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Ho'oponopono: Healing Your Life With The Ancient Hawaiian Secret Power-Prayer Practice of Love And Forgiveness
Tag Archives: Emotional Management
Emotional Management: Positive Emotions On Tap
The EFT Tapping Technique has become very popular in recent years. It's simple to do and it's especially useful for reducing stress quickly. There's a lot more you can do with tapping though. One of the things that's not talked … Continue reading


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Partners and Affiliations
Direct Marketing Association
The Direct Marketing Association, a division of the Association of National Advertisers, is the largest trade association dedicated to direct marketing in the world. Global-Z is an active member, as well as a member of the International Council.
Privacy Shield Framework
The EU-U.S. and Swiss-U.S. Privacy Shield Frameworks are international data privacy programs developed by the U.S. Department of Commerce and the European Commission. Global-Z is a Privacy Shield compliant organization fully recognized by the U.S. Department of Commerce. Visit the Privacy Shield web site for more information on this program and international data privacy.
WorldVu is the publisher of the Guide to Worldwide Postal-Code and Address Formats, an invaluable reference containing detailed information about international address formats.
Vermont Technology Alliance
The Vermont Technology Alliance is a non-profit business association with a mission to support, promote, celebrate and grow technology businesses and technology jobs in Vermont.
Global Address Data Association
The Global Address Data Association, Inc. (GADA), a nonprofit trade association, is the first association of its kind in the world. The address "industry" is not recognized as the professional discipline that it is, either by posts, the mailing/shipping community, or government institutions, and is not represented before its major partners – the postal systems. GADA intends to change that.
NEMOA is one of the United States' most active multichannel merchant associations dedicated exclusively to the catalog/multichannel industry.

subset: commoncrawl


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CLEVELAND, Ohio -- So now we're hearing that the Target data breach goes beyond 40 million credit and debit card numbers.
Three weeks after the initial disclosure, Target now says that personal information for up to 70 million people has gotten into the hands of bad people. We could be talking about more than 100 million people affected -- about one-third of the U.S. adult population. The information compromised includes names, addresses, phone numbers and email addresses.
Meanwhile, Friday evening, Neiman Marcus is confirming that it too had a data breach in December, according to Krebs on Security.
While the latest Target breach doesn't seem to be as damaging as the first one, the whole fiasco serves as a wake-up call for anyone who is concerned about personal information going where it shouldn't.
According to Javelin Strategy & Research, which tracks identity theft issues, one out of four people notified of a breach becomes a victim of fraud within a year. Further, more than 12 million people were victims of identity fraud in 2012, Javelin said.
Then consider that data breaches increased by 30 percent in 2013, according to the Identity Theft Resource Center in California. There's no reason to think the number will go down any time soon.
Matt Davis, director of business operations at ITRC, on Friday said the most recent Target breach disclosure is "less scary" than the first one that involved credit and debit card numbers. Names and addresses can be found in phone books and property records. Ditto with some phone numbers.
Davis said he's most concerned about the disclosure of email addresses. "That's definitely a window into their privacy," he said. That's particularly true if someone had an online account with Target and uses the same password with other accounts -- especially the email account associated with the account.
The disclosure of names and phone numbers also could allow fraudsters to prey on people by calling their phones and calling them by name. Think of the elderly and others who are more trusting.
Cases like the Target breach can serve as reminders that there are many, many ways we can protect ourselves by being more careful with our information. I turned to the ITRC, the FTC and my own experiences to compile this list. Some of them are long-standing advice; some may surprise you.
- Talk with your bank about setting limits or alerts on various types of charges on your credit or debit card. Maybe you never shop online or out of state. Maybe you want a $300 daily limit. You could set up parameters so you'd be notified before any deviant charges would be authorized. This is particularly important for debit cards, the ITRC said, since these are directly linked to your bank account.
- Place outgoing mail in Post Office collection boxes, not your own mail box, where anyone could grab it.
- Get a mailbox with a lock. They sell for $60 to $90 and are constructed to allow your carrier to deliver the mail, but then require someone with the key to retrieve it. About one in 80 households has personal information stolen from the mailbox each year, and stolen mail is the cause of identity theft for about a half-million people a year. How many people are going to get W-2s and 1099s in the mail in a couple of weeks?
- Put PINs or passwords on all of your accounts if possible -- checking and savings, credit cards, loans, utilities, investments. You need to set it up so that neither you nor anyone else can access your account just by providing your name, date of birth, Social Security number and mother's maiden name.
- Keep a record of all of your card account numbers, expiration dates, issue dates, security codes and phone numbers so you can report loss of a card quickly.
- Don't use the same password on every account, whether for online or phone access. Foremost, make sure your email password is different from everything else. Separate passwords for Facebook, Twitter and other sites are also recommended.
- Get good virus protection software and a firewall for your computer to protect yourself from spyware, viruses and hackers. And lock your wi-fi.
- Don't respond to emails from entities purporting to be from a firm you do business with. Banks, credit card companies, the IRS and online shopping services such as eBay, PayPal and Amazon never, ever ask for personal information via email.
- Don't carry anything with your Social Security number on it with you. The FTC often says a SSN is "the key to the kingdom."
- Be careful about disclosing information to just any company that asks for it. For example, when filling out job applications, don't provide your Social Security number. Tell the employer you'll provide it after an interview or when you're hired. Numerous people have access to job applications. The only cases where your Social Security number is necessary: for credit or loan applications, bank accounts, employers and other tax purposes, and for schools and certain government offices, such as the Bureau of Motor Vehicles and State Department.
- Get your bank, investment firm and others to take your Social Security number off your statements, including direct deposit transactions.
- Carry a minimal amount of personal information in your wallet or purse. The ITRC recently talked with one woman whose purse was stolen. It contained Social Security cards for her entire family. Don't carry your checkbook if you won't need it at the restaurant or movie theater you're going to. Ditto with your insurance card or passport.
- Don't use a debit card, at least not on your primary checking account. That 16-digit number is a frightening gateway into your bank account. Ask your bank for an ATM card without a MasterCard or Visa logo.
- Draw a line through blank spaces on charge or debit slips above the total so the amount can't be changed.
- Save your receipts to check against your monthly statements.
- Open your monthly statements promptly and compare them to your receipts. Report mistakes or discrepancies as soon as possible.
- Get a copy of your credit reports. By federal law, you can get one free copy per year from each of the three major credit bureaus. Call 1-877-322-8228. You may want to stagger them, one every four months, to keep a more timely watch for anything inappropriate.
- Opt out of allowing the three credit bureaus to sell your personal information to solicitors. This information is the source of pre-approved credit offers and other junk mail that's annoying at best, and a way for someone to steal your identity at worst. Call the Opt-Out Hotline at 1-888-567-8688. You must provide your Social Security number and other information to opt out.
- If possible, don't let your credit card out of your sight. This is especially difficult at restaurants. For these cases, use just one account, so you can monitor it more closely for fraudulent charges.
- Beware of eavesdroppers when you're providing personal information, such as a credit card number, over the phone.
- Ask your credit card company if it offers a card with your photo on it. This wouldn't prevent a lot of potential instances of misuse -- most cashiers don't ask to see the card for routine transactions and it's never seen with online purchases -- but it could prevent a major spree.
- Always use the same form of your name on financial accounts and legal documents. For example, always use either Andrew or Andy -- don't change back and forth -- and always use a middle initial or your middle name. That way, if someone tries to use a different form of your name, it can send up a red flag.
- If you use a computer at home, switch all statements from banks, credit cards, insurance companies and other firms to online statements. Stolen mail is among the top three causes of fraud and identity theft. (The others are lost or stolen wallets and misdeeds by friends or relatives).
- Don't keep personal information in your car. And if you have a GPS, don't set the home address to your exact house number. Why would you want a thief to have your address and possibly your garage door opener?
- Don't take phone calls from people who are asking for personal information and claim to be from a company you know. Unless you're expecting such a call, offer to call them back at the number you have from your statement or the phone book. This is important even if the caller has your name. You might let your guard down if someone from ABC Bank calls and asks for you by name.
- Get your health insurance provider and similar companies to switch your identification number to something besides your Social Security number.
- It's the same thing with places such as your doctor's office: If they have your insurance ID number, they shouldn't need your Social Security number. When asked for your Social Security number, ask why they need it.
- Check balances on your bank, credit card and loan accounts more than once a month. Access them online or by phone, ideally at least once a week.
- With all financial companies you deal with, set up e-mail or text "alerts" to monitor transfers, payments, low balances and withdrawals.
- Get a second checking account to use in cases where you don't want the person or company you're paying to have your bank routing number and account number, which are printed on the bottom of your checks. A person can do a lot of damage with your name and address and those two numbers. Keep only a little more than what's needed to cover the payments in this second account. Having a second checking account also can allow you to shut your main account down quickly if you encounter fraud. An alternative to a second account: Money orders or cashier's checks.
- Don't sign a blank charge or debit slip.
- Cut up old credit and debit cards -- cutting through the account number -- before you throw them away.
- Consider using a gel pen or specialized pen to write out checks. Normal ink can be erased with finger nail polish or alcohol. Special pens contain ink that is absorbed into the check's paper fibers, so the ink can't be altered.
- Put a fraud alert on your credit file. You can instruct creditors to follow precise instructions before allowing an account to be opened. The instructions might be to call you at home or on your cell phone or to require photo identification. Call 1-888-766-0008. A fraud alert is different than a credit freeze.
- Buy and use a shredder. You can get a good one for about $30. Or tear personal documents into tiny pieces and put them in different trash cans. Or throw them in your fireplace or hamster cage.
- Don't type account passwords on any computer you don't control, such as those at computer labs, coffee shops or airport lounges. Identity thieves can buy keystroke logging gizmos cheap and install them in a couple of minutes. These contraptions harvest all the information typed on the keyboard.
- For any financial or credit card statements you get by mail, know roughly when they arrive and find out what's going on if you don't get them on time.
- Consider getting a credit-monitoring service, but only if it is through one of the three major credit bureaus: Equifax, Experian or TransUnion, or a firm specifically recommended by your bank. Remember that credit-monitoring services aren't perfect.
- Even when you're home, be careful where you leave your wallet, purse or mail if, for example, your children have friends running in and out or if you have guests over for dinner.


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If you need sewer gas assistance as discussed in this article, call us at 1-800-344-4414 or email us at firstname.lastname@example.com for details and a free estimate.
Written By: Robert E. Sheriff, MS, CIH, CSP, President
October 1, 2018, Updated April 2019
Is It Sewer Gas?
The first thing to do is make sure the smell is sewer gas—usually a rotten egg smell—and not a natural gas smell, which usually smells like a skunk.
If you think it's a natural gas smell, call you're natural gas company immediately. If it's anything but a very faint smell, evacuate the building and wait for the gas company to give you an all clear. A natural gas leak can lead to a violent explosion. (Natural gas is odorless; the skunk odor is actually a chemical called a mercaptan that is added to warn us of the danger).
If you indeed notice a rotten egg odor, it may be sewer gas. Sewer gas is mostly methane, which is odorless, but it's almost always mixed with other gases, the most common of which is hydrogen sulfide (for you chemists—H2S) which creates the rotten egg smell. The hydrogen sulfide comes from decomposing organic matter, either animal or vegetable.
A sewer gas odor can come from a household septic system, or the sanitary sewer system. Many suburban and rural households have septic systems but most urban and commercial/business buildings are tied into a sanitary sewer system. The most common source of sewer gas odors whether residential or commercial is a "dry trap". A dry trap occurs when a sink, floor drain, or toilet is not used for some time, the water trap in the drain line dries out and the sewer gas then backs up into the room. Another common source of sewer gas is a broken drain line or a vent pipe that allows sewer gas into a crawl space, basement or mechanical area, which then seeps into the office, factory, warehouse, apartment, etc. Plugged or backed up drains can also push sewer odors back into the air.
In an office or commercial building, the "dry trap" or leaking drain line leaves the strongest odor on Monday morning when the building is shut down for the weekend. This is due to the lack of air movement that allows the odor to intensify without disturbance. Daytime occupancy settings on the HVAC System, doors opening and closing, people traffic, etc. keep the odors diluted. Another common time for the odor to increase is during or after a hard rain. The drain system gets overloaded and pushes the sewer gas back into the building especially when the vent system is plugged or broken, a sewer pipe is broken or sewage from outside is pushed into the building.
Is Sewer Gas Hazardous?
Besides the offensive odor, sewer gas can be hazardous especially over an extended period of time. Methane gas can displace oxygen, especially in a confined space, and be deadly. Hydrogen sulfide is also toxic. Fortunately for us, we can generally smell Hydrogen Sulfide (H2S) at very low levels and far below what could be toxic. However, as the H2S gets stronger, we lose our ability to smell it. Scientifically, it's called olfactory fatigue! Thus, you don't know if the H2S is gone or it has overwhelmed your sense of smell and be life threatening!
If you smell the rotten egg odor of sewer gas, check first for dry traps. Just add water to fill the trap. This will block the path for the gas to escape. If that doesn't work, it could be a broken line, a vent that is plugged or not vented to the outdoors, a dead animal somewhere, or even worse, some other source of hydrogen sulfide than a sewer system. It's time to get help from someone who can inspect for possible sources—a plumber or contractor. Some plumbers have the equipment to pump smoke into the drain system and see if the escaping smoke identifies the leak.
Get Help
Another option is to contact an environmental consultant, such as Atlantic Environmental, Inc., who has the equipment to test for methane, hydrogen sulfide or other gases, and identify the source and the concentration, and give you specific guidance on correcting the problem. We can respond quickly to your request. Call us at 800-344-4414, email to firstname.lastname@example.com or use our contact form for more information.
Our primary service areas for Indoor Air Quality Sampling are: NJ, NY, NYC, PA, CT, DE, MA, RI, Wash DC, WI, MD, MI, IL, VA, IN, GA, AL, NC, SC, TN, TX, OK, DC, AR, we can service most other areas of the U.S. but with some added travel charges.


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Largest Employers
SBM Offshore USA
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Phone 281-899-4300 Visit the Website


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I wonder if Parmenides had any of the Stoic logicians concerned about Being and Time. i'm reminded of the child philosopher who asks, "why is there something rather than nothing?" Parmenides answers that something couldn't come from nothing because only nothing could have come from nothing. Since there is something now then there could have only been something since ever. in fact, something never extinguishes and something is never generated. if something had a genesis that would violate the principle that something can only come from something. It would've had to come from nothing which is impossible. So there is no becoming. There is only being. In fact that which is will always be. That which is cannot change because it will have to become what is not. But nothing can't come from something. Just like something can't come from nothing.
Parmenides concludes that nothing ever changes. Everything always is and will never not be and will never come to be because nothing can only come from nothing. And something can only come from something. All change is an illusion. Nothing ever changes. Parmenides's arguments that change was an illusion were buttressed by Zeno of Elea's paradoxes that motion is impossible.
The Stoics owe their metaphysics to Heraclitus, who believed that everything was in a state of flux and everything was commanded by the Logos which was a principle of opposites (night and day, love and strife, winter and summer, etc, etc). Things are constantly generated and then dissolve and are extinguished. In fact, the universe is continuously dissolved and generated forever and ever.
I suppose Parmenides never worried the Stoics because the Stoics trusted their senses and saw that time flows, motion is possible, and that things are divisible. We see daily with our senses that things are born and die. Everything is in flux. in fact the only thing that is is becoming. There is no real being.
What do you guys think? Is there only being? Or is there only becoming? Is change an illusion or there only change?
Here's an article that discusses Heraclitus's ontology vs Parmenides's


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Nunavummi Reading Series: Saila & Betty - ON SALE
20% off while supplies last! Original price: $6.95
Saila the seal wishes he could fly. But his friend Betty the bird helps him learn that he is special in his own way!
This fun animal story teaches children the value of being yourself. The simple storyline and supportive illustrations make it a perfect choice for kids who are beginning to read longer stories on their own.
Educator Information
This book is part of the Nunavummi Reading Series, a Nunavut-developed series that supports literacy learning while teaching readers about the people, traditions, and environment of the Canadian Arctic. Saila and Betty is a Level 8 book in the series.
Nunavummi Reading Series books have also been officially levelled using the Fountas & Pinnell Text Level Gradient™ Levelling System. Saila and Betty's F&P Level is I.
Recommended for ages 5-7.
Additional Information
24 pages | 8.00" x 8.00"


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I was in the car with my children yesterday running errands. It was a bad time. Georgia was tired, and I knew she needed a nap, but I had to pick up a prescription and go to the bank. I figured I could suffer through it. It didn't take long before she started screaming. She didn't want to be in the car, and she was pissed.
As the screaming grew louder, Eli became annoyed and started yelling, "Georgia! Be quiet!" This, of course, made her scream louder.
When we are at home, all I have to do to calm her down is sing Edelweiss. Seriously, she can be in the throws of an all out crying jag, but two bars of Edelweiss will immediately quiet her down. It's pretty amazing.
Unfortunately, that little trick doesn't work in the car. So, I began trying different CDs to find one that would calm her down. Children's music – nothing. Enya – nada. Finally, I popped in an 80's CD I had mixed for myself. Asia came on blaring Heat of the Moment. Amazingly, the cries quieted, and I heard Georgia start clapping in time to the music.
Seriously? Asia?
Luckily, that kept her quiet through the bank drive-through. Sadly, the calm only lasted through the one song. When the next song came on, she started screaming again. Apparently, she wasn't as fond of Quiet Riot and Cum On Feel The Noize. I thought I would mix it up, so I put in my Nickelback CD. No such luck.
I just looked in my rearview mirror and said, "You have GOT to be kidding me! You like Asia, but you don't like Nickelback?" *sigh* Eli was just covering his ears at this point, so I don't think he really cared what we listened to. I popped Asia back in. Silence. Clap. Clap. Clap.
Needless to say, we listened to that song six times before we got home. Today, when Georgia acted up in the car, I flipped through my entire 80's CD to see if any other song had a calming reaction. Surprisingly, 867-5309 had the same effect. Silence. Clap. Clap. Clap.
At least that gives us some variety. Apparently, my daughter has quite a fondness for select 80's tunes. Maybe tomorrow, I will try some Sister Christian and really mix things up.


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Afghanistan Objects to Swap of Taliban Prisoners for U.S. Soldier
Afghanistan raises objections over the swap of five high-profile Taliban detainees for a U.S. soldier, Sgt. Bowe Bergdahl, saying the Afghan prisoners should have been freed without conditions. WSJ's Nathan Hodge joins the News Hub with the details. Photo: AP
This transcript has been automatically generated and may not be 100% accurate.
... the ... Afghanistan is now raising objections to the US to love them for is the small ... not so much the swap itself but the conditions attached will have back and so much mall right here right now on the New Saab ... good morning and welcome I'm Simon Constable and joining me now lie in front of all the will Street gentle very own ... Nathan Hawkes make them thank you for joining us this morning ... morning sun ... so that Nathan will will get to the video objections by the Afghanistan leadership to this tale but let's talk about how this deal came about because this was a long time and process and had to overcome any hovels ... traders has a deal to the many reasons and for years in the works and never quite a lot of delicate negotiations but diplomats ... and a lot of wrangling on the ground actually in a swap out and physically ... for the most interesting parts of the story is over and over actually happened in a remote part of eastern Afghanistan ... not very far from our second-quarter ... us to have a group of ... U S special operations forces ... of meeting up with a group ... of Taliban fighters for this swell of folk who worked all happen ... you need to make sure that they that nothing goes wrong don't chase each other ... and there is a lot of very interesting details in today's story ... and communication ... to ensure for instance ... how to spot would occur ... as well as making sure that the airspace is clear so that when Pope or else transported in a Taliban crumbling going in Afghanistan ... that coalition and warned us there are a bit of fire ... so of Bob Dylan maneuvering but on the ground here ... as well as incompetent where the real intermediary work happen ... to be sure ... now what one other things going on here what is was the son since health counted the U S find out about ... his deteriorating health which has become some summing an issue ... disconnected from the latest media was proof of my ... time there were concerns that he looked frail ... um you know there and others who released the footage or images of him earlier of up to a lot thinner than he was the sound ... and before his capture ... but this was one of the reasons for the secrecy surrounding this according to U S officials Secretary Chuck it on its way out here ... the cast as the development of the reasons but it up the Afghan government that they were now backed ... up ... to have this ... happen and that maybe one of reasons why the acting veterans suffering ... while the Dow more they are very happy and handsome being bypassed it never makes anyone will be very happy when you know ... this post to be in charge of the country but they've also the other objections down about the conditions ... to which are attached to the release all these high level Taliban detainees ... write to five hundred Tasers with the remaining ready for the year to make sure they don't return to the outfield and so are clean and attacks on U S or coalition forces ... what the Afghan Ministry of Foreign Affairs said late Sunday night was that they they should be completely free ... that this was in violation ... of conditions is what allows this ... specificity about this up but it has personally frosty relations between Washington and co will ... break now for instance President Obama recently visited Afghanistan that could mean with President ... Karzai so ... history shows that relations are still pretty touching and and this getting in this poll last POWR I'll out of Afghanistan allow bomb at Taliban ... custody ... that basically today is the Renault more on that that's candidates ... one of the things that really prompting allow speculation here in Afghanistan is what this means in terms of ... America's policy towards towards Afghanistan ... whether or not that Washington is essentially I'm up of loose ends ... in even though there is a plan in the works to keep some small residual force here after the end of this year ... they're a lot of doubts in some people's minds of many miles of track officials politicians ... I'm an ordinary Afghans about that the decrees reach of abuses committed stay here ... so ... that ... could've been kind of loose ends a lot of ways ... it seems the signal especially when it doesn't necessarily be ... it's not a surly looking forward the peace peace process ... a trio of concern ... from counterfeit trade has finally without thank you Brian much may not tell the Wall Street Journal reported ...


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They were all headed towards the Friday assembly. There were five assembly rooms, one for every eight floors. Felix's was on the 16th floor. He worked on the third. It was a good enough walk, if he could avoid the crowd.
Monday morning and Friday evening assemblies were the kind of ritualized affairs no one even bothered to make fun of. If you were to go into a room full of Intellatrawlers and start cutting up about Chairman Aung Thwin's Friday sermon on excellence, with dead on impersonations of his voice and slightly exaggerated pantomimes of his characteristic moves, no one would laugh, they would stare glassily and wonder what you were talking about. People showed up, took their seats, fixed their eyes upon their chairman's cheaply reproduced three dimensional alias and watched it deliver his thoughts on a number of recurrent themes, in an emotionally distressing monotone, like a man who never blinks. Often these talks touched on loyalty, work, and life's uncertainty.
Small spurs off the main Intellatrawl Trunk were dark, crammed with cell like offices, but the main hallways were brightly lit and the walls were painted in bold colors, the sorts of colors that make us happy, green, yellow and pink. The floors were unpolished stone, they felt cool to the foot. The air smelled faintly of the woods, of wet bark and wild flowers blooming in the first morning light. Overhead were signs of encouragement, in vibrant neon.
Some were more topical or exhortatory than others:
These bright bromides passed above the heads of Intellatrawl associates without catching their eyes, but new employees were sometimes puzzled by them, getting bumped along the way if they paused to figure them out.
Felix and the others strode up to the 16th floor. It was a long, slightly banked hall. From any spot a person could see three floors in either direction. Without a murmur they filed in and took their usual seats, not assigned but assumed by custom. His was almost precisely in the middle of the raked room. The walls were brown metal rods on a white clay background, and the seats were white, composite buckets. The whole room pitched down towards the small presentation area, where a wooden podium was set up. No one wasted time in getting seated, they didn't clear their throats or cough. The lights overhead dimmed and some serene yet inspiring music warbled out of the walls. The wall behind the podium glowed a dark blue and in walked Chairman Aung's holographic alias, in a simple paper suit. He wore round, steel framed glasses, had a full head of black hair and skin so white you could powder it for house paint. His eyes were serious, dark, like pits beneath his brows and his red mouth was fixed. He flickered, almost at one point zipped out, and walked to the podium. Once enough time had elapsed for the entire Intellatrawl nation to come to attention, he smiled.
"Greetings my friends. It is Friday, the end of our week. I know you are all tired with your final effort, that last mile to which you always give your all, with unflagging attention and devotion. I thank you all. Not a penny here is earned unless you go out and earn it.
"This week I'd like to remind you that every effort towards excellence is its own reward and that you can expect both love and perfection to be a part of your organizational lives.
"The Motivated associate doesn't wait for perfection to happen but seizes upon every opportunity to achieve it, to proactively perfect our workplace and take Intellatrawl all the way to the top, where we belong.
"But just as love and perfection exist in our organizational lives, so might they elude us at home. And so, as we leave each other on this beautiful Friday evening to join our families at home, let us remind ourselves that life may not be perfect. Our children cry for no reason at all. They throw food on the floor, curse and run off. Our husbands and wives betray us or we betray them. Our parents live in far off places, stubbornly refusing to come to their senses, suffering diseases and dementias caused by the long and painful decades of loss, followed by their brave reclamations.
"Though we may, through the miracle of genetic medicine, live to the Methuselean ages of 110 or 120, many of us will fail to establish stem cell lines, or will die of an unnamed disease with no known treatment.
"Accidents, disasters, and crime beset us. We do not control our world. Failure is surely a part of life and we must learn to accept and even embrace it.
"Until Monday then, I leave you all in peace."
Chairman Aung, oscillating at his customary rate, traveled across the room and vanished in a spark.
The associates stood and left, in waves of grey and tan suits, linen, hemp and cotton, and playing above this wave, a few coats of loosely woven metal, gossamer capes of gold, bare shoulders showing through, copper headscarves and platinum wraps, pastel synthetic jackets with one belly button and shoulder pads. White shirts and crepe shoes and loose black pants stood at the doors and merged.
After about a half an hour Felix exited the Intellatrawl door. He and Veronica did not yet own a hovercraft. They commuted via Amphibatrains, to their home in Rockland, on the west bank of the Hudson.
He struggled to breathe. The air smelled of burning rubber. Hovercraft droned about in the evening light, into celadon sky. Gnat swarms caught on his eyes and lips, he brushed them off and spit. He still felt flutters of joy on Friday afternoons, walking quickly even with the late summer heat. Free of the chair, of the graphs and numbers, of the bleeps. And the feeling would persist till right before he opened his door and realized Veronica was about to offer up to his lips her medicated cheek.
He stood on the concrete platform, beneath a composite shelter, nonreflective, grey and violet and pink, watching for the Amphibatrains. The train arrived silently and hissed to a stop. It was like a glass log with dorsal, wing and tail fins. The doors popped up and Felix entered the chilly car in a crowd of Intellatrawl associates. They pushed and wiggled into position. Felix got a seat between two people.
He tried not to look at anyone directly. He looked at people's knees and waists and rear ends. He looked at his feet. He tried looking at the bamboo and pines on the hills, and pampas grass growing thick on the slopes between land and water. No matter what he looked at, he could still smell and feel all the people. It wasn't like he could read their thoughts, it was like he could feel the volume of internal chatter. Like insects chewing leaves.
Slowly the car filled with murmurs. The man in the black wool suit to his left spun into a restless sleep and began to snore fitfully. The train hummed and rocked, picking up speed. As the liquor went around, voices grew louder, and soon there was laughter.
Felix divided their relationship up into three stages. Stage one began imperceptibly almost, with a flickering between their eyes, of signals sent and not received, received but never sent. An evanescent thing between them that developed of its own accord into a crush. They read together in the library, drank in the afternoons at a variety of grad student dives on Broadway. They participated in a staged reading of The Tempest, rode out to New Jersey on the Amphibatrains to drive cars, spent afternoons in November wandering the gentle ruins of Central Park or the decayed halls of the Museum of Natural History.
Soon they were living together, in a crusty old apartment on 106th Street, between Broadway and Amsterdam. They sweated and fucked in front of a roaring fan, watched t.v. all night and drank cheap espresso in the mornings in their underwear, watching the angry, impatient, lovely world conspire below. They were wholly for each other. No one else existed except as barrier or entertainment. The ugliness and folly of the world stood at a comic distance. All discord was resolved in the system of their boundless bodies. As the practical demands of life intruded they experienced a redivision of their collective self into two functioning, differentiated selves that nonetheless incorporated so much of the other that what they became was two complementary composites. Where one left off and the other began was permeable.
Felix looked at the sleeping man's head, at the pores of his skin in the shaky light, the pink scratch left by a razor on his jaw, the hair growing out of his ear, the grease shining on his nose, the flecks of dandruff on his scalp. Mucus gurgled in his throat, soft palatal tissue throbbing like a bullfrog.
The woman on his right, with the dry, nearly transparent skin of a centenarian, peered through red Bakelite reading glasses at a sheet of silver electraweave displaying the news. She had black synthetic hair, glossy as if wet, and a perfect set of teeth. The rest of her was flaking off beneath and around these two formidable features. The train dipped down and headed for the river.
They had never planned on any kind of career at all. All their plans were of travel. Then school was over and they had to go to work. The first job offer either received was in sales. Veronica had applied to a small but growing company that distributed outdoor gear for hiking and skiing, located in a strip mall in the Poconos. They moved to a small studio apartment not far from work, on the edge of a state park. Here the first stage rocketed into the second, the great complacency.
It proved to be a delightful setting for the exploration of, and surrendering of, dreams. Slowly they settled into jobs, Felix processing the orders, Veronica handling virtual sales. Soon he was a supervisor and she managed all the operations.
The apartment was the third floor of a small, two hundred year-old house. They had a kitchenette, shower and toilet cubicle, double bed, dresser and two chairs around a tiny circular table. If a storm was up they could go to the basement, but the age of the house was reassuring, and the area was not prone to tornadoes. For the first time in their lives they were free of their parents' expectations, of school, of their own crush.
Now instead of virtual mountains and virtual kayaks on virtual streams they could hike the state park and rent a canoe to take out on the relatively tame rivers in the area. They boated through townships and wooded hills, sailed on lakes, swam in reservoirs and climbed small mountains. Not far away was a CarPark with over two hundred k of road. There were stop lights and turn signals, potholes and yield signs, sharp turns and straightaways long enough to go 100 miles an hour.
They thought that one day they could buy a country house and a car of their own.
Years passed in this way, in which they took morning kisses and Sunday afternoons sprawled naked in front of the t.v. as a matter of course. But then the Intellatrawl jobs came up, through an associate they dealt with there, a buyer and seller of antique inventories. Without thinking about what they were leaving behind, assuming the additional money would give them more of what they had, time and joy, they bit and moved to Rockland.
Life on the west bank of the Hudson was more varied, more cosmopolitan. The views of the river from the levee park were grand, but the trees were genetically modified pines and bamboo, they had no smell, and they could never ride a horse. They had a Shakespeare subscription and ate out in nice restaurants and the one bedroom on the cul de sac was much larger. If the climate was hotter, nastier, more humid, at least their home had perfect air, and space for clothes and things.
With the extra money they decided to start a stem cell line and have children. They bought a cryovac package deal and Veronica produced six embryos in five years. Two would be children, the remaining four would go to the stem cell line. The package included two non-inheritable genetic modifications. They chose longevity and musical talent over dozens of options, like height, beauty or athletic ability.
It was a form of coasting, a life drifting into ritual. Friday French food, virtual book club, sex three times a week, yearly vacations somewhere in the far north or the Rockies. Christmas with her parents in Florida, Thanksgiving with his parents at a hotel in Manhattan. They were no longer saving for a car, but for a hovercraft.
The ritual, starting with work, began to degenerate into a stultifying sterility. It was in fact not a life either of them had ever dreamed of having. They had no friends to speak of because they hated people like themselves. And the selves they loved in each other were disappearing, under a load of dull routine.
Now the newspapers spread between their nude bodies were no longer flimsy hemp but copper electraweave. Even so it served as a prop for an empty voice: "There's a rock trio playing an all Hendrix program on original equipment, Saturday night."
"Do you want to see the Jazz Orchestra play on the levee?"
"No, Basie."
"Look, there's a total sound immersion at three. Your body becomes the instrument. Feel what it was to be Bach's organ."
Their faces, more beautiful at 35 than at 25, eyes like still drops of human pain in an endless, frigid dimension of space, the candle light between their irises, as they sat in a calm, poised against black restaurant windows. "The rolls are warm tonight."
"Did you get the real butter?"
"I've never had New Zealand lamb."
"Maybe," he said, picking apart a chicken breast with knife and fork, "we should become vegetarians." He often thought this while eating extruded meat products, but why bring it up while slicing into the real thing?
The train dipped down suddenly. He looked out the window. As the cars uncoupled (without slowing down a bit), he felt the moment of freefall; thrilling, to be suspended in nothingness, however briefly, before striking the water, each car heading across the Hudson to a different rail link. He never tired of watching the thick tubes with their quiet green and red reflectors at intervals on the top, the blinking tail fins and dorsals, each car nosing through the rough water while a carnival of other crafts evaded the wake. It was a silent world, hot and attractive but removed, far beyond the hard thick walls of the amphibatrains.
Veronica was the first to crack. The prolonged stasis of the second stage provoked the chaos of the third. It was like an aesthetic, a creative renaissance marmorialized in a classical period followed by decadence.
It started with complaints–work was boring, stupid–then became metaphysical, why do we work so hard, for what? But this was their agreement, silently negotiated, a future they conspired to make.
"Couldn't we move out west?"
But everyone was moving out west, there were no jobs. That was when he unwittingly became the voice of reason. It was a voice poised against himself. He hated the cul de sac as well, and the job, and the idea of a job. In the midst of this initial churn they reacted by clinging together tighter, more desperately. They'd come home from work, bathe and then begin to fuck, wordlessly, brutally, tearing away at something they didn't understand, trying to rend the curtain that had descended between them. One night as he was ramming away at her, as she bucked to meet his pelvis and he collapsed onto her sweating breasts, his lips pulsing in her ear and little gasps escaping he felt a trickle of hot liquid on his cheek. He lifted off and looked down. For the first time Veronica's eyes had that raw red look that would become so familiar.
"I'm sorry," she sobbed. "I'm just so afraid."
"Afraid? Of what?"
"Of losing you."
Gently, he said, "Oh baby," and touched her cheek, tears brimming up in his own eyes now. "Never. You will never lose me, I would never go. Never."
But that was probably not what she had in mind.
Over the next few years their meals became more and more catatonic. She was often ill, vomiting for days on end. She broke things, injured herself, didn't talk but brooded incessantly over things. They saw the Intellatrawl doctor. He prescribed physical therapy, walks, swimming and meditation. Then came the medicines, anti emetics, appetite stimulants, tranquilizers. They rarely made love and when they did it was quiet and desperate or mechanical, a release of his load of semen and her load of guilt. Everything they had once enjoyed was now a source of pain.
Then came the deaths. Her father was bitten by a rabid bat while sleeping out one night on the everglades, and didn't know it until it was too late for treatment. He went mad and Veronica's mother shot him and then herself. A year later Felix's father had a series of strokes and lay in a coma awaiting reconstructive brain surgery. His mother, in a paroxysm of grief, overrode the program controls of her hovercraft and it crashed fifteen k out in the Gulf of Mexico. It felt then like some monstrous beast had arisen to raven their lives.
Now she began to rave and he found himself drinking alone after work, just to avoid going home to the scenes and abuse.
Intellatrawl Dr. Tarlton prescribed her first course of Euphorics, saying that grief was natural but Euphorics could restore her balance. Nothing worked. She went on medical leave and was finally fired.
They had to live on his income alone now. Everything grew precarious. There would be no more saving up for a house or a hovercraft. No more fantasies of moving out west or to Alaska. No recreational car. His job just covered the necessities, insurance, retirement fund. It was just enough to keep them alive. He worried about everything. He worried about the embryos and stem cell line. He worried about his own dumbfounded confusion and melancholy, his need to somehow smother an outraged protest against life, his need to demolish every conscious thought with alcohol. He was worried that Veronica would do something genuinely crazy.
Of late, he began to feel jealous even. Thoughts nibbled away at him, that she might be with someone else during the day, that she might be masturbating. Even her madness made him jealous. As she drifted off he became possessive and this he experienced as a kind of insanity, as one part of him warred against the other.
The amphibatrains reassembled as they crossed in a breathtaking, technological ballet and then bumped up onto the rail at the Newburg tunnel, a brief, steep climb up through the towering levee and onto dry land. In a few minutes they hissed into the station. The snoring man sucked in breath, his eyes popped open and he stood, with Felix and the old woman. They exited the car.


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This is my second High Anticipated instrumental mixtape series "Hit Factory" Vol.2 These Beats are for PROMO USE ONLY you CANNOT resell for profit! But feel free to record & make songs to them. With that being said Download and enjoy this Masterpiece!
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Original drawing done during Q + Art Episode 2, Facebook LIVE session on October 28th, 2016 featuring Charlie Cox as Daredevil.
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New Derby County boss Frank Lampard says he's missed the 'cut-throat' nature of football.
The former Chelsea and England midfielder was unveiled as the Rams' new manager yesterday (Thursday 31st May).
Lampard said: "I'm a young manager, freshly retired, I feel like I know the dressing room and the needs of the dressing room.
"I will open that up very quickly to all the players. It's a blank canvas to me. There's a lot of hard work to be done."
Click on the video for more from Lampard's first press conference.


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To say that there's a lot going on at the NSA that the general public is unaware of is something of an understatement. As people like Edward Snowden have long proven, the NSA has its hands in just about everything. As the world's leading most authority on surveillance, there is very little around the globe that they DON'T have their hands in at any given moment. However, the true extent of that reach has gone largely unnoticed – until now.
Over the course of the last few years, it has been revealed that the NSA actually has something of a "secret toolbox" that produces specialty equipment in nearly every category you can think of. From spyware designed to infiltrate even the most heavily protected computers to USB sticks that double as devices to siphon information from any device they're connected to, this "catalog" reads like something out of a classic 1960s spy movie come to life.
Much of the gear in this "secret toolbox" comes by way of the NSA's TAO, or "Tailored Access Operations" division. When an NSA official needs to crack an uncrackable security system or infiltrate a particularly sophisticated network, they turn to the experts at TAO to arm them with what they need. TAO is something of a "nuclear option" for the NSA – they're who you turn to when conventional methods just aren't cutting it.
In an internal NSA document obtained by Spiegel from 2004, a particular strain of spyware was described dubbed "VALIDATOR." The purpose of "VALIDATOR" was to be able to provide a unique backdoor entry point into the personal computers (remember – tablets weren't around in 2004, let alone smartphones as we know them today) of people who were of national interest. Most notably, the definition of "natural interest" is specified as "including BUT NOT LIMITED to targets of terrorism and related activities."
What's interesting is that many of the items in the NSA's secret toolbox are geared toward specific types of devices and systems. The NSA doesn't just have a specific strain of malware to break into a mobile phone – they have one for the iPhone, one for the Android platform, etc. This makes sense, as often everything from device hardware to the operating systems that power them can vary wildly from one model to the next.
Part of the success in this area comes down to the fact that the NSA targets products made by popular American manufacturers – the types of devices that the people they want to spy on are probably using – and finds a way to break into them directly. The NSA offers malware and other hardware-based spying devices for desktop computers made by companies like Dell or Hewlett-Packard, for example.
While many of the devices in the NSA's secret toolbox are predictably sophisticated, some of them are downright simple. One item is a "rigged monitor cable," for example, that replicates the information being displayed on the monitor of a person being watched onto a secondary screen manned by NSA personnel. Armed with only bare-bones technology, all one would have to do is replace a regular monitor cable with this facsimile, and everything they do online could be spied on – no hacking required.
Other examples include a base station that makes it possible to mimic the cell phone tower of a network that a target is using, allowing someone to see exactly what they're doing on their phone at all times WITHOUT requiring physical access to the device.
At the end of the day, all of this goes to underline just how far surveillance technology has come in a short period of time. The next time someone tells you that a particular spying technique is "too far-fetched to really exist," just remember – when it comes to the NSA's secret toolbox, you don't know the half of it.


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Process and Performance Improvement
Improve Your Organizational Batting Average by Reviewing and Redesigning Inefficient Processes and Procedures…
"Just as Better Body Mechanics can Improve an Athlete's Ball Hitting Process, Your Team's Performance will also Benefit from Operational Revitalization."
Whether it's an athlete or a corporation, the concept of performance improvement is applicable to both individual and organizational execution.
T&L Consulting's process and performance improvement services will assess your current level of process performance using our lean six sigma review strategies uncovering bottle necks, non value-added tasks, and process inefficiencies.
Most organizations stumble into the process danger zone without ever realizing it. This is the practice of repetition and duplication based on the belief that what once worked will continue to do so. However, time is an animal that never stops moving forward, if you haven't been keeping pace, you're likely further behind than you thought. It's not too late…
The primary goals of process and performance improvement are to increase your organizational effectiveness and efficiency…enhancing ability and capacity via the analysis of processes and procedures in relation to recognized best practice methods and your organizational potential.
What is your potential…
"Measuring Performance is Achieved Through the Study of Effort Expended Versus Results Attained."
The T&L Consulting's approach to improving an organization's performance is a 5-step process:
- Lean Six Sigma quality assessment
- Process mapping, transformation, design, re-design and optimization
- Performance measurement, analysis and reporting
- Benchmarking and target setting
- Operational improvement training, mentoring and capacity building
Our proven method of structural analysis, breakdown and reconstruction will alleviate cumbersome input requirements, minimize time and resource utilization, improve your outputs and enhance the overall desired outcome.
"The Measurement of Our Success, is Your Success."
T&L Consulting guarantees to open the window to your greater prosperity. Whether you're a senior manager in the public sector or an owner of a mid-level local business, we will help you accomplish a better working place.
The by-product of improved performance is increased capacity and effectiveness…and that leads to motivated employees, manageable workload, less protocol driven red tape, and more streamlined and understandable policies and processes.
Why wait another minute? Call now for your free consultation… 613-680-4333. Discover the Difference of a T&L Consulting Guarantee Today.


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Rocker, Rudolf°
Rocker, Rudolf°
ROCKER, RUDOLF ° (1873–1958), German-Christian anarchist, editor, writer, and translator. Rocker, who was born in Mainz, grew up in a Catholic orphanage, and became a disciple of Prince Peter Kropotkin, the Russian anarchist. In 1895 he went to Liverpool, where he founded and briefly edited the Yiddish monthly of social theory, Germinal. In 1898 he settled among the Jewish community of London's East End, and became both editor of the Yiddish anarchist newspaper Der Arbeter Fraynd and a leading figure in the Jewish anarchist movement. Rocker edited the paper until the outbreak of World War i, when he was interned as an enemy alien by the British. The paper was suppressed, and the anarchist club closed. After the war Rocker was deported to Germany. He was forced to flee when Hitler took power and subsequently went to the U.S. (1933).
Rocker translated works by Maxim Gorki, Jean Grave, Kropotkin, Friedrich Nietzsche, Fritz Lemmermayer, Johann Most, and Max Nordau into Yiddish for the benefit of his fellow anarchists. He also wrote a three-volume autobiography in Yiddish. A portion of this, dealing with his experiences in the Jewish anarchist movement, was translated into English and published as The London Years (1956).
W.J. Fishman, Jewish Radicals: From Czarist Stetl to London Ghetto (1975); P. Wienand, Der "geborene" Rebell… (1981); H.M. Becker, in: Schriften der Erich-Mühsam-Gesellschaft, 7 (1995), 43–62; M. Graur, An Anarchist "Rabbi"… (1997).


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HALIFAX, NOVA SCOTIA--(Marketwire - Nov. 19, 2012) -
Killam Properties Inc. ("Killam") (TSX:KMP) is pleased to announce that it has reached an agreement with a syndicate of underwriters led by RBC Capital Markets to issue to the public, subject to regulatory approval, on a bought deal basis, 2,500,000 common shares (the "Shares") for $12.00 per Share for gross proceeds of $30,000,000. In addition, Killam has granted the Underwriters an over-allotment option for the purposes of covering the Underwriters' over-allocation portion for an additional 375,000 Shares, exercisable up to 30 days after closing of the offering.
Killam intends to use the net proceeds from this offering to repay certain indebtedness, including the redemption of its $10 million of unsecured subordinated debentures which bear interest at a weighted average contractual rate of 6.16% and mature on January 4, 2013, and the balance to fund future property acquisitions and developments, and for general corporate purposes.
Killam will, within the next few days, file with the securities commissions and other similar regulatory authorities in each of the provinces of Canada, excluding Quebec, a preliminary short form prospectus relating to the issuance of the Shares. Closing of the offering is expected to take place on or about December 10, 2012.
This press release is not an offering of securities for sale in the United States. The Shares being offered have not been and will not be registered under the United States Securities Act of 1933, as amended, and state securities laws. Accordingly, the Shares may not be offered or sold in the United States absent registration or an exemption from the registration requirements of that Act.
Corporate Profile
Killam Properties Inc., based in Halifax, Nova Scotia, is one of Canada's largest residential landlords, owning, operating and developing multi-family apartments and manufactured home communities.
Note: Certain statements in this report may constitute forward-looking statements relating to the offering, our operations and the environment in which we operate, which are based on our expectations, estimates, forecast and projections, which we believe are reasonable as of the current date. Such forward-looking statements involve risks, uncertainties and other factors which may cause actual results, performance or achievements of Killam to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. For more exhaustive information on these risks and uncertainties, you should refer to our most recently filed annual information form which is available at www.sedar.com. Readers, therefore, should not place undue reliance on any such forward-looking statements. Further, a forward-looking statement speaks only as of the date on which such statement is made and should not be relied upon as of any other date. Other than as required by law, Killam does not undertake to update any of such forward-looking statements.
The Toronto Stock Exchange has neither approved nor disapproved of the information contained herein.
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If you practice adulting at all whatsoever then you are probably somewhat familiar with how health insurance works. And according to the IRS and our government, most of us should have some type of insurance in place whether we acquired it through our employer, privately, or the controversial obamacare.
As a self employed individual my previous health insurance was sub par at best according to my government, so I had to choose an obamacare plan.
I pay a premium fee each month so that I can have a low deductible and that deductible is $900 out of pocket yearly. Remember that, it will be important down the road.
Several months ago my occasional migraines became a weekly occurrence, typically right after long runs so I cut those down, but the headaches continued to increase in frequency and currently they are happening almost daily.
I had an MRI of my brain and it showed some white matter lesions which I've had for about 8 years. There were no new lesions of any significance though and that meant there was no diagnosis. Back to the drawing board.
Then came some additional pain, this time in my neck and low back with some weakness in my right arm and left leg. After what seemed like months, (because IT WAS), my doctor got me in to see a neurologist and he ordered four additional MRI's and tests. I'm pretty sure the lab took out half of my blood and I thought for sure they would find out what was going on.
If I didn't feel bad enough already I had to pay a co-payment for each and every one of those MRI's which by my calculations is more than the insurance company has paid for their portion.
I'm a stickler for making sure things are paid because I don't want any surprises later down the road so I check the claims every few days to make sure they're paid. I also have to get approval for each and every test I have outside of my regular doctors office or else they wont pay the bill. Calling to expedite the pre approval process and then to schedule the test is a part time job in and of itself.
The imaging center I originally chose for my MRI's was on their covered providers list and I got pre-approval and went in. The MRI center recently changed their name as they were purchased by a huge conglomerate so the last four MRI's have not been paid and there are thousands of dollars in fees on my statement that are in dispute. According to the insurance company the MRI lab is now an out of pocket provider. So, I spent two hours explaining a simple name change to the insurance company this morning but so far they are still declining to pay the bill.
This morning the hospital called and reminded me that I have an EEG scheduled for Friday and that my co payment is only 260 dollars. She then cheerfully added that I'm almost to my max out of pocket, only 200 dollars to go before insurance will pay 100%.
Insurance companies have their own math. By my calculations, I've paid out of pocket over 1700 dollars and that's IF they pay their portion of the four MRI's, bastards.
To say I'm frustrated would be like saying the Eiffel tower is sort of tall. I'm stupid pissed. Walter White pissed.
All of this is making me ill.
Most accurate meme ever.
WTF it's Wednesday and my insurance is making me sick!


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I get a lot of good questions sent via comments or email and thought they might be of interest to others besides just the person who asked. So here goes: Continue reading FAFSA Questions
Category Archives: Coverdell ESA
Series EE and I Bonds
Many parents and grandparents purchase education savings bonds– series EE or series I bonds– to pay for college. These bonds are tax-free within some limits, and it's not uncommon for families to find out too late that they've landed outside the limits. Continue reading Series EE and I Bonds
College and the Tax Bill
The final version of the tax bill has some changes to the education-related items that caused a bit of an uproar in previous versions. Here is a quick summary: Continue reading College and the Tax Bill
College Savings Plans in the Tax Bill
Both versions of the tax bill– House and Senate– include changes to education tax benefits. One area of both change and confusion is college savings plans. The bills aim to consolidate some of the education plans: loans, tax credits and tax-preferred savings accounts. Continue reading College Savings Plans in the Tax Bill
Education Tax Credits
If your income is less than $180,000 (married filer) or $90,000 (single), you may be eligible for the American Opportunity Tax Credit while your student is in college. This is a credit of up to $2,500 annually, so nothing to sneeze at. Here's the catch: You can only take the credit for expenses for which you did not use another tax benefit (i.e., for expenses paid Continue reading Education Tax Credits
529 Plans and Off-Campus Housing
So, your student is moving out of the dorms and into an apartment this year. Can you still use your 529 funds to pay for housing? Yes. Do they need to save every single grocery store Continue reading 529 Plans and Off-Campus Housing
Obama's Proposed Changes to 529 Plans
Part of President Obama's proposal to "simplify the tax code" includes significant changes to the tax treatment of 529 plans and Coverdell ESA accounts: for new contributions (i.e, after enactment of this proposal, should that happen) distributions would no longer be tax-free, even if they are used for qualified education expenses. The proposal doesn't just remove benefits; it also expands the American Opportunity Tax Credit and eliminates the tax on student loan debt forgiveness under certain income-based repayment programs.
The logic behind the proposal is this: Improving the education tax credits (which are scheduled to expire in 2017 under current law) increases the benefit to students from middle-income families, given the income caps in place. 529 plans and Coverdell ESAs disproportionately benefit students from wealthy families, since 70% of assets in the plans are held by families with incomes above $200,000, per the Federal Reserve. In addition, the increased tax revenue from plan withdrawals would help fund the President's proposal to provide two years of community college free.
Before you start to yell and scream that this is extremely unfair, a couple of things:
- Read Savingforcollege.com's article on the many reasons that this proposal is highly unlikely to be enacted.
- Remember that this would only apply to new contributions to these plans, after the proposal is enacted. If that isn't a good reason to up your plan contributions sooner rather than later, I don't know what is.
Matching 529 distributions to qualified expenses
So Junior is off to college and now it's time to start paying the bills. For those who have done a good job putting money away in a 529 account, it's important that you time your distributions in the same year as your expenses. It's time to learn about two forms: the 1099-Q and the 1098-T.
The 1099-Q reports your withdrawals from a qualified tuition program such as a 529 or Coverdell ESA in a calendar year. The 1099-Q goes to the person who received the withdrawals. So if the withdrawal went to you, the parent, then you will receive the 1099-Q. If the withdrawal went to the student, then the student will receive the 1099-Q. (See my previous post about why you would want withdrawals going to either the student or parent.)
The 1098-T is provided by the college and details qualified tuition and related expenses for the year. The 1098-T is issued to the student, regardless of who pays the tuition. Check with your school to see what exactly is on the 1098-T. Typically room and board expenses, even if paid to the school, are not, though those are qualified higher education expenses.
IMPORTANT: The 1098-T can show either amounts billed or amounts paid. If the amount is in Box 1, then it's the amount paid. If it's in Box 2, it's the amount billed. Your distributions can only be used for amounts paid. So if you receive a bill in December that is due in January, wait until January to take the distribution from your 529 account. If your withdrawals exceed your expenses paid, then you'll be subject to tax and the 10% penalty.
Many schools offer the opportunity to prepay all four years of tuition in order to lock in current rates. This can be a good deal, but beware the consequences of withdrawing the full amount from your 529 plan. Most schools still only credit you each year's tuition expense annually, even if you prepay. If that is the case, then you need to come up with other money to prepay the tuition and then reimburse yourself annually from the 529 plan. Otherwise, you might pay a 10% penalty to achieve a 7% savings. Check with your school if they make this offer.
And don't forget, you can't double-dip on tax benefits. What that means is, if you plan to take the American Opportunity or Hope tax credit, you need to pay some of your qualifying expenses with cash flow, not 529 plans. You can't use tax-advantaged funds to pay for something and then also take a tax deduction for the payment. Here is more info on the AOTC and Hope tax credits.
Coverdell ESAs
Given the lower contribution limit—$2000 annually per beneficiary—many people wonder why anyone would bother with a Coverdell ESA, compared with a 529 plan. Here's a quick overview; maybe you'll find that a Coverdell ESA should be part of your college savings planning as well.
Coverdell ESAs work a lot like Roth IRAs and 529 plans: You contribute after-tax money to them, and future withdrawals are tax-free. Like 529 plan withdrawals, Coverdell ESA withdrawals are not counted as income in aid formulas. So, what's different? Several things:
- Qualifying expenses: Funds in Coverdell ESAs can be used for K-12 expenses, in addition to college expenses. For K-12 expenses, a qualifying school is any elementary or secondary school as defined under applicable state laws—which may include home schooling. If you have a child in private school, or intend to send one to private school, a Coverdell ESA can be a big help. Likewise if you intend to home school, you may be able to use a Coverdell ESA to cover some of the costs you incur.
- Investment choices: Coverdell ESAs are self-directed investments. That means you open the account and you choose the investments. Many custodians, including Schwab, USAA, State Street Bank, Scottrade, TD Ameritrade, Capital One and more, offer low-cost Coverdell ESAs.
- Income limits: Joint filers need MAGI below $190,000 in order to contribute to a Coverdell ESA. If your income is above that threshold, you can gift money to your child who can then open the account.
- Beneficiary changes: Coverdell ESAs let you change the beneficiary to any other family member who is under age 30.
Donors and custodians may impose restrictions or rules so if you think a Coverdell ESA might be a good fit for your family, be sure to read all the fine print before investing.


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Katerina Psoma
Cyclos Gold Plated Brass Hoops
This gold plated pair of metal hoops is ideal for an everyday look. In the center, an angular curve gives a contemporary twist. Refined and elegant, these earrings are perfect for an understated, elegant look.
- How to wear it: with a beige cashmere sweater and jeans.
- Masterfully crafted in our Athenian atelier.
- All KP items are delivered in a velvet pouch placed within our branded paper box.
- Metal: matte gold plated brass metal
- Dimensions: Lenght: 4 cm


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030 243 1961 / 054 734 6146 / 026 662 2548
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Soon you'll be able to play at a brand new site called Hashtag Bingo! It seems the creators are going for a social media theme with this one, taking the popular hashtag trend from sites like Twitter and Instagram.
It comes from the Jumpman Gaming software which is well-known in the online games world. It's also part of the Wheel of Slots network which many new websites are now opting for.
Be sure to check out some of these alternative sites while you wait for this one:
Visit this page to see more bingo sites from the Jumpman Gaming network.
New players will get a chance to spin the wheel when they join and this decides what kind of welcome bonus they'll receive. Once the site opens fully we'll be making a complete Hashtag Bingo review detailing all of the features and promotions available here. Be sure to keep checking back to find out when this brand will be launching for players.
We are hoping there will be a good selection of different games to play at Hashtag Bingo. It is likely that there will be 90 ball and 75 ball games along with slots and maybe other sideline features to play as well. As we said, keep checking back to our full review when the site goes live to learn about all the offers as soon as they're available.


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Paint Pens & Markers
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Marker pens can be used exactly like regular ink permanent markers, but without the drawbacks typically associated with them. The acrylic paint is highly tenacious, able to write on almost any surface, and on any substrate colour. The very high opacity ensures outstanding colour vibrancy and visibility, and the advanced pigment technology delivers very long lasting, zero fade performance. Tenacious resin binds paint to the writing surface almost eliminating the problems associated with accidental rub-off and will not wash off with water/rain.


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February 2, 1994, Section A, Page 13Buy Reprints
He escaped from the tough cold streets of Chicago's South Side, finding safety and success in the serene environments of Milton Academy, Harvard and a prestigious Boston law firm. Now, the survival skills and pragmatism that Deval Laurdine Patrick acquired in his 37 years will be tested in what has become one of the toughest jobs in Washington.
As President Clinton's nominee to be the Assistant Attorney General in charge of the civil rights division, Mr. Patrick will oversee a department of 240 lawyers -- an administrative task beyond anything he has yet tried.
He will move through the politically charged arena of civil rights issues without Washington experience, in a Justice Department that is in some disarray, for a President who has yet to define his civil rights goals and with the knowledge that he is the third choice for the job.
It is a challenge that might cause Mr. Patrick to wish he never left his job as a partner at Hill & Barlow in Boston. From Poverty to Success
But then, Mr. Patrick's entire life has been one of overcoming obstacles. His rise from poverty to success is the kind of story that even some conservatives would cheer even as they criticize his nomination.
"He's a very able young man," said Reginald Lindsay, a former colleague of Mr. Patrick who is now a Federal district judge in Boston. "He's 37 years old, but he has crammed in that 37 years some very important experiences which would aid him in this job. And he has natural gifts: acuity of mind, the ability to state clearly a position once it is decided on and taken. And he is a very, very effective advocate."
Mr. Patrick, who has devoted about 30 percent of his time to handling pro bono cases, is also a family man who shares the responsibility of rearing his two daughters equally with his wife, Diane, and who is an accomplished cook who can whip up a mean chili or a delicate fettuccini al fredo.
Friends and former instructors say Mr. Patrick will be especially strong in an aspect of the job that has was sorely lacking in the last two Republican administrations: forceful articulation of the need to enforce existing civil rights laws.
"He will be a standout performer on McNeil-Lehrer," said Christopher Edley Jr., associate director of the Office of Management and the Budget who taught Mr. Patrick at Harvard Law School. Litigator, Not a Theorist
Friends say Mr. Patrick is civil rights litigator rather than a civil rights theorist like Lani Guinier, a law professor at the University of Pennsylvania who was Mr. Clinton's first nominee. She produced long and controversial law review articles about how to insure proportional representation for blacks; ultimately, her writings sunk her nomination.
Potential critics will not be able to find an extensive paper trail of academic writings by Mr. Patrick. But some Republicans have already said they plan to oppose him because of his association with several thinkers and advocates they regard as overly radical, including Ms. Guinier, a good friend and former colleague.
The new nominee was born in 1956, the son of Emily and Pat Patrick, a jazz musician. When Deval was 4 years-old his father, a baritone sax player, deserted his family to join up with Sun Ra, the musically innovative leader of a jazz band that was popular in the 1960's and 70's.
The father's desertion left the family impoverished, and Deval, his mother and his sister spent several months on welfare. Helped by a Scholarship
School for Mr. Patrick was the Mary C. Terrell School near Chicago's notorious Robert Taylor Homes, one of the nation's largest and most violent-ridden housing projects.
When he was in eighth grade, a teacher recommended him to a Boston-based program called "A Better Chance" that gives poor children scholarships to to prestigious preparatory schools. Through the program, Mr. Patrick attended Milton Academy in Massachusetts.
It was an alien world, so removed from Mr. Patrick's family experience that when the school told him he would need a jacket his grandmother brought him a windbreaker. It wasn't until he arrived at Milton that he found that they meant a blue blazer for dinner.
"Milton Academy was kind of watershed for him," Judge Lindsay said. Mr. Patrick is now on its board of trustees, lives near the school and sends his older daughter there.
At Harvard, Mr. Patrick soon began to exhibit what friends and admirers say are his leadership qualities. He was elected head of the law school's Legal Aid Bureau, which provides legal services to indigent people in the Boston area. Teammates selected him to make the oral argument when they made it into the finals of the school's Ames Moot Court Competition. The judges in the competition named him the best oralist.
After graduation he worked for the NAACP Legal Defense and Education Fund Inc., specializing in death penalty appeals and voting rights cases. In one case in 1985 he helped win acquittal of a group of civil rights advocates in Alabama who had been charged by the Justice Department with voter fraud for their attempts to have poor blacks vote with absentee ballots. In another case he sued Gov. Bill Clinton of Arkansas over that state's alleged violations of the Voting Rights Act.
In both cases, Mr. Patrick's co-counsel was Ms. Guinier.


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Bernice Stegers
Great ExpectationsHD
IMDb: 6.4
128 min
A humble orphan suddenly becomes a gentleman with the help of an unknown benefactor.
Actors: Toby Irvine, Ralph Fiennes, Jason Flemyng, Sally Hawkins, William Ellis, David Walliams, Bernice Stegers, Tim Freeman, Alan Rushton, Sheila Simpson, Ralph Ineson, Steve Morphew, Helena Barlow, Richard James, Roberta Burton
Suite FrançaiseHD
IMDb: 6.9
107 min
France, 1940. In the first days of occupation, beautiful Lucile Angellier (Michelle Williams) is trapped in a stifled existence with her controlling mother-in-law (Kristin Scott ...
Actors: Michelle Williams, Kristin Scott Thomas, Margot Robbie, Eric Godon, Deborah Findlay, Ruth Wilson, Sam Riley, Vincent Doms, Simon Dutton, Diana Kent, Themis Pauwels, Alexandra Maria Lara, Nicolas Chagrin, Clare Holman, Bernice Stegers
IMDb: 6.6
114 min
A woman returns to the community that shunned her for her attraction to a childhood friend. Once back, their passions reignite as they explore the ...
Actors: Anton Lesser, Alessandro Nivola, Allan Corduner, Nicholas Woodeson, David Fleeshman, Steve Furst, Rachel Weisz, Trevor Allan Davies, Sophia Brown, Anthony Dowding, Bernice Stegers, Clara Francis, Rachel McAdams, Lia Cohen, Cara Horgan
IMDb: 5.6
84 min
A man who was abducted by aliens returns to his family three years later, but his presence affects them negatively.
Actors: Philip Sayer, Bernice Stegers, Danny Brainin, Maryam d'Abo, Simon Nash, Peter Mandell, David Cardy, Anna Wing, Robert Fyfe, Katherine Best, Robert Pereno, Sean Crawford, Tim Dry, Susie Silvey, Arthur Whybrow
The Guernsey Literary and Potato Peel Pie SocietyHD
IMDb: 7.4
124 min
In the aftermath of World War II, a writer forms an unexpected bond with the residents of Guernsey Island when she decides to write a ...
Actors: Jessica Brown Findlay, Tom Courtenay, Michiel Huisman, Katherine Parkinson, Marek Oravec, Jack Morris, Matthew Goode, Lily James, Stephanie Schonfield, Pippa Rathborne, Emily Patrick, Rachal Olivant, Clive Merrison, Glen Powell, Bernice Stegers


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FCC Proposes Formal Net Neutrality Rules
- FCC Proposes Formal Net Neutrality Rules
- The Commissioners Weigh In
- What is Net Neutrality?
What is Net Neutrality?
Net neutrality is the principle that everyone should have equal access to the Internet. A major e-commerce site, for example, should not be able pay to have their site load faster than a mom-and-pop Web site. ISPs should not block applications at random in an effort to make their networks run faster.
The majority of those participating in the net neutrality debate agree that the Internet should remain open. Where they disagree is whether the FCC, or Congress, should step in and mandate it. Supporters say it's necessary to keep ISPs in check; detractors argue that regulation could stifle innovation and that self-regulation is best.
The issue took center stage in 2007 when Comcast was accused of blocking peer-to-peer sites like BitTorrent. Interest group Free Press filed a complaint with the FCC and in 2008, the agency handed down an enforcement action against Comcast that accused it of unreasonable network management and required it to be more transparent about its practices.
Comcast appealed the ruling, arguing that the FCC did not have the authority to take such action because its Internet Policy Principles on which the FCC based its decision were not actual FCC rules that had gone through an official rulemaking period, but simply guidelines the FCC had come up with on its own. Thursday's net neutrality proposal would make these and the two new principles official FCC rules.
Despite net neutrality criticism from Verizon Communications CEO Ivan Seidenberg, the CEO of Verizon Wireless, Lowell McAdam, teamed up with Google for a Wednesday night blog post in which the two companies described their common goals.
"Verizon and Google might seem unlikely bedfellows in the current debate around network neutrality, or an open Internet. And while it's true we do disagree quite strongly about certain aspects of government policy in this area -- such as whether mobile networks should even be part of the discussion -- there are many issues on which we agree," McAdam and Eric Schmidt wrote.
"Both of our businesses rely on each other. So we believe it's appropriate to discuss how we ensure that consumers can get the information, products, and services they want online, encourage investment in advanced networks and ensure the openness of the web around the world. We're ready to engage in this important policy discussion," they concluded.
Additional reporting by Mark Hachman.


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Effective from 24/05/2018
Our privacy notice applies to the personal data that Interfoam collects and uses.
References in this privacy notice to "Interfoam Limited, ""we", "our", or "us" mean Interfoam Limited (a company registered in England and Wales with registration no 2737780) and registered office at: Unit D Ronald Close, Woburn Industrial Estate, Kempston, Bedford, MK42 7SH).
For the purposes of the Data Protection Act 1998, we are the "data controller".
We control the ways your personal data is collected and the purposes for which your personal data are used by Interfoam Limited and are committed to protecting and respecting your privacy.
The purpose of this notice is to inform you of our policy about all information that we may record about you. It sets out the conditions under which we may process any information that we collect from you, or that you provide to us. It covers information that could identify you ("personal information") and information that could not.
In the context of the law and this notice, "process" means collect, store, transfer, use or otherwise act on information.
We take seriously the protection of your privacy and confidentiality. We understand that all visitors to our website are entitled to know that their personal data will not be used for any purpose unintended by them, and will not accidentally fall into the hands of a third party.
We undertake to preserve the confidentiality of all information you provide to us, and hope that you reciprocate.
Our policy complies with UK law accordingly implemented, including that required by the EU General Data Protection Regulation (GDPR).
The law requires us to tell you about your rights and our obligations to you in regards to the processing and control of your personal data. We do this now, by requesting that you read the information provided at www.knowyourprivacyrights.org
We collect information from you when you correspond with us by phone, email, using our website or otherwise. This includes information you provide when you make an enquiry about our products, services, job opportunities, place an order for our products or services or when we enquire or place an order for your services or products.
We also collect information when you voluntarily complete questionnaires or customer surveys, raise a complaint or when you report a problem with our web site.
You may contact us to ask questions, discuss your concerns, or report issues regarding our products or services. If you communicate with or request information from us, you may be prompted to provide your contact information as well as any other personal data that is relevant to your request.
We collect information about you to carry out our obligations arising from any contracts entered in to between you and us, and to provide you with the information, products and services that you request from us.
Information that may be collected automatically
If you visit our offices, Interfoam uses CCTV for monitoring purposes.
When you use our website, we also may collect certain usage and device information automatically as described below.
We may record the Internet Protocol ("IP") address of your computer or other electronic device when you visit our website.
We may also record information such as your geographical location, your Internet service provider and your IP address. We also record information about the software you are using to browse our website, such as the type of computer or device and the screen resolution.
We use this information in aggregate to assess the popularity of the webpages on our website and how we perform in providing content to you.
If combined with other information we know about you from previous visits, the data possibly could be used to identify you personally, even if you are not signed in to our website.
We also collect information about your use of our website through tracking technologies such as cookies.
Some cookies may last for a defined period of time, such as one day or until you close your browser. Others last indefinitely. Your web browser should allow you to delete any you choose. It also should allow you to prevent or limit their use.
To learn more about cookies and other tracking technologies, including how to disable them, please visit http://www.allaboutcookies.org . Please note that some cookies are essential to the functioning of our website and deleting or disabling them will reduce the site's functionality.
Our website may contain links to other websites of interest. However once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore we cannot be responsible for the protection and privacy of any information you provide whilst visiting such sites and such sites are not governed by this privacy notice. You should exercise caution and look at the privacy statement applicable to the web site in question.
How we use the information about you?
Ultimately we use your personal data to provide you with the products and or services you request, to communicate with you and to generally improve our products and services, and for other internal business purposes.
Your information is used for the following purposes:
These uses may also include the recording, storage, organisation, consultation, use, disclosure, transfer, dissemination, publication (photos), erasure or destruction of personal data.
Our use of your information as described above is permitted by applicable law because it is:
Wherever possible, we aim to obtain your explicit consent to process information that may be personal data.
Sometimes you may give your consent implicitly, such as when you send us a message by email to which you would reasonably expect us to reply. We will continue to process your information on this basis until you withdraw your consent or it can be reasonably assumed that your consent no longer exists.
However, if you do so, you may not be able to use our website or our services further. Please note that the withdrawal of consent will not affect the processing of data which has already occurred.
We only share your personal data with third parties as described below. We do not sell or disclose personal data to third parties for their own marketing purposes.
We have relationships with suppliers, vendors and agencies who help us operate our business and for whom it may be necessary to have access to your personal data in the course of providing services to Interfoam. We will not authorise these parties to use your personal data for any purpose that is not related to the business operations of Interfoam. We require them to handle your personal data in accordance with this privacy notice.
In certain limited circumstances, we may need to disclose your personal data in order to comply with a legal obligation or demand including enforcing or applying our terms of use and other agreements; or to protect the rights, property, or safety of Interfoam limited, our customers, or others. If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, we will take measures to protect your personal data to the extent possible.
We also reserve the right to use personal data to investigate, discipline and prosecute users who violate our rules or who engage in behaviour that is illegal or harmful to others or to others property.
In the event that we sell, merge or buy any business or assets, we may disclose your personal data to the prospective seller or buyer If Interfoam Limited or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
In limited and necessary circumstances, your personal information may be transferred outside of the EEA to comply with our legal or contractual requirements. Interfoam is committed to protecting the privacy and confidentiality of personal information when it is transferred. Where such transfers occur, we will assure that adequate protection exists through appropriate contractual arrangements.
Interfoam does not knowingly collect or use any Personal Data from children. We do not knowingly allow children to communicate with us. If you are a parent and become aware that your child has provided information, please contact us and we will work with you to address the issue.
Retention of your information
We will not keep personal data longer than is necessary for the purpose or purposes for which they are collected. The Company may retain data for differing periods of time for different purposes as required by statute or best practices. Other statutory obligations, legal processes may necessitate the retention of certain data. We will take all reasonable steps to destroy, or erase from our systems all data which is no longer required.
In general, the personal data we collect about you may be stored for ten years following the most recent interaction we have had with you, after which point it will be archived only for so long as reasonably necessary for the purposes set out above, in accordance with applicable laws.
If you send us information in connection with a job application, we may keep it for up to six months in case we decide to contact you at a later date.
If we employ you, we collect information about you and your work from time to time throughout the period of your employment. This information will be used only for purposes directly relevant to your employment. After your employment has ended, we will keep your file for six years before destroying or deleting it.
Data Security
We have put in place procedures and technologies to maintain the security of all personal data from the point of collection to the point of destruction from loss, misuse, and unauthorised access. We require our suppliers and service providers to protect your personal information by contractual means.
Your rights
You have rights under data protection law of access to and rectification or erasure of your personal data and to restrict its processing, to tell us that you do not wish to receive marketing information, and ( in some circumstances) to require certain information to be transferred to you or a third party.
We are subject to the law like everyone else. Sometimes, we must process your information in order to comply with an applicable law or regulation or for the performance of a contract to which you are subject. You may not be able to opt of this processing, or your choice to opt out may impact our ability to perform a contractual obligation otherwise owed to you.
When we receive any request to access, edit or delete personal identifiable information we shall first take reasonable steps to verify your identity before granting you access or otherwise taking any action. This is important to safeguard your information.
Interfoam Limited
Unit D Ronald Close
Woburn Road Industrial Estate
How you can complain
If a dispute is not settled then we hope you will agree to attempt to resolve it by engaging in good faith with us in a process of mediation or arbitration.
If you are in any way dissatisfied about how we process your personal information, you have a right to lodge a complaint with the Information Commissioner's Office. This can be done at https://ico.org.uk/concerns/
Changes to our Privacy Policy
We will only use your personal data in the manner as described in our privacy notice that is in effect at the time that the information was collected from you or as authorised by you.
We encourage you to review our privacy policy regularly, as we may change or update portions of this privacy notice from time to time. Any changes will be promptly posted to this page and accompanied by a new effective date at the top of this page.
This privacy notice was last updated on 24/05/2018.
Interfoam Limited
Unit D Ronald Close
Woburn Road Industrial Estate
View map
Tel: 01234 855355
Fax: 01234 855665


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Flagstone Natural mosaic is a linear shape pattern made up of rectangular shaped stone, glass and brushed aluminum pieces.
The rough texture of the stone presents itself in shades or grey and a rust colour. This fresh mix of textures and colours provides a wonderful back drop for any wall.
This mosaic can be used on shower walls, splash backs, coloumns and other indoor walls for best performance.
This sheet is sized at 298 x 305 x 8 mm and it requires approximately 11 sheets to make up an area of one square meter.
For best application use Progrip mosaic adhesive in the colour of your choosing.
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Progrip White Mosaic Adhesive 5Kg
Progrip Bonding Liquid 1 Liter