The goal is to connect mind and body by being aware of how the body moves.
The second type of Feldenkrais Method is called "functional integration." This may be a private lesson where the instructor moves the student's body. Functional integration is often used to help people overcome specific movement problems, which perhaps might result from an old injury. The movements are again quite subtle, but are meant to teach the person how to move with greater ease. ATM may also be taught privately, but is more often taught to a small group of students.
Currently, practitioners of the Feldenkrais Method must have 800 hours of training before being certified in their profession. In the US, those trained in the method usually have certification with the Feldenkrais Guild of North America. Other countries also have certifying agencies, and it is important to work with someone who is actually registered with a guild.
Some with injuries or conditions like arthritis find the Feldenkrais Method to be of tremendous assistance. Others do not benefit much from the method. It does require a skilled practitioner, an open mind, and an extraordinary amount of self-awareness for some to find success.
Popularity of the Feldenkrais Method was highest in the early 1980s. Since then, other mind/body methods, especially some forms of yoga, have surpassed the Feldenkrais Method. Yoga and Feldenkrais can actually be quite compatible, and many find benefits from a combination of both practices.
One of our editors will review your suggestion and make changes if warranted. Note that depending on the number of suggestions we receive, this can take anywhere from a few hours to a few days. Thank you for helping to improve wiseGEEK!


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1. In the web browser, input the Actifile website address, "https://www.actifile.com" and press the "Enter" key. The Actifile website will be displayed.
2. Click on the Signup link displayed at the top right corner of the Actifile main page. The user will be provided with an option of choosing an Actifile subscription plan.
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6. Click on the Create an Account button.If all the data input by the user are valid, then the account will be created successfully and the following Account confirmation page will be displayed. An email will be sent to the email id provided by the user.
7. Open the relevant Actifile signup email and click on the link provided in the email. A "Thanks for Confirming" page will be displayed and your "Business Subscription" will be successfully registered with Actifile. You can now login to Actifile using your registered credentials.


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Elected the world's most beautiful city in 2016, Venice consists of 118 small islands connected by canals and bridges and situated in the Venetian Lagoon. But visitors who'll choose Venice for their 2019 / 2020 holidays will find it's not just water the city is submerged in, but culture and history too.
Risen to popularity as a commercial centre in the 13th century and a fashion centre in the 14th, it became home to Tintoretto, Titian Vivaldi, and Monteverdi. Venice's contributions to European culture have touched a wide variety of fields throughout the years—artistic, architectural, musical, commercial, and theatrical, and its beauty has been celebrated in works such as The Merchant of Venice, Volpone, and Candide.
Most popular hotels in Venice
Antony Palace Marcon
Venice, Venetian Riviera
Hotel Casa Nicolò Priuli
Venice, Venetian Riviera
The best Venice city guide
Top 5 alternative Christmas markets in the sun
At a glance
- Currency:
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- Time Zone: GMT +
- Average flight time: 2h 45m
Top 5 spookiest places in the world to visit
Where to go in Italy
When to go
(°C) Avg. High Temp
Top attractions
The first stop, once arrived in Venice, is St Mark's Square. Also known as "the drawing room of Europe," St Mark's Square's most important sight is its church, St Mark's Cathedral—a luxuriously decorated building occupied by gold ground mosaics. Though decorations have changed over time, its marble columns, marble arches, and statues, have remained largely unchanged throughout the centuries, as have its famous 8000 square meters of golden mosaic displaying the history of the relics of Saint Mark.
From St Mark's Cathedral it's easy to reach the Doge's Palace. Once the residence of the Doge of Venice, the Doge's Palace is one of the most characteristic monuments in Venice. Constructed in 1340, it overlooks the lagoon and has been converted into a visitable museum since 1923.
In the north-side of St Mark's Square sits The Clock Tower, a 15th century building visitable through pre-booked tours. The inside stairs leading to the terrace showcase the clock's mechanism which was last altered in 2006, five hundred years after the tower's completion.
Eating out
Venice's food culture is a major point of interest for tourists. Between dinners, coffee breaks, cicchetti, and aperitivi, Venetians always find the time to line up at one of their favourite spots. Some of Venice's best-known restaurants aren't just places to sit down and have a drink, but historical places in their own right!
Caffè Florian, in Piazza San Marco, is an example of 19th century decor that distinguishes itself not just for its architecture and delicious food but for having been the best place to have a literary debate during the Austrian occupation, and a favourite spot of Lord Byron.
For coffee enthusiasts, Caffè del Doge is an essential stop. A coffeehouse on the Rialto, il Caffè del Doge offers teas, pastries, desserts, and fresh fruit juices, along with an extensive menu of coffee blends—from exotic flavours like Guatemalan Huehuetenango to house blends like "Doge Rosso." At the end of your break, you can even purchase whole or ground beans to take home!
For a classy meal, El Sbarlefo is a tasteful wine bar and restaurant, where contemporary decor and jazz music offer the best experience for anyone wishing to savour fresh seafood, fine wine, Italian cuisine—and the ubiquitous Venetian snack "cicchetti"!
In fact, Cicchetti are a must-try when you are Venice. As the typical Venetian small snacks, they are eaten with fingers and toothpicks and usually include tiny sandwiches, olives, vegetables, halved hard boiled eggs, seafood or meat and vegetable, all laid on top of a slice of bread or polenta. Sometimes you even get very small servings of typical full-course plates—so they're the best way to taste a great variety of local food at a very reasonable price!
Families looking for a bit of entertainment during their 2018 holidays in Venice will be offered a wealth of activities ranging from festivals, carnivals, and tours.
A family trip to Venice could be the perfect opportunity to witness the annual Venice carnival, a two-week long festival popular for the intricacy and beauty of its masks. Venetian mask-makers hand-craft their works with feathers, leather, porcelain, gold-leaf, and gems.
Tourists heading to Venice in July will find that the city comes to light during the Festival of the Holy Redeemer: preparations begin in the morning with garlands and festoons thrown over boats and rooftops as people prepare themselves for the night. At sundown, fireworks can be admired while having dinner on boats.
For a chance to combine history with adventure, try one of Venice's ghost tours, a 90-minute walking tour through hidden streets and ancient cemeteries interspersed with ghost stories, local myths, and legends from the past that will delight children and adults alike.
Action & Adventure
The most adventurous visitors will have several options at their disposal in Venice. St Mark's beauty and landscape can be admired from above by choosing one of the panoramic tours. You can explore the less visible parts of Venice with one of the walk tours that will guide you through narrow passageways, hidden bridges, and meandering canals. Or you can book a tour of the Dolomites, one of Europe's most fascinating mountain ranges, and walk around lakes and mountains, snapping photos at altitudes of nearly 2400m.
More competitive athletes will be excited to know that Venice hosts its own marathon which awards a monetary prize to the winner and includes minor side events like non-competitive family runs and night trails.
Make sure to visit during the carnival to catch a glimpse of the swirl of street parties, dances, music, jugglers and fire-eaters that will be on display through the Venetian streets throughout the carnival!
If you're looking to enjoy a day at the beach during your holiday in Venice, you will find themselves with a number of options at your disposal. By hopping on a ferry, you'll reach the cheap, quiet, and relaxing Alberoni, ideal for families and tourists wanting to spend some time away from the crowd sin the Venetian centre.
About an hour away from Venice is Rosolina beach, an 8km long expanse of sand usually quiet and uncrowded and accessible by bus from the Marco Polo Airport.
For a unique beach experience head for Albarella beach. Sitting on a private island surrounded by nature, Albarella beach offers clean, shallow waters, a variety of play areas with children-friendly activities, and outdoors thrills for every age. With its variety of excursions and entertainments, it is a particular favourite among children and families.
Nightlife in Venice kicks off with an aperitif consisting of a small glass of wine and some cicchetti, before heading off to one of the local haunts.
The most famous Venetian nightclub is Molocinque. Classy and friendly, Molocinque was once an Art Deco theatre, and is now home to a dozen different bars and four themed pavilions, each offering different kinds of music. Dinner menu and late-night menu are both available.
If you're visiting during the summer, Aurora Beach is an essential spot. Music, lights, drinks, and outdoors beds and cabanas make it a lovely spot both during daytime, when the atmosphere is mellower and the crowd comes here to lounge and enjoy a light lunch, and during the nighttime, when the more energetic crowd is joined by local DJs.
People wanting to make sure they're allowed to dance all-night can head for Piccolo Mondo, one of the few Venetian discos where life kicks off after midnight and doesn't end until the wee hours of the morning.
But if your ideal night is spent listening to jazz music and sipping fine wine at candlelit tables alongside a laid-back, well-dressed crowd, consider heading off to the Jazz Club. Doors open at 7pm and live jazz music starts at 9.
With its reputation for being one of the most romantic cities in the world, it's no surprise that Venice is a favourite destination among couples. Head off to the Grand Canal for a ride on a vaporetto or take a 40-minute gondola tour through the lesser-known canals! Singing and serenading are available on request.
For an unforgettable night of beauty and musical entertainment towards the end of June, make sure to check out the Jazz Festival, where international and local musicians perform in different venues throughout the city.
Most of Venice's artistic heritage is visible by simply strolling through the city streets, where gothic architecture combines with Byzantine and Ottoman influences to give birth to the original style the city is best known for, the Venetian Gothic.
Alongside its reputation for being a major fashion and shopping centre, Venice has also earned itself the name of Glass Island through its centuries-old production of exquisitely ornate and colourful glass-work.
Modern art lovers will be delighted to know that it's not just ancient art history in Venice. The Peggy Guggenheim Collection, an exhibition of works by 20th-century masters, is one of the most visited attraction in the city, complemented by the works of contemporary artists on display at Punta della Dogana. And if you can, don't miss the Venice Biennale! First inaugurated in the 19th century, it's the world's most prestigious visual art exhibition which hosts 120 artists from 51 different countries and 86 national participants.
Music lovers, meanwhile, will find that the contributions to music that have earned Venice the name of the Republic of Music are still ongoing today with the opera seasons, chamber music concerts, and ballets regularly held at La Fenice and at Teatro Malibran.


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Cape Town Prawn Festival 2017
Some might consider the pairing of prawns with galloping thoroughbreds to be strange, however, the Cape Town Prawn festival has cemented itself into a must-do event for the Summertime. If you're a horse racing enthusiast with a passion for seafood, then make your way to Kenilworth Racecourse on the 25th February 2017.
Over the last couple years, The Cape Town Prawn Festival has formed part of 'Summer of Champion Series' - a highlight on any race-goer's social calendar. Spectators can tuck into platefuls of fresh prawns while placing bets on the outcome of the Grade Three Vasco Prix Du Cap and the Grade Three Chairman's Cup.
Delicious prawns are served with your choice of starch, either chips or rice. Accompany your seafood with a selection of sauces - peri-peri, lemon butter or garlic butter. There will also be other fare available for those who don't enjoy seafood. Apart from the racing and indulging, there will be live entertainment to add on to the festivities - ease into the racing spirit with music performances by local artists. The little ones can also partake in special activities to keep them entertained throughout the day. Kiddies Entertainment includes face painting, colouring in, a story corner, magic shows and much more!
Entry to the event is free and gates will be open from 11:00 to 19:00.
While care has been taken to ensure that information contained on the Sleeping-OUT website is true and correct at the time of publication, changes in circumstances after the time of publication may impact on the accuracy of this information. Sleeping-OUT gives no warranty or assurance, and makes no representation as to the accuracy or reliability of any information or advice contained on the website, or that it is suitable for your intended use. Sleeping-OUT recommends always confirming the details of the event with the organiser before booking accommodation.


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This is big government at its finest hour. The Democrats have officially killed a successful private school voucher program banishing more than 3,300 low-income children back to the DC schools they so desperately wanted to escape.The Democrats are always touting their pro-choice agenda when it comes to a woman's "right" to murder her baby in the womb. Why aren't they pro-choice when it comes to helping low income families escape violent and often substandard school systems? Could it be because Democrats don't care nearly as much about the children as they do about all the money they get from the National Education Association?
Please read the entire article on Big Government.


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In my opinion, part of the "Alice" patent problem is that few true impartial (i.e. neutral) judges have really been involved yet.
Both the USPTO and Federal judges have at least a subconscious incentive to get complex patents off of their respective desks with a minimum of time and effort. Why fill your head with complex matters — just say the patent is "abstract", and the problem is gone. Instant relief! So perhaps there is an inherent conflict of interest built into the legal system in this regard.
So, as the Supreme Court itself warned, Alice will continue to swallow up more and more patent law until it finally reaches an opposing force. Given our legal system, this opposing force may have to be formed by group of middle to large sized companies. Here, any company that doesn't depend on either advertising, copyrights, or non-innovative technology might be a potential candidate for such a group.
Perhaps some of the presently pending cases will eventually put some boundaries here.


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Zero Carbon – Zero Bills
To Stop Climate Change – Start at Home
How to cut your house's carbon footprint,
heating bill and electricity bill to zero.
By someone who has done it: David Green
A zero-carbon-footprint house (or just zero-carbon house) is also known as a zero-energy house, net-zero energy house or carbon-neutral house or housing. Over the course of a year a zero-carbon-footprint house generates no net emissions of carbon dioxide. Zero-carbon footprint houses are houses that use very little energy from electricity or heating fuel like natural gas. But, because even a single light bulb uses energy, they are do not use zero energy. They can use zero energy net (i.e., after subtracting) the zero-carbon energy produced on site, such as from solar panels.
If you want a zero-carbon footprint and zero bills for heating and electricity then this web site is for you. By saving money for yourself you will cut greenhouse gas emissions, reduce climate change and combat global warming. It's true, green is the new gold.
If you are looking for a T-shirt with a lifetime carbon footprint of zero, please click here: zero carbon T-shirt
"Wow! That's a great gift idea for the holidays – give nothing this year!". Give a gift with a zero-carbon footprint. A zero-carbon footprint for the lifetime of the T-shirt. It's the gift that keeps on giving.
If you are looking for how to make money by cutting the carbon footprint of your swimming pool to zero, please click here: zero carbon swimming pool
If you are looking for how to make money by cutting the carbon footprint of your house to zero, please read on:
Because the technologies of insulation, heat pumps, solar panels and triple-glazed windows are now so good and the subsidies from government are significant, you can, by following the examples in this website, cut the carbon emissions from your house to zero, save thousands of dollars a year on heating and electricity bills, and make a good return on your investment.
We have done it.
David Green's "fab four" recipe for "making green by going green" i.e., making money by cutting your house's carbon footprint to zero is:
- install 12″ of fiberglass in your attic and in the ceiling of your basement
- replace your AC units with heat pumps
- when you replace your windows, replace them with triple-glazed windows not double-glazed ones
- install solar panels on your roof
To find out more about the fab four please click here: Summary.
To see how much money we saved and how much carbon dioxide we cut by cutting our house's carbon footprint to zero, please click here: How much did we cut?
To see David Green's 45 minute webinar presentation (followed by 30 minutes of Q&A), hosted by the Green Home Institute, that covers the fab four recipe, please click here: GHI Webinar
Reviews of the webinar included, "Minute-for-minute, point-for-point, one of the best webinars I have ever attended. Thank you!" and, "Wonderful and helpful presentation. Knowledgeable and practical presenter."
To easily calculate the carbon footprint of your house, please click here: Carbon footprint.
To read about the author, David Green, please click here: About the author
To order a copy of David Green's books, Zero Carbon® Home and Zero Carbon® Pool, please click here: Order the book
These are unsolicited comments I have received on the book:
"Wow that was an awesome book! Super informative on all aspects of the process to get to net zero. I'm very glad I read your book it is such a passion of mine I've been wanting to do this for years, you really inspired me to make it happen. Thank you." D.S., Mastic, New York.
"Absolutely loved the book. Very readable for the non-scientist. Fun, entertaining, quite educational for the scientist." A.N., Weston, Massachusetts.
"Thank you so much for your effort and attention here. I feels so fortunate to have met you!" K.A., Arlington, Massachusetts.
"I'm very impressed the way you explained the technical terms, the Fab Four and your thoughts on them, leading you to your choice. I was also very surprised when reading the section about old architectural solutions, like verandas, pergolas, deciduous plants, etc. being very often forgotten. Really good stuff." M.B., London, U.K.
And this comment came from probably the world's leading environmentalist:
"i thought the book was straightforward and clear" B. Mc., Middlebury, Vermont.
To read an explanation of energy terms used in the books (don't worry, it is precise but in a non-technical way), please click here: Energy terms explained
To read an explanation of finance terms used in the books (again, precise but in a non-technical way), please click here: Finance terms explained
To read an explanation of zero-carbon house terms, such as net-zero energy, PassivHaus, LEED Certification, Zero-Energy Ready Home (ZERH), Home Energy Rating System (HERS) and my proposed new term, Greenness, please click here: Net-Zero Energy terms explained
It is pure coincidence, or perhaps destiny, that my family name is Green.
David Green's work on zero carbon houses has been publicized on global news media outlets including ABC, NBC, CBS and Fox and has appeared on the front cover of Green Energy Times, in the Boston Herald and in Renewable Energy World, as well as the websites of the U.S. Department of Energy, Zero Energy Project, Cool Effects and the Green Home Institute.
A 3 minute interview of David Green by NBC Boston anchor Joy Lim Nakrin can be seen by clicking here.
David Green, the author of Zero Carbon® Home, has released his second book, Zero Carbon® Pool. Zero Carbon® Pool, just like Zero Carbon® Home, is about how to save money by cutting your carbon footprint. Zero Carbon® Pool is about how to cut your swimming pool's carbon emissions, heating bill and electricity bill to zero. David Green has done it on his own swimming pool. He found it was quicker, cheaper and made him a better return on investment to go zero on his pool than on his house. Written in the same friendly style and backed by the same scientifically-rigorous and financially-sound analysis as Zero Carbon® Home, this book will help you save money by helping to save the planet from global warming.
To order a copy of Zero Carbon® Pool, please click here: shop
If you are looking for a T-shirt with a lifetime carbon footprint of zero please click here: zero carbon T-shirt
The mark Zero Carbon® is a trademark of Zero Carbon LLC registered with the United States Patent and Trademark Office with number 5,730,207. Use without the written permission of Zero Carbon® LLC may be a violation of law. For permission requests contact email@example.com


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You've reached the official website of DJ/Producer and Visual Artist HedSnap.
I am a performance artist with a passion for music and extending that excitement to guests I'm entertaining. My style lends well to playing a wide range of musical genres suitable for background music at venues such as lounges, art galleries, and product launches to high energy events such as house parties, weddings, and holiday parties.
If you have an event in mind and are interested in having me provide my music, lighting and visual talents please contact me to discuss how I can help make your event a memorable success.
Thank you for visiting my homepage and I wish you luck with your event.


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SSI Service Centres Globally
Authorized Dive Centres
+Countries Recognized
+Material Languages
Why SSI?
SSI's Training Standards and Total Teaching System are the perfect blend of structure and flexibility. We train you to be a dive professional capable of making judgments to meet the challenges of your geographic area and the needs of your students.
SSI's Dive Professional pathway will teach you to lead dives, train you what it takes to produce confident, comfortable divers and make you a valuable asset in a dive center or resort.
SSI Dive Professionals are respected all over the world because for their reputation of creating divers. The fact that business education is part of the dive professional training adds no small part to this acknowledgment.
Join our growing family
and get the latest updates on our awesome promotions and events


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Members of our Parents' Association play a vital role in maintaining a strong and vibrant Jewish campus community. The Parents' Association also creates an opportunity for you to stay connected. Members will receive regular communication about upcoming programming, opportunities for your children to travel with USC Hillel, and chances to connect with fellow parents. All Parents Association members will receive a personal phone call from a Hillel staff member inviting them to upcoming programs and events.
Membership which is offered at multiple levels, comes with the opportunity to select gift packages for your student. We offer birthday, finals, Sukkot, Purim, and Passover gift packages. Your membership at any level will help to enhance programs and continue to ensure your children have a place to call home while in college.
Click here to download the complete brochure and sign-up form. (pdf)
Click here to join our Parents Association now
Upcoming Events
Rosh Hashanah at Hillel
September 29 – October 1, USC Hillel
Community members are invited to welcome in the New Year with USC Hillel! Guests must register online to reserve a seat. Register Here
Yom Kippur at Hillel
October 8 – October 9, USC Hillel
Community members are invited to observe Yom Kippur with USC Hillel. Guests must register online to reserve a seat. Register Here
Homecoming 2019
October 19 – On Trousdale
Find the Jewish Alumni Association tent on Trousdale for a kosher tailgate before the big game! More info Here.
Save the date! Trojan Family Weekend 2019
October 31 – Nov 2, USC Hillel
Stop by USC Hillel during Family Weekend for a variety of events! Meet the Jewish Trojan Family, braid challahs with our Challah for Hunger cohort, experience a Hillel Shabbat, and enjoy a kosher tailgate before the big game. More details coming soon
Trojan Family Shabbat
November 1, USC Hillel
6:00 Services, 7:00 Dinner
Welcome in Shabbat with USC Hillel and focus on what really matters: gratitude for our families, communities, and for the growth of the spirit. Traditional Shabbat services will be led by Hillel students with a chef-catered, kosher dinner to follow. More information coming soon.
Past 2019-2020 Events
FreshFest Parent Panel
August 19, USC Hillel
While FreshFest participants explore campus, parents will have an opportunity to connect with representatives from the offices of Campus Security, Student Health Services, Religious Life, and many more. Please contact email@example.com for more information.
Parents Meet & Greet
Wednesday, August 21, 7:30pm
Beverly Hills, CA
Please join USC Hillel's Parents Association for an evening of mingling, wine, and meeting Dave Cohn, USC Hillel's new Executive Director. This event is generously hosted by Lynn and Les Bider in their Beverly Hills home, the address will be provided upon registration.
Past 2018-2019 Events
Graduation Brunch
Friday, May 10, 10:00 – 2:00 PM
USC Hillel (3300 S. Hoover St)
Celebrate the Class of 2019 with USC Hillel! This event is open to all seniors, friends, and family. RSVPs are appreciated but not necessary. This event is free, but we ask that you consider making a donation in honor of your students graduation. RSVPs are appreciated but not required.
1st Night Passover Seder
USC Hillel (3300 S. Hoover St)
Friday, April 19, 7:30 PM
Celebrate Passover with USC Hillel! We welcome all families, alumni, and community members to our Seder on April 19th. The Seder will include most of the traditional elements and rituals, as well as discussion and singing. To ensure USC Hillel is able to continue providing free kosher meals for students, the suggested ticket donation for community members and alumni is $54 for individuals and $150 for families of 4.
Yom HaShoah Child Survivor Panel
USC Hillel (3300 S. Hoover St)
Tuesday, April 23, 5:30 PM
Join the USC Hillel community for a special ceremony and discussion in commemoration of Yom HaShoah, or Holocaust Remembrance Day. This event will feature the remarkable stories of three child survivors in a moderated panel by the Casden Instititue. Through community and survivor testimonies, we will reflect and remember together.
Mahjong & Margaritas
Wednesday, February 27
Beverly Hills
Friends of USC Hillel looking to expand their Jewish Trojan networks are invited to this Mahjong Meet Up! All experience levels with basic mahjong knowledge are welcome.
Trojan SCuppers- Host Students for Shabbat
Friday, March 1
In your home!
Members of the Jewish Trojan Family are invited to hist Shabbat dinner for students in their homes. All Shabbat observance and kosher levels are welcome!
USC's Day of SCervice
Sunday, March 10
Beit T'Shuvah, 8831 Venice Blvd, 90034
In partnership with USC's Alumni Day of SCervice, USC Hillel will host a service project at Beit T'Shuvah, a Jewish, faith-based recovery center that focuses on the spiritual healing of addiction. Our day will begin with meeting current residents, followed by preparing and packaging meals for those still suffering from homelessness. All friends of USC Hillel and children 10 and up are welcome to fulfill this mitzvah!
Jewish Cooking Series
Three Dates – attend one or attend all!
Private homes in Los Angeles
USC Hillel is proud to present a three part Jewish cooking series! Each cooking class will be led by a different professional chef with ties to USC Hillel. Register for one class or all three! Click here to learn more.
Israel Today: A Geopolitical Update
Wednesday, October 3rd, 7:00 PM
Los Angeles, USC Hillel
Join the JAA and USC Hillel for our first speaker series of the 2018-2019 year. Charlotte Korchak, Director of International Student Programs for StandWithUs and alumna of USC, joins us for an in depth conversation about the Arab-Israeli conflict.
Save the date! Trojan Family Weekend 2018
October 11 – 14th, 2018
Friday, October 12, Parents' Shabbat
Los Angeles, USC Hillel
USC Hillel is thrilled to provide parents and family members with the Hillel experience during Trojan Family Weekend! Join us for an amazing weekend of events celebrating our Trojan Hillel families and community. Click here to view our schedule.
Homecoming & Alumni Shabbat 2018
Friday, November 9 and Saturday, November 10
Los Angeles, USC Hillel
All USC alumni are invited to USC Hillel's Alumni Shabbat. Services begin at 6:00 PM followed by a kosher, chef-catered dinner at 7:00 PM, come for one or both. On Saturday, find the Jewish Alumni Association tent on Trousdale and join us for a kosher tailgate. Fight On!


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Coco Jumbo
Cocktail recipe1 Cocktail PT2M PT2M cocktail, Pineapple Juice, Tia Maria, Creme De Cacao
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Rating: 1.59 / 51.59 stars based on 0 votes with 0 being the worst and 5 being the best
- #11 / 54 in Tia Maria Cocktails
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- #33 / 260 in Pineapple Juice Cocktails
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- #8 / 42 in Creme De Cacao Cocktails
Highball glass
3 Ingredients
- Dash Pineapple JuiceDash Pineapple JuiceDash Pineapple Juice
- Lots Tia MariaLots Tia MariaLots Tia Maria
- Splash Creme De CacaoSplash Creme De CacaoSplash Creme De Cacao
Add Tia Maria to a long glass, then the pineapple juice then a splash of creme de cacao. Should create a nice tri-coloured effect
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- Dash Pineapple JuicePineapple Juice ()
- Lots Tia MariaTia Maria ()
- Splash Creme De CacaoCreme De Cacao ()
Add to My Bar
- Dash Pineapple JuicePineapple Juice
- Lots Tia MariaTia Maria
- Splash Creme De CacaoCreme De Cacao
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Source: https://makemeacocktail.com/cocktail/1241/coco-jumbo/


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We identify Potential Export Markets and Promoting Your Products or Services Abroad. We do this by the following programs.
Internet marketplace allowing U.S. companies, especially small to mid-size firms, to find and build long-term relationships with international businesses and to complete export transactions. Export.gov provides subscribers instant access to qualified foreign distributors, buyers, and trade leads. Qualified subscribers must be U.S. firms that have been in business for at least one year and represent products and/or services comprised of at least 51% U.S. content.
Catalog Exhibitions:
These events display a U.S. firm's product catalogs in several markets within a region. Commercial Service staff and representatives from state development agencies present the catalogs to hundreds of interested business prospects abroad and send the trade leads directly to participants.
Country Commercial Guides (CCG):
Comprehensive reports on doing business in a particular country. Available for over 100 countries, the Guides include best prospects for U.S. products and services, marketing issues, economic and political trends, trade regulations and standards, and investment climate.
Customized Market Analysis/Flexible Market Research:
Custom-tailored market assessment on your specific product or product line. The market research provides information on product sales potential, competitors, distribution channels, pricing of comparable products, potential buyers, marketing venues, regulations and joint venture possibilities.
Export USA:
Export USA, developed to replace Commercial News USA, is the export promotion magazine of the USA. The magazine is designed to help American companies promote their products and services to buyers in more than 178 countries worldwide.
Gold Key Service & Video Gold Key Service:
Our overseas Commercial Service staff will set up appointments with interested and qualified agents and/or buyers before you arrive in their city. Maximize your travel value by gaining on-the-spot market insight and counseling from our in-country commercial specialists. Special services, such as interpreters, can be arranged if needed. Video Gold Key works the same as the regular Gold Key except meetings are held via video teleconference.
International Buyer Program (IBP):
The International Buyer Program supports selected leading U.S. trade shows and recruits foreign buyers and distributors to attend the event. At the show, the U.S. Commercial Service works to put exhibiting U.S. firms in touch with the international visitor.
International Company Profile (ICP):
The ICP portrays the reliability of a prospective trading partner. Information provided includes type of organization, year established, size, general reputation, sales, principal owners, and trade references with recommendation from on-site commercial officers as to the foreign company's suitability as a trading partner. Clients may request answers to detailed questions about overseas companies on a variety of issues. Since the ICP program is not available in all countries, a list of private sector providers is available from the USEAC.
International Market Research Reports (IMRP):
A variety of reports (prepared by U.S. Commercial Service overseas staff) covering international markets for specific product lines, industry sectors, and major projects. Reports include market size and outlook, competitive and end-user analysis, and market entry strategies.
International Partner Search (IPS):
The IPS promotes U.S. exports by helping U.S. firms gain effective representation abroad. In each target market, the post conducts a personalized search to select the most promising prospects for the U.S. firm. The post initially screens the possible agents, distributors, joint venture partners, manufacturer's partners, franchisees, licensees or strategic alliance partners, then directly contacts the top prospects to review the U.S. firm's marketing objectives for its product or service.
Matchmaker Trade Delegations:
The U.S. Commercial Service matches U.S. mission participants with prospective agents, distributors or buyers abroad. The overseas staff screens the contacts and handles all event logistics. U.S. firms visit the designated countries with the delegation, and receive in-depth market and finance briefings, along with the appointments.
National Trade Data Bank (NTDB):
The NTDB is your "one stop" source for federal international trade information. It contains over 190,000 trade-related documents, including market research, statistics, trade contacts, country guides, and more. It is available at federal depository libraries, can be purchased on CD-Rom or can be accessed through subscription on the Internet at www.stat-usa.gov. Call 1-800-STAT-USA to order or for more information.
Platinum Key Service (PKS):
U.S. firms can attain comprehensive, customized support on a range of issues on which the company needs longer-term, sustained assistance. Assistance is tailored to the client's needs and can include identifying markets, launching products, developing major project opportunities, providing government tender support, helping to reduce market access barriers, and assistance on regulatory or technical standards matters. Ongoing service is available for six months, one year, or a specified timeframe based on the mutually agreed upon scope of work.
Helps U.S. companies identify additional high-potential product markets while attending major Trade Shows. During the trade show, clients have the opportunity to meet with Commercial Service specialists from various countries to receive one-on-one counseling sessions on exporting to those markets.
Trade Opportunity Program (TOP):
TOP leads are timely sales leads from international firms seeking to buy or represent U.S. products or services. TOP leads are printed daily in leading commercial newspapers and are distributed electronically through STAT-USA by the U.S. Department of Commerce. TOP leads are also published in local business journals.


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Happy Fall We hope you had a great summer full of fun and sunshine. We are exited for the fall season and a great event that's taking place at the studio… I often talk with many of my clients about the importance of a healthy diet and how eating […]Read more →
An Inspiring Article about Pilates and Professional Athletes from MensFitness.com ! This month the Brooklyn Nets debut their inaugural squad at one of the most exciting times in the NBA. Riding in on a wave of excitement collectively created by Linsanity, the mighty Miami Heat, and […]Read more →
We here at RGS Pilates in Oakland, Ca want to encourage more men to experience the awesome benefits that Pilates has to offer.Pilates is one of the fastest growing fitness modalities in the world not to mention the abundance of Pilates studios right here in Oakland, Ca. […]Read more →
As the fitness industry has evolved, professionals in the field have learned how important it is to effectively strengthen core musculature. If your center is strong and flexible, all types of movement are easier to perform. It's clear that this concept applies well to improved performance in […]Read more →
BARLATES IS BEST FOR YOUR BODY Getting regular exercise is certainly an essential component to maintaining a healthy body and spirit. However, the type of exercise you choose can either harm or help you! Have you ever been deterred from getting out of bed or off the […]Read more →
Are you chronically sick around the Winter months? It's no fun at all, but its very common. According to Ayurveda (Indian science of healing) the body is most susceptible to illness at the juncture of the seasons, because everything is in flux. During the transition from Fall […]Read more →
A new season has arrived and with it severe changes in the weather. Here in the mild bay area we recently experienced a drastic drop in temperature. Blistering summer heat one day to shivering winter chill the next! Our immune systems can surely take a beating from […]Read more →


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Blanche Devereaux Quotes
Rue McClanahan's 10 Most Golden Moments
With the sad news that Golden Girl Rue McClanahan died today, we thought we'd look back at some of Rue's classic moments as her best-known character, Blanche Devereaux, on The Golden Girls.
Blanche may have been the sassy Southerner, but she was also butt of lots of jokes. Playing off Rose's daftness, Dorothy's sarcasm, and Sophia's, well, Sophianess, Rue made Blanche pop culture's most beloved cougar/GILF. Some say the original Samantha Jones!
Rose: We should put out the Welcome mat.
Blanche: We don't have a Welcome mat.
Rose: What about the one Dorothy always says is at the foot of your bed?
Blanche: Oh, I do love the rain so. It reminds me of my first kiss.
Dorothy: Ahh, you're first kiss was in the rain.
Blanche: No, it was in the shower.
Blanche: I threw my back out in aerobics class, you see . . .
Dorothy's son: You don't have to explain, my mother's told me all about you.
Blanche: Now, if you'll excuse me, I'm going to go take a long, hot, steamy bath, with just enough water to barely cover my perky bosoms.
Sophia: You're only gonna sit in an inch of water?
Blanche: Rose, I refuse to believe you have ever read a scientific journal!
Rose: Believe what you want! See if I care! Hypersexual b*tch.
Read the rest below.
Dorothy: Can't you get a refund?
Blanche: Well, no. I paid with nature's credit card.
Dorothy: You never leave home without it.
Rose: Is it possible to be in love with two men at the same time?
Blanche: Well, let's set the scene . . . have we been drinking?
Blanche: Why are you insulting me?
Sophia: It's a defense mechanism. I guess it's to hide my feelings when I'm deeply upset.
Blanche: Oh, well I understand. In that case, I won't take it personally.
Sophia: Thanks, you human mattress.
Blanche: I am abhorred!
Sophia: We know what you are, Blanche, I'm glad to hear you finally admitting it.
Blanche: Blanche Elizabeth Devereaux.
Dorothy: Your initials spell B.E.D.?
What was your favorite Blanche moment?


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Former Capital Brewery Brewmaster Kirby Nelson returned to the Capital brewhouse on Saturday representing Wisconsin Brewing Company for the brewing of the second annual Common Thread beer, which this year is a collaboration between ten Wisconsin breweries.
Nelson didn't miss a beat as he casually got behind the controls at the brewery, where he was brewmaster for 25 years. His return to Capital for the collaboration efforts shows the immense sense of community and brotherhood craft brewers have with one another and exemplifies what Common Thread is all about.
"It is meant to be a big rally for Madison and Wisconsin brewers," said Vintage Brewmaster Scott Manning. "We got a crazy notion last year, that a group of 'competing' craft brewers could get together, invent a tasty new beer, have a blast brewing it, and release it in celebration of both Madison Craft Beer Week & American Craft Beer Week. The idea was to toast our town and it's beer culture, to support local agriculture and industry, and to brew as a tribute to our common bond as scientists and artists in the cause of Great Beer."
While Common Thread's 2012 inaugural brew was California Common (steam-beer) beer was a collaboration between six local breweries, 2013's will be a Biere De Garde and feature ten breweries including:
- Capital Brewery
- Vintage Brewing Company
- Great Dane Brewing
- The Grumpy Troll Brewery
- Lake Louie Brewing Company
- House of Brews
- Karben4 Brewing Company
- One Barrel Brewing Company
- Potosi Brewing Company
- Wisconsin Brewing Company
"We've bolstered our ranks and we're aiming even higher this year- more local pro brewers, bigger batch size, bigger soapbox…same feel-good, local, crafty mission," said Manning. "Let's work together to make a beer to make Madison (and Wisconsin) proud. And let's lead the charge for Wisconsin's craft brewers to work together, buy and support local, and to elevate our state's brewing culture beyond its gilded history, into a future of relevance leadership, and prestige."
While the logistics of the brew are being handled by Capital Brewery, all money made above and beyond the costs of producing the beer will be donated to the Wisconsin Brewer's Guild. 2012's Common Thread raised more than $4,000 for the organization, which benefits small brewers across the state.
Each brewery has allocated a certain number of barrels to be sold on their premises, and the rest of the brew will be available through General Beverage for restaurants and bars during Madison Craft Beer Week which takes place May 3rd through May 12th.