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In 2009, 27 year old Lisa Mason died suddenly from liver failure. She had graduated two years earlier from Nursing School, quickly found work and began paying off her private student loans on time and without fail. After her death, while her parents had barely begun to grieve, the first call from one of the loan companies came to remind Steve and Darnelle Mason that they were now responsible to repay those loans. For the last four years, this is exactly what they have done.
Big Loans Mean Big Payments
This isn't a small amount either. Lisa's original loans of $100,000 is now approaching $200,000 once interest has been added and taking into account the life of the loans. That remaining amount is after one of the lenders reduced the interest rate on several loans and another actually discharged the remaining amount of one loan. Their monthly payment is still in excess of $2000.
The Hits Keep Coming For The Masons
In addition to the grief and dealing with the debt, the couple has also taken in Lisa's kids and have been raising their three grandchildren on their own. Now, this couple that should be looking at retirement, faces working far beyond 65 in order to get those kids through school and into college. All the while using what was supposed to be their retirement funds to pay off Lisa Mason's dream of being a nurse.
At one point, Steve and Darnelle were considering filing bankruptcy. Not the best option, but it would have been a way to protect assets for their grandchildren's future. It was then that they discovered what so many people have learned over the last few years: private student loans cannot be discharged through bankruptcy court. To even try and attempt it requires going through what is called Adversary Proceeding, a very difficult process. The most successful discharge ($85,000) through this took ten years to complete.
So What Can You Do To Prepare For The Worst?
First, understand what you are signing. The Masons state that they never knew they were responsible for the debt in case of their daughter's death. It is entirely possible that the subject was missed by the loan officers or that the parents just simply didn't hear it because no one wants to ever think about the death of a child. The responsibility of a co-signer is clearly written though. This is something you need to do for every type of loan, not just student loans.
Second, seek out federal student loans before private loans. In the case of a graduate's death while paying off a Direct Loan or other federal student loans, the remaining amount can be forgiven completely with no payments levied against the parents or other co-signers. This is not automatic; co-signers will need to apply and must continue making payments until they have received notice that the debt has been discharged.
Third, get the law changed. It wasn't until 1978 that student loans could not be discharged through bankruptcy. It only took a small number of graduates cheating the system to cause an outcry and then the government overreacted, with Congress passing and President Carter signing legislation that removed the bankruptcy option for everyone. While no wants to see fraud in the student loan business, there is no reason why, when the primary loan recipient dies, the co-signer should have to deal with a private student loan any differently than a federal loan. Write, email, Facebook or Tweet your Congressman or Senator to find out where they stand on this.
While all of this is a tragedy for the Masons and other parents who face this, the reality is that they are not being forced to do anything except live up to their contractual obligations. Is it legal? Absolutely. Is it fair? Absolutely not. If you want to join the petition that the Masons have already started to present to the lending institutions to have their remaining loans discharged, you can find that here. To stay on top of this and other Student Loan issues, keep returning to us here at Student Debt Relief.
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College Ave: College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
College Ave Refi Education loans are not currently available to residents of Maine.
1 – The 0.25% auto-pay interest rate reduction applies as long as the borrower or cosigner, if applicable, enrolls in auto-pay and authorizes our loan servicer to automatically deduct your monthly payments from a valid bank account via Automated Clearing House ("ACH"). The rate reduction applies for as long as the monthly payment amount is successfully deducted from the designated bank account and is suspended during periods of forbearance and certain deferments. Variable rates may increase after consummation.
2 – $5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees. Information advertised valid as of 04/26/2019. Variable interest rates may increase after consummation.
3 – This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
ELFI: Subject to credit approval. Terms and conditions apply. To qualify for refinancing or student loans consolidation through ELFI, you must have at least $15,000 in student loan debt and must have earned a bachelor's degree or higher from an approved post-secondary institution.
LendKey: Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
CommonBond: Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate.
Splash Financial: Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval.com
Earnest: To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest's fixed-rate loan rates range from 3.89% APR (with autopay) to 7.89% APR (with autopay). Variable rate loan rates range from 2.50% APR (with autopay) to 7.27% APR (with autopay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms of 10 years or less. For loan terms of 10 to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 0.26% and 5.03% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 23, 2019 and are subject to change based on market conditions and borrower eligibility.
Auto Pay Discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 04/23/19. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice.
Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 303 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, e-mail us at firstname.lastname@example.com, or call 888-601-2801 for more information on our student loan refinance product.


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by Adeline Cruz-Phillips, Account Director
2016 continues to be a year for the records. Major events like the Olympics and U.S. presidential elections have us all at the edge of our seats. It's a year in which influential people and brands alike have decided to say what they really think and act according to their values. This got me thinking about the influence of "political correctness" and how it affects us all, especially as we market our brands. Today, more than ever, politicians, brands and inviduals have to watch what they say for fear of being sued, fired or taken to court. Political correctness is running rampant and being "PC" is changing the way we all communicate.
Why Marketers Are Struggling
How political correctness got started is anyone's guess. It's everywhere. It's pervasive. The only way to deal with it is to understand what it is. Merriam-Webster defines "politically correct" as "agreeing with the idea that people should be careful to not use language or behave in a way that could offend a particular group of people." In an era in which younger generations crave fluidity and inclusivity, other groups want to hold tight to more traditional values. Marketers couldn't ask for a bigger challenge; stay true to your brand and help it grow, without alienating your core consumers.
So how prevalent is political correctness, and is it possible to come out victorious in today's marketing battle? Here are some examples of how PC is shaping our world:
- Government workers in Seattle have been told that they should no longer use the words "citizen" and "brown bag" because they are potentially offensive.
- Target's restroom policy change to accommodate transgender individuals resulted in a lot of controversy, after people disagreeing with the policy signed a petition to boycott it.
- An elementary school in North Carolina ordered a little six-year-old girl to remove the word "God" from a poem that she wrote to honor her two grandfathers that had served in the Vietnam War.
- Washington Redskins merchandise has dropped 35%, as some concerned fans don't want to be called racist for wearing a Redskins T-Shirt.
- Probably the most impacted market by political correctness is Christmas. Just 3.1% of all Americans are Atheist, 5.9% are non-Christian, and 70.6% are Christian, and yet a minority has put enough pressure on marketers to get 49% to embrace "Happy Holidays" or "Season's Greetings" over "Merry Christmas." For fear of not being PC and offending somebody, some retailers are not displaying Christmas decorations and greet customers with "Happy Holidays."
One Final Word Of Advice
As you navigate in the world of political correctness, remember that it looks like it's here to stay. Consumers' expectations about brands have never been higher and with them come big responsibilities. Although there isn't a foolproof way to protect your brand from political correctness, try to stick to your core values, be respectful and triple check the communications that broader audiences will see. Good luck, and let us know if you need any help.
To learn more about how to reach a diverse audience, follow Dieste Inc. and be sure to subscribe to Provoke Weekly for the latest trends in multicultural marketing.

subset: commoncrawl


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While I'm at it... here's my opinions on some of the above mentioned groups.
1. Egyptian pyramids... an architect from France expounded on his father's idea and proved the Great Pyramid was constructed by using ramps built in the interior of the structure. I agree with this concept, however one key element has yet to be addressed. The foremen would have needed a "line" to determine if each side was going up at the appropriate angle. Ideally a perfectly straight, incredibly tall pole planted in the center of the structure would have worked (you could pull a taught string to determine if your upward progress was on point... a pole fitting these requirements this isn't feasible or realistic though.
I'm thinking they could have checked their accuracy at night using directed firelight and possibly well placed smoke screens. It's not like these guys could go to the local hardware store and purchase a laser level-- for them to achieve such accurate angles may be the most impressive feat they were able to accomplish.
2. Easter Island-- system of log rollers, lots of rope, and incredibly determined and physically powerful people. Polynesians are some of the strongest people on the planet. A team of modern archelogists were able to reproduce the Islanders results using this method.
3. Inca structures-- I have no idea. The Dr. Seuss shapes weighing a ton or more coupled with incredibly snug fits has me completely stumped. These people didn't have the wheel and the only pack animal available was the llama. Can't figure it out.


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Veuve Clicquot Ponsardin in "Wines and Champagne" market
- Introduction
- Veuve Clicquot company
- The SWOT analysis
- The four P's concerning La Grande Dame
- The competitors and their positioning
- Direct competitors
- Indirect competitors
- The Media Strategy
- The mix communication
- The Copy Strategy
- Plan Media
- Relationship Plan
Champagne belongs to the "Wines and Champagne" market. This market is constituted of numerous actors which are the wine growers, the Houses of Champagne and the cooperatives. These actors are at the same time suppliers and competitors on the Champagne industry but also on the grape industry, the main raw material used in the production of this luxury product. In 2004, more than 300 million bottles of champagne were marketed in the world for an amount about 3.6 billion Euros. Contrary to the French wine market, the industry of the champagne was concentrated very early. In 2004, 82 % of the turnover of the sector was realized by the ten biggest groups. This proportion was already around 84% in 1990. Among ten major actors, four groups which are quoted on the stock exchange, distinguish themselves and realize half of the sales in value: LVMH Champagne which dominate, in France, the Champagne industry, Vranken-Pommery, Lanson and Laurent-Perrier.
[...] This tendency can be explained by the fact that the French economy is not so good and consumers are careful, or by a market tendency. But this tendency seems to be common among consumers and Champagne brands have to be careful. It is important to underline that those two competitors are very important because the market tendency is towards sparkling wine. Keeping in mind that not only sparkling wines are important to consumers but also luxury traditional wines, and since a very long time, it is a challenge for luxury Champagne. [...]
[...] The packaging is different for every kind of wine and there is always a change in packaging for special events like Christmas. The offer is important and gives the customer more choices. Here is a list of comparable actions that luxury and standard brands have undertaken: January For the Saint Valentine day, Nicolas Feuillat changed his 2005 vintage 1998 with a new design created by the stylist Stella Cadente. The restorers took part in the operation. Décember 2004 Piper Heidsieck sold its Brut Rosée sauvage in a bag made of satin Pommery made a new design for its champagne Pop thanks to the designer Maurizio Galante. [...]
[...] Here are some important events that have been organized between 2004 and 2005 Brands Opération Mumm Sponsor of the Rally Monte-Carlo Moet et Chandon Louis Vuitton Cup et America's cup Lancôme Trophy Ruinart European Ruinard Trophy Louis Roederer French National Library mecenat Taittinger International cup Pierre Taittinger Veuve Clicquot Veuve Clicquot Trophy of the best businesswoman of the year As we can see all this luxury brands are associate to important celebrations. Those celebrations give the brands the possibility to show them in very private and elegant meetings with society men. [...]


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Compendium of Nut Crop Diseases in Temperate Zones covers diseases and disorders of almond, hazelnut, pecan, pistachio, and English walnut crops. Learn to identify and control major and minor diseases of nut crops. Practical and easy to use, disease identification is strengthened with 189 color photographs and complete pathogen descriptions.In addition to complete coverage of symptoms, pathogen description, epidemiology, and control recommendations, this book also provides a fundamental explanation of environmental and cultural practices that affect disease development.This practical guide is essential for anyone working with nut crops, including: horticulturalists, nursery personnel, extension agents, county agents, regulatory personnel, growers, crop advisors, entomologists, plant pathologists, students and teachers.
"This is a book useful to anyone working with nut crops." —Nematolgia Meditterana


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Blood Pressure Channel
Related Channels
Benicar Strengths
Part of a class of drugs known as angiotensin II receptor blockers, Benicar® (olmesartan medoxomil) is used for the treatment of high blood pressure in adults and children age six and older. It comes in tablet form and is typically taken once a day. There are several different strengths of Benicar, including:
- Benicar 5 mg
- Benicar 20 mg
- Benicar 40 mg.
Clinical studies have shown that people taking the 40-mg strength of Benicar were able to decrease their systolic blood pressure by 12 mmHg and diastolic blood pressure by 7 mmHg, on average. Lower doses resulted in a smaller drop in blood pressure.
(Click Benicar to learn more about the various strengths of Benicar, to find out how this medication works, and for information on what you should discuss with your healthcare provider before starting treatment.)
List of references (click here)
Benicar [package insert]. Parsippany, New Jersey: Daiichi Sankyo, Inc.;2013 July.
Food and Drug Administration, Center for Drug Evaluation and Research. Electronic orange book: approved drug products with therapeutic equivalence evaluations. FDA Web site. Available at: http://www.fda.gov/cder/ob/.
Written by/reviewed by: Kristi Monson, PharmD; Arthur Schoenstadt, MD
Last reviewed by: Kristi Monson, PharmD


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County-rap star Lil Nas X has been exposed as the Nicki Minaj Stan @nasmaraj who once ran the popular Nicki Minaj fan page on Twitter.com.
County-rap star Lil Nas X has been exposed as the Nicki Minaj Stan @nasmaraj who once ran the popular Nicki Minaj fan page on Twitter.com.
Atlanta rapper Maco Mattox, better known by his stage name OG Maco, opened up about his battle with a necrotic skin infection he contracted 2 years after surviving a near-fatal car crash.
Da Brat took to Instagram to show off her new custom pickup truck on Thursday. The 44-year-old rapper-turned radio jock and reality TV star took her 2017 Ford F450 pickup truck to Monster Customs in Marietta, GA to get it tricked out with new wheels, tires, bumpers, a motorized bed cover, TVs in the headrests and an awesome sound system!
Our friend Jeezy is getting clowned on social media for posting a photo of himself yachting in a faraway exotic locale. The reason for the online bullying isn't apparent until you look closer at the finer details.
No one can deny the fact that rapper Chris "Ludacris" Bridges is very generous when it comes to giving back to his community. But he also blesses other communities by picking up the tab for groceries at Whole Foods, Costco and other stores.
Scroll down for updates...
I knew this would happen as soon as President Obama and his homie Jay Z began promoting homosexuality to young black youths. Incredibly, an up-and-coming Atlanta rapper is "acting gay" because "that is the Atlanta way"!
According to Allhiphop.com:
Apparently there is some "free thinking movement" in the A that is all the rage in the gay nation AND the straight nation there. So Young Thug is "passing" as gay even though he is truly not. I REPEAT – HE IS NOT GAY. I'm going to need that no more man to man "BAE" usage. LOL! But I'm no "hater."
CNN is reporting that Chris Kelly, left, of the rap duo Kris Kross has died at age 34 of a drug overdose.
Kelly was found unresponsive at his Atlanta home Wednesday. He was pronounced dead around 5 p.m. at Atlanta Medical Center. Kelly's death is being investigated as a drug overdose, Fulton County police Cpl. Kay Lester told The Atlanta Journal Constitution.
The Fulton County Medical Examiner's Office will conduct an autopsy to determine the cause of death on Thursday.
Kelly, also known as Mac Daddy, along with Chris "Daddy Mac" Smith, also 34, (pictured above right) formed the successful kiddie rap group Kris Kross in 1992 at age 13. The group rocketed to fame with hit records "Jump" and "Warm It Up", off their debut album, Totally Krossed Out.
Up-and-coming Atlanta rapper Yung Teddy was found shot to death in his Austell, GA home Wednesday night, The Atlanta Journal-Constitution reports.
Police responding to a report of shots fired found the 23-year-old rapper, real name Justin Mitchell, deceased around 10:18 p.m.
According to a bio on his Myspace page, Yung Teddy has been in the rap game since the age of 10. His first mixtape, "Almost Famous", was released summer 2006.
Investigators are asking for the public's help in finding two suspects who may be involved in the shooting. According to the AJC, "the first [suspect] is described as a black man with a thin build, between 20 and 23 years old, and about 5-foot-6 to 5-foot-9. He was last seen wearing a gray sweater, dark pants and a black beanie hat. He was armed with a handgun.
The second suspect is a black man, 5-foot-4 to 5-foot-6 tall. He was last seen wearing a multicolored beanie hat and a navy blue bandana covering his face."
Anyone with information about the suspects is asked to call police at 770-499-3945.
More from Sandrarose.com:


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The Queen was reduced to tears over her feud with Margaret Thatcher, new documentary reveals
Princess Margaret reportedly said that the incident was the only time she had ever seen her sister cry
THE Queen was reduced to tears over her feud with Margaret Thatcher, a TV documentary claims.
And Princess Margaret said it was the only time she had seen her cry.
Princess Josephine Loewenstein tells the TV show that Margaret, a close pal, told her: "I've only seen my sister cry once.
"It was when the Press put all the articles about her not getting on with Mrs Thatcher."
The show tells how Mrs T was so nervous of the Queen she would race off to gulp down a whisky in Buckingham Palace to recover from their weekly meetings.
Once when Mrs T was staying at Balmoral, the irritated Queen is said to have hissed: "Can't that woman just sit down?"
Lord Robin Butler, Mrs T's Principal Private Secretary, says: "Mrs Thatcher was in awe of the Queen. Like a lot of assertive people, she was lacking in confidence."
- ELIZABETH: Our Queen, Channel 5, Tuesday, 10pm
GOT a story? RING The Sun on 0207 782 4104 or WHATSAPP on 07423720250 or EMAIL firstname.lastname@example.com


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London Sights for Little Folks
London: Charles Tilt, n.d. ca. 1840. Hardcover. 2½ by 2-7/8 inches. Full marbled calf; spine in six compartments, gilt, with red leather lettering label, gilt; gilt rule to the boards; all edges gilt. Original marbled endpapers. 191pp plus a page of Publisher's listings. Illustrated. With original covers bound in at rear (Original cover title: Town Sights for Little Folks). Nicely rebacked with original spine laid-on. A very good copy. Welsh 4699; Osborne p. 186. Very good. Item #18868
Price: $500.00
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text: Costello provides Subsurface Utility Engineering (SUE) services from research, to the location verification of existing utilities. SUE is an emerging engineering process that has proven to be effective in reducing damage to utilities, utility related claims, construction delays, and risk to personal safety. Our SUE department integrates utility coordinators, utility design engineers, GIS developers, and surveyors who work seamlessly together in order to mitigate any risks associated with encountering unknown utilities at the time of construction.


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On 22 JAN 19 LTC Sargis Sangari, CEO NEC-SE, was interviewed on Caravan to Midnight by John B. Wells. The discussion covered Syrian withdrawal, Chinas and U.S. global fight, Russian "collusion", the Italian Mafia, Cartel, and ISIS triad operations and their affects on the southern border, the 116 Congress political topics and issues and how they undermine U.S. foreign policy, North Korea playing China and U.S. against each other, Iranian sanctions, Turkey and Saudi fighting within the region, the use of the Caravans in South America as a possible weapon system to influence U.S. constitutional structures, Israels foreign policies and how what worked in the 40's is now hindering its ability to secure itself in the long run, immigration issues and topics and much more.
Related Article:
21 JAN 19 interview of LTC Sargis Sangari, CEO NEC-SE, by Ann Vandersteel on Your Voice America TV.
Categories: Development, Governance, Security


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I have never been a fan of dressing up any animal, but sadly always see a boost of this trend on social media around the holidays – X-mas and Halloween being the worst of all! I understand how humans would think that their cute little fluff looks so adorable in that Santa outfit, but really it isn't!
Here is why you shouldn't dress up your dog.
Most often in these pictures or videos I see a dog that is super uncomfortable – portraying a body language pleading with their humans to get them out of whatever they have been put in. You see flat ears, whale eyes (showing the white in the eye), licking their lips continuously, tucked tales or hunched up bags, or the dog has simply frozen in their spot or the complete opposite struggling to get whatever that has been put on them off as fast as possible. Either way with a stress level rocketing through the roof and creating a mistrust between you and your dog as to why you would do this to them. This is not cute at all!
Dogs need clothes for very few occasions – a coat for when it is very cold outside – this is true for short haired breeds as most long hairs can manage the cold just fine with their fur (so smart!), unless you reach extreme minus degrees but then you shouldn't take your dog out at all! If you have a hairless dog breed you sometimes also need to protect their skin from sunburns during the summer by using a coat. Dogs need shoes if they have an injury on their paw, to avoid dirt getting into the wound or the bandage, if there is deep snow (sleigh dogs often wear shoes to protect their paws from the snow and cold), or the roads has been salted, as both can cause a lot of pain on your dog's paws when they walk on it. Dogs do not need to be dressed up as a sausage, Santa or a skeleton. They do not need to wear sunglasses, hats or any other gadget you might think is cute…I mean aren't they cute enough as it is!
I understand that you want a cute dog picture for the holidays, so why not use those smart filters you can download on your phone and take some pictures or a video with your dog with that – it doesn't make your dog uncomfortable or stressed out (unless they are scared of your phone) and your bond will stay intact, cause you haven't done anything to make your dog mistrust you and finally you will save a lot of money from not buying all those costumes.
Let your dog be and use the technology!


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Business Hosted VoIP – Top Three FeaturesPosted on: 2018-11-02 | Categories: VoIP Technology
Hosted VoIP offers many new features for enterprises, tools that individual users won't have much use for. Some of these new features enhance productivity or allow organizations to improve process efficiency. Others will let a business handle a large volume of calls or otherwise improve the communication system.
Some organizations will find some features meet their requirements better than others. A small business might be looking for specific tools that will help them compete with larger companies. A multinational corporation, on the other hand, may want features that will help them handle hundreds of calls per day in specific departments like customer support for billing.
However, there are some features that most businesses will appreciate regardless of their size or the industry they operate in. So, let's take a look at some of the top features that most businesses should look for in a hosted VoIP service.
Customization – Hold Music, Greetings, Schedules
Hosted VoIP services offered a wide variety of customization options. This allows an organization to control exactly how the system works to better fit their requirements. The level of customization extends to small things – such as hold music and custom greetings – that appear insignificant but have a great impact on customer satisfaction.
Unlike larger organizations with sophisticated phone systems, smaller businesses have no choice but to let their phones ring during odd hours or when the office is closed. Hosted VoIP services offer support for custom schedules to handle such situations. This means that you can set up a schedule for when the phones should ring, when they callers should go to voicemail or when to play special messages for customers.
You can also combine this feature with several related options such as using custom hold music or playing specific greetings during office hours and so on. Imagine if someone is trying to contact your office after business hours. Instead of letting the phone ring or simply going to voicemail, you can set up a recording that informs them of your usual hours and alternative methods (website, email etc.) to contact the office.
Suppose your service department is overloaded with calls and you have to put customers on hold until an agent is free. Instead of just playing random music, you can use a custom recording to inform them about sales, deals, or any other information you would like them to have.
Never Miss a Call Again
Gone are the days when you had to go and sit at the same office desk every day. Nowadays, many employees have roles which require mobility. For instance, a sales agent may be traveling across the country to meet customers or an executive may have meetings in different countries. But at the same time, you don't want to miss crucial business calls.
Hosted VoIP services offer a handful of features to make sure that no employee has to miss a call because they were not at their desk. One such feature is commonly called find me/follow me. This feature allows users to set up a list of numbers, devices or extensions to the same account. An employee can then specify whether they want the devices to ring all at once or one after the other until the call is answered. This feature is really helpful in today's work environments where most people juggle multiple devices all the time.
Another feature that can help in this endeavor is sophisticated call routing rules. Voicemail is a great feature that most businesses rely on to get work done. With VoIP, users can configure their account so that voicemail messages are automatically transcribed to text and sent to their email inbox. A manager will be able to direct calls to a group voicemail inbox so that calls can be answered by whoever is available. Features like this can help you ensure that no customer call is unanswered or missed.
Streamline Internal Communications
In addition to communicating with external entities like customers, partners, suppliers etc. employees need to communicate with each other as well. Individual workers will want to talk with their colleagues, project teams may collaborate with others in different offices or departments and so on. In most office environments, this means that there are several different tools that individuals or departments for the same purpose.
With hosted VoIP, you can integrate all those channels within a single system. VoIP can handle audio calls, video conferencing, group calls, messaging, voicemail, and even faxing. This way, you don't have to worry about compatibility or troubleshooting problems as they arise. You have a single source to contact if or when something goes wrong – your vendor. It also means that employees will find it easier to search across multiple communication channels to locate the person or data they're looking for.
The above three features are by no means the only ones VoIP offers. But these are certainly the useful features a business should look for when signing up!


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Tá an chuid seo den suíomh idirlín ar fáil i mBéarla amháin i láthair na huaire.
If you are refurbishing or converting the property for residential use, you should apply for a Letter of Certification. Ensure you do this before you begin work on the property. The Letter of Certification will not be sent to you until after the work has been completed. A Letter of Certification is not required for commercial property.
You can find the application form for the Letter of Certification on your local authority website. You must make a separate application for each residential unit you wish to claim for. You must provide:
The local authority will give you an acknowledgement confirming that you have received planning permission, if it is needed. This acknowledgement will also contain a Unique Reference Number (URN) for your application.
There are no exemptions or special procedures for the work you do on properties located in a Special Regeneration Area (SRA). You must ensure that your refurbishment or conversion complies with all statutory requirements.
It is important that you find out whether any part of the site or structure is protected by legislation. If so, you also need to know what types of notifications, permissions and consents you need to have before starting work on the property.
Your building may be a protected structure or the area may be an architectural conservation area under the Planning and Development Act 2000. If so, you should seek the advice of the architectural conservation officer in your local authority before you start working on the property.
If there are requirements under the National Monuments Acts (1930-2004) you should seek the advice of the National Monuments Service.
Next: After you finish work on a residential property
Published: 21 February 2020
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5 Star on Amazon & Ebay...
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£29.50 The Regimental Shop is entirely British and most orders are despatched worldwide from the UK within two working days (sometimes slightly longer for clothing). Please call us if your order is especially urgent.
Best value on the web
Robust cotton webbing belt created especially for the Royal Artillery with real leather tongue and substantial brass buckle. Great all Gunners, their friends and family.
Also available in a zig-zag version.


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Rosacea is more than pimples, though pimples come into it...in fact it's known as the 'curse of the Celts' because many Irish and Scots people suffer from it. This skin irritation leaves distinctive blotchy red patches in certain areas of the face, typically across the nose, cheeks or forehead.
However, on a site discussing treatments for rosacea, instead of showing us a person whose face has obviously been affected by the skin irritation, we have the usual smiling model [such as the example on the right] whose face has never known acne, let alone rosacea.
Some famous people who've had rosacea include Bill Clinton (did you ever notice?), J P Morgan, W C Fields (you thought it was because he'd been drinking, didn't you?) and Mariah Carey.
Well, there you go. You learn some things every day. If you're curious enough.
Photo courtesy of Chepe Nicoli.


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Price: $90.00
Quantity: 1 available
Book Condition: Very Good -
2 Volumes complete. TEG. Vol 1: viii, [frontis], [4], 383 pp.Vol 2: [8] frontis, 383 pp.Books: Six corners lightly bumped, one corner bumped, one corner bumped and rubbed through. Possible authorial gift inscription on FFEP of Vol 2 dated in year of publication. All maps and plates present. One map, an apprx 2" tear at bottom, now strengthened with Japan paper.
Title: A History of the Adirondacks
Categories: Adirondack,
Edition: First Edition
Publisher: New York, The Century Company: 1921
Binding: Hard Cover
Book Condition: Very Good -
Jacket Condition: No Jacket
Size: 8vo - over 7¾" - 9¾" tall
Item: 2.00 Item
Seller ID: 900004


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Mornings are meant for mimosas and brunch. Perfect for any event and even better for our brides and her besties!
OPTION 1: Brunch platter $130 + tax. Platter is rented out and feeds 4-6 people. Comes with 4 glass of mimosa.
OPTION 2: Large charcuterie board
Choose 4 options from the following for $250 +tax (feeds 6-8 people):
- Yogurt station (Greek yogurt with granola and fruits)
- 6x croissants
- 6x bagels
- 6x scones
- Fruit platter assortment
- Waffles with fruits and maple syrup
- Frittata (8')
- Focaccia with cream cheese salmon and capers (12x)
- Fritters/Donuts
Mimosas included (6 champagne glass)
Charcuterie platter (8') $50
Table and decor setup $50
Get the whole fireworks from above for $450 +tax (including charcuterie platter and table/decor setup)


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Connecting mobile homes to utilities, including waste water disposal, can present some challenges. Even the most securely anchored mobile homes incur more movement than conventionally built homes. These movements can cause failures of the connection between the home's sewer system and the system handling waste water, leading to spilled sewage under the home.
1. Locate the sewage outlet of the mobile home and the waste water pipe of the sewer system. Determine if the pipes are the same size and acquire pipes and fittings to connect the two points.
2. Install pipe between the two connection points. PVC or iron pipe can be used and installed according to manufacturer's instructions. If the pipes cover any lateral distance, pipes running parallel to the ground should include a slope toward the sewer system inlet.
3. Include a flexible or rubber connection in the system. The boot can be an angled or straight-fitting, depending on the need. The ends of the rubber boot fit over the existing pipes and are held in place with hose clamps.
Tips Warnings
Check the rubber boot and other fittings of the sewer connection at least on an annual basis. Spot any weak connections before they fail and dump raw sewage under the mobile home.
Include a removable section of the sewer connection between the mobile home and the sewer system. This allows disconnection if the mobile home is moved and creates a point where the sewer system can be accessed for cleaning with a snake in case of a clog.
Place braces under the sewer connection pipes or hang them from the floor joists of the mobile home. If not braced, the weight of the pipes will place stress on the connections and can cause failures.
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If the spill occurs in a community, report it to authorities as soon as possible.Proper cleanup of a sewage spill under a mobile home eliminates health hazards to the occupants of the home and sur...


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Destination America
Who's Watching
Destination America features original series covering such diverse subjects as American food from Tex Mex to barbecue; American mysteries from Billy the Kid's lost fortune to Area 51; America's heroes from those who embody the values of our past to those who invent the technology of our future; as well as never before seen footage of America's iconic landmarks, including Yellowstone National Park to the Everglade swamps.
Featured Programs
- Haunted Towns
- Ghost Brothers
- Terror in the Woods
- Mountain Monsters
- Ghosts of Shepherdstown
- Paranormal Survivor
- Alien Files
- Haunted Case Files
For more information on how to advertise on Destination America, contact your local Effectv Representative.
*Please note network insertion dependent on market


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Food: Dominican
Prices: Inexpensive - $4 - $6
Menu: Beef stew, chicken stew, spiced spaghetti, pork chops, pasteles, salad, moro, and beans
Borough: Manhattan
Neighborhood: Midtown West
Dominican Food Stand
By rmoore - Posted on October 15th, 2007
Categories: Dominican • Inexpensive • Manhattan • Midtown West
Food: Dominican
Whether its the newest carts or the greatest review, stay in the loop. Subscribe to the Eat Street Meat RSS feeds to get the latest updates.
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From sipping rakija in the sun to exploring squares and markets, Andrew Doherty discovers the draw of Croatia's capital, Zagreb, on a trip with Monarch.
Time travel is a concept that has always fascinated me; unfortunately, such a pursuit has been limited to the realms of Hollywood. Yet on a trip to the Croatian capital with Monarch, I discover the city offers an abundance of antiquities, and I can barely contain my excitement at the prospect of absorbing myself in the history of this European gem.
Originally constructed in 1929, the Hotel Dubrovnik is a convenient base for city breakers in Zagreb, situated just off Ban Jelacic Square, a few steps from the heart of the city. With an easily accessible car park for hotel guests and free Wi-Fi, the property offers clients plenty of creature comforts. Getting there is easy too: Hotel Dubrovnik is less than half a mile from Zagreb Central Station and 11 miles from Zagreb airport. A taxi fare from the airport costs around £20, while a bus ticket will set customers back £4.
I begin my city tour in the square, which my guide, Jurica Puskar, informs me is busiest on Saturday mornings on account of the green market where residents come to buy and sell fresh produce.
"Notice everyone is wearing sunglasses so they can spy on each other," he jokes.
Indeed the square is busy – children leap across the cobbled stones clutching balloons, residents barter over fruit and veg and hip young couples sip coffee beneath umbrellas in the shade. I'm already feeling like a local as I stop to examine a punnet of sweet-smelling strawberries. Puskar informs me that there is a chance I could appear in the society pages of the local magazine. I quickly try to look as photogenic as possible.
Zagreb is the most populous city in Croatia, with more than one million citizens, and is split into three parts: Upper Town (Gornji Grad), Lower Town and New Zagreb (Novi Zagreb). The latter is located further from the city centre and characterised by its high-rise modern buildings.
Crossing the square I bump into a man and woman dressed in traditional Croatian regalia (pictured right) posing for pictures with delighted weekenders. Puskar informs me that the duo are part of the Zagreb Time Machine programme, an interactive history lesson that sees individuals in costume taking to the streets. Remind your clients to look out for the friendly band who'll strike up an upbeat medley before moving on to another popular tourist area.
Ilica is the longest street in Lower Town and contains many of Zagreb's best shops. Clients visiting in summer can take advantage of the tram service running the length of the road should they want some air conditioned respite. It's worth noting that most shops close on Sundays apart from the city's 20 green markets.
Fans of coffee should explore Tkalciceva street, home to the highest concentration of cafes in the city – and plenty of excellent bars too, including Agava, where I enjoy an ice cold glass of local spirit, rakija. Zagreb really can get hot, as I discover during the walking tour. Temperatures may reach 30 degrees during the peak summer season with high humidity, so recommend clients pack suitable clothing.
Next stop is Zagreb Cathedral. The Gothic-style building was originally built in the 11th century and is impressive in its eclectic design. I crane my neck upwards to look at the exquisite 105 metre-high twin bell towers adorned with religious figures and stone carvings.
"There are 35 churches in the city centre – we are a very religious nation," laughs Puskar.
Inside the cathedral is just as impressive, with its mixture of Baroque stone fixtures and Art Nouveau floor tiles. The cathedral is steeped in history and offers clients plenty to discover. It's important to note that women should take something to cover their knees and shoulders on entering. I'm distracted by a cacophony outside and make for the door as the city's guard of honour troop, The Cravat Regiment, have begun to assemble in front of the building.
Established in 2010, the regiment can be spotted on Saturdays and bank holidays in various tourist hotspots across the city. It's well worth checking out the display: the soldiers are kitted out in fur hats and long red cloaks similar to the uniform the Croats fought in during the Thirty Years' War, which took place 1618-1648 and was considered the deadliest European religious conflict in history.
Dolac, the city's largest green market, is a hub of activity. Looking across Ban Jelacic Square, the space is crammed with stalls selling anything from fruit and vegetables to dairy produce. I pass through the colourful stations, catching the tail end of intense bartering sessions before heading inside the market hall, where vendors are flogging their wares.
I have worked up an appetite on the morning walk, so I head to Trilogija for lunch. This charming eatery, located near the city's Stone Gate medieval shrine, and a 10-minute walk from Dolac, is divided into two – one side is a cosy wine bar and the other is the restaurant. With more than 110 wine labels from across the world along with a frequently updated menu comprising fresh ingredients sourced from Dolac, Trilogija makes a convenient and satisfying lunch stop for those exploring the city.
Sufficiently full, I decide to burn off a few calories by walking the city's Green Horseshoe, a U-shaped system of squares and parks in the Lower Town.
Similar to the boulevards of Vienna, the Green Horseshoe encapsulates the grandeur of post-industrial Zagreb and is peppered with gorgeous buildings such as the Croatian National Theatre, Academy of Sciences and Arts, and the Croatian State Archives, with huge stone owls perched upon the roof. I begin my journey at the top of the "U" in Ban Jelacic Square, making my way through the various gardens towards Marshal Tito Square, the last open space on the route.
An ideal spot to take a breather is the Zagreb Botanical Garden with its 4.7 hectares of green space containing 10,000 species of plant. Puskar says that the arboretum bursts further into life during certain weekends in the summer, when popup music festivals take place.
The next morning I'm up bright and early to ride the Zagreb funicular – the shortest cable car trip in the world. Located on Tomiceva Street, the 64-second vertical tram leads to the base of Lotrscak Tower and costs just 50p, so it makes for an ideal way to reach Upper Town.
Here I manage a quick visit to the quirky Museum of Broken Relationships, filled with displays of romantic liaisons gone sour.
Puskar tells me that the best time to visit Lotrscak Tower, the 13th-century lookout post that protected the southern city gate, is midday, when the daily firing of the cannon takes place. Visitors can also pay to climb the tower for £2.30 for spectacular views over the Lower Town.
As I turn to ask Puskar a little more about the tower's history the cannon goes off. I leap into the air in fright, just about managing to keep my camera from flying out of my hands. It's a final reminder of the city's rich history, which I have been able to discover over the past two days, despite my lack of a time machine.
Book it: Monarch offers two nights at the Hotel Dubrovnik from £169pp with Gatwick and Manchester flights included.


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| 12.1°C Dublin
WICKLOW'S glorious 2009 championship campaign seemed a dim and distant memory as Mick O'Dwyer's troops found themselves on the receiving end of a 13-point hammering by Louth in this O'Byrne Cup tie at Baltinglass yesterday.
Admittedly, the Garden County were missing eight regulars from last year's championship line-up, but still the failure of the replacements to make a reasonable impact must have been of major concern to the home fans.
But if O'Dwyer was harbouring any concerns, he wasn't publicly displaying them afterwards. "It's only the first competitive match of the year, and we were more intent on trying out new lads than anything else," he said.
Similarly, new Louth boss Peter Fitzpatrick was not getting carried away by his side's emphatic victory. "It was nice to get the win, but our main focus is on our first league game against Wexford on February 7," he said.
Former midfielder Brian White, playing at left corner-forward, and JP Rooney supplied the Louth goals on 17 and 30 minutes respectively. But Rooney was immediately forced to retire after colliding with the post in punching the ball to the net.
The game was virtually over as a contest when the O'Byrne Cup holders, who meet AIT next Sunday, led 2-9 to 0-4 at half-time.
And the Wee County would have shot two more goals but for a fine save by Wicklow goalkeeper Billy Norman from Derek Crilly just before half-time, and midfielder Paddy Keenan hitting the post midway through the second half.
Wicklow's cup of woe was complete when Dean Odlum shot tamely wide from 51st minute penalty awarded when Seanie Furlong was fouled.
SCORERS -- Louth: B White 1-6 (0-6 f), JP Rooney 1-2, C Judge 0-3, D Crilly, P Keenan 0-2 each, A McDonnell, S Fitzpatrick, R Finnegan 0-1 each. Wicklow: C Jones 0-4 (0-3f), S Furlong 0-3 (0-2f), P Earls, D Odlum, N Gaffney, T Hannon ('45') 0-1 each.
LOUTH -- N Gallagher; D Byrne, D Finnegan, R Greene; R Finnegan, A Hoey, J O'Brien; P Keenan, S O'Neill; D Crilly, A McDonnell, D Maguire; C Judge, JP Rooney, B White. Subs: A Reid for Rooney (31), S Fitzpatrick for O'Brien (41), M Fanning for D Finnegan (53), L Shevlin for Maguire (57).
WICKLOW -- B Norman; C Hyland, S Kelly, P Hogan; P McWalter, S Canavan, D Hayden; B Lennon, R Murphy; P Earls, T Hannon, E Kearns; D Odlum, S Furlong. C Jones. Subs: N Gaffney for Murphy (30), M English for Hannon (43), S Murley for Kearns (55).
Ref -- B Hickey (Kildare).
Irish Independent


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Brooke Rundle con Headstrong: The ultimate guide to reducing lapses in concentration, building confidence and finding your zone on the volleyball court. (English Edition)In a sport that's so often won by a two-point spread, the mental game of volleyball is the difference between winning and losing. Your mindset is the difference maker.
The Dream – operating in a state of relaxed concentration and confidence in your ability to execute with a precognitive notion of where the ball will land next.
The Reality– fumbling between positions a step behind on each play, distracted by sideline pressure and self-doubt.
I've interviewed dozens of players and coaches at the highest level of volleyball to create the ultimate guide for players and coaches on mental training for volleyball. I've packed it full of practical confidence building strategies and tips to help players maintain their concentration on the court.
This book will show you how to:
Create and implement focusing rituals on the court.
Approach competition with clear tactical plans.
Let go of mistakes immediately.
Harness the power of visualization.
Avoid 5 mistakes that most coaches make.
Plus a bonus section on "How to create a culture of teamwork (5 Uncommon Tips)".
Let's put an end to mental errors on the volleyball court and take your game to the next level.
What Coaches are Saying About the Book:
AL SCATES, Coached the UCLA mens volleyball team to 19 NCAA titles- Both the experienced and the novice will improve their performance by reading Brooke Rundle's guide to concentration and confidence building. All those who have been closely associated with the sport of volleyball will recognize that her techniques will help you improve on the court and in life."
BROOK COULTER, Associate Head Coach Colorado State University 2012-2015 and professional playing experience 2002-2007 (Slovenia, Austria, Spain, Germany, Holland) -"Rundle gave a presentation on the Headstrong principles and strategies at CSU's team camp in 2015. Our coaches found the Headstrong techniques to declutter the mind, build confidence and prioritize improvement over accomplishment extremely helpful and practical for players and coaches alike. Every coach can benefit from reviewing the section on the 5 mistakes coaches make. The guide offers actionable tips for practice and a game plan to help volleyball players improve their mental game. I highly recommend grabbing a copy of this book and booking her for a speaking engagement at your camp or club."
RACHELLE SHERDEN, Head Women's Volleyball Coach Gustavus Adolphus College and 2015 AVCA Central Region Coach of the Year. - Brooke hits the nail on the head with Headstrong- a concise, relatable, and powerful how-to guide about mental training that is entirely specific to volleyball. I can't wait to share Headstrong with my players and incorporate the principles and strategies from the book into our team's mental training regime. When I think back to my first years coaching volleyball I think about how much I could have benefited from reading and applying the ideologies defined in Chapter 5 about common coaching mistakes. Thanks to Chapter 5, I have a new post-season reflection and evaluation tool to add to my coaching toolbox."
JEFF MEEKER, Head Women's Volleyball Coach Cornell College and 6x Conference Coach of the Year.- "This book is not just another tool for coaches, rather is it an entire tool box to inspire growth in our athletes, provide a more positive experience and become better coaches. Brooke's unique and diverse experiences provide keen insight into how we can help our athletes become mentally strong in volleyball and beyond."


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That was the overarching theme of Shara Evans CeBIT keynote. She is a Futurist and Chief Executive Officer, Market Clarity. She is recognised as one of the world's top female futurists, fusing her engineering background with an intuitive understanding of how society is likely to respond to new technologies.
Her presentation was jam-packed with examples and analogies but one common thread came through.
"We can no longer afford to have security and privacy as an afterthought. We need ethics completely embedded into the system," she said.
The rest of the article is paraphrased.
Digital security is a state of ongoing work. Yesterday it was the Gumtree hack – who knows what is next? Hackers are getting smarter.
We are carrying the greatest piece of technology to date in our pocket. It is subject to virus, malware, hacks and can steal our information easily. Hackers are targeting your device.
Wearables presently have privacy as an afterthought. It is scary how much information goes into the cloud.
Facial recognition and biometrics are everywhere. What if a hacker stole your biometric data? Do you need plastic surgery for a new face? The tech is getting so good that mind mapping – a digital representation of you could be stolen.
IoT is hackable. Think oil rigs, ships, steel mills, aeroplanes, cars – hackers have already found back doors via a plane's entertainment system. But worse what if a hacker altered the IoT data feed to disrupt traffic in a city?
Software source code can be compromised to put in back doors. Look at the Juniper hack that exposed the admin password and gave access to firewalls. Now fixed but the vulnerability was there for two years.
Backdoors are scary. Look at the Apple and FBI case. Once a backdoor is legitimised you can bet cybercriminals will access it.
Stray USB flash drives are a real concern with cybercriminals distributing them to spread malware.
A hackers real tool is social engineering where they get to know you and start highly targeting spear phishing. One day you put up a photo of your new TV on Facebook and then the next you start talking about holidays – hello this is an open invitation.
We are told via TV that there are super hackers like Felicity Smoak in Arrow or Walter O'Brien in Scorpion or Brody or Raven in CSI Cyber who can open any database, hack any device and do it from the remote comfort of their desk. While these super hackers do not really exist you never know how much is Sci-Fi and how much is real. But it is dead easy to hack into email or the cloud.
Evans highlighted some amazing new technologies like insect-sized drones, but marry that with advances in invisibility and you could discover boardroom secrets. Or what if the Minority Report got it wrong?
The real risk for any organisation is a data breach that can cost millions or even billions of dollars. The US Target breach cost over $1 Billion, the CEO and CIO lost their jobs, and revenue fell 46% in the following quarter. The Ashley Madison hack cost it $850 million but worse it reveals that there were way more men than women and it will probably spell the end of the company.
Ironically the phrase 'With great power comes great responsibility' has been attributed to both Voltaire and Peter Parker in Spider-Man both of whom weilded great powers due to technological advances. I am sure it has been used by many other great men.
Technology is the great new power and I think Evans opening remark about ethics being completely embedded into it is vital. It is up to the people and the legislators to set and monitor boundaries. For example, in wearables who owns the data, and what can be done with it without permission? When they see examples stepping outside the boundaries, they amend the accords and close loopholes.
Some universal accords will go a long way to setting ground rules and helping device makers and software developers ensure that their products comply.


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To the minds of the generals, in long run, Thanatorn Juangroongruangkit is more dangerous than Thaksin Shinawatra. Sure, Thaksin's nominee … More
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If they were to be honest, even the harshest critics of Thaksin Shinawatra would grudgingly admit that, in this second … More
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Of late, the man who has been answering political questions is Army Chief General Apirat Kongsompong, nicknamed Big Dang. Meanwhile, … More
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If society is dominated by the "every man for himself" mentality, there's a logical explanation for it. Just as man … More


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Starting a home garden is one of the finest and the most rewarding thing you can do if you are looking forward to having fresh and healthy vegetables and fruits on your table all year round. Apart from these, there are other key benefits associated with a home garden, some of which you will reap once you have established a garden at your backyard.
To be in a position to reap the reward that comes with owning a home garden, there is a cost that you must be ready to pay; getting dirty. For beginners, especially those who were raised in families where they never had an opportunity to do farming, establishing a home garden might be a headache since they might not even know where to start leave alone what to plant.
That why we saw the need to prepare this 7 step guide that you can follow if you are a beginner who is planning to start a home garden;
1. Consider Your Options First
This is the first step, and it basically involves reasoning out on what to establish for the first time in your new home garden. Whether it's a vegetable garden, flower garden, or any other option you might be having. If you choose to make it a vegetable garden, then decide on the vegetable to establish, either its cabbage, kales, cucumber, etc.
If it a flower garden, then know the kind of flowers you want in terms of fragrance, color, smell, the type of lifespan they exhibit; annual or perennial, among other options.
2. Site Selection
Before you select the spot where you will start your garden, there are a couple of things you need to consider. First, look for an area in your backyard that received enough sunlight for the better part of the day. This will ensure that your plants will be receiving enough sunlight every day.
There is also the need to determine the sloppiness of the area since a more sloppy area will give you a hard time to prepare while to somewhat level ground might have poor drainage.
3. Site Preparation
Once you have selected the spot where you will start your home garden, the next step is to prepare the areas. This is usually done by clearing all the vegetation by slashing. This can be followed by digging, especially if it's on a virgin garden. Digging helps to open up the soil, encourage aeration, water infiltration and buying of organic materials in aim to improve soil fertility.
4. Initiate Soil Improvement Strategies
Before taking any step intended to improve the soil in your garden, the first and the wisest thing to do is to take the soil to the lab for analysis. This way, you will be able to know what you're dealing, i.e. what needs to be amended and at what levels.
5. Prepare Your Garden Ready For Planting
The level of preparation required in a given garden will mostly be determined by a number of factors. For instance, if you are planning to sow seed, then you need to have finer tilth, unlike a case where cuttings are to be propagated.
6. Plant Your Pick/ Plant Of Choice
Planting should be carried out once the land is optimally ready to receive the planting materials. At this stage, ensure there is enough moisture in the soil, the propagated materials are well covered, etc. It's of great importance to ensure that the seed you use are certified and are free from any disease attack since this might compromise their germination.
7. Observe And Carry Out Routine Management Practices
By just establishing the planting materials on the ground, that doesn't necessarily mean it time to clean your hands, sit back and wait for the harvesting season, No! In fact, this is the time when you are required to be more knee and observant on what is happening in your garden.
For instance, if it's during dry the season or rain is not sufficient to support plant growth, watering is essential. More so, there is a need to control weeds through weeding. You can also do mulching, which will help in smothering weed growth and also conserve water loss.
In case of any disease or pest attack, this is when spraying is needed to avoid heavy losses. For best and healthy farming practices, the use of homemade insecticides, which are mostly made from natural materials is recommended in aim to eliminate chemical use.
If all the above steps are well carried out in a sequential manner and timely, then be ready to harvest fresh and healthy products from your backyard. Try them today and thank me later!!
Check our other posts:
Greenbuds is Born (and Giveaway)
Dust Mites – we all run from them, but WHY?


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Kids Bike 16 inch in the test: comparison on bicycle-test-reviews.com
The right choice of the first bicycle
the children's bikes with 16 inches in the test are not allowed to traffic. Ride a bike makes high demands on motor skills and body control. Children are therefore rightly proud of themselves when they have learned driving on the wheel. A bike is a sports equipment and toys. This makes the cycling for children an interesting pastime. Already wheels are offered for children from the age of three years. The size of the frame of a bicycle is given usually in inches or in centimeters – therefore the indication of 16 inches. Typically, wheels in such a size for children aged from four to seven years are recommended. The children's bikes with 16 inch assessed in the test from a particular perspective. We inform you about these criteria, which are for the purchase of such bicycle of importance. In addition, we explain which model in the test can be considered best Kids Bike 16 inch.
The best children's bikes with 16 inches from the test at a glance:
Admission to the road transport
Children's bikes are allowed usually not intended for road traffic, because they have not the full equipment, such as the prescribed bicycle light. In the test for kids bikes with 16-inch, no model is suitable for road use. The child may drive only on the sidewalk or in game streets. Table of contents:
- the right choice of the first bicycle
- the best children's bikes with 16 inches from the test at a glance:
- admission to the road transport
- what types of children's bicycles there?
- The buying advice for Kids Bike (16-inch) test
- The conclusion with regard to the child's bike (16-inch) test
What types of children's bicycles there?
Three types of wheels are represented in the test for the children bicycle 16 inch – the Cruiser, classic bike and a mountain bike.
Above make
the buying advice for Kids Bike (16-inch) test
In the following is the main points, that attention should be given when purchasing a children's bicycle. This opens up the possibility to understand the bike test for 16-inch wheels. takes into account the test for the children bicycle 16 inch safety elements.
- Bike type: Which bike selects your child, probably depends on the optics. That the size is correct and can drive it well is important but especially,.
- Age recommendation: this recommendation is accompanied by an indication of the minimum size of the driver. Both toes of a child seated on the saddle should touch the ground.
- Weight: heavier bikes offer more stability, but also harder to move. Lighter wheels, however, react also with a lesser effort, for it might overwhelm the responsiveness of the child in some situations.
- Coaster brake: such a brake is usually very reliable and the hands can stick with it to the handlebar – that is an advantage for novice.
- Training wheels: they act in the beginning, if the child still not fully mastered driving as an aid. Training wheels convey a feeling of security. However, they prevent that sense of balance is trained. It is best if the training wheels are removable. So they can be removed as soon as the small driver no longer needs it.
- Bicycle stand: he meets a practical function by to facilitate the parking of bicycle. A bicycle rack makes the wheel little harder.
- Chain: such protection will keep the child from being with the clothing in the chain to get and prevent an unexpected, sudden stopping of the bicycle. The latter of the bicycle accidents can cause under certain circumstances. In addition, clothing can be dirty when it comes with the chain in contact.
- Ring: can the child to draw attention with a Bell and is thus rather perceived by large and small people.
- Reflectors: also reflectors ensure a better visibility of the driver, especially in conditions of poor visibility such as darkness, fog or rain.
The conclusion with regard to the child's bike (16-inch) test
the comparison winner children bicycle 16 inch is the model bike star Cruiser bike with a score of 1.5. As the name suggests, this children's bike is a cruiser. The winner of the comparison is recommended for children between four and five years with a body size of 105 cm. Its benefits are easy to be mounted and a stable processing. The bike star Cruiser bike is easy to ride. It is also equipped with Bell, reflectors, back pedal brake and chain guard for a safe driving experience. The bicycle rack allows your child to turn the wheel easily and can be transported in the basket on the handlebars such as toys. With 11 kg, the wheel is relatively difficult. The Novice must waive the aid of training wheels also in this model. The price is EUR 149,99. The children's bikes in the test for the 16-inch wheels have also an award winner. The bike star classic 129.99 euros and received the grade of 1.6. It is recommended for the same target group such as the winner of the comparison – for children from four to five years. This classic bike is also easy to assemble and with a stable processing. Furthermore, it is a kilogram lighter than the model bike star Cruiser bike.


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Saffiano T-Tote midi bag lettering and shoulder strap
In stock
Additional Information
This versatile T-Tote midi bag in elegant saffiano faux leather with functional handle flaunts minimalist lines and features lettering embellishment on the front that makes this a must-have accessory for both daywear and evening occasions. The contemporary and practical shoulder strap completes the design.
External fabric: 100% polyester; coating: 100% polyurethanic resin; lining: 100% polyester
Do not wash / Do not bleach / Do not tumble dry / Do not iron / Do not dry clean
Read here the available shipping methods.
Free returns.
Free standard shipping over 100 euro.
Shipments to our Boutique (Click & Collect) are always free.


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Chanel's new Boy.Friend watch collection—like the ideal boyfriend, perhaps?—is traditionally masculine in its aesthetics (that clean, rectangular face!) but with a spirit only improved by a light feminine touch. And refined materials—even brilliant-cut diamond embellishment, if you so chose!—mean style needn't be sacrificed for the allure of androgyny. A new twist on a classic, courtesy of Chanel? Don't mind if we do! This is a piece of arm candy that's around for the long haul.
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This Mago National Park was proposed for the conservation of its large numbers of wildlife, particularly Buffalo, Giraffe, and Elephant.
Species recorded: 81 mammals and 257 birds
Charismatic species: African Buffalo
Location: Mago National park is situated at the same corner with Omo National park and separated by the Omo River close to Kenya Border some 800km south of Addis Ababa and 30km from Jinka town, at coordinate between N5030' and E36030'. It took some feature as in the Omo national park and is age.
Rainy season: the rainfall in the park averages about 900mm a year. The wet season is March to June with a second wet season in September. The main dry season is December to February.
Temperature: the highest temperature is 36-400c in December- February and the lowest are 20-210c in April – June.
Ecological Zone: Rift Valley
Vegetation type: Savanna characteristics predominantly patchy grasslands, woodland, bushland and river forests.
Major wildlife species: Include Buffalo, Elephant, Burchell's Zebra, greater Kudu, Lesser Kudu, Lelwel Hartebeest, Tiang, Waterbuck, Oribi, Oryx, Giraffe, Grant's gazelle, Gerenuk, Hippopotamus, Crocodile, De brazza's monkey, Blak-backed, Jackal, Warthog, African hunting Dog, Guenther's Dikdik, Lion, Leopard, Caracal, Cheetah, Striped Hyena, Bat-eard Fox and Several Cat.
Major physical/geological features: Mago Mountain and Omo River
Wildlife viewing: it the best place to visit bigger savanna mammals like Buffalo, Elephant, Lesser kudu, Lelwel hartebeest and Tiang among others. With Omo park, the largest concentrations of aforementioned animals are supposed to occur in this park. The best area for game view is its cental part around Neri River.
Outside Park: colorful life style of Hammer, Mursi, Karo and Bena gives a rewarding stays, especially coincidence with market day is so great.


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This trimmer replacement line from Swisher comes with 36 pieces of 18 in. long nylon string that is 0.155 in diameter. You'll get precision cutting from the diamond cut line, and it can be used in all Swisher 22 in. trimmer mowers. This replacement string is easy to install and provides quality and consistent performance.
- 36-count pack of nylon trimmer string
- String is 18 in. long with a 0.155-inch diameter
- Easy to install -call toll free for installation help
- Can be used on all Swisher 22 in. trimmer mowers


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The search found 772 results in 0.027 seconds.
Actresses need to be pickier than men about with whom they work if they want to survive in the movie industry, suggests a new study.
"My research indicates that women in the film industry suffer a lack of access to future career opportunities when they tend to work with people who have collaborated frequently in the past," said Mark Lutter, lead author of the study and head of the "Transnational Diffusion of Innovation" Research Group at the Max Planck Institute for the Study of Societies (MPIfG) in Germany.
America's welfare state is quietly evolving from needs-based to an employment-based safety net that rewards working families and fuels dreams of a better life, indicates a new study led by a Michigan State University (MSU) scholar.
The major reason: the little-known Earned Income Tax Credit (EITC), a $65 billion federal tax-relief program for poor, working families. The program has been expanded dramatically during the past 25 years, while cash welfare has been sharply curtailed.
Some 9 million American families lost their homes to foreclosure during the late 2000s housing bust, driving many to economic ruin and in search of new residences. Hardest hit were black, Latino, and racially integrated neighborhoods, according to a new Cornell University analysis of the crisis.
Led by demographer Matthew Hall, researchers estimate racial segregation grew between Latinos and whites by nearly 50 percent and between blacks and whites by about 20 percent as whites abandoned and minorities moved into areas most heavily distressed by foreclosures.
People whose sexual identities changed toward same-sex attraction in early adulthood reported more symptoms of depression in a nationwide survey than those whose sexual orientations did not change or changed in the opposite direction, according to a new study by a University of Illinois at Chicago (UIC) sociologist.
Social scientists have long argued documentary films are powerful tools for social change.
But a University of Iowa (UI) sociologist and his co-researchers are the first to use the Internet and social media to systematically show how a documentary film reshaped public perception and ultimately led to municipal bans on hydraulic fracking.
When members of the U.S. military leave the service, they tend to settle in neighborhoods with greater overall diversity than their civilian counterparts of the same race, according to a new study that will be presented at the 110th Annual Meeting of the American Sociological Association (ASA).
Indian-American spellers are known for dominance on the national stage and even host regional, culturally specific bees. How did the niche emerge?
Racial attachments are understood to be socially constructed and endogenous to gender, socioeconomic, and religious identities. Yet we know surprisingly little about the effect of such identities on the particular racial labels that individuals self-select. In this article, I investigate how social identities shape the racial labels chosen by biracial individuals in the United States, a rapidly growing population who have multiple labeling options.
This study examines whether working with a broker increases or reduces the payment received for the last client among female sex workers. Building on research on the informal economy and sex work, we formulate a positive embeddedness hypothesis, expecting a positive association, and an exploitation hypothesis, expecting a negative association. We analyze a large survey combined with intensive interview data on female sex workers in Andhra Pradesh, India. These data uniquely distinguish between the amount the sex worker actually received and the amount the client paid.
Scholars have documented the emergence of apparently race-neutral discourses that serve to entrench racial stratification following the elimination of de jure segregation. These discourses deny the existence of both present-day racism and the contemporary effects of histories of racial oppression. Researchers posit that individuals are socialized into these views, but little empirical attention has been paid to the processes through which such socialization occurs.


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Spring 2012
Directed by Rowan Marshall
We may not have all the details for this production, if you have any pictures or information please let us know!
Rowan Marshall
Musical Director
Rowan Marshall
Rowan Marshall
Assistant to the Director
Adam Greaves
Author: Don McKay
There was a very efficient Front of House team lead by RaeAnna and Wolfie Hammerbacker on this night of high competition from the television, which was showing several talent show finals, as well as the "Eurovision Song Contest", however a good number turned out to see the VAMPS excellent production of "Godspell". This is one of those shows that can be brilliant if done right, or absolutely terrible if done wrong, and I am pleased to say this was the former. Rowan Marshall and Adam Greaves' relaxed style of direction was spot on, and the simple set was smoothly managed by John Shadlock. Matthew Watson's lighting was well designed and operated, as was the sound by Chris Glenton and Nicki Compson. There was an incident in Act 2 that required quick thinking by the cast and even quicker thinking by the sound operator to resolve, and this was accomplished without any interruption, well done to all concerned. "The Band" consisted of Musical Director, Rowan Marshall and Elizabeth Millwood on keyboards, Dave Montgomery-Law and Hadleigh Spicer on guitars, with Ian Worsfold on percussion, and called in at the last minute to deputise, the very competent Matt Heyland on bass. This was a very tight unit, well balanced mixing both rock and ballads with perfect emphasis. For me they also provided the most emotional piece in the whole production, with the inspired decision to allow the actors to react to the situation in Gethsemane, whilst Rowan Marshall and Ian Worsfold harmonised beautifully in accompaniment. The choreography by Rowan Marshall, for such a large cast was wonderfully random with some really good set pieces. Every single member of this cast gave a fantastically energetic performance without exception, but a few stood out for me on the night. Keith Jenkinson's clarity of voice was a joy, Sarah Milthorp's power and soul shone through, and the brilliant Sam Waters gave the performance of a lifetime, portraying Jesus as a real man with flaws and weaknesses, but also making him "cool". This was a superb production and I congratulate the cast and crew for a great performance, but credit must go to Rowan Marshall for taking on such a vast project and managing every element with equal excellence.


text: Home / Resources / Library Library On this page you can find relevant researchs on drug-related health topics, including HIV, hepatitis C, drug and overdose prevention, harm reduction and drug treatment. You can also find our Clinical Guidelines. Type: ** All ** Publications IDHDP Resources Clinical Guidelines Category: ** All ** Drug Treatment - OST Drug Treatment - Psych Int Harm Reduction Hepatitis HIV/AIDS Human Rights National Drug Policies Prisons / Detention Centres Reproductive Health War on Drugs First«...456789101112...»Last ASEAN and HIV prevention amongst people who inject drugs: the need for an e ective and sustainable response Between 2010 and 2016, Asia and the Paci c registered one of the steepest declines in HIV infec ons globally, with prevalence rates dropping by approximately 13%. Despite this overall reduc on, HIV prevalence among people who inject drugs in Southeast Asia remains among the world's highest. Harm reduction and viral hepatitis C in European prisons: a cross-sectional survey of 25 countries Current estimates suggest that 15% of all prisoners worldwide are chronically infected with the hepatitis C virus (HCV), and this number is even higher in regions with high rates of injecting drug use. Although harm reduction services such as opioid substitution therapy (OST) and needle and syringe programs (NSPs) are effective in preventing the further spread of HCV and HIV, the extent to which these are available in prisons varies significantly across countries. The Global Fund Eligibility Policy and its impact on harm reduction funding The Global Fund to Fight AIDS, TB and Malaria is the largest funder of harm reduction globally, but its eligibility policy currently precludes certain Upper Middle Income Countries (UMICs) from applying for funding. Why access to morphine is a human right "It's easy to think of human rights as in some way innate, as something we and our ancestors have all simply been born with." says Jonathan Leighton, Executive Director, Organisation for the Prevention of Intense Suffering (OPIS) Harm Reduction: More than just clean needles Harm reduction is a realistic, pragmatic and non-judgmental approach based upon openness, understanding and respect. Drug-related deaths in Scotland 1979–2013: evidence of a vulnerable cohort of young men living in deprived areas Even after accounting for deprivation, mortality rates are higher in Scotland relative to the rest of Western Europe. Higher mortality from alcohol- and drug-related deaths (DRDs), violence and suicide (particularly in young adults) contribute to this 'excess' mortality. TAKING A NEW LINE ON DRUGS 'Taking a New Line on Drugs' assesses the situation in the UK as regards rising health harm from illegal drugs, with reference to their context within the wider 'drugscape' of legal drugs such as alcohol and tobacco, and sets out a new vision for a holistic public health-led approach to drugs policy at a UK-wide level. UN Human Rights Council reaffirms role of human rights in international drug policy debate Last Friday evening, 23 March 2018, the United Nations (UN) Human Rights Council concluded its 3-week long session by voting to adopt a Resolution reaffirming that human rights must play a central role in the ongoing international debate on global drug policies. Eastern Africa makes strides towards balanced drug policies Challenges related to the drugs trade in Eastern Africa are far from being resolved. While it used to be mostly a transit point, domestic demand is increasing. In 2012, Africa is estimated to have received about 9% of the global heroin trade. High Commissioner's global update of human rights concerns Annual Report and Oral Update by the High Commissioner for Human Rights on the activities of his Office and recent human rights developments Statement by the UN High Commissioner for Human Rights, Zeid Ra'ad Al Hussein First«...456789101112...»Last Share this on:


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May 3, 2018
Hey and welcome to the Podcast.
This Podcast started out as Your Power Tribe, but I changed the name to Your Power Outlet in Season 2.
You if you are curious Why, you can listen to my uncut and raw journey in Episode 19.
Otherwise, below are my notes from when and where I started. For now, I feel compelled to leave them as is.
I am your host Victoria Turner and I am thrilled to have you here.
I am an executive coach, entrepreneur and mother of three who works with professional women to get out of their own way, or as I like to say #GOOYOW, but for Your Power Tribe Podcast, I am not coaching.
My mission here is to create an outlet where working women can tune in to gain new perspectives by hearing how other women are navigating the similar challenges we all face, the things that are keeping us feeling stuck or bringing us less than joy….
Because we are not alone.
This is a place where women choose to ditch their need for perfection, open their armour and show up authentically.
Each episode has 3 segments.
First, we have a guest in the Power Seat, who may be a CEO, entrepreneur or stay-at –home mom who shares her challenge and ask for what she needs.
Secondly, the other 5-6 women at the table ask clarifying questions.
Third and final segment is where the women at the table share our relevant experiences.
The sharing is done in service to all of us, you the listener, the women at the table and of course the Power Seat.
We all get to hear new perspectives and choose what resonates, what we want to be intentional about doing differently in our own lives.
Because… we don't know what we don't know… and this is why we have so much to learn from each other.
And as unnatural as it may feel….nobody is actually going tell The Power Seat what to do. Who are we to tell anyone what to do.
The #Powertribe members are anonymous, so we open each episode with an opportunity to get a sense of the humans at the table, by either asking a question or pulling a word from my deck of cards and seeing what comes up for each person.
I'm so grateful that you've checked into see what Your Power Tribe Podcast is about. It was created in service of all of us and my wish is for you to know that this is Your #PowerTribe.
I've created a GOOYOW Facebook Group as a place to share what resonated, what you want to hold yourself accountable to doing differently, or just check in. Use however you feel inspired to. It's there for you!
You can also connect with me on Instagram @YourPowerOutlet.
Cheers, and have an awesome rest of your day!
Technical assistance, recording and editing by Evan Thompson: email@example.com | 647 386 3826.


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Q: I was training at 25-30 miles per week when I was diagnosed with a fibular stress reaction ( MRI showed bone marrow edema but no fracture). I am training to run the 2010 Boston Marathon in April. What is the average time off for a stress reaction and how gradually should training resume?
-- Sarah, Alaska
A: The presence of marrow edema but no fracture line is consistent with a stress reaction; a fracture line will be visible on MRI if a stress fracture is present. Even with a stress fracture, most runners are able to resume impact activities by 6 weeks. With the absence of a visible fracture, you should be able to start running sooner, probably 2-3 weeks.
It is important to determine why this injury occurred to prevent recurrent injury. Increasing the distance and/or intensity of running too quickly is a common cause of stress injuries. Inadequate estrogen level is a contributing factor, as are low intake of calcium and vitamin D.
When you resume running, alternate impact and non-impact days for the first couple of weeks. Then run 2 days and do non-impact exercises on the third day. Gradually increase to 3 days in a row. As long as you do not experience pain, you should be able to increase your training and should be ready for Boston.
-- Dr. Cathy Fieseler, M.D.