text:
Arminian Errors Pt 2
The cardinal doctrines of the everlasting gospel which Arminians wrest to their own destruction are:
(i) THE SOVEREIGNTY OF GOD IN HIS GRACE
God could have justly left all mankind to perish in their sin and misery, as He left the angels which kept not their first estate, but according to the good pleasure of His will, He chose in Christ, before the foundation of the world, all whom He purposed to save. "According as he hath chosen us in Him before the foundation of the world, that we should be holy and without blame before Him in love; having predestinated us unto the adoption of children by Jesus Christ to Himself, according to the good pleasure of His will" (Ephesians 1:4,5). "And we know that all things work together for good to them that love God, to them who are the called according to His purpose. For whom He did foreknow, He also did predestinate to be conformed to the image of His Son, that He might be the first-born among many brethren. Moreover whom He did predestinate, them He also called; and whom He called, them He also justified: and whom He justified them He also glorified" (Romans 8:28-30). These verses from among many which could be quoted, and the whole scheme of redemption from Genesis to Revelation, afford infallible and unqualified proof that salvation is of free and sovereign grace.
The ninth chapter of Romans is the Holy Spirit's commentary on the eternal decrees of God. In connection with these sublime mysteries it becomes us, as sinful finite creatures, to be still and to know that He is God, just in all His ways, holy in His works all, that His judgments are unsearchable and His ways past finding out. As the election of all whom He purposed to save flows from His sovereign good pleasure, so the passing by the rest of mankind has also its source in the unsearchable counsel of His sovereign will, in all the actings of which He is holy, just, and true. "Election is the expression of the divine mercy; reprobation of the divine justice. Whoever hold the doctrine of election must hold the doctrine of reprobation. Reprobation implies that God simply passes by the sinner leaving him as he is. In election He makes choice of the sinner in His sovereign grace. Both are acts of the sovereignty of God." (Rev. D. Beaton, Free Presbyterian Magazine, Vol. 35: p. 244). The non-elect are ordained of God, according to the unsearchable counsel of His will "to dishonour and wrath for their sin, to the praise of His glorious justice" (Confession of Faith, Chapter 3, section 7). It is not for their being passed by that they are punished, but for their sins. Their being passed by is a sovereign act: their condemnation is a judicial act of God in His capacity as a Judge. "Salvation is all of grace; damnation all of sin. Salvation of God from first to last—the Alpha and the Omega; but damnation of men not of God: and if you perish, at your own hands must your blood be required" (C. H. Spurgeon).
"The Sovereignty of God is the stumbling block on which thousands fall and perish; and if we go contending with God about His sovereignty it will be our eternal ruin. It is absolutely necessary that we should submit to God as an absolute sovereign, and the sovereign of our souls; as one who may have mercy on whom He will have mercy and harden whom He will" (Jonathan Edwards).
"All God's people, sooner or later, are brought to this point to see that God has a 'people,' 'a peculiar people,' a people separate from the world, a people whom He has 'formed for Himself, that they should show forth His praise. Election sooner or later, is riveted in the hearts of God's people. And a man, that lives and dies against this blessed doctrine, lives and dies in his sins; and if he dies in that enmity, he will be damned in that enmity (J.C. Philpot).
"The Arminians, on the other hand, hold and teach conditional election on a ground of foreseen faith. This is contrary to the Truth. As long as men are unregenerate, they are in a state of unbelief, without hope in God and without faith in Christ. When saved by grace, they have faith, but that not of themselves. It is not of their own power or free-will, but the gift of God through the efficacious teaching of the Holy Spirit. Faith, therefore, cannot be the cause of election. It is the effect of it and is insured by it. 'As many as were ordained to eternal life believed' (Acts 13:48). 'For by grace are ye saved through faith: and that not of yourselves: it is the gift of God: not of works, lest any man should boast. For we are His workmanship, created in Christ Jesus unto good works, which God hath before ordained that we should walk in them' (Ephesians 2:8-10).
The text quoted by Arminians in support of their doctrine of conditional election on the ground of foreseen faith, is 'Whom He did foreknow, He also did predestinate, etc.' (Romans 8:29). Such a view is superficial and untenable. "The word 'foreknow' in the New Testament usage, as pointed out by Dr. W.G.T. Shedd, is employed in the sense of the Hebrew yada (know) which denotes love and favour. 'Not foreknowledge as bare prescience,' says Calvin, 'but the adoption by which God had always from eternity distinguished His children from the reprobate.' The Scriptures represent election as occurring in the past, irrespective of personal merit. 'The children being not yet born, neither having done any good or evil, that the purpose of God according to election might stand, not of works, but of Him that calleth, it was said unto her, the elder shall serve the younger. As it is written, Jacob have I loved, but Esau have I hated' (Romans 9:11-13). The sovereignty of God's choice comes out clearly in the Pauline statement that Christ died for His people while they were yet sinners (Romans 5:8). It has been well said that Arminians take the choice out of the hands of God and place it in the hands of men" ('The Reformed Faith' by the Rev. D. Beaton, p. 24). 'But of Him and through Him and to Him are all things to whom be glory for ever. Amen' (Romans 11:36).
Another subterfuge resorted to by the Arminians in order to explain away the particular election of individuals, is to say that the text 'Jacob have I loved, but Esau have I hated' (Romans 9:13) means a national election, not particular persons, but Jacob's children and Esau's children—the children of Israel and the children of Edom. "Now, we ask them by everything reasonable," comments C.H. Spurgeon, "is it not equally unjust of God to choose one nation and leave another? The argument which they imagine overthrows us overthrows them also. There never was a more foolish subterfuge than that of trying to bring out national election. What is the election of a nation, but the election of so many units, of so many people?—and it is tantamount to the same thing as the particular election of individuals. In thinking, men cannot see clearly that if— which we do not for a moment believe—there be any injustice in God choosing one man and not another, how much more must there be injustice in choosing one nation and not another. No! The difficulty cannot be got rid of thus, but is greatly increased by this foolish wresting of God's Word. Besides here is the proof that it is not correct: read the verse preceding it. It does not say anything at all about nations; it says, 'For the children being not yet born, neither having done any good or evil, that the purpose of God according to election might stand, not of works, but of Him that calleth: It was said unto her, the elder shall serve the younger… referring to the children, not to the nation. Of course the threatening was afterwards fulfilled in the position of the two nations; Edom was made to serve Israel. But the text means just what it says; it does not mean nations, but it means the persons mentioned. 'Jacob'—that is the man whose name was Jacob—'Jacob have I loved, but Esau have I hated.' Take care, my dear friends, how any of you meddle with God's Word. I have heard of folk altering passages they did not like. It will not do, you know, you cannot alter them; they are really just the same. Our only power with the Word of God is simply to let it stand as it is, and to endeavour by God's grace to accommodate ourselves to that. We must never try to make the Bible bow to us, in fact we cannot, for the truths of divine revelation are as sure and fast as the throne of God. If a man wants to enjoy a delightful prospect, and a mighty mountain lies in his path, does he commence cutting away at its base, in the vain hope that ultimately it will become a level plain before him? No, on the contrary, he diligently uses it for the accomplishment of his purpose by ascending it, well knowing this to be the only means of obtaining the end in view. So must we do; we cannot bring down the truths of God to our poor finite understanding; the mountain will never fall before us, but we can seek strength to rise higher and higher in our perception of divine things and in this way only may we hope to obtain the blessing." (From sermon on 'Jacob and Esau' by C.H. Spurgeon).
Cautions Against a Wrong Use of the Doctrine of Election
The Westminster divines in Chapter 3, Section 8 of the 'Confession of Faith' state that "the doctrine of this high mystery of predestination is to be handled with special prudence and care." It is as far removed from the dead and blind doctrine of fatalism as light is from darkness. The book of God's eternal decrees is in the hands of the Saviour (Rev. 5). In the days of His flesh He gave thanks to the Father for the sovereignty of His grace. 'I thank Thee, O Father, Lord of heaven and earth, because Thou hast hid these things from the wise and prudent, and hast revealed them unto babes. Even so, Father: for so it seemed good in Thy sight' (Matthew 11:25,26). In the full light of that sovereignty which He as the eternal Son could fathom, and which to Him was the cause of praise and thanksgiving, He goes on in His mercy and love to give the gospel call, full, free and unfettered to sinners labouring and heavy laden to come unto Him as the One in whom alone they would find rest for their souls. If the sovereignty of God in His grace was a cause of praise and thanksgiving to the Great Prophet of the Church, who alone revealed to us the will of God for our salvation, how impious the caviling of those who reject the doctrine of election, or explain it away by attributing it to the fickle will of man, and not as the Scriptures do, to the good pleasure of God's eternal will. When Christ gives thanks to the Father, the Lord of heaven and earth, let us seek to have the mind that was in Him, and to offer praise and adoration before the Sovereign will of the great I AM, on the one hand, and on the other to give the call and free offer of the gospel, which He by His Spirit is able to make effectual to salvation.
The Rev. R. M. McCheyne in his sermon on the words, 'Unto you, O men, I call: and my voice is to the sons of man' (Proverbs 8:4) says: "Very often awakened persons sit and listen to a lively description of Christ, and of His work of substitution in the stead of sinners; but their question still is 'Is Christ a Saviour to me?' Now to this question I answer: Christ is offered freely to all the human race. 'Unto you, O men, I call.' There is no subject more misunderstood by unconverted souls than the unconditional freeness of Christ. So little idea have we naturally of free grace that we cannot believe that God can offer a Saviour to us, while we are in a wicked, hell-deserving condition. Oh, it is sad to think how men argue against their own happiness, and will not believe the very word of God!
"'If I knew I were one of the elect, I would come; but I fear I am not!' To you I answer: Nobody ever came to Christ because they knew themselves to be elect. It is quite true that God has of His mere good pleasure elected some to everlasting life, but they never knew it till they came to Christ. Christ nowhere invites the elect to Him. The question for you is not, Am I one of the elect? but, Am I of the human race?
"'If I could repent and believe, then Christ would be free to me; but I cannot repent and believe.' To you I say, Are you not a man, before you repent and believe? Then Christ is offered to you before you repent and believe. Christ is not offered to you because you repent, but because you are a vile, lost sinner. If Christ be freely offered to all men, then it is plain that all who live and die without accepting Christ shall meet with the doom of those who refuse the Son of God."
'The secret things belong unto the Lord our God: but those things which are revealed belong unto us, etc.' (Deut. 29:29). It belongs not to us as sinners to pry presumptuously into the secret things which belong to the Lord our God. Let us rather concern ourselves with what the Lord says belongs to us. The free offers and invitations and warnings of the gospel belong to us, that we repent and turn to the Lord. 'Let the wicked forsake his way, and the unrighteous man his thoughts, and let him return unto the Lord and He will have mercy upon him; and to our God, for He will abundantly pardon' (Isaiah 55:7).
"No man," writes Christopher Ness, "may judge himself a reprobate in this life, and so grow desperate; for final disobedience (the only infallible evidence of reprobation) cannot be discovered till death." ('An Antidote Against Arminianism,' p. 51).
"No person who is seeking God and salvation through His Son," said the great divine [theologian], Dr. John Love, "ought to apply the doctrine of the divine sovereignty thus: God is sovereign and therefore though I am seeking salvation yet He may deny it to me. This is false. But thus, God is sovereign and therefore He might have left me as He left others not to seek Him, but to reject and despise Him, but this He has not done. That is the proper sphere of sovereignty. It is manifested in the wonderful working whereby in the course of His providence one sinner is made to seek after Him while another is left not to do so. But it is not manifested in this that any ever sought His face in vain. 'They shall praise the Lord that seek Him.' Yea, in every degree of seeking Him, this reflection should encourage and lead to say, 'Blessed be God who has brought me thus far, further than others.' The doctrine as to practice should be applied to things past, and not to anything that is to come. So it is always in Scripture. We know the divine determination concerning events by the events themselves."
William MacLean-Arminianism-Another Gospel
Confession statement 23
Published in 1646
The Text used: There has been some updating of Old English words but otherwise no changes have been made to the original texts.
CONFESSION OF FAITH of seven congregations or churches of Christ in London. which are commonly, but unjustly, called Anabaptists; published for the vindication of the truth and information of the ignorant; likewise for the taking off those aspersions which are frequently, both in pulpit and print, unjustly cast upon them. Printed in London, Anno 1646.
XXIII ALL those that have this precious faith wrought in them by the Spirit, can never finally nor totally fall away; seeing the gifts of God are without repentance; so that He still begets and nourisheth in them faith, repentance, love, joy, hope, and all the graces of the Spirit unto immortality; and though many storms and floods arise, and beat against them, yet they shall never be able to take them off that foundation and rock, which by faith they are fastened upon; not withstanding, through unbelief, and the temptations of Satan, the sensible sight of this light and love, be clouded and overwhelmed for a time; yet God is still the same, and they shall be sure to be kept by the power of God unto salvation, where they shall enjoy their purchased possession, they being engraven upon the palms of His hands, and their names having been written in the book of life from all eternity.
Matt.7:24.25; John 13:10.10:28,29; 1 Pet.1:4.5,6; Isa.49:13.14,15,16.
The First London Baptist Confession 1644/46
Confession statement 21
Published in 1646
The Text used: There has been some updating of Old English words but otherwise no changes have been made to the original texts.
CONFESSION OF FAITH of seven congregations or churches of Christ in London. which are commonly, but unjustly, called Anabaptists; published for the vindication of the truth and information of the ignorant; likewise for the taking off those aspersions which are frequently, both in pulpit and print, unjustly cast upon them. Printed in London, Anno 1646.
XXI JESUS Christ by His death did purchase salvation for the elect that God gave unto Him: These only have interest in Him, and fellowship with Him, for whom He makes intercession to His Father in their behalf, and to them alone doth God by His Spirit apply this redemption; as also the free gift of eternal life is given to them, and none else.
Eph.1:14; Heb.5:9; Matt.1:21; John 17:6; Heb.7:25; 1 Cor.2: 12; Rom.8:29.30; 1 John 5:12; John 15:13,3:16.
The First London Baptist Confession 1644/46
Confession statement 19
Published in 1646
The Text used: There has been some updating of Old English words but otherwise no changes have been made to the original texts.
CONFESSION OF FAITH of seven congregations or churches of Christ in London. which are commonly, but unjustly, called Anabaptists; published for the vindication of the truth and information of the ignorant; likewise for the taking off those aspersions which are frequently, both in pulpit and print, unjustly cast upon them. Printed in London, Anno 1646.
XIX CONCERNING His kingly office, Christ being risen from the dead, and ascended into heaven, and having all power in heaven and earth, He doth spiritually govern His church, and doth exercise His power over all, angels and men, good and bad, to the preservation and salvation of the elect, and to the overruling and destruction of His enemies. By this kingly power He applieth the benefits, virtue, and fruits of His prophecy and priesthood to His elect, subduing their sins, preserving and strengthening them in all their conflicts against Satan, the world, and the flesh, keeping their hearts in faith and filial fear by His Spirit: By this His mighty power He ruleth the vessels of wrath, using, limiting and restraining them, as it seems good to His infinite wisdom.
1 Cor.15:4; 1 Pet.3:21,22; Matt.28:18,19; Luke 24:51; Acts 1:1, 5:30,31; John 19:36; Rom.14:9; John 5:26,27; Rom. 5:6,7,8, 14:17; Ga1.5:22,23; Mark 1:27; Heb.l:14; John 16: 15; Job 2:8; Rom.1:21; Eph.4:17,18; 2 Pet.2.
The First London Baptist Confession 1644/46
Infants are not to be church members just because their parents are
It may be well to state briefly what I understand to be the leading distinctive views of the Baptist churches. The fact that certain of these are more or less shared by others will be remarked upon afterward.
2. We hold that a Christian Church ought to consist of only persons making a credible profession of conversion, of faith in Christ. These may include children, even comparatively ye children, for God be thanked that these do often give credible evidence of faith in Christ! But in the very nature of the case they cannot include infants.
The notion that infants may be church members because their parents are seems to us utterly alien to the genius of Christianity not only unsupported by the New Testament, but in conflict with its essential principles; and we are not surprised to observe that our Christian brethren among whom that theory obtains are unable to carry it out consistently; unable to decide in what sense the so-called "children of the church" are really members of the church and subject to its discipline.
The other notion, that infants may be church members because so-called "sponsors" make professions and promises for them, seems to us a mere legal fiction, devised to give some basis for a practice which rose on quite other grounds. Maintaining that none should be received as church members unless they give credible evidence of conversion, we also hold in theory that none should be retained in membership who do not lead a godly life; that if a man fails to show his faith by works, he should cease to make profession of faith. Some of our own people appear at times to forget that strict church discipline is a necessary part of the Baptist view as to church membership.
John A. Broadus-The Duty of Baptists to Teach Their Distinctive Views
The Church has always been living and we have no quarrel with it
6. Their dilemma does not push us so violently as to oblige us to confess, either that the Church was a considerable time without life, or that we have now a quarrel with the Church. The Church of Christ assuredly has lived, and will live, as long as Christ shall reign at the right hand of the Father. By his hand it is sustained, by his protection defended, by his mighty power preserved in safety. For what he once undertook he will undoubtedly perform, he will be with his people always, "even to the end of the world," (Matthew 28:20.) With the Church we wage no war, since, with one consent, in common with the whole body of the faithful we worship and adore one Gods and Christ Jesus the Lord, as all the pious have always adored him. But they themselves err not a little from the truth in not recognizing any church but that which they behold with the bodily eye, and in endeavoring to circumscribe it by limits, within which it cannot be confined.
John Calvin-Prefatory Address to Francis King of the French-Institutes of the Christian Religion
The unsaved increase their guilt by being baptized and partaking of the Lord's Supper
Now, I suppose if I were to labor never so arduously to hunt out this evil spirit from the sons of men, I should miss it still, for it hides in so many shapes, and therefore let me say, that in no shape, in no sense, in no single case, and in no degree whatsoever, are we saved by our works or by the law. I say in no sense, because men make such shifts to save alive their own righteousness. I will show you one man who says, "Well, I don't expect to be saved by my honesty; I don't expect to be saved by my generosity, nor by my morality; but then, I have been baptized; I receive the Lord's Supper; I have been confirmed; I go to church, or I have a sitting in a meeting-house; I am, as touching the ceremonies, blameless." Well, friend, in that sense you cannot be saved by works, for all these things have no avail whatever upon the matter of salvation, if you have not faith. If you are saved, God's ordinances will be blessed things to you, but if you are not a believer you have no right to them; and with regard to Baptism and the Supper, every time you touch them you increase your guilt. Whether it be Baptism or the Lord's Supper, you have no right to either, except you be saved already, for they are both ordinances for believers, and for believers only. These ordinances are blessed means of grace to living, quickened, saved souls; but to unsaved souls, to souls dead in trespasses and sins, these outward ordinances can have no avail for good, but may increase their sin, because they touch unworthily the holy things of God. Oh! repose not in these; oh! dream not that a priestly hand and sacred drops, or a God-ordained baptism in the pool, can in any way redeem you from sin, or land you in heaven: for by this way salvation is impossible.
Charles H. Spurgeon—Grace Exalted-Boasting Excluded—A Sermon Delivered on Sunday Morning, January 19th, 1862


text:
Installing Corsair iCUE screwed up my PC(self)
I just installed Corsair iCUE, and upon restarting the PC to complete the installation, I got a BSOD: "INACCESSIBLE BOOT DEVICE". It does this every time the PC starts up.
Windows automatic startup repair fails miserably, and I can't even roll back to a system restore point because that fails too with error code 0x80070003. I'm pretty much stuck. Any suggestions?
I run iCUE... and I can't see anyway it would screw up your boot sectors / OS. Do you have a random USB device plugged(flash drive / external) in or a cd / dvd in your optical drive?
Could just be coincidence. But installing iCUE was literally the only thing I did between when everything was working fine and when I started getting BSODs.
Anyway I'm impatient and just finished reinstalling Windows; I just wanted to get back to using the PC instead of waiting potential days for an answer to an obscure problem. I'll leave this up though in case anyone else has the same issue

subset: commoncrawl


text:
A meshfree approach to non-Newtonian free surface ice flow: Application to the Haut Glacier d'Arolla.
Ahlkrona, Josefin and Shcherbakov, Victor (2017) A meshfree approach to non-Newtonian free surface ice flow: Application to the Haut Glacier d'Arolla. Journal of Computational Physics, 330 . pp. 633-649. DOI 10.1016/j.jcp.2016.10.045.Full text not available from this repository.
Numerical models of glacier and ice sheet dynamics traditionally employ finite difference or finite element methods. Although these are highly developed and mature methods, they suffer from some drawbacks, such as inability to handle complex geometries (finite differences) or a costly assembly procedure for nonlinear problems (finite elements). Additionally, they are mesh-based, and therefore moving domains become a challenge. In this paper, we introduce a novel meshfree approach based on a radial basis function (RBF) method. The meshfree nature of RBF methods enables efficient handling of moving margins and free ice surface. RBF methods are also accurate, easy to implement, and allow for reduction the computational cost associated with the linear system assembly, since stated in strong form. To demonstrate the global RBF method we model the velocity field of ice flow in the Haut Glacier d'Arolla, which is governed by the nonlinear Stokes equations. We test the method for different basal conditions and for a free moving surface. We also compare the global RBF method with its localized counterpart the RBF partition of unity method (RBF-PUM) that allows for a significant gain in the computational efficiency. Both RBF methods are compared with the classical finite element method in terms of accuracy and efficiency. We find that the RBF methods are more efficient than the finite element method and well suited for ice dynamics modeling, especially the partition of unity approach. (C) 2016 Elsevier Inc. All rights reserved.
|Document Type:
|Ice sheet modeling, Non-Newtonian fluid, Free surface flow, Meshfree method, Radial basis function, Partition of unity
|Research affiliation:
|Kiel University
Kiel University > Kiel Marine Science
OceanRep > The Future Ocean - Cluster of Excellence
|Open Access Journal?:
|DOI etc.:
|Future Ocean
|Date Deposited:
|09 May 2017 09:22
|Last Modified:
|23 Sep 2019 20:57
Actions (login required)
|View Item
Copyright 2013 | GEOMAR Helmholtz-Zentrum für Ozeanforschung Kiel | All rights reserved
Questions, comments and suggestions regarding the GEOMAR repository are welcomed
at firstname.lastname@example.com !


text:
Lawrence Jennings Winans (1897-1960) married Rosalia Osborne.
Businessman, lumber. Moved from OH to Pittsburgh.
Lawrence was probably born in Galion, OH, the son of William J. and Minerva (Marlott) Winans. His older sister, Hazel, was born on 2/28/1895. She married Henry T. Parris, with whom she had six children. Her family settled mainly in the area of Conneaut, OH. William's last child, Bernice, died at age 10 months, and is buried in Galion.
Lawrence served as a page in the OH Legislature in Columbus during high school. He wanted to become a lawyer. He attended Wooster College for a short time, and served briefly in the army during the latter part of World War I.
Lawrence started working for a lumber company in Marietta, OH and lived there for a short time. He relocated to Pittsburgh, PA around 1918. Lawrence married Rosalia Osborne (1898-1995) of North Pittsburgh in January of 1921. The couple went on to have nine children, none of whom had much knowledge of their family heritage.
The 1920s were prosperous times in
Pittsburgh and for Lawrence's family. He went to work for Wilson Brothers
Lumber Company, and worked for this company for many years. His work
included bookkeeping, and he progressed to the position of President.
Lawrence did very well through the depression years. He built his home on
Spencer Ave. around 1934. Timber of the lands of his company was depleted,
and the company folded, at which point the lands were sold to the U.S. for
Military grounds.
Dave Winans
September 2013
Thank you, cousin Dave, for sharing a biography of your grandfather, who was another "hitherto unknown to us" Winans relative, and for sending us the photo of Lawrence and Rosalia. Dave comments, "We think this is their wedding picture from December of 1920 or January of 1921. Everyone in Pittsburgh wore black back then because of the soot."


text:
Manchester City vs. Basel live stream info, TV channel, time How to watch Champions League 2018 on TV, stream online. UEFA Champions League Round Of 16 Man City Vs Basel Coverage On TV just following bellow this link.
Manchester City vs. Basel Live
Champions League
Manchester City vs Basel
Date : Wednesday, March 7
Time : 2:45 Pm ET
Manchester City is closing in on a spot in the Champions League quarterfinals and will look to cement its spot on Wednesday when it faces Basel in the second leg of their round of 16, after winning the fist leg 4-0.
Manchester City will look to advance to the quarterfinals of the 2017-2018 UEFA Champions League as they host FC Basel at the Etihad Stadium on Wednesday in the second leg of their Round-of-16 competitions.
City routed FCB, 4-0, during their first meeting at St. Jakob-Park in Basel on February 13. German midfield Ilkay Gundogan scored a brace while Portuguese midfielder Bernardo Silva and Argentine striker Sergio Aguero netted one goal apiece to pull off the four-goal haul.
You can watch this EVENT live stream on all TV Chanel Manchester City vs Basel Live. Any one of these channel will broadcast this *Watch 2018 Championsship Live* Basel vs Manchester City Live Streaming, Today's hard-hitting big match will held involving by Basel vs Manchester City Championsship Live that's Streaming Live Online Today from site.
Manchester City vs Basel Championsship 2018 Date Time Tv Info How To Watch Live Stream Online, Watch Manchester City vs Basel and all Sports Live all the games, highlights and interviews live on your PC. The Online TV Player is ideal for the frequent traveler in long airport waits and train rides. Get instant access to the widest sports coverage on the net directly from any location. Watch Over 4500 Plus Full HD TV Channel on Worldwide. Crystal clear coverage is essential so you Ion't miss any part of the action. The High definition (Full HD) TV. It's the best on the net.


text:
Deck Installation in Wichita
Backyard Deck
In summer, the night begins and ends on a Wichita backyard deck. Decks come in all shapes and sizes and can be built in conjunction with a pergola. If your home doesn't have a backyard deck yet or is in desperate need of repair, call Strategic Remodel today.
Most decks are made of wood, and wood choices include treated lumber or cedar if you want a natural or stained wood look. If you want a painted deck, we could construct it with regular lumber and paint to suit. The homeowner also has options for synthetic decks which are completely maintenance free and look absolutely awesome. Our decks are tailor made just for you!
A new deck from Strategic Remodel is an excellent investment for your home. It enhances your exterior's appearance, provides additional space for family and guests, and extends your outdoor season.
Covered Decks
If you want to extend the seasons even more, consider a covered deck from Strategic Remodel. A screened in deck keeps bugs, mosquitos, and debris off of your deck and provides a sanctuary for family and guest to enjoy day and night. Covered decks can be attached or unattached from the home. In either case, we will design and build it to perfectly match and blend your current home.
Contact Strategic Remodel Today
Enjoy your backyard more often by letting Strategic Remodel change it into an oasis. Let us provide you with a variety of options for your next exterior home remodeling project. Our team will meet with you and draw up plans that will exceed your expectations. Call us today at (316) 737-7568.


text:
What is the effect of reducing assets when a VA benefit's claim has been filed and pending?
What is the effect of reducing assets when a VA benefit's claim has been filed and pending?
After a claim is filed, usually, the transfer of assets is not allowed. Therefore, the claim will be denied, and, as previously blogged this will raise Fraud issues.
To increase your monthly income, please contact us about a FREE HANDBOOK about VA Benefits, written by David Wingate, an accredited VA Attorney, of Senior Life Care Planning, LLC, go to firstname.lastname@example.com or if you require additional information about VA Benefits, visit our Senior LCP's Website.
We also have a Blog on Elder Issues and Veteran's Benefits.
If you are not receiving our Newsletter, go ahead and subscribe to our free NEWSLETTER to stay on top of senior issues.Tags: Aid and Attendance, asset protection, elders, life care planning, long term care, ltc, medicaid, Medical Assistance, non service connected pension, nursing homes, pensions military, senior life care planning, seniors health, service connected pension, VA, VA benefits, va pensions


text:
Ever since I got to try this in the special edition #BeloGlamourbox, it did not leave my bag ever! I always bring this with me everywhere! I remember I had physical therapy sessions in UST Hospital, most of which are scheduled in the afternoon and this had been my bestfriend since!
Then I almost fainted when I saw this being sampled in Sample Room! I gotta have a backup of this, so I helped myself with one sample of this plus the Skin White body wash.
Product Description (from Sample Room)
Key Benefits:
- Provides broad-spectrum protection against UV rays
- With Cell Protect® Technology that strengthens the skin's defense system, maintaining healthy skin while preventing accelerated premature skin aging
- Anti-aging
- Sprays at any angle
- Quick absorbing with even coverage
- Non-sticky
- Water resistant
- Immediate effectivity (no waiting time)
- Mild cooling effect
- Paraben-free
- Hypoallergenic and dermatologist tested
Full size: 100ml
Price: PHP 449.75
Sample Size: 1 pc. 100ml (full-sized)
Want to stay young in the sun? Then click Continue Reading!
A sunblock mist that feels like dry oil on the skin? A first from Belo SunExpert!
Same yellow label as all variants of Belo SunExpert, but this is housed in a clear plastic bottle, with spray on top. I like that it is clear; easier for me to see how much product is left. Yes, the spray is covered but it is a bit loose and could get lost if you just stash it in your bag. Spills a little, especially when not kept vertically. When I am bringing this, which is every day, I make sure that I put it in a cellphone compartment inside my bag so I'll be sure it is not going to spill. I love that I can just get it in my bag, whatever I'm doing, then spray away. I can put it while I'm walking, crossing the street, or riding a vehicle. No worries that the cover might fall or be misplaced.
Since it is a spray type sunblock, it can reach those hard to reach areas (back and butt area) easily. When I spray it on my right arm, I just rub it against my left arm and I feel protected already!
I love that the mist feels cool on the skin. Such a refreshing feel when I'm all sweaty outdoors! After rubbing it, it dries up like oil which makes skin glisten in the sun.
I tend to reapply after every hour because it's so much fun and easy to use! I even forget that I use it as a sunscreen because most of the time, I feel like I use it as a refreshing body mist! I love the light scent this has. One time, while riding a jeepney on my way to the hospital, I sprayed the mist just before I went down, the driver said, "Ang bango naman ng pabango mo. Hindi matapang sa ilong." Before I went down, I smiled and answered, "Ahh. Opo."
I am very much in love with this product! It has everything I need in a sunblock! If there's one staple in my bag, this would be it! I can't bear the heat and humidity here in Manila, so I make sure that I keep my cool while I keep my skin protected. At times, when I forget to bring my daughter's sunblock, I let her use this and there are no irritations that appeared on her skin. Thumbs up to this quick-drying, paraben-free, lightweight, water resistant, non-comedogenic, hypoallergenic sunblock!
Best part is that there is no more waiting time for this! Apply it then head outdoors and stay young in the sun!
What I Like:
- has high sun protection factor (SPF 50)
- has broad spectrum UVA/UVB protection
- with Cell Protect Technology that keeps skin's immunity from the sun, maintains healthy skin and prevents aging
- prevents formation of wrinkles
- easily absorbed by the skin
- feels light on the skin
- safe for sensitive skin
- I even use it for the face!
- water resistant
- moisturizes skin with its oil-based consistency
- gives skin a summer glow
- does not feel sticky
- feels cool and refreshing with every application
- lets me enjoy the sun without worrying about my skin
- lightly scented
- paraben-free
- very user friendly
- can be applied even to the hard to reach areas of the body
- works as soon as it is applied
- hypoallergenic
- dermatologist tested
- no skin irritations experienced
- a little goes a long way
- reasonably priced at ₱449.75
- available in all leading department stores and drugstores
What I don't like:
- The yellow cap cover of the spray keeps falling off that I just leave it at home.
- If not packed properly, there is a possibility of product spillage.
Does this post overtly show how much I am into this?! I love this!!! I am definitely going to repurchase this when my backup runs out!
Belo SunExpert Transparent Mist SPF50


text:
We support the development of a diverse, highly skilled and competitive workforce in the county that meets the needs of employers both now and in the future. We have teams focusing on supporting the development of skills for young people and routes to employment through working with local schools, businesses and those with barriers to work.
Below is a list of the services we provide:
The Work Wiltshire website is a one stop shop for education, employment and skills information. You can choose from sections: young people's next steps, jobs & careers, apprenticeships, parents' information, further & higher education, support for those with barriers to work, financial support, local programmes, support for schools and information for employers.
Be Involved is an initiative that enables employers to support the employability of our young people and the future workforce. Being part of Be Involved means your business can support the residents of Swindon and Wiltshire and inspire a future workforce, as well as assisting local projects such as the Enterprise Adviser Network and Building Bridges.
The Swindon and Wiltshire Enterprise Adviser Network strengthens links between local employers and the schools/colleges in the Swindon & Wiltshire Local Enterprise Partnership area so that together they can inspire and prepare young people for the fast-changing world of work.
Volunteer Enterprise Advisers, drawn from businesses across Swindon & Wiltshire, are working with school/college senior leadership and careers teams to help create or enhance employer engagement strategies for careers and enterprise and to help raise the aspirations of our young people.Close
Building Bridges supports people across Swindon and Wiltshire who are facing significant challenges to develop their skills, access education or move towards the world of work. It is aimed at those who are unemployed, economically inactive and those facing multiple, complex challenges and barriers that could affect employability.
The programme is delivered by a partnership of 40 local organisations, who are experts at supporting those furthest from employment and will help them to gain the skills and confidence they need to move forward.
Our employment support officers will work with participants to form an action plan to help them to move forward. Support is tailored to each participant, and so ranges from person to person but could include CV writing, job searching, mock interviews, and/or support to find a volunteering or placement opportunity.Close
Higher Futures is a free and impartial skills service. We work with any size business to identify your existing and future workforce needs. We can advise on apprenticeships at all levels, training, resourcing your team and can signpost to a range of other skills programmes which employers can tap into to help build their talent pipelines. You choose the type and amount of support you require and we do the rest!
We can support local employers in Wiltshire to find out more about the process of employing an apprentice. Whether you have recruited before and would like information on the Apprenticeship Levy or are new to the process, our Employment and Skills Officers can help you.
Support is offered in the following ways:
- How an apprenticeship works and how it can fit into your business
- An overview of the funding and courses available
- Help to advertise your vacancy on our website and social media channels
We support outcomes for young people through our Employment & Skills Officers who keep up to date on the post 16 opportunities available through local training providers, ESF programmes, social enterprise initiatives, apprenticeships, volunteering, traineeships and internships. Communicating what is on offer through our Work Wiltshire website and advising on provision for those who are at risk of not participating in education, employment or training. In addition to more targeted support for Looked After Children and Care Leavers through local and more tailored provision aimed to inspire and support successful transitions into adulthood.
We provide generalist recruitment support and guidance for those small business with no or limited HR expertise on how to effectively recruit new staff, including advice on creating job descriptions, advertising jobs and the recruitment process before and after appointment. We supply HR templates to help along the way as well as information on courses and guides for managers to upskill themselves.
We have produced an informative set of Labour Market Intelligence documents to give residents a better understanding of the Labour Market around them; showing what sort of jobs are available in their community, a selection of businesses on their doorstep, types of apprenticeships and much more.
There is also a selection of information booklets based on industry sectors across Wiltshire and Swindon, which explain projected growth, skills shortages/demands, recruitment, example positions and salaries, related courses, apprenticeships and skills by sector.Close
The Education, Employment and Skills Board brings together the council and key partners working on the employment and skills agenda. The board takes a strategic view of current progress and future developments, supported by task and finish groups to address live issues where appropriate.
The board's objectives are:
- To disseminate information, facilitate networking and encourage collaboration between interested parties to enable them to work more effectively and successfully maximise the use of resources in the county
- To influence other groups to get them to understand the importance of the employment and skills agenda in Wiltshire and as a result bring more resources into the county for the right activities
- To monitor the impact of the above activities in terms of how many people have benefitted from apprenticeships, training and so forth
Additionally, the board has a data dashboard containing education, employment and skills key performance indicators, which shows how Wiltshire are performing compared to its statistical neighbours, which are updated quarterly.
If you are interested in being part of this board, please email firstname.lastname@example.com for more information.Close
Latest tweets
We have been updating the list of free learning resources as the week has progressed https://t.co/hbBcXZmAxE keepin… https://t.co/UkybroDmvj
27 Mar 2020 11:05
Offering industry placements give you fresh ideas from the next generation & access to a pipeline of talent. A new… https://t.co/cEJ0JIYEC7
26 Mar 2020 11:20
Our #COVID19 support page is now live on Work Wiltshire - find all the links for business support in one place alon… https://t.co/zzYeTChdpC
25 Mar 2020 13:50
For more learning at home ideas visit our news page https://t.co/hbBcXZmAxE https://t.co/1CDCEVglas
25 Mar 2020 12:42


text:
On an agriturismo, or farm stay holiday, clients can relax in rustic surroundings while tucking into fresh, home-cooked food and local wine. Abra Dunsby rounds up options from around the world
Inspiring rural scenery, peace and quiet and a plate piledhigh with food plucked fresh from the field – an agriturismo, or farmstay, is ideal for clients who prioritise nature and their bellies while on holiday.
As the name suggests, the agriturismo is an Italian concept, signifying an independently owned farm with rooms for guests to stay in. There are more than 20,000 in Italy, most of which are listed on agriturismo.it, with countless choices for both families and couples.
The ambiance is laid-back, with clients cohabiting alongside just a handful of other guests, if any at all. An agriturismo stay not only brings clients closer to nature but also allows them to spend time with locals, away from touristy hotels. The focus is, of course, the food; simple, often regional, and soul- stirringly good.
Agriturismi (plural of agriturismo) aren't just restricted to Italy, however. The farmstay trend continues to grow, with options now popping up everywhere from Brazil to Tanzania.
Tuscany is rich in agriturismo stays and offers an abundance of product. Standouts include a new vegan trip from Intrepid Travel, during which clients stay at I Pini agriturismo overlooking the hills of San Gimignano; and a new Taste of Tuscany self-guided walking holiday from Exodus and Headwater, exploring the region's olive groves, lakes and vineyards and also incorporating a Tuscan cooking class.
Simply Italian sells agriturismi in Tuscany, Emilia-Romagna and Puglia. The operator's managing director, Daniele Broccoli, says they are becoming increasingly popular due to the "relaxed atmosphere created by the owners and locals, and the Italian food and wine available from source". Broccoli recommends that clients hire a car, giving them the freedom to get out and explore.
"Properties offering bike hire or with a swimming pool are now increasingly in demand and attract the family market," he adds.
Tuscany agriturismo stays can be combined with time in Florence, while the operator's new options in Puglia combine trips to Ostuni and Alberobello with pasta-making masterclasses and a Salento wine-tasting tour.
Prestige Holidays has added to its range of agriturismi in Sicily and Puglia this year. Italian specialist Paul Stratton says: "Sicily really does lend itself to agriturismo holidays. Great for the more independent traveller, these properties tend to be small and family-run, ranging from restored farmhouses to winery or olive oil estates.
"The best times to visit are either April to June or September and October, mainly because the temperature is ideal, plus the seasonal produce is at its best."
Book it: Prestige Holidays offers a five-night Sicily twin centre from £635pp, departing April 7, 2019 including flights, accommodation and car hire. prestigeholidays.co.uk
Famed for its sherry and sun- drenched pastoral landscapes, Andalucia is the perfect setting for a food-filled countryside retreat.
Located in the quiet village of Los Marines is Finca Buenvino, a farmstay that's been lauded by TV chefs including Darina Allen and Thomasina Miers. Here, clients can dine on meals made with organic, seasonal fruit and vegetables picked from the garden – produce includes aubergines, fennel, cherries and figs.
The finca (literally farm or estate in Spanish) also keeps chickens for fresh eggs and Iberian pigs for cured Serrano hams and chorizo. Meals are finished off with the finca's own dry Oloroso sherry, blended for them by sherry brand Gonzalez Byass in Jerez.
Clients can sign up to four or five-day cookery courses at the finca, or take time out to enjoy the surrounding forest of Sierra de Aracena national park on country walks.
Book it: Sunvil offers a three-night B&B stay at Finca Buenvino from £512pp based on two sharing, including flights and car hire. sunvil.co.uk
The Balearic Islands are home to 29 agriturismi, from the family-friendly Son Siurana in Majorca to the five-star Atzaro Hotel in Ibiza. Cugo Gran in Menorca is the island's only five-star option, set on a 250-acre countryside estate.
Guests can collect eggs from the chickens, pet the donkeys and spot more than 2,000 turtles residing on the grounds. The hotel recently introduced a paella masterclass run by head chef Roberto Sarrio, and clients can also try local wines as part of wine-tasting sessions (the hotel has its own vineyard and produces its own wine).
General manager Samuel Santos says that agriturismi also appeal to guests with an environmental conscience. "Preservation of the environment, self-management and the use of local products are the main foundations of an agriturismo," he says.
"These aspects are increasingly important to our guests and to a new generation that really cares about the environment and being immersed locally when on holiday." Cugo Gran can also be hired as an exclusive-use villa in the summer months.
Book it: Red Savannah offers a week's exclusive-use stay at the 11-bedroom Cugo Gran from £2,105pppn based on 22 people booking for a week in low seaon, including flights and transfers. redsavannah.com
Fazenda Catucaba is located halfway between Sao Paulo and the Pousada Picinguaba, sitting on more than 1,000 acres of organic farmland dotted with rivers and lakes. The building dates back to the 1850s and incorporates a new lakehouse, constructed last year and popular with families in need of more space.
All food harvested is organic, with the farm producing coffee, cachaca, cheese, meat and plenty of seasonal fruit and veg. "Guests can ask to be involved in any task they want to around the farm. Alternatively, the concierge can arrange excursions around the property including hikes, horseback riding, picnics and yoga," says Matt Nilsson, South America product executive at Audley Travel.
Book it: Audley Travel can include a stay at Fazenda Catucaba as part of an 11-day tailor-made Brazil trip. Prices start from £5,860pp based on two sharing including flights, transfers, accommodation and excursions. audleytravel.com
Gibbs Farm lies close to the slopes of the Ngorongoro crater. Originally a coffee farm in the 1920s, the peaceful guest-house now grows produce in its coffee and vegetable fields, and allows its guests to help feed the animals and milk the cows.
Daniel Heatley, Africa product executive at Kuoni, says: "People come here for the Ngorongoro crater but so many say their favourite part of their trip was the homely farmyard surrounds of Gibbs Farm. It's an interactive experience with a variety of excursions both in the gardens and with the animals."
Guests can immerse themselves in activities including bread-making, coffee-roasting and gathering around the campfire after meals to hear tales of Iraqw culture and tribal folklore.
Book it: Kuoni offers a three-night stay at Gibbs Farm as part of its five-day Unsurpassed Tanzania package, priced from £4,995pp and including flights and transfers. kuoni.co.uk
There's been a real boom in agriturismi in recent years and there's a huge variety of experiences on offer – from the humbler agriturismi offering simple, traditional accommodation with the chance to immerse yourself in the life of the farm and enjoy rustic home- cooked meals, to more luxurious properties with excellent facilities such as outdoor pools, high-speed Wi-Fi and flatscreen TVs, as well as a more refined gastronomic o ering. Staying at an agriturismo will appeal to people who enjoy good food and wine and are looking for an authentic, under- the-skin experience, as well as families who will appreciate the space and freedom of the countryside setting. Most agriturismi are family-run, and you can expect a warm welcome.


text:
As a follow-up to their critically-acclaimed debut "Carnival," Nora Jane Struthers & The Party Line serve up love, confidence, and a compelling re-appreciation of childhood feelings, good and bad on "WAKE."
There is something familiar in the voice of Struthers, with equal parts of Kelly Willis and Natalie Maines on display, particularly on the driving "I Ain't Holdin' Back" and the hopeful "Let Go." Struthers is strong and sure, with a hummingbird undertone that is all her own. Writing or co-writing all 11 tunes here, Struthers opens up in this mostly hopeful collection that finds comfort and promise in tomorrow, while acknowledging both were once in short supply.
Demonstrative of this is "The Wire," as Struthers sings "I am ashamed it took finding him, to open my eyes," oblivious of being on the wrong end of a bad relationship until the right man came along. Another standout is "The Same Road," that speaks of "bright blue" just beyond the clouds. Following this vein is "The Other Side" (with guest banjo by Rob McCoury) in which a girl longs for the day she can (or remembers when she did) "ride" away from home and "The South" about home being where the heart is.
Breaking the introspective mood are upbeat "Dreamin'" and "Don't Care" which are fun, hook driven selections, tailor-made to showcase the musicians in live performances. Be warned, some of the lyrics are unusual. The line "If I was a crocus, lovin' you would be the spring" in "Loving You," and the repeated, grating simile, "like meat loves salt," in "When I Wake," are examples. The repetitiveness of the refrain in "Mistake" grows old as well. Still, the phrasing, inflection, and sincerity of the singer, coupled with the exceptional musicianship of band, carry the day and make "WAKE" something approaching a minor Americana masterpiece.


text:
Best Bed-In-A-Box Mattress Buying Guide
Buying a mattress online can potentially save you a ton of money, but first, there are some important things you should know. In this buying guide, we'll cover all the important questions as well as compare popular bed-in-a-box brands to help you find the best mattress.
You're in the market for a new mattress, but you've found that many online companies seem to provide similar high-quality materials, extensive guarantees, and ultra-competitive prices. How in the world can you make the most informed decision?
In this guide to buying a mattress online, we'll walk you through all the important factors you'll want to consider before making a purchase—starting with an honest look at the pros and cons.
The Pros of Purchasing a Bed-In-A-Box Mattress Online
Unsurprisingly, one of the biggest advantages of buying a mattress online—and likely one of the main factors that brought you here today—is the price.
This is because companies can cut out expensive middlemen who are normally an integral part of the process, such as distributors, retail locations, salespeople, etc., and then pass the savings on to their customers.
This way, you might be able to purchase a mattress online for up to 75 percent less than a comparable retail option.
Convenience is also another big benefit of shopping for a mattress online, since you can learn tons of useful information on each manufacturer's website, without having to travel around to multiple stores or haggle with pushy salespeople.
On top of this, nearly all bed-in-a-box mattresses come with free shipping, complimentary delivery, and lengthy in-home trials; low (or no) cost returns, and arrive in vacuum-packed boxed that are easier to move around.
And if you are interested in what other consumers have to say, finding reviews is often just a few mouse clicks away since these companies operate solely online and generally manufacture a limited product line.
The Cons of Purchasing a Mattress Online
Now, some of the very factors that benefit online mattress shoppers can also cause some potential drawbacks.
For example, while a lack of retail locations can help you save money, it also means you won't be able to try before you buy. In a moment, we'll provide some details that can help you find the best option without trying one in-store, but in the meantime, keep this in mind:
According to Sleep Like the Dead, who researched satisfaction ratings among more than 22,400 mattress owners, "statistically speaking, for people overall, there is only a modest increase in risk of being dissatisfied from buying a mattress online."
So, while the thought of buying a mattress online might scare you half to death, the reality is that it's not meaningfully riskier than buying one in-store.
"There is only a modest increase in risk of being dissatisfied from buying a mattress online."
Similarly, the lack of a salesperson also means that you can't negotiate price—but since online options are typically much less expensive than retail, this might not be a huge issue.
In addition, you won't be able to lean on a salesperson for assistance if you have questions (we'll talk about how to work around this shortly).
Regarding their specific products, one of the bigger drawbacks is that most online-only companies rely on independent factories (known as OEMs) to manufacture their mattresses, which have limited options available.
As a result, there are often few differences between these mattresses, with the exception of the foam layers found inside.
Speaking of which, most online mattress companies manufacture a single medium-firm option, so if you prefer an especially plush or firm sleeping surface, then you might choose to stick with traditional retail options.
Comparison of Popular Bed-In-A-Box Mattress Brands
Since you're in the market for a new mattress, we've tabulated eight important factors below that you can use to compare each company at a glance:
|Number of Layers
|Cushion Types
|Home Trial
|Additional Services
|3-5, depending on model
|OEKO-TEX Latex, Memory
|$350 - $2,250
|Varies, depending on model
|100 nights
|10 years
|Sheets, pillows, dog bedding, frames, financing
|Cocoon by Sealy
|Memory, Support foam
|$399 - $999
|Soft, Firm
|100 nights
|10 years
|Pillows, foundations
|Model-specific Inner-spring, Soy foam, Latex, Numea Gel Matrix
|$2,699 - $6,399
|Simultaneously firm and soft
|60 nights (must purchase mattress protector: $90)
|20 years
|Mattress removal, sheets, pillows, adjustable bases, box spring, frame, topper, electronics, financing
|Memory, Avena
|$525 - $1,070
|100 nights
|10 years
|Pillows, sheets, blanket, foundations, financing
|Gel-infused memory, Polyure-thane
|$500 - $900
|100 nights
|10 years
|Gel, Memory foam, Support foam
|$799 - $1,199
|Soft, Med, Firm
|120 nights
|15 years
|Comfort+ firmness adjustment
|Gel grid, Comfort foam, Support foam
|$699 - $3,499
|100 nights
|10 years
|Pillows, sheets, seat cushions, bases, financing
|Wrapped and steel coils, Memory foam
|$599 - $1,399
|Plush Soft, Luxury Firm, Firm
|120 nights
|15 years
|Mattress removal, in-home setup, financing
|Tuft and Needle
|High-density, pressure-relieving T&N adaptive foam
|$325 - $700
|100 nights
|10 years
|Pillows, sheets, protector, frames
|Memory, YogaGel
|$549 - $949
|101 nights
|10 years
|Pillows, sheets, protectors, financing
|Talalay latex, Wool
|$1,299 - $2,499
|Luxury Plush, Med Firm
|120 nights
|20 years
|Frames, foundations, adjustable bases
Sizes Guide: T=Twin, TXL=Twin XL, F=Full, Q=Queen, K=King, CK=CA King
Outside of what's listed above, are there any other factors you should keep in mind when choosing an online mattress?
Bed-In-A-Box Mattress Buying Guide
When buying a new mattress, it's likely that comfort is your number one goal (and budget, of course). The problem? Comfort is such a subjective experience since we each have our own ideal levels of support, spinal alignment, pressure relief, and so forth.
Where on earth should you begin?
1. Preferences Make All the Difference
Joe Alexander, a 20-year industry veteran and founder of Nest Bedding, tells us that you should start with your preferences when buying online:
"Are you a side or back sleeper? Do you prefer the feel of foam or traditional coil bed? Do you like firm or soft? Do you have allergies? Let your preferences and needs factor into your purchasing decision," he says.
For example, if you're heavier and sleep on your side, you'll go through a bed's comfort material much more quickly than someone who is lighter. That's the sort of thing a reputable retailer should be explaining to you."
2. Customer Reviews Speak Volumes
Next—and something we can definitely support—make sure to leverage the power of the internet by searching for online customer feedback. After all, bad experiences spread like wildfire. So, even if a company makes great mattresses, if they fall behind on support (for example), their customers will soon start voicing their grievances.
Joe from Nest Bedding specifically recommends reading Yelp reviews for the company you're thinking about purchasing from, and seeing if their marketing promises match reality.
Speaking of which…
3. Research, Contact Support and Ask the Right Questions
We talked earlier about how the lack of a salesperson might seem like a drawback when shopping online for a mattress. But you can regain many of the benefits simply by picking up the phone and giving the company a call. When speaking with a representative, are they friendly? Do they seem knowledgeable? Are they willing to guide you through the selection process?
This simple step can go a long way toward helping you learn what you might expect should you encounter any problems with their mattresses after becoming a customer.
During your research, Angela Carey, Executive Marketing Assistant for CozyPure mattress, also recommends weighing important factors like how long a company has been in business, as well as how much experience they have in the industry.
Additionally, Angela advocates asking support staff about the components used in their mattress design, as well as if the comfort can be changed (you might already know this information using the chart above).
Based on our research, other important questions to ask include:
- What kind of motion separation do their mattresses provide?
- Do their mattresses sleep cool or hot?
- Do they provide adequate edge support?
4. It's Not Always About Price
Despite the fact that lower cost is one of the most appealing aspects of buying a mattress online, the reality is that it's not always about price—especially when comparing different online-only brands. What do we mean?
Sure, paying more for your mattress will likely provide you with "better" materials, whether this references quality (Talalay latex vs. manmade latex, for example), lack of chemicals (such as organic, natural bedding, instead of options laced with VOCs—we'll talk about this shortly), as but a couple of examples. However, higher price and better materials don't necessarily translate into a better night's sleep.
"Higher price and better materials doesn't necessarily translate into a better night's sleep."
In fact, an in-depth 2014 New York Times article found that a $540 mattress performed on par with a $5,000 one!
At this point, you should have a solid grasp on whether or not you're going to purchase a mattress online, which company might best match your preferences, and how to make sure your needs are met. Now, let's really drive it home and help you figure out which mattress materials might best suit you.
What's the Difference Between Cushioning Materials?
When it comes down to it, there are really only three types of construction you'll find within the online-only mattress industry: memory and support foam (whether polyurethane or latex), spring (whether inner-spring (individually wrapped coils) or otherwise), or gel columns. Let's talk about each of these in detail.
Memory Foam
Memory foam has been around for years and is generally made from polyurethane, a type of plastic polymer.
One of the reasons that memory foam is so popular in bedding (it's the most common foam bedding material you'll encounter) is that it softens when exposed to body heat, molds to your unique shape, and provides a fairly even balance between support and comfort. Then, once you get up, memory foam slowly returns to its normal position.
The problem is that this slow response can make some sleepers feel trapped in their memory foam beds, while bounce is essentially non-existent. Its higher density also means that memory foam has a reputation for trapping heat and making for a sweaty night's sleep.
To address this, most modern memory foam is combined with a type of gel that manufacturers say will help you sleep cooler. Whether or not you'll experience this remains to be seen, though, since you'll find mixed customer reviews from a coolness standpoint.
Finally, since memory foam is plastic-based, these types of mattresses often come with a significant amount of off-gassing, which occurs when the volatile organic compounds (VOCs) are released, for up to a few days after unboxing.
Latex (or Rubber) Foam
Compared to polyurethane foam, latex foam is often considered a "green" option, as it's often made from natural, tree-derived latex rubber that doesn't release VOCs.
From a performance perspective, latex foam tends to provide more support than memory foam, respond more quickly (replacing some of the bounce that memory foam lacks), deliver better durability, and generally maintain a cooler sleeping temperature.
On the flip side though, latex foam doesn't have a reputation for providing as much pressure relief as memory foam. It also tends to be much heavier.
However, according to Sam Prochazka, co-founder of Novosbed, he notes that when it comes to mattresses, heavier is better. He tells us, "Mattresses with lower weights use less material and lower density foams, which will form impressions and not last as long."
What about latex's reputation for resisting dust mites? Joe from Nest tells us that, "One of the most pervasive myths all over the internet is that latex is dust mite-proof. Latex is more breathable than regular foam, so it can be somewhat mold resistant. But when you expose your bed to dead skin cells and moisture, as we all do, you're going to have dust mites and mold."
Inner-Spring Mattresses
While traditional inner-spring mattresses remain the most popular retail option, you'll often find hybrids that combine inner springs topped with memory foam when shopping online.
On the upside, these types of mattresses are often effective at providing cushion and support, while isolating motion fairly well. However, depending on the type of foam they use, hybrid inner-spring mattresses might have a tendency to retain heat and may not feature the same level of durability as an all-foam mattress.
Pro tip: According to the NY Times article referenced above, when shopping for a mattress, it's important to understand that "more coils doesn't necessarily matter" from a comfort perspective. They recommend avoiding any company or salesperson who attempts to convince you otherwise.
Gel Columns
Based on much of the professional and customer feedback we've read while researching mattress, it seems like "gel column" options from companies like IntelliBED and Purple offer the best of all worlds. This includes middle-of-the-road firmness, the ability to maintain coolness, great bounce, minimal motion transfer, equal comfort over different weights, no pressure, and great support.
While priced higher than some of the online-only competition, these gel column mattresses are still affordable by most retail standards.
Really, we think the only meaningful drawbacks related to gel column mattresses are that 1) only a couple companies manufacture them, and 2) they can be quite heavy (some tip the scales at 140 pounds!).
A Quick Word About VOCs
While we've talked about VOCs a few different times already, according to Robert Udowitz, a representative from CertiPUR-US, most polyurethane foam inside US mattresses meets their standards for "content, emissions, and durability." What's this mean for you?
If you're concerned about being exposed to harmful chemicals in your new mattress foam, the CertiPUR-US seal means that they're manufactured without ozone depleters, heavy metals (such as mercury and lead), formaldehyde, PBDEs, TDCPP or TCEP ("Tris") flame-retardants, and phthalates. You'll also find these mattresses have low (less than 0.5 parts per million) VOC levels.
In other words, just because you're in the market for a memory foam mattress, doesn't mean you'll have to deal with potentially dangerous VOCs and off-gassing. If you don't find anything on a company's website about CertiPUR certification, be sure to pick up the phone and speak with a representative.
Additional Tips for Buying a Bed-In-A-Box Mattress
Since you're almost certainly more familiar with purchasing a mattress in-store, before wrapping up, let's cover a few more unique aspects of online mattress buying that you might not have considered:
1. The Market Is Saturated With New Companies
Many of the online mattress companies are very new, with more seemingly entering the field every week. In turn, the market is quickly becoming crowded.
As such, it stands to reason that some (even many) won't be viable for the long-term—and if you purchase a mattress from a company that goes belly-up, or who's absorbed by a more established brand, you might say goodbye to your valuable warranty.
Joe from Nest drives this point home, telling us, "A lot of the bed-in-a-box companies are new to the business. They are learning as they go and experimenting on the public."
To mitigate any potential concerns from this perspective, you might want to focus on how long the company's been in operation right out of the gate.
2. Do You Have an Old Mattress? What Happens If You Process a Return?
While you certainly pay for the convenience one way or another, a big benefit of having your mattress arrive via a traditional delivery service is that they'll often haul your existing mattress away. Instead, if you purchase online, you'll be responsible for properly disposing of your existing mattress.
If you don't do this yourself, you'll likely have to pay someone else to do it for you. And even if you take your old mattress to the dump yourself, you still might have to pay a small fee. Either way, be sure to factor these expenses into your budget.
Similarly, if you decide to process a return during a company's trial, remember that you might have to sleep on the couch for a couple weeks until your new choice arrives.
3. Are You Concerned About Your Carbon Footprint?
Speaking of trials, Sam from Novosbed makes a great point when recommending:
"Don't buy to try. Sleep trials are great, but mattresses aren't like shoes: they are heavy, hard to ship, contain large amounts of material, and have non-trivial carbon footprints. Do your research and make sure you buy the mattress with the highest possibility of suiting you best. If you're unsure, then buy a mattress that can be fine-tuned after purchase."
"Mattresses aren't like shoes: they are heavy, hard to ship, contain large amounts of material, and have non-trivial carbon footprints."
4. Are There Any Must-Have Features?
We already discussed the role of personal preference plays when choosing the "perfect" mattress, and must-have features certainly fall under this as well. However, Sam also recommends that shoppers look for mattresses with washable top covers.
Why? According to him, "Mattresses get dirty and it's nice to be able to wash the cover without needing to heave the mattress around."
Where does all of this leave you?
Final Thoughts
In the end, online-only companies have largely diminished (and even eliminated) many of the drawbacks associated with traditional mattress shopping. Like what? Dealing with pushy salespeople, haggling over price, not understanding what you're getting, and spending all day driving between stores, to name just a few examples.
Shopping for a mattress online doesn't come without its drawbacks, though. We've tackled many of the most important topics here, so you now have the information you need to find the best option to suit your personal preferences, as well as your budget.
» For Further Reading: Does Your Bed-In-A-Box Mattress Need a Box Spring?


text:
A Framework for the Difficult Decisions
A Framework for the Difficult Decisions
Adapted by Patricia O'Malley, MD from "The Serious Illness Conversation Guide" (the Serious Illness Care Program at Ariadne Labs)
Over the course of your child's illness progression, you will consider some very difficult questions regarding your goals of care for your child, especially if his/her condition worsens or medical crises occur.
Optimally, your child has a medical team who will engage you in an ongoing conversation and lead you through these questions over time. Through this continuing conversation, you and your child's team can identify what your hopes and plans are for your child's care, which will help the team deliver the care experience you hope for your child. These may be helpful questions to consider with your child's medical team, before you make any choices about medical interventions.


text:
If you can squeeze in a little time on the weekend, do this: head to the market and pick up fresh, seasonal fruits, veggies and greens. Wash them and store them so that they are ready to use. Then make a few basics- these will vary depending on your preferences. For us, I like to make: a vinaigrette, a pot of beans, a pot of grains, hummus, baked tofu, and almond milk. Maybe a baked good or snack too, if I'm feeling ambitious. Having these things on hand and ready to go makes eating healthy really easy. Here's our basics for this week.
1/2 cup ACV
1/4 cup olive oil
1/4 cup minced shallot
1 tablespoon Dijon mustard
1 tablespoon whole grain mustard
2 tablespoons honey, agave or maple syrup
1 teaspoon minced fresh thyme
salt and pepper
whisk all ingredients together and store in a mason jar in the fridge.
pot of beans: chickpeas this week, a double batch (one for hummus and one for eating whole). 3 cups chickpeas soaked overnight, drained, and cooked until tender with salt.
pot of grains: barley this week, 2 cups of the pearled variety, simmered in a pot of boiling, salted water (like pasta) for 40 minutes or until tender. good for grain salad, morning porridge, as a side, in soup.
hummus: beet hummus this week. I toasted some pine nuts, too, to serve on top. a great healthy snack and delicious dolloped on a salad.
baked tofu: super simple, just slice a block or two of super firm up and bake plain or rubbed with olive oil at 400 degrees for 20-30 minutes on parchment/silicone mat. Menawhile, mix up 2 tablespoons of tamari with a teaspoon of maple syrup and a large minced garlic clove. Remove from oven and drizzle with the tamari mixture while still hot. Let cool and pack in a glass container to store, making sure to pour in any tamari left in the pan.
almond milk: I'm not sure if anyone even needs a recipe, but it's 1 cup of almonds soaked overnight. Drain in the morning and add to a high speed blender with 1 medjool date, pinch of salt, and 4 cups of water. You can add vanilla too if you like. Blend on high until smooth and pour through a straining bag- I simply use my organic cotton produce bags to strain and it works great. You can use cashews, too, without soaking or straining since they are a softer nut. Same with hemp seeds.
chocolate bark: what's life without chocolate? Having this satisfying crunchy little bite in the fridge is a life saver. Just melt 8 oz. of dark (70% +) chocolate in a bowl set over a small pot of boiling water. Turn off the heat and mix in whatever flavorings you like- chipotle, orange zest, vanilla, cinnamon, mint extract, almond extract- or keep it plain. Pour onto a baking sheet lined with parchment paper or a silicone mat and spread in an even layer as thinly or thickly as you like. Sprinkle over toasted nuts, seeds, or anything else you want- freeze dried fruit, goji berries, hemp seeds, pepitas, hazelnuts, flaky sea salt, chopped crystallized ginger, cacao nibs- and place int the fridge until set, about 20-30 minutes. Remove from fridge and break up into 1 oz or so pieces. I store it in a glass snaplock container in the fridge so it stays snappy.
wash/prep veggies: wash and cut up carrots for snacks. Wash, dry and store kale, lettuce, spinach, and chard. Wash, dry, and cut up cauliflower or broccoli or brussels. This way, everything is ready to use and eat.
Spending a bit of time prepping is a great investment in the week ahead. When you have things made in the fridge, it's so much easier to stay on track with healthy eating and stress less when things (inevitably) get crazy during the week. Even if you only have time to wash your greens and make a batch of dressing, it's worth it! Hope you enjoy and be sure to tag me in your meal prep on Instagram @mamaeatsplants !


text:
Dr Paul Wright: Usain, JA athletes will be ready for Beijing
Jamaican sport fans had a good last weekend in June. Our track and field representatives showed at the National Trials that the impressive form (and times) of our fiercest rivals, the USA, need not be a reason to panic.
I truly believe that all is well with our athletics programme and that we have no need to worry about playing second fiddle to the Americans at the World Championships in China later this year.
Shelly (Shelly-Ann Fraser-Pryce) and new sensation, 'birthday girl' Elaine (Thompson) will ensure that the National Anthem and flag feature in the sprints in Beijing.
Gold in the 100m, 200m and 4x100m relays are racing certainties (or 'cook-food-specials') in Beijing, and I also predict medals in the 400m and 4x400m relays for women.
In the men's sprint events, the world's fastest human (ever) has enough time to get his act together before the Championships, and although medical marvel (anomaly?) Justin Gatlin continues to record impressive performances, I am assuring fans: "Don't worry, be happy," Bolt will be ready for him.
The ability of coach Stephen Francis to identify sprinting talent in 'also-rans' at our annual Boys and Girls' Champs must surely qualify him for a permanent place in the lexicon of outstanding athletic coaching achievements.
The improvement of new sensation Elaine Thompson from 11.4 to sub-11 in four years replicates what he did with Asafa Powell some years ago. That he continues to ply his trade in Jamaica says a lot for his nationalism.
It is high time that a national recognition of his obvious genius is allowed to flourish a la Government and Jamaica Athletics Administrative Association support.
Praise of coach Francis must, however, be tempered with the reminder of Powell's inability to run his races through to the finish, until his separation from coach Francis after a drugs ban, to now seeing him run straight past the finish line, seemingly fearless of opponents.
I do believe that after the World Championships in Beijing, the answer to the question: "Should Asafa have left MVP earlier in his career?" will be answered ... finally.
allegations of drug use
The allegations of drug use by athletes, who either confess to drug use or finger coaches and fellow athletes who use drugs, seem to be the main way that drug cheats are 'outed'.
The confessions of a doctor and fellow athletes re the supposed drug use of the winner of the 100-metre race at the Moscow Olympics by an athlete who now seems to be an icon in the fight against doping, the 'confessions' of athletes coached (one time) by Alberto Salazar (who has denied the allegations and maintained his innocence), and the naming (and shaming) of a doctor who is implicated in the ability of athletes to cheat and escape detection when tested, by American sprinter Lauryn Williams, has definitely put a damper on the remarkable achievements of some athletes.
We are only now beginning to understand the importance of Tyson Gay's statement to USADA (United States Anti Doping Agency). Gay's reduced ban for testing positive (more than once) for the same drug was not accepted by Jamaican sports fans. But his revelations seem to have resulted in bans for coaches and a new understanding of micro dosing anabolic steroids, the use of insulin derivatives and thyroid medications by drug cheats.
WADA has publicly stated that the way to catch these cheats is to arrange testing of these athletes between the hours of 11 p.m. and 5 a.m. Therefore, (some would say, "elementary") anti-doping commissions who insist on testing athletes out of competition ONLY when they announce their availability, as required by the WADA Code that necessitates them giving a one-hour time slot every day for testing, seems to be completely uninterested in catching cheats, despite 'intelligence' from fellow athletes.
Every Jamaican sports fan must now hope that the 'new' JADCO board understands this truism and is taking steps to institute unannounced out-of-competition testing.
Testing positive during competition when the date and times of the test is known weeks in advance does not reflect the success of a testing programme. It confirms the carelessness or IQ deficiency of the cheat caught.


text:
3.5 out of 5 Stars
Exposure to the currency hedging modelling done by the team, steep learning curveDowners
No opportunity to apply for a full-time position post the internship programAdvice to Potential Interns
Network with the people to get the opportunity to apply for a positionWould You Recommend
Intern Reviews and Advice, Sample Interview Questions, and more.
Submit a Review and Get 7 FREE DAYS of Vault Gold
Vault partners with thousands of colleges, universities and academic institutions to provide students with FREE access to our premium content. To determine if your school is a partner, please enter your school email address below.


text:
When the rules on pensions were overhauled in 2015, the government scrapped the compulsion for people to buy an annuity, which provided an income for life, and allowed everybody to make withdrawals directly from their pension funds from the age of 55.
Accessing your pension in this way is known as pension drawdown, and while it offers enormous flexibility, it also presents those in their fifties with one of the biggest financial decisions of their lives - with a myriad of different options to choose from.
Deciding if, when and how we access our pension pot, and what we do with the proceeds, is a complicated process, so professional advice is recommended.
How pension drawdown works
With pension drawdown, you leave your money invested in a pension fund, which usually means leaving it invested in the stock market.
It is possible to access up to 25% of your pension fund free of income tax, with the remainder of any withdrawals subject to income tax at your marginal rate.
You can withdraw money at regular intervals, in a similar way to a salary, or withdraw occasional lump sums. You might also choose to withdraw a large amount to pay off your mortgage, or to buy an annuity and enjoy the regular payments it provides.
Alternatively, you might decide not to touch the money at all, preferring to live off other savings such as Individual Savings Accounts (ISAs). This leaves as much money in your pension pot as possible, an attractive option when considering how to pass on your wealth as inheritance tax does not apply to the majority of pensions.
What are the advantages of income drawdown?
The main advantage of pension drawdown is flexibility. You can access your pension funds as and when you wish.
Drawdown can be an excellent way to boost income in retirement, or to allow you to vary your income to meet different requirements at different stages of your retirement.
It allows you to keep your money invested in the stock market, which means it can still benefit from investment growth, allowing you to sustain your chosen level of income for longer.
This means it may grow to provide a larger sum and in doing so, enable you to withdraw a larger income in due course, or simply make your chosen level of income last longer.
What are the disadvantages?
Just as remaining invested in the stock market provides you with the possibility of more growth, investments can fall in value as well as rise. You may see the value of your investments fall and therefore your money may not last as long as you would like it to, or you may have to take a smaller income if your investments do not perform well enough.
Many people also underestimate how long they will live. If this happens, even with a conservative approach to your spending, you could run out of money too soon. It is important to get professional advice about how the level of your income will affect the size of your pension using various different assumptions about investment growth.
You can then devise a strategy for calculating the right level of income for your circumstances, ensuring that you have enough to pay essential fixed costs such as food and bills for your lifetime, plus any luxuries or holidays.
Things to consider
According to a survey by the Financial Conduct Authority, a third of savers take no financial advice on how to invest pensions cash held in a drawdown plan, and one in three have no idea how their money has been invested .[1]
You should be asking yourself how comfortable you are with the potential for your money to go down, whether your investment growth is on target, and whether the charges you are paying are competitive.
Not all pension schemes offer pension drawdown. You need to contact your provider to see if drawdown is a possibility. Finally, if you do choose pension drawdown, you need to review your chosen investments regularly to ensure they stay in line with your requirements both now and throughout your retirement.
If want to make sure you are on track for the retirement you aspire to, contact us here.
[1] https://www.fca.org.uk/news/press-releases/fca-proposes-rules-investment-pathways-and-other-measures-improve-retirement-outcomes-consumers
The value of investments can fall and you may get back less than you invested.
Past performance is not a guide to future performance.
No investment is suitable in all cases and if you have any doubts as to an investment's suitability then you should contact us.
The information contained in this article is believed to be reliable and accurate, but without further investigation cannot be warranted as to accuracy or completeness.
Please note that this article was prepared as a general guide only and does not constitute tax or legal advice. While we believe it to be correct at the time of writing, Brewin Dolphin is not a tax adviser and tax law is subject to frequent change. Tax treatment depends on your individual circumstances; therefore you should not rely on this information without seeking professional advice from a qualified tax adviser.


text:
Move Me Brightly – New Speedway Boogie – Bob Weir
Bob Weir "Weir Here" Fan Favorites
Show airing tonight of viewers favorite moments during this years "Weir Here". More to come folks. – R
San Francisco and Bay Area Recording Engineer
<a href="San Francisco Audio Engineer, mixing and mastering" title="San Francisco and Bay Area Recording Engineer">San Francisco and Bay Area Recording Engineer
Professional Audio Engineering, Mixing and Mastering. Rates you can afford at the professional level. Years in the field producing, engineering grammy nominated albums.
"I'm always looking for ways to help market my audio engineering, mixing and mastering services. Thumbtack is a good way for me to help me show off my expertise. Check out my listing to learn even more about what I do!" with the word "Thumbtack" linked to your Thumbtack profile.


text:
Ghost Witch Enamel Pin
Our Ghost Witch enamel pin brings the cute this Halloween, featuring the most adorable lil' witchy ghost you ever did see! It's got glittery white enamel and one of our favorite ever phrases, all wrapped up in a boo-tastic little package. Pin it to your fav accessory and haunt to your heart's content!
- Made by Sourpuss
- Measures approx. 1.75" x 1"
- Metal & Enamel Construction
- Rubber clutch backing


text:
上回談到我應邀為創科香港基金會的「X-Plan」項目擔任導師,每家公司須進行「電梯行銷」(elevator pitch),即在短時間內推介自己,吸引潛在客戶的注意。今次讓他們講述面對的困難,尋求導師建議。 繼續閱讀
初創專才人脈擴展關鍵 – 信報財經新聞, StartUpBeat
HK should not be left behind in competition for AI talent – ejinsight
Openness is the best strategy to attract global talents – Telecom Review Asia Pacific
Social diversity can enhance Hong Kong's innovative capability – Harbour Times
Acquiring innovation and technology talents from overseas has proven to be a shortcut to improve the economic development of a city and even a country. According to a study from the World Intellectual Property Organization (WIPO), immigrant inventors owned twice as many patents as that of the native Americans in the United States from 1990 to 2010. That's the reason the Hong Kong government is rolling out a fast track immigration scheme to attract more technology professionals. 繼續閱讀
Addressing the AI talent shortage – ejinsight
Lessons SAR could learn in bid to attract more talent – China Daily
We recently learned that President Xi Jinping had instructed relevant State agencies to help make Hong Kong a global innovation hub. Just earlier this month, the Hong Kong Immigration Department launched a three-year Technology Talent Admission Scheme. The new scheme simplifies application procedures and cuts processing time from four weeks to two weeks. A company can be granted a maximum quota of 100 each year for talent coming from the world's most popular fields: biotechnology, artificial intelligence, cybersecurity, robotics, big data, financial technology and materials science. 繼續閱讀


text:
Greenlife Soil Company
The Green Life Soil Co manufactures and supplies a range of nutritionally complete soils and soil improvers designed for longevity and to help your garden bloom in Perth's challenging conditions.
We have Perth's best range of organic vegetable seedlings, heritage seeds and everything you need to for a naturally healthy garden.
Contact Us
- Come Visit us at Site 248.


text:
Earlier this month, President Donald Trump signed into law H.R.1.
An Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution on the budget for the fiscal year 2018, or more commonly known as the tax reform bill. Touted as the biggest tax reform seen in the past 30 years, this Act affects every class of taxpayers and businesses, and most notably, real estate investors.
Read the full H.R. 1 Tax Reform Act on Congress.gov.
Here are three of the many benefits real estate investors can utilize, in general, starting in 2018. As always, consult with your tax professional to see how your individual tax bill may be affected. And, if you would like to optimize your business structure to get the most benefit out of this reform, we've listed three ways you can do that at the bottom of this article.
Lower Individual and Corporate Income Tax Rates
The maximum marginal income tax rate will be lowered to 37% from 39.6% for individuals and long-term capital gains for individuals remains steady at 20%.
The corporate tax rate will be lowered to 21% from 35%. Combined with the 20% maximum tax rate on qualified dividends paid to an individual shareholder from a C corporation, the income tax rate for a C corporation's distributions will be 36.8%.
Deduction for Pass-Through Entities' Qualified Business Income
Individuals with qualified business income from a pass-through entity will receive up to a 20% additional deduction on that income. Combined with the lower individual income tax, in theory this could mean a maximum marginal tax rate of 29.6% if you're eligible for the full deduction. Limitations apply so be sure to confirm that your situation is eligible.
Increased and Expanded Depreciation Deductions
In what's been called a major victory for landlords, residential rental property owners can now deduct the cost of personal property, such as appliances and furniture, used in rental units. Additionally, receive up to 100% bonus depreciation, phased down yearly until 2026, on both new and used business-use personal property.
Next Steps
A thorough review of your entity structure by a professional team experienced with real estate investing is absolutely critical to ensure you receive the most positive impact from the passage of the tax reform bill. Restructuring early in the new year could improve your tax situation and now is the perfect time to figure out how.
There are three ways Anderson Business Advisors can help you decipher the (tax) code:
- Attend an Anderson Workshop
Potential and existing clients can register for and attend an upcoming workshop in Las Vegas to get information on the tax-advantageous opportunities of properly structuring your business entity(ies) for optimal asset protection and tax benefits.
Attend, the Tax & Wise Workshop. It's the ideal course for anyone paying taxes. We have a very special edition if you attend our February or May class. Attend in person or livestream. Limited seats available.
- Schedule a Strategy Session
Don't want to wait or can't attend? Schedule a FREE Strategy Session with an experienced Senior Advisor to go over your existing structure and identify the best possible solution for your situation.
- Platinum Members
Anderson clients who are Platinum Members should request their complimentary annual review of their entity structure with a Senior Advisor. Contact your Client Services Representative to schedule.
Taxes can be a confusing topic. What are your biggest questions or concerns about the Tax Reform Act? Leave us a comment below. As always, reach out to us if you have any questions about asset protection, tax planning, and your estate planning needs. We look forward to continuing to help you Preserve, Protect, and Prosper in 2018 and beyond.


text: Bring back totally awesome memories by celebrating the music, trends and events of the 1980's. Peg your stonewashed jeans, tease your hair, and grab your friends…This is your chance to relive the 1980's! Outrageous Live Cover Bands, Look-A-Like Contest, a huge display of 80's Memorabilia and Video Games, Breakdancing Show and much more. Friday hours are 6 p.m. – Midnight and Saturday is 4 p.m.- Midnight. Tickets are $10 each and will be available on the website. Saturday is 21 and over only. There is free parking. Be safe! There will be shuttles running between the festival and hotels in Frankenmuth. Don't worry about the weather, it's held indoor! Proceeds go to cancer-related causes.


text:
Houston: Getaway for Two
Valid: April 10, 2019 - April 10, 2020
Promotional Code: Z88
5060 West Alabama Street | Houston, TX 77056
Escape to The Westin Galleria Houston with the one you love, and enjoy two cocktails at the Lobby Bar, plus complimentary valet parking during your stay. From April 10, 2019 to April 10, 2020, stay at The Westin® Galleria Houston for a romantic retreat. • Unwind together with two cocktails at the Lobby Bar, per day • Enjoy complimentary valet parking during your stay Modern and inviting, the Lobby Bar offers enticing sips and light bites. Linger over drinks before heading out to explore Houston's Uptown District. Or take advantage of the hotel's direct connection to The Galleria to do a little shopping. The hotel also offers contemporary accommodations, an outdoor pool and a 24-hour fitness center. Book this deal today, and indulge someone special! For Reservations: Be sure that Promotional Code Z88 appears in the Corporate/Promotional code box when making your online reservation, or call 1-800-228-9290 in the US and ask for promotional code Z88. Terms and Conditions: Valid seven days a week through April 10, 2020. Limited number of rooms are available for this promotion. Tax is additional. Offer does not apply to groups of 10 or more rooms. Offer cannot be combined with any other promotions. Blackout dates may apply. Advance reservations required. Other restrictions apply. Rates are per room, per night and based on availability at the time of reservations.