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Hometown: Lakewood
Latest Book: "24 Ways To Serve Through Your Day"
Publisher: Nenn Pen, Ink
Release Date: March 24, 2017
Available: Online through Amazon and Barnes & Noble
What's your new book about?
Do you want to serve but can't find the time? Maybe you're unsure what you have to offer. When you think about serving, what comes to mind? Saturdays at the soup kitchen? Mission trips to Mozambique? These are great ministries, but they might not be for you. Maybe it's time to rethink your definition of serving. Try this: Serve those around you every day. We all encounter ways to serve others in our day-to-day lives, but we often overlook them. '24 Ways To Serve Through Your Day' helps you recognize these opportunities and develop a habit of serving. You will discover you don't have to schedule, scramble or be a superstar to serve. Simply seize the serving opportunities right in front of you. As you do, you'll develop the heart of a servant and start living a Galatians 5:13 life – "Serve one another humbly in love."
Where did the idea come from?
'24 Ways To Serve Through Your Day' is one installment of a four-part series designed to help readers live out the Greatest Commandment: "Love the Lord your God with all your heart and with all your soul and with all your mind and with all your strength." Mark 12:30 This book offers practical, daily steps to develop a loving, humble heart of serving – a heart dedicated to God's purposes.
What genre is your book, and why were you drawn to it?
Christian living. As a Christian writer, my passion is to pass along what God teaches me, to encourage others in their spiritual walk. I pray this series helps readers grow in their love for the Lord.
Who is the intended audience?
This book was created to serve readers by helping them serve others. It is for those who struggle with how, when and where to serve. This guide makes the process simple.
It's designed as a tool for those who want to develop a servant attitude and love God with all their heart.
Why is this story important to you?
Too often, we miss opportunities to serve others. In our society, it's easy to become overly individualistic and miss out on a richer life of serving one another in love. I believe serving is an essential part of the Christian life, and an integral part of following the Greatest Commandment.
How long did it take you to write? What was your process?
I wrote this installment of the series over a matter of months. I set a goal of March 2017 for release and asked several friends to hold me accountable to this goal. When I started, I put out a call to readers of the first book, '24 Ways To Pray Through Your Day,' to contribute ideas for this edition. Anyone whose ideas I used would get their name included in the book. I combined these ideas with my own to come up with a total of 24 ways. Once completed, I used a graphic designer to create the cover.
What did you enjoy most about writing this book? What was the hardest part?
The most enjoyable part was recalling all the ways God has blessed me through others. It's encouraging to see how even simple acts can transform another person's day, or even his or her life. The most difficult part of the process was final editing and formatting. Since I chose a self-publishing/indie route, I didn't have a team from a big publishing company to handle this for me. I had to manage all the details and get everything polished for publication myself.
How are you publishing this book and why (traditional/indie/self-publishing)?
I went through CreateSpace for indie publication. This is an affordable option that gets my book out there to the worldwide audience on Amazon.
What is your education/background?
I have a bachelor's degree in social work. However, I probably should have majored in English or journalism. After years of soul-searching and traveling various career paths, I now am living out my dream of working as a full-time writer. In addition to authoring books, I contribute to industry-leading websites, blogs, newsletters and magazines.
How/why did you decide to write a book?
My desire is to share what God teaches me, to equip others with the armor they need for the battles they face. I find it's a daily struggle to love the Lord with all your heart. I pray this provides an effective tool to help others fulfill the Greatest Commandment.
Who are your favorite authors?
Shel Silverstein, Stephen King and Dee Henderson
Pick one: Danielle Steel or John Grisham?
John Grisham
Pick one: Stephen King or Nicholas Sparks?
Stephen King
Pick one: Ebooks or hard/paperbacks?
Have you written anything else?
'24 Ways To Pray Through Your Day' (2016) and 'Random Thoughts' (2011)
What's next for you?
I plan to complete the '24 Ways' series with two additional titles. The next one will encourage readers to love the Lord with all their minds – by filling them with Scripture.
How can readers discover more about you and you work?
Website: www.nennpen.com Blog: www.nennpen.com/blog Facebook: www.facebook.com/24WaysToPray Twitter: @kerrynenn Amazon Author Page: https://www.amazon.com/Kerry- Nenn/e/B01EML62WC Goodreads: https://www.goodreads.com/author/show/14955581.Kerry_Nenn


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Transfer has moved. See below.
This service has been designed to facilitate communication of journal transfers. The service is made up of the following:
- The Journal Transfer Notification Database. This database allows librarians and other interested parties to search for details of journal transfers announced through the Enhanced Transfer Alerting Service and acts as an archive of transfer information supplied by publishers using the service. Searches can be by title, keyword, or ISSN.
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- The Journal Transfer Notification Form. This form is a simple way for publishers to communicate journal transfer information. Under the terms of the Code, endorsing publishers are requested to use the service whenever they receive a new journal. Log-in details are required to use the form, and these are supplied to any publisher that endorses the Transfer Code.
- The Transfer Notification RSS Feed. This feed stores information from publishers about previous journal transfers, and acts as an archive of transfer information supplied by publishers using the service.
The Transfer Alerting Service
Please note that the Transfer Alerting Service (TAS) has moved.
Beginning on September 10th 2018, the alerting service is now hosted by the ISSN International Centre. The core features and functions of the TAS will remain the same, however, the URL has changed from http://etas.jusp.jisc.ac.uk/ to https://journaltransfer.issn.org
An FAQ regarding this move is provided below.
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The new service will be going live on September 10th, 2018. Publishers should log transfer notifications using the new service from this date.
What is the new URL?
The URL of the new service will be https://journaltransfer.issn.org.
Will both services be available simultaneously?
The old service will be kept live for one month. However, it will only be possible for publishers to log transfer notifications using the new service from September 10th, 2018 and the new service will be the definitive record of transitions from that point.
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A redirect has been put in place from the old service to https://journaltransfer.issn.org.
Will the same transfer details be held in the new service?
Yes, the new service will require the same details from publishers when a notification is logged and transmit the same details to alert recipients.
Will historical transfers be in the new service?
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The new service will offer the same ISSN, date range, and keyword searches as the current service. Enhanced search features have also been implemented.
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The RSS feed will be maintained at the a new URL https://journaltransfer.issn.org/rss. Note that the RSS feed cannot be redirected, so set-up will need to be revised to accommodate this change.

subset: commoncrawl


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- Home |
- Heroes? |
- What is a Hero? |
- Your Heroes |
- Activities |
- Teachers
Pope Francis
Created by
Corinna P
Buenos Aires, Argentina
Bueonos Arires - Place of birth
- Brave / Courageous
- A good and strong leader
- Clever
- Good or moral (strong beliefs or principles)
- Decisive
- Single minded / Focused (has a purpose)
- Inspiring / Charismatic
- Determined
- Ambitious
- Wise
- Honest
- Just and fair minded
Quotations"Help one another. This is what Jesus told us. This is what I do. And I do it with my heart." - Pope Francis
Brings a message and changes the Church. He describes himself just as 'a normal people'.
Born in Argentina, Pope Francis is the first Latin American- and the first Jesuit - to lead the Roman Catholic Church.
Born to Italian immigrants parents on December 17, 1936 Jorge Mario Bergoglio grew up in a middle class section of Buenos Aires. He did some pretty, normal things as a teenager, like dancing the Tango. Before he got interest in priesthood, he studied to become a chemical technician. He was ordained as a Jesuit in 1969 and went on to study in Argentina and Germany. As a young man, he had a lung removed because of a serious infection, but his health is currently said to be good. In 1992 he became a bishop and in 1998 the Archbishop of Canterbury. At the 2005 conclave, he was seen as a contender for the papacy. However, Analysts didn't see Jorge Mario Bergoglio as a favorite for the job of succeeding Benedict XVI, and his advanced age, at 76. His election took many by surprise in his home city, where many had thought his age ruled him out. He is the first Jesuit, the first to take the name Francis, as well as the first non-European leader of the church in more than 1,200 years. He appeals to both Church conservatives and reformers, being seen as orthodox on sexual matters, for instance, but liberal on social justice.
Life in Pope Francis's world
Was Pope Francis a Hero?
- Helps and supports poor and sick people.
- With his words he brings hope and change.
- He describes himself just as "a normal peopleâ€.
- He is pushing for equality, human rights, social and enviromental justice and for peace all over the world.
- Tries to bring the church into the the 21st Century.
Things you might not know about Pope FrancisHe describes himself as a 'normal person', and also acts like that. He sleeps in his own two bedroom apartment, instead in the papal palace and he is using Ford Focus, instead of riding a limo. With his words, he has brought/brings hope and change. From the first day he was elected he tried to bring a new message, change the Church and bring it into the 21st Century. Before the election, he said the Church, in order to survive, must stop "living within herself, of herself, for herself." We can see, what positive changes this pope, who seems to be more in touch with the real world, can create. Pope Francis is pushing for a world that has more income equality, better human rights, social and environmental justice for all and for a world where forgiveness and peace are a reality. Although, he doesn't describe himself as a hero, for me, this man is a Hero.
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Shopping from United States? Please visit the correct site for your location.
10 Best Ever: 10 Best Bible Stories Ever!
by Michael Coleman (author) and Michael Tickner (illustrator)
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Ten bloodthirsty tales of biblical gore retold in Horrible style full of jokes and cartoons. Yup: it's the Bible that no one wants you to know about. The HORRIBLE Bible. Full of dreadful deeds to make your stomach lurch. Killer whales. Dire floods. Angry giants. Fierce battles. Bloody murder. Plus comic strips, crazy facts, jokes and even the odd ancient celebrity or two. After all, why bother with the boring Bible when you can read the Best Ever Bible? A funny new twist on the bestselling book of all time!
Product Details
Date published
January 5th, 2009
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What kids think
on 21 July 2018
this looks like a great book really want to read it5out of 5
on 6 January 2015
I Really want to read this book it sounds intresting i have never read it but i have read the real version in the actual \bible
on 6 October 2014
It is really good. But it is quite un appropriate. It is the best book I have read in year 6 so far. Im up to the end part forgot the last chapter though. I want to read the other books of this amazing author.
I suggest u read it . I love it!!!!5out of 5
on 6 March 2014
It was very funny and informative. It made me view the classic Bible characters such as Moses and Noah in a totally new way.
on 8 March 2013
This book is a fun way to learn about some of the main stories in the bible.4out of 5
on 7 March 2013
It is great and i love it. It is very good you must put this on you "must buy" list!5out of 5
on 22 February 2011
I am a Christian and it made the stories in the Bible more simple and explain it in more depth3out of 5


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Some foreign trade salesmen are keen to develop customers, but they cannot pay enough attention to follow-up tracking. Therefore, the development is very hard. And even in the late stage, because they track customers inactively, they always lose opportunities to take orders.
As the saying goes, a bird in the hand is worth two in the bush. So foreign trade clerks need to learn to manage sales opportunities, learn to allocate energy, and focus on those orders that are coming soon.
I often say that if the mail in the customer communication is likened to football, it is not difficult for a salesman to constantly kick the ball back to the customer. Just empty the inbox every day and don't let them pile up. The difficulty is to let the customers kick back the ball, especially when you are very busy, but customers have many balls. At this time, can you still ask them returning the ball?
Have passion to develop, but not attach much importance to tracking. I used to make such mistakes because I knew how to deal with it when it is at my feet, but it is easy to "forget" them when they are not.
Covey divides the task into four intervals with two dimensions, urgent and important. We often pay enough attention to urgent matters, even if it may not be so important. For customers, why don't we? Often spend time emptying the inbox although some mails are not of importance. But some of the most important things are sent to customers, and if they do not reply, we are easy to "forget" them.
Pyramid-type foreign trade sales opportunities
According to customers in different stages, we can divide the customer into: Potential customers (cold prospect), inquiry customers, opportunity customers, PI customers, and transaction customers.
We use an excel table to manage these opportunities. Salesmen were very uncomfortable at first and thought it istroublesome. Later, I explained to them that these are the target customers who can't escape once they enter your sight. This is often a gold tower structure. Think about how many potential customers you need to develop an inquiry customer. Then how many inquiries have told you: "I want to place an order"? Then, how many orders you finally can successfully get from these customers and from the PI, even if you sign with PI, is it 100% paid and got execution?
So I told the salesman that the higher the value of the customer at the top of the pyramid, the higher the probability of success, so our work must be done from the top down. First look at the maintenance of the order customer and the old customer, then sign with the customers who have not paid for the PI, then the customers who have recently ordered, the customers who have recently queried, and finally the new customers.
From the salesman's excel form management and the structure of the gold tower, I can find many problems.
For example, some people have a lot of cold prospects and a lot of enquiries but little PI, which means that the salesman has invested a lot in development, but there seems to be some shortcomings in the follow-up.
On the contrary, some people have a lot of PI and opportunities, but have rare inquiry customers, showing an inverted triangle shape. At this time, the salesman should be alert, and must increase the development efforts. Otherwise, the opportunity on the gold tower will be converted. The old one is finished, and the stamina is not enough. At this time, the salesman needs to increase the intensity of development and maintain the stamina.
From the slope of this gold tower, the conversion rate of the salesman can also be quickly analyzed.
For example, some salespersons have a very good inquiry conversion rate, but it is relatively low when the opportunity phase is converted to PI. It may indicate that the salesman's early development work is doing well, the ability to negotiate is insufficient, or the ability to deal with in a competitive environment needs to be strengthened, and targeted guidance can be provided.
Even for customers who have signed PI, the final payment ratios of different salesmen are different. Some salesmen may even reach 100%, while some salesmen may only have 50%. After analysis, it is found that these salesmen have some bad problems of over-promotion, or are not confident. After the customer signs the PI, they also sell to the customer, say something that should not be said, or say some negative hints, letting the customer lose confidence or trust.
Sales with a good turnover ratio are often those who are motivated, optimistic, and enthusiastic, always thinking about things in a good direction, even if their English level is average. This is very consistent with what I often say: the best deal technique is the "default deal", that is, you always think that the customer is ordering, so you are always a positive hint.


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The 32nd Annual Palm Beach International Boat Show will return March 23- 26, and is set to feature more than $1.2 billion worth of yachts and accessories, including hundreds of boats ranging from small inflatables and tenders to superyachts nearly 300 feet in length.
Notable is the addition of some of the industries most prestigious builders to the roster of exhibitors. Amels, Feadship, Heesen, Moonen and Palumbo will display at the Palm Beach show, looking to reach a particularly discerning clientele.
"Exhibitors are reaching a different and very sought-after buyer at the Palm Beach show," said Andrew Doole, senior vice president and COO of Show Management, the company that manages and produces the show. "Palm Beach attracts an affluent audience of boat and yacht owners who typically do not visit the shows in Fort Lauderdale or Miami Beach. Palm Beach is their show of choice."
To accommodate the number of superyachts larger than 200 feet at this year's event, a satellite location will be held at Rybovich marina. Private water tenders will transport interested buyers and charter clients to and from the additional show locale to the north.
A number of impressive vessels will be making their debut at this year's show. The new Ferretti Yachts 700, one of the sportiest ones ever in the brand's history, the new Horizon E98 "Do It Now" and Fairlines's Squadron 53', to name a few.
Boaters looking to take advantage of Palm Beach County's beautiful waterways may come to the show by boat and tie up to free Come-by-Boat docks, which will be located south of the in-water displays near Fern Street.
Visit PalmBeachBoastShow for tickets.


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[Update: Election Official Reponds – sort of ]
Today I went to vote in the primary election in Porterville, CA. My local precinct happens to be at a nearby church.
The voting takes place in a small social hall, not the sanctuary.
However, each time I have voted there, including today, there has been a floor-to-ceiling cross located there, dominating the view from every point in the room.
When I arrived, I politely asked to take a picture, with the dual intent of documenting the situation so I could file a complaint with the County election board, and also to illustrate a news story on this blog regarding the situation.
The volunteers there told me I could not take a picture, even if no voters were present, and even if no volunteers were in the picture.
I asked for clarification as to this rule's source and citation and none was forthcoming.
So I called the elections board myself, and eventually a volunteer inspector arrived and was surprised both at the size of the cross and at the refusal to allow me to take pictures.
The rules cited by the elections board in the "Election Officer Digest" did address photos with voters in them, as did a brief guide for poll observers: not without consent of the voters. I was told the Digest was available online, but on returning home I have not been able to locate it on the County Election Board web site.
But it was my intent to not have voters in the picture, or even in the polling place, as it was pretty slow, so I didn't think this applied, and neither did the inspector.
The observer guide did say that "media is allowed to film or interview voters if they consent".
If this rule applies, and hinges on if I can "film", I could have taken video instead of still pictures with my camera.
If it hinges on if I am "media", I have written probably 10,000 words for several websites, some that are mine, and some that are not, regarding the local election in the last week.
Nonetheless, the inspector was willing to make a report, and sympathetic on my dual First Amendment claims: First the Establishment clause regarding the presence of the cross, and then the refusal to allow photos or filming under the proscribed rules.
In addition, the poll workers, despite instructions from the Board of Elections, refused to allow me to see the copy of "Election Officer Digest" so I could review the rules for myself. They claimed "they are not lawyers and they don't want to make a mistake and get in trouble" as the reason why I was not allowed to see this (I believe) public document.
They also told me, counter to the very document on the table for observer rules, that I could not observe from closer than 100 feet, which was, of course outside the polling place where nothing could be seen at all.
Ultimately I was not able to get a photograph documenting the scene, I was not able to re-enter the polling place to observe, and the cross was neither moved nor covered up.
I patiently waited approximately 2 hours for all of this to develop.
more as the story unfolds…


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Letter to my Legislator
The following is a e-mail I sent to my State Rep. last week. I am still waiting a reply. Hopefully this week.
Rep. Alexander;
Thank you very much for your quick response. As these bills work their way through the legislative process, I would be willing for you to use my expertise in this area. I have been promoting the development of a hemp fiber and seed industry in the Boistfort Valley for over a dozen years.
Several farmers in the greater upper Chehalis River valleys have shown interest to the point of dedicating over 1500 acres to the development of the hemp industry. Weyerhaeuser's old pole yard at the confluence of the South Fork of the Chehalis River and Highway 6 would be a natural spot for the construction of processing facilities.
I have been marketing products derived from hemp since 1990. Someday it would be nice to sell a product once again grown in the United States. I was a founding member and served on the board of directors of the Hemp Industries Association in the mid-90s. I lobbied in Olympia in the late 90s, but the legislature was not ready to accept the notion we could grow hemp without creating a massive drug problem in the State. Believing the legislature has matured in this area, I will soon make another attempt at encouraging you and others to make the very best decisions for the farmers and voting citizens of our district.
In all honesty, I would like to see drug laws revised offering a legitimate method for the citizens of this State to pay a sin tax on Marijuana. This would allow for the regulation of recreational marijuana activities which are less harmful to society than cigarettes, or alcohol, as stated by the World Health Organization. The King County Bar Association has a plan to tax and regulate cannabis. Would you take a close and comprehensive look at the proposal the Bar Association has put forward?
Again, I want to thank you for your honest and quick response to my suggestion that you sponsor hemp legislation.
Ed Saukkooja
Hemplobby.org Director
P.O. Box 267
Pe Ell, WA. 98572
Ph. 360 291 3117


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I know a lot of my posts relate to women's issues but today I would like to acknowledge the issues that men are facing out there in the world today.
Here are some of the facts about being a man today:
• Men, on average, live for six years less than women do. They also have higher death rates! in every age category, 'from womb to tomb'.
• Men routinely fail at close relationships. (Just two indicators: over 40 percent of marriages break down, and divorces are initiated by the woman in four out of five cases.)
• Over 90 percent of acts of violence are carried out by men, and 70 percent of the victims are men.
• In school, around 90 percent of children with behaviour problems are boys, and over 85 percent of children with learning problems are also boys.
• Young men!(aged from fifteen to 25) have three times the death rate of young women, and these deaths are all from preventable causes – motor vehicle accidents being the greatest.
• Men make up 80 percent of the homeless.
• Men comprise over 90 percent of gaol populations.
• The leading cause of death among men between fifteen and 44 is self inflicted death.
Mental health, physical health and mortality – men win the prize in every category. Just being male is the biggest risk factor of all.
So what as women can we do to help our men in todays world? After all they are our husbands, sons, brothers and friends. Do we have it in our hearts to be able to help them or do we leave it to themselves to try and sort out this epidemic on their own?
What ever the case what the world needs now is strong men, more than ever. Not men who are in isolation, tormented and stuck. These statistics can be changed if we encouraged a culture of men who remain connected to their hearts. Whether men can create the solution to this problems only time will tell.
I believe as a woman we have the ability to help turn this problem around and find the lovers, husbands, mentors and leaders that we so desperately desire in our communities today and help transform our world. For me this is the next step in the feminist movement. Although not complete, women have made huge transformations over the past hundred years and I believe this is the next stage in our journey.


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Our horse treks range from 1.5 hours, to over-nighters, to seven days plus! All our horse treks offer stunning views over farmland and beach, including river crossings, caves and the option of a gallop along the white sand beaches for horse lovers. We are open for horse treks most days.
attractions and activities » adventure » horse riding and treks
…you to the Nelson Lakes District and onto a "real" hunting experience in New Zealand. Hunted animals include Chamois, Thar, Red and Sika Deer. Backpack in and spend nights under the stars, or helicopter in and use backcountry huts. Steve doesn't charge trophy fees and the meat is yours to do with…
attractions and activities » adventure » hunting and shooting
…is easily reached from both Nelson and Marlborough. From Nelson City, follow SH6 south and take the turn-off to the left sign-posted for Nelson Lakes after passing through Wakefield. This road reaches a T-junction with SH63 where you turn right to reach the village of St Arnaud and Lake Rotoiti.
attractions and activities » free visitor attractions
Imagine a secluded, pohutukawa-fringed, un-spoilt beach all to yourself, no car access. Surrounded by coastal forest. Waterfall walk. This is Orokawa Bay - just a 45 minute hill walk from the northern end of Waihi Beach.
attractions and activities » free visitor attractions
…across farmland, and discover a lighthouse and spectacular views of the rugged coastline. From the Wharariki car park, follow a vehicle track west to Green Hills Stream and beyond. Superb farmland, lakes, cliffs and wind-carved moorlands are features of this area. Mountain biking is allowed on this…
attractions and activities » free visitor attractions


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Saturday, April 26, 2014
Buffalo Killers - Heavy reverie
Produced by Jim Wirt
Tracks : 1.Poisonberry tide 2.Dig on in 3.The girl has grown 4.Cousin Todd 5.Sandbox 6.Who you are? 7.Grape peel 8.Louder than your lips 9.Shake 10.January
3,5 out of 5
Heavy reverie is the 5th album from Ohio rockers Buffalo killers, led by songwriting brothers Zachary and Andrew Gabbard.
Chris Robinson of The Black Crowes thinks they´re one of the best rocknroll bands in the world and Buffalo Killers also toured with The Black Crowes and The Black Keys.
Soundwise, they deliver a combo of 70´s grooverock and 90´s grunge. Both soulful and very melodic, this is how a collaboration between Lenny Kravitz and Dave Grohl could end up.
The new album is a grower for sure, I thought it was good the first time I listened to it but after a few spins the music gets stuck like superglue in my head.
Like the first single "Poisonberry tide" which is a fave but I also really love songs like "The girl has grown" and "Sandbox".
If it was 1969, Buffalo Killers would easily fit the Woodstock line up.
For fans of Rival Sons, My Dynamite, Candlebox
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- Proposition 200 is being handily defeated, 70%-30%,
- Proposition 400 is surprisingly close, but defeat edges out success almost 31676 against to 31054 for,
- Proposition 401 and 402 are both being solidly defeated, with "no" votes amounting to around 60% for both.
For those interested in the city council races, Fimbres is far ahead of McClusky, Uhlich has a 600-vote lead on Buehler-Garcia, making it too close to call, and Kozachick, with a 1200 vote lead over Trasoff, is the likely winner.
Amphi's override elections (Propositions 403 and 404) are close, but it looks like "No" is winning, meaning the district's overrides will not be renewed. The Vail bond issue (Proposition 408) looks likely to pass, but it looks like voters are canceling Vail's override (Proposition 409) as well. Sahuarita's override (Proposition 410) is being defeated by a 10% margin. Fiscal responsibility appears popular this year.
Word is turnout on the East Side is high: for the purposes of this race, a good thing.
The unorganized opposition to Prop. 400--who else is out there?--can't celebrate just yet, but there's more reason to be hopeful than I thought possible 24 hours ago. Early voting has the measure succeeding; polling shows the opposite. This isn't the pattern for Props 401 and 402. I can't take credit, but I wonder how many votes my eleventh-hour guest opinion was worth.


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February 2014
Many central heating systems are not well designed for people with sight loss, according to research from Thomas Pocklington Trust and consumer research charity Rica. The 2014 study tested seven central heating products among users with various sight impairments, giving each a score out of five for accessibility. The results form a definitive guide to selecting the right central heating controls, and potential problems that might arise.
Key Facts:
- Many of the products tested were not very useful for people with sight loss, even though some were designed with vision impairments in mind.
- The main problems found among the central heating systems tested were hard-to-read text, oddly placed markings, and buttons and switches that were difficult to use.
- Most of the products tested came with instructions featuring small text and diagrams, though some manufacturers will supply an accessible version upon request.
Choosing Central Heating Controls and Saving Energy – PDF version and Word version


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Psychologist Martin Seligman, 2004, suggests five exercises to make your life happier.
Gratitude can make your life happier and more satisfying. When we feel gratitude, we benefit from the pleasant memory of a positive event in our life. Also, when we express our gratitude to others, we strengthen our relationship with them.
Almost everyone enjoys receiving thanks for a job well done or a favour done for a friend, and most of us remember to say thank-you to others. But sometimes our thank-you is said so casually or quickly that it is nearly meaningless. Perhaps this is because our society does not encourage a deeper expression of thanks. People may learn to feel embarrassed if someone goes on and on about how grateful he or she is. But when no one says thank-you in a meaningful way, no one receives the very positive benefits of gratitude.
In this exercise, you will have the opportunity to experience what it is like to express your gratitude in a thoughtful, purposeful manner. Think of the people – parents, friends, teachers, coaches, team-mates, employers, and so on – who have been especially kind to you but whom you have never properly thanked. Choose someone you could meet for a face-to-face meeting in the next week. Your task is to write a gratitude letter to this individual and deliver it in person.
The letter should be concrete: be specific about what he or she did for you and how it affected your life. Let the person know what you are doing now, and mention how you often remember their efforts. Make it sing!
It is important that you arrange a face-to-face meeting so you can read the letter in the presence of the person whom you appreciate. Call the person in advance to schedule a time to get together this week. Try to be vague about the purpose of the meeting This exercise is much more fun when it is a surprise to the recipient!
Take your time reading your letter of gratitude. Notice the reactions of the other person and yourself. If the other person tries to interrupt you as you read, say you really want him or her to listen until you are done. After you have read the letter (every word), discuss the content of the letter and your feelings for each other.
We think too much about what goes wrong and not enough about what goes right in our lives. Of course, sometimes it makes sense for us to analyse bad events so we can learn from them and avoid them in the future. However, people tend to spend more time thinking about what is bad in life than is helpful. Worse, this tendency to focus on bad events sets us up for anxiety and depression.
One way to keep this from happening is to develop our ability to think about the good in life. Most of us are not nearly as good at analysing good events as we are at analysing bad events, so this skill needs practice. As you become better at focusing on the good in your life, you will likely become more grateful for what you have and more hopeful about the future.
Every night for one week, set aside 10 minutes before you go to bed. Use that time to write down three things that went really well on that day and why they went well. You may use a journal or your computer to write about the events, but it is important that you have a physical record of what you wrote. It is not enough to do this exercise in your head.
The three things you list can be relatively small in importance or relatively large. Next to each positive event in your list, answer the question, Why did this good thing happen?
Writing about "why" the positive events in your life happened may seem awkward at first, but please stick with it for one week. It will get easier.
Everybody has a handful of signature strengths that really define who they are. If you are like most people, you may not give much thought to what your particular strengths are. But doing so is worthwhile because research shows that the more people use their signature strengths at work and at play, the happier they will be.
The first step toward using your signature strengths more often is figuring out what they are. The exercise that follows will help you to do this. Your assignment is to think about a time when you were at your best. You don't need to come up with a grand or life-changing event. Perhaps what comes to mind is a small event that called forth the best in you. Write about this time when you were at your best. Make it in the form of a story with a clear beginning, middle, and end.
Now, using your computer, write your own story. Print out your story and post it somewhere you can see it during the week. If your computer does not have a printer, then quickly write out your story by hand. It is important that you have a physical copy to have with you during the week, and please feel free to rewrite it as the week goes on.
Your assignment during the week is to put this story in a place where you are likely to encounter it often. Make sure to revisit it once a day. Each time, ask yourself the following two questions:
What personal strength(s) did I display when I was at my best? (Did you show a lot of creativity? Did you show good judgment? Were you good with other people? Were you kind? Loyal? Loving? Brave? Passionate? Forgiving? Honest? You be the judge.)
In what other areas of my life might I use these strengths to my advantage?
Honesty. Loyalty. Perseverance. Creativity. Kindness. Wisdom. Courage. Fairness. These and about 16 other character strengths are valued in almost every culture in the world. People can get more satisfaction out of life if they learn to identify which of these character strengths they possess in abundance and then use them as much as possible, whether working, loving, or playing.
Identify your five highest strengths (your signature strengths).
During the next week try to use your signature strengths more often.
Identify your five highest strengths (your signature strengths).
Every day for the next seven days, use one of your top five strengths in a way that you have not done before. You might use your strength in a new setting or with a new person. It's your choice.


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Released: 20.08.18
Plymouth Marjon University student Alyssa Oates made a splash at this summer's World Underwater Hockey Championships as she helped Great Britain on their way to second place in the tournament.
Alyssa, who studies Physical Education for Secondary Education, travelled to Quebec and starred as Britain's centre forward as the side recovered from a shaky group stage start to march all the way to a final clash against New Zealand.
The final went right down to the wire, with New Zealand snatching the win in golden goal time to take the crown.
Alyssa told us: "It's a bit bitter-sweet with it being such a close final but I've still got a silver medal at the end of it and celebrating with the rest of the girls was obviously really good. The last time at the World Championships we came ninth, so we have to be really pleased to finish up second this time. Overall it was just a really great experience."
Alyssa, one of Marjon's elite Sport Scholars, was supported by the university as she made use of the campus' state-of-the-art sports facilities to help prepare for the World Championships.
The 20 year old told us: "The University really helped my preparation with a free membership to the gym here. Also, just before the tournament I broke some of my equipment and they gave me some extra funding so that helped massively!"
Alyssa won't be taking much of a break, as 2019's European Championships in Spain rolls in to focus for next year.
Alyssa told us: "We're all hoping to go one better at the European Championships and bring home those gold medals".
You can learn more about the Physical Education for Secondary Ed degree here.
You can find out more about our Elite Sport Scholars here.
Back to Marjon News


text: Traveled the whole Viti Levu Main Island in 5 days followed by another 5 amazing diving days at Mantaray Island with a fantastic travel group, organized by Awesome Adventures Fiji & Xtreme Gap Year, UK. We had a personal and private view into the Fijian culture and history. If you travel to Fiji, diving is a must. Beautiful underwater scenery and sea life and of course, the famous bull shark dive. Click on the Link to watch the Travel Video which shows the very best parts from this trip.


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It was mid-afternoon on a bright spring day in Orange County, California, where Leslie and I had recently moved. I had just printed out the nearly five hundred pages of the manuscript of this book and was in the midst of packing them into a box when Leslie poked her head into my office.
"What are you doing?" she asked.
I gestured toward the manuscript. "There's someone I want to send this to," I replied.
Leslie put down her cup of tea and walked over to put her arm around my shoulder. "Chuck Templeton, right?" she said. "I think about him from time to time. In fact, I've been praying for him."
That didn't surprise me. "Praying what?" I asked.
"That he'd still be healthy enough to reconsider his conclusions about God. That he'd be open to the explanations you've received from the experts. That he'd respond to that tug inside of him that seems to be pulling him toward Jesus."
I nodded. I had been praying too. "I talked to his wife on the phone a few minutes ago," I said. "She told me the Alzheimer's hasn't been very kind to Chuck and that now he has some other health problems. When I got a chance to talk to Chuck and ask him how his Alzheimer's was, he answered with just one word in a very despondent voice-he said, 'Devastating. "'
"Oh, I'm so sorry," Leslie said quietly.
"Me too," I sighed. "It's very sad." I put some more pages into the box. "She also said Billy Graham came to see Chuck a few months ago."
Leslie's eyes widened. "Really?" she said. "What happened?"
"They hadn't seen each other in quite a while. She said when Chuck recognized him, it was as if a chill went through him and he started crying and threw his arms around Billy and hugged him. She couldn't say enough wonderful things about how kind and loving Billy was. They visited for a while and ate together. Billy prayed before the meal-she said, 'That's the first time grace has ever been said at our table.' Then before he left, Billy prayed for Chuck."
I could see that Leslie's eyes were moist. "I'm so glad they were able to spend some time together," she said. "Maybe something will come out of it."
I nodded and then turned to resume packing the manuscript. "Madeleine said she was anxious to see my book and promised to read it to Chuck," I said. "I just hope he hasn't waited too long and that his mind will be clear enough to understand what these scholars have said. But I feel like I've got to send it-just in case."
With that, I sat down to write him a letter, wishing him well and encouraging him, as best he can, to keep an open mind and take a fresh look at the evidence for Jesus. I signed my name and put down the pen, but I hesitated to fold the letter. I wanted to write something else; I just wasn't sure what was left to say.
I glanced out the window. Saddleback Mountain was majestic against the deep blue sky. For a while I was lost in thought. And then, suddenly, words flooded into my mind. I picked up the pen, and with Leslie peering over my shoulder, quickly added this postscript:
Chuck, I hope you'll take to heart what Proverbs 2:3-5 says: "If you scream for insight and call loudly for understanding, if you pursue it like you would money, and search it out as you would hidden treasure, then the Lord will be awesome to you, and you will come into possession of the knowledge of God."
I sealed the note in an envelope and tossed it into the box, then picked up the car keys.
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Rio de Janeiro (Port)
Moored Vessels
Expected Vessels
Sailed Vessels
Latest news
ICTSI subsidiary ICTSI Americas BV has acquired 100% of the shares of Libra Terminal Rio S.A. (Libra Rio) to run the Terminal de Contêineres 1 (T1Rio) container terminal in the Port of Rio, Brazil. Libra Rio holds the concession rights to operate, manage and develop T1Rio and was acquired by ICTSI from Boreal Empreendimentos e Participações SA. The deal to take over the port container terminal concession was disclosed to the Philippine Stock Exchange, reported Manila Standard. ICTSI said: "The parties will work to sign a share purchase agreement in due course." Concession until 2048
At least three die in second Brazilian ferry accident
RIO DE JANEIRO: At least three people died Thursday when a Brazilian ferry with capacity for 100 passengers capsized, local media reports said just a day after another ferry sank, killing at least 10. The latest maritime accident took place in the bay outside Mar Grande, near Vera Cruz, in the north-eastern state of Bahia. According to Globo and other major Brazilian news sites, three people were confirmed dead and 21 rescued, while local news site Bahia Noticias reported five confirmed dead.
Petrobras suspends production at Albacora FPSO off Rio de Janeiro over oil and gas leaks
Brazil's troubled state oil firm Petrobras, has suspended production at its P-31 FPSO offshore Rio de Janeiro because of safety concerns about oil and gas leaks, according to Reuters. The closure, which was prompted after a mixture of oil and water leaked in the FPSO's pump room, happened on Tuesday but was only confirmed on Thursday. P-31 is in the Albacora-Leste oil field in the Campos Basin. The field has proven reserves of around 534m barrels. This is the second stoppage at P-31 in eight days as output was also halted on January 11 after a gas leak was detected. http://splash247.com/petrobras-suspends-production-albacora-fpso-oil-gas-leaks/Upload News


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Original Civil War Officer's Vest
Original Civil War Officer's Vest – This vest is a superior example of a now and increasingly difficult staple element of most Civil War officer's uniforms. Per the fashion dictates of the mid-19th century, gentleman usually wore vests, and Civil War officers, North and South, were no exception to these fashionable precepts. This vest is constructed, as are fine Union officer's frock coats, of excellent, British wool broadcloth, dyed to a deep, dark indigo blue. Military vests were not dictated by regulation in either army, yet most period soldier worn vests exhibit the following characteristics: stand-up collar (some were layover); nine military, cuff size buttons down the front; three front pockets (in a one over one configuration on one side of the vest, with a single pocket on the opposite side); padded breast areas; linen or fine cotton interior lining; brown polished cotton pocket linings; brown polished cotton or silk back with japanned or brass size adjuster buckle; combination of machine and hand stitching; hand whipped button holes. Needless to say, this vest exhibits all of the aforementioned characteristics. The buttons are New York Staff cuffs and are all original sews. The blue wool front and the interior lining are in superb condition; there are some weak areas and slight tears in the upper back of the vest, but these are not visible when displayed beneath a frock coat or on a form. We used to find these Civil War military vests with some regularity, they have all but evaporated, and this one is a wonderful display example.


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***As of March 18 , The City of Boca Raton has closed all facilities and non-essential services in response to the Coronavirus pandemic until further notice. Please check the City's website for current information at
Thank you for your cooperation and understanding,
and stay safe.***
Click here to learn about online registration.
Attention current WebTrac users:
Every 2 years the City requires WebTrac users to re-verify residency in person. If you have not registered for a class/program since August 2014, your username & password are no longer valid. To be reset in the system, you must come in person to a Community Center, Tennis Center, or Sugar Sand Field House to re-activate your Webtrac account. You must bring proof of residency at that time to continue to receive resident rates for on-line registrations.
Scout Programs available through the Children's Science Explorium at Sugar Sand Park.
CLICK HERE to learn more about the Explorium's variety of scout program offerings.
Please note, to register for the Explorium programs, you must contact the Explorium directly at 561-347-3912 to discuss options.


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Otoplasty Singapore: Are Perfect Ears Possible In 2020?
If you have ears which are larger than usual, or you are unhappy with the general shape of your ear, it is possible to have them look more balanced and proportioned to the rest of your face with otoplasty. In Singapore otoplasty (ear surgery) is only allowed to be performed by accredited surgeons with a special interest in the field of plastic surgery.
Otoplasty is a surgical procedure which can help to alter the shape of your ears into something more preferred. Below is a general illustration for the purpose of helping you understand what otoplasty surgery accomplishes in Singapore.
Otoplasty (Ear Reshaping) Explained
Otoplasty is considered a very common procedure. It is a procedure designed to re-establish normal balance to your overall facial shape and improve the appearance of your ears.
Children as young as 8 years old have been known to perform this procedure, under general anesthesia. Adults may prefer local anesthesia when going through the procedure.
The surgeon will make a small incision at the back of your ear to expose ear cartilage. The idea is simple, bend the ear towards your head permanently into a more desirable shape.
Stitches may be used to maintain the new shape of your ears temporarily. A faint line at the back of your ear is to be expected, however, this is usually hidden from the view of others and fades away with time.
5 Frequently Asked Questions About Ear Reshaping Surgery
(1) Is ear surgery permanent?
Yes. Once you've completed your otoplasty surgery in almost all cases the ear tends to remain in the post-operative shape.
(2) Will there be any side-effects?
Side-effects such as swelling, redness and such are to be expected in all surgical processes. However, these will heal over in a few days and your ear will look perfectly normal should you avoid any sources of infection.
(3) I have uneven ears, can otoplasty help me?
Yes, if you have one ear which is larger than the other, otoplasty can be used to correct it and add balance and symmetry.
(4) What happens after otoplasty surgery? Can you tell me about the recovery process after ear surgery?
There are a few steps you should be aware of post-surgery. After a well executed otoplasty performed by a surgeon with expertise in ear reshaping you should experience the following:
- Day 1 = You would be encouraged to put on a mild compressive head gear. You may notice that your ear becomes slightly larger (temporary) from swelling.
- Day 2 to 3 = You should be already wearing the compressive head gear as much as you can. Swelling starts to go down.
- Day 4 to Week 1 = Here, you may be able to return to normal activities (you would still have to stay away from strenuous actions) and duties at your workplace. Moreover, if your hairstyle allows it, you could be returning to normal activities sooner.
- Week 2 to Week 3 = Almost all patients here, feel comfortable to participate in social activities.
- Month 1 to 3 = Swelling completely subsides.
(5) How much is otoplasty/What is the cost of otoplasty surgery?
Generally speaking, otoplasty surgery can cost a few thousand dollars depending on the severity of your problem and if you would like to perform it on one ear or both ears. Hence the best way to get a definite price quote in Singapore is to speak to the surgeon himself.


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EDITORS' NOTE: Today, we observe the 155th anniversary of the SeattlePI, the oldest running business in Seattle, as we republish a firsthand account of the history of our city from Susannah Mercer Graham. The daughter of Thomas Mercer--one of the town's original settlers-- first shared her eyewitness account in the 75th anniversary of the Seattle Post-Intelligencer, on July 24th, 1938.
First, a word about words. Reading this 80-year old article reminds us how very far Seattle has come, but not so far that we should ever forget our past, and not far enough that we can become complacent in our drive to become better.
Graham tells her story like many tell the story of a lifelong romance—there's the meet-cute, the period of enchantment, deepened familiarity and admiration. And while this article and its preservation are testaments to the city's enduring allure, it would be doing a disservice to Seattle to pretend that this is the only history that exists.
One theme underlying all of Ms. Graham's tales is "the Indian." While she cites a "fine" relationship with the natives, this piece tells a singular story, one that does not take into consideration the long history of the people who lived on the land before Mrs. Graham: The battleship Decatur, a site of exhilaration for a young girl, was also responsible for the deaths of the tens of native people in the Battle of Seattle. It is smattered with casual xenophobia--for instance, the refusal to shake the "unclean" hands of Princess Angeline. And while she references Lake Washington with comfort and familiarity, it is easy to forget that the lake was named for the president only one year before Graham arrived. Its name in Lushootseed (spoken by Suquamish tribe, of which Princess Angeline was a member) was Xacuabš, meaning "great-amount-of-water." We mention this not to condemn Graham for what was common in the culture of 1930s, but as a reminder that celebrating our wonderful city does not preclude acknowledging its murky history; in fact, returning to these papers allows for an expansion of history, to remember many eyewitnesses who did not have a chance to publish their stories in times past. We thank reader Bill Hampton, grandson of Grace Darling Mercer Abbott, for sharing this with us, and asking us to republish it, and we look forward to publishing more history of Seattle's beginnings as we go through our archives. -- Emma Heath & Brandon Mercer
Eyewitness Story of Seattle, 1853 to 1938
July 24th, 1938
By Susannah Mercer Graham, a 94-year-old Seattle pioneer
I'm glad this article of mine is going to be printed in The Post-Intelligencer's seventy-fifth anniversary edition. I have a sort of a sentimental reason. Our family has taken The Post-Intelligencer ever since it was started. I simply can't start my day until I have read the paper through.Read Full Article
No other living person can remember Seattle as I first knew it, and I wouldn't part with that memory for anything.
When I arrived as a little girl in the summer of 1853 the great blue harbor and the wooded hills looked beautiful to me after the long, dusty, covered wagon trip across the plains.
But Seattle wasn't even a town then, and I never thought it would be. Certainly I never expected to see it grow up into a fine big modern city right before my eyes.
First Memory
I first remember Seattle as a trail in the woods. On one side were the cabins of the settlers who had landed at Alki less than two years before. Across the trail was the waterfront lined with the Indian settlement.
The Indians lived on salmon and clams. When the wind blew off the water, the air reeked with the smell of fish. I haven't cared for fish to this day.
My father, Thomas Mercer, brought the first wagon to Seattle and I remember how the Indians flocked around it to wonder at it. They gave it a name that was something like "tick-tick." probably an imitation of the creaking noise it made as it bumped over stumps and bogs.
RELATED: People who shaped Seattle
Learns Chinook
I remember how surprised I was when I found that the Indian children could not understand a word I said to them and I couldn't understand them.
I recall that all of us early settlers took up the task of learning Chinook and teaching the Indians English.
The Indians were slow to learn and as a result all of us talked Chinook, even among ourselves, and I haven't forgotten a word of it to this day. I don't suppose now, though, there are a dozen people in Seattle who can talk it.
The first school I attended was taught by Mrs. David E. Blaine, wife of the Methodist minister. The class met every day in the dining room of the Blaine home at 2nd Ave. and Cherry St. There wasn't any other school in town.
It is hard to realize now that I once huddled in a stockade in what is now downtown Seattle while the Indians massed for the attack in the near-by woods.
We were living on father's donation claim at the foot of Queen Anne Hill when the trouble broke out.
Dexter Horton, who also came from our home in Princeton, Ill. Left his store and came out to take us downtown. I started to cry on the way and Mr. Horton whispered for me to be quiet because there might be Indians in the woods and they would hear me.
We children stayed in Yesler's mill in the daytime and in the stockade with the rest of the inhabitants at night.
When the battle of Seattle came I wasn't scared. That warship Decatur in the bay looked as big to me as a modern dreadnaught, and I felt confident the whiskered sailors behind their pop-bottle guns would protect us.
My biggest thrill was after the battle. One of the men boosted me up onto a platform inside the stockade where I could look out of the loopholes where the defenders stood with their muskets.
Finery from SF
As a young belle, I remember how we used to wait for the sailing ships to arrive from San Francisco bringing new dresses and other finery.
Father used to cut wood on what is now the Broadway district and haul it downtown. Someone always went along with a. gun to keep on the lookout for Indians while he was working.
Looking back, I can't see where we had many hardships. Life was simple, but we had plenty to eat—lots of wild berries and salmon and trout. Indians used to sell us the hams of venison. I remember we used to peel off the outer layer of the hams to be sure they were clean.
When I married, my husband and I went farming on the Duwamish River. When I wanted to set to town I'd hail some Indian passing in his canoe and ask him to take me. I was Seattle's first hitch-hiker, I guess.
The Big Fire
We always got along fine with the Indians. We expected our home would be burned while we were cooped up in the stockade, but it wasn't. Father always treated them fairly.
One of my girlhood thrills was making a trip to the McGilvra place on Lake Washington Xacuabš near what is now Madison Park. I was in the first wagon that ever made the trip, and it was the roughest trip I ever had.
I took my children up a ways on Denny Hill to see Seattle go up in smoke on June 6, 1889. I told them how much better off we were than in Johnstown, where so many people had lost their lives in the flood a few days before.
I knew Princess Angeline, of course, when I was a girl, but I didn't like her. There wasn't anything romantic about her in my eyes. She didn't look clean. I wouldn't shake hands with her on that account.
Everybody liked Chief Seattle. He had wavy hair instead of straight and so he didn't look like an ordinary Indian.
For recreation we had spelling bees, and we did a lot of horseback riding. Once in a while we had a dance in Yesler's hall or a "sociable."
I remember when the well dressed Seattle woman wore her husband's cast-off hats. We would cut down the crown, put on a decoration of some sort and then had a stylish bonnet.
Of course, I remember how the Klondike rush made Seattle a booming and bustling metropolis overnight and how the cut down the hills so the city could grow, but hundreds of others remember such things, too.
The Seattle Spirit
Looking back over the years, I am convinced that it was the faith and courage of the founders that made Seattle a great city. They loved the city all the more because of the work and hardships they put into it.
They pulled together as one man when the interest of their hometown was at stake. We didn't have any cliques or factions. I believe it was this fine spirit that made the beautiful city we have today.


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https://files.keepingcurrentmatters.com/wp-content/uploads/2016/06/07162931/06.23-BlogPost.png 400 550 The KCM Crew https://www.keepingcurrentmatters.com/wp-content/uploads/2017/01/KCMBannerNoWebsiteDarkLarge.png The KCM Crew2016-06-11 06:30:592016-06-11 08:30:24Find Out the 4 Steps to Becoming a Listing Machine [FREE WEBINAR]
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A patio can be so much more than a bland slab of concrete. With the right design idea and the addition of stylish patio furniture, it can become a backyard oasis or the perfect space for entertaining family and friends. The selected material dictates the overall look of your landscaping.
Used for centuries, flagstone is a beautiful natural material that is ideal for patios. The organic shape and earthly shades of reds, blues, browns and grays enable designers to create a look that complements almost any architectural style regardless of whether the patio is large or small.
The rich gorgeous setting will reflect the uniqueness of each individual stone, as no flagstone pieces are alike. The durable non-slip surface can be installed in a repeating pattern to create a formal look or randomly for a rustic, informal ambiance. When installed correctly, this low-maintenance natural material can last several decades. It is resistant to rain and hot weather as well as the freeze thaw cycle.
If you have purchased a new home or are considering remodeling your current one, contact Colorado Living Spaces for more information on how to turn your patio into the focal point of your landscaping. Let our design team show you how we can turn your patio into a fabulous outdoor living space that will increase the value of your home.


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334 Eglinton East - Temporary bus boarding due to Metrolinx construction
Stop closed starting August 14, 2018
Starting August 14, 2018
The eastbound 34/334 Eglinton East bus stop at Leslie Street will be closed. Customers will need to transfer from the southbound 51 Leslie and the 54 Lawrence to the eastbound 34 Eglinton East at the Brentcliffe Road bus stop. This will be a long term change.
Staying in touch with the TTC
Connecting Toronto
Your weekly TTC news digest. Find out the latest news and info here.
Connecting Toronto


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Category: Mortgage Tips & Advice (27 posts)
- February 18, 2020 @ 8:45 PM
- Posted by Bryan Guertin
Should You Pay Off Your Mortgage Early?
It's a dream to be able to pay off your mortgage early, but is there a downside? While it sounds like a great idea, there are some factors to consider before doing so. This article will ex
- December 24, 2018 @ 10:52 AM
- Posted by Bryan Guertin
How to Improve Your Chances of Being Approved for a Mortgage
For most first time home buyers, obtaining a mortgage is a crucial part of the purchasing process. However, being approved for a mortgage is often easier said than done. It can be disheartening to f
- November 28, 2018 @ 11:31 AM
- Posted by Bryan Guertin
The Pros And Cons Of Reverse Mortgages - A Quick Guide
No matter how carefully you plan, life can put a dent in your retirement funds. A life-altering accident or illness can turn your life upside down. Dipping into your retirement to meet uncovered expen
- September 26, 2018 @ 1:54 PM
- Posted by Bryan Guertin
Get Shorter-Term Mortgage or Short-term Higher Rate Debt
When getting a home mortgage, if you can afford higher payments, often the option of a 15-year loan instead of one of 30 years is an option. It can be an enticing idea to know that you'll be free of a
- April 11, 2018 @ 12:35 PM
- Posted by Bryan Guertin
Refinance Your Mortgage
Deciding to refinance mortgage is a crucial financial move that can help you make significant savings. When you plan properly, do your research, and take time to evaluate where you stand financially,
- February 14, 2018 @ 11:25 AM
- Posted by Bryan Guertin
Get Approved for a Mortgage in Oakville, Ontario
So, you've decided to take the big step and look into getting what will likely be the biggest loan of your entire life: a mortgage. Applying for a mortgage can be a bit of a nerve-wracking process, es
- January 24, 2018 @ 10:55 AM
- Posted by Bryan Guertin
Looking to Invest? Pay Down Your Mortgage Instead
With all the gloomy news about pension plans in the press you may be worrying whether you should actually be investing in a pension plan or not. A new wave of thinking suggests possibly not. There may
- November 8, 2017 @ 11:25 AM
- Posted by Bryan Guertin
Credit Card Debt vs Mortgage Debt: Which Should You Pay Off?
It's always a good idea to pay down your debt when you have extra cash on hand. However, as you get started, you will probably be faced with several types of debt you can work on, and it's hard to kno
- April 11, 2017 @ 1:55 PM
- Posted by Bryan Guertin
Buying a Home, Step One: Mortgage Pre-Approval
Whether you're looking to buy your first home, or haven't purchased a home in the past several years, you may be surprised to discover that searching your local real estate listings is not the best pl
- March 14, 2017 @ 1:58 PM
- Posted by Bryan Guertin
Why Remortgage? 4 Reasons to Consider Refinancing Your Home
Your home is probably the most significant purchase you'll ever make, yet it's surprising how many people simply continue paying their mortgage every month without thinking too much about it. However,
- November 23, 2016 @ 3:53 PM
- Posted by Bryan Guertin
Saving For College: Four Tips For Parents
One of the prime concerns of parents, especially parents of teenagers, is how their children will be able to afford college tuition. With prices going up each year at even state and community colleges
- October 12, 2016 @ 10:04 AM
- Posted by Bryan Guertin
Is Having No Credit As Risky As Having Bad Credit?
Let's clear up one misconception, right off the bat: having no credit is not the same as having bad credit. 'No credit' simply means that your credit history - which tracks your loans and repayments o
- September 14, 2016 @ 10:41 AM
- Posted by Bryan Guertin
Why Should I Repair My Credit?
Your credit history is more than just a number; it affects nearly every aspect of your financial life. If you are suffering from a low credit score, you're probably an excellent candidate for credit r
- July 13, 2016 @ 10:47 AM
- Posted by Bryan Guertin
How to Manage Your Credit Card Debt: A 4-Step Strategy
Being in debt is undoubtedly stressful, more so when the interest rates keep pushing your overall debt to skyrocketing amounts. Many people fall into the temptations of unnecessary expenditures and en
- May 11, 2016 @ 10:01 AM
- Posted by Bryan Guertin
3 Ways to Change Your Financial Habits
Some financial habits are good, but others can hold you back and prevent you from saving. If you need to change your financial habits, it is important to take a step-by-step approach. This three-step
- February 26, 2016 @ 9:17 AM
- Posted by Bryan Guertin
Important Steps to Take in Your 30s to Prepare for Retirement
Some adults begin planning and saving for retirement immediately after graduating college and entering the workforce. Others delay retirement planning, believing that they have several decades to save
- January 27, 2016 @ 12:26 PM
- Posted by Bryan Guertin
Great Tips To Pay Off Your Mortgage Early
Are you looking for ways to speed up paying off your mortgage? Most mortgages are taken out for 15- to 30-year periods. However, this shouldn't stop you from paying off your mortgage early if you come
- January 13, 2016 @ 11:32 AM
- Posted by Bryan Guertin
Strategies to Dig Yourself Out of the Debt Hole
Debt. It's something almost everyone will have at some point in their life. But what happens when your debt begins to get the better of you? What options are available? Some simple strategies can help
- October 28, 2015 @ 10:28 AM
- Posted by Bryan Guertin
The Benefits of Investing in Income-Producing Properties
Making money in any real estate venture is a difficult task, and many people don't have the skills for flipping houses. An alternative to this intrinsically risky activity is to purchase a property fo
- October 14, 2015 @ 10:49 AM
- Posted by Bryan Guertin
4 Homebuyer Tips To Make House Hunting More Efficient
Going house hunting can be fun and exciting at first, but the more houses you look at, the more frustrating you might become -- especially if you just can't seem to find the perfect home. No one
- September 9, 2015 @ 10:38 AM
- Posted by Bryan Guertin
Should You Spend the Full Mortgage Amount You're Approved For?
Before you start shopping for a new home, you'll need to know exactly how much house you can afford. Otherwise, you could end up in a home that is way out of your budget. What you qualify for
- August 26, 2015 @ 10:52 AM
- Posted by Bryan Guertin
Take Advantage of Low Interest Rates to Refinance Your Mortgage
Borrowers are loving the current record low interest rates, and homeowners stand to benefit even more. If you bought your home more than a few years ago, you could probably benefit
- July 22, 2015 @ 1:31 PM
- Posted by Bryan Guertin
Home Sale Checklist
Selling your home is a big decision, and you want to make sure everything is just right before you put the property on the market. For years, you have looked at your home through the eyes of a proud o
- July 8, 2015 @ 1:06 PM
- Posted by Bryan Guertin
Why You Need an Emergency Fund - And How to Get One
Building an emergency fund is something most people know they should do but few actually get around to doing. A recent study found that nearly two-thirds of Americans did not have an emergency fund, a
- April 8, 2015 @ 7:29 PM
- Posted by
4 Strategies That Can Help You Get PreApproved
So, you've decided to take the big step and look into getting what will likely be the biggest loan of your entire life: a mortgage. Applying for a mortgage can be a bit of a nerve-wracking process, es
- February 23, 2015 @ 12:54 PM
- Posted by
5 easy ways to be mortgage free sooner!
We all know that paying off a mortgage as early as possible makes good financial sense. You'll save significant interest costs and free up money for RRSPs and other investments, and changing l
- September 30, 2014 @ 7:10 PM
- Posted by
2 Out of 3 Do Not shop at Renewal
Every now and then we see a mortgage stat that's a jaw-dropper. This finding from Manulife Bank is one of them. It suggests there are a lot more people with money to burn than one might expec


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Episode II of the podcast series
How to Measure Your Content Marketing Campaigns | Episode 2 | Content Marketing Podcast Series
Listen to the podcast!
Launchmetrics and Stylight join forces in this new, exciting podcast series about Content Marketing.
This is a 3-part podcast series, where Episode 2 will answer the following questions, among others…
Episode II:
- What do you PR your Content Marketing?
- What are Content Marketing strategy musts for any brand?
- How do you properly measure Return On Investment?
Listen to the podcast!


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This doctoral thesis consists of five self-contained essays.Common themes that unify the essays are the conditions for innovative engagements and the effort to endogenize innovations into the explanation of profitability, productivity and growthin manufacturing and service production. The purpose is to explore the importance of innovation in explaining heterogeneity in the performance of firms. The traditional analysis of the relationship between research and developmentand productivity is extended and developed by using, on the onehand, firm-level data not previously available and, on theother, a modern state-of-the-art econometric framework.
Essay I. Methods and results are reviewed and stylized facts presented regarding the return on innovation. The limitations of the data and methods used in mainstream literature are discussed. A set of firm-level observations recently made available and a multiple knowledge production function analysis have been used to clarify the role of innovation in explaining performance heterogeneity among manufacturing firms inSweden.
Essay II. The relationships between innovation and productivity among manufacturing firms in Finland, Norway and Sweden are studied. The main purpose is to investigate the contributions of firm-level innovation in creating the large observed differences in aggregated productivity growth between Norway on the one hand and Finland and Sweden on the other.
Essay III. The focus of this essay is threefold. One, since innovation has been found to be a major contributor to productivity growth in manufacturing, we seek to find whether there is any evidence for the notion that service industrie shave a lower propensity to be innovative or that they are less efficient in deriving benefits from innovations. Second, we consider what real productivity growth does, and what the measurement methods do to produce the reported weak growthrates in services. Third, given that intermediate services have been found to be one of the fastest growing input factors inmanufacturing, largely reflecting the replacement of internally provided activities by externally produced outputs, we examine what the impact of outsourcing is on productivity growth in manufacturing. The essay brings a comparative perspective to these issues by analyzing the firm-level data on innovativeactivities and economic performance in knowledge-intensive manufacturing and service firms in Sweden.
Essay IV.This essay investigates the sensitivity of estimated relationships between innovation and firm performance. The essay compares the sensitivity of results with regards to different types of models, estimation methods, measures of firm performance, classification of firms, type of innovations and data sources. The analyses are performed on both the level and growth rate of firm performance, and theinfluence of outliers is explored.
Essay V. The role of capital structure and external financing in innovation and production is studied. Results from different model specifications are explored. A preferred dynamic model with flexible adjustment is used for an inter-country and an intra-country comparison of the determinants of the optimal mix between debt and equity as wellas the rate of change towards an optimal capital structure.
This paper is an empirical analysis of knowledge capital and performance heterogeneity at the firm level. We apply new econometric methods to extensive data on innovation and innovative activities in Swedish manufacturing. A number of interesting results emerge. First, the results show that knowledge capital, defined as the ratio of innovation sales to total sales, is found to be a significant factor contributing to performance heterogeneity among firms. This relationship holds even when we control for human capital, type of output, firm size. and the entry. merger., partial closure or exit of firms. Second. knowledge capital rises with innovation input. the firm's internal knowledge for innovation, and co-operation on innovation with domestic universities. Third, when controlling for differences in innovation investments and human capital, knowledge-intensive firms are not more innovative than labor-intensive or capital-intensive firms. Fourth, organizational rigidities in innovation projects and a lack of appropriate investment sources for innovative activities are found to have a negative impact on productivity. Finally, we find a positive association between an outspoken aggressive innovation strategy, customers and a firm's internal resources for innovation and the size of innovation investment.
The availability of new internationally-harmonized innovation survey data collected from OECD countries has created some interesting opportunities for studying the following two key areas: (1) the determinants of innovation behavior at firm level, and (2) innovation as an important factor contributing to the economic growth. This paper looks at the relationship between innovation and productivity in Finland, Norway and Sweden at the firm level.
Although these countries enjoy a high degree of political, social and cultural similarities, they differ largely from one another in their productivity growth and national innovation systems.
This paper serves as another complementary link in a chain of a rather limited number of investigations in the R&D-innovation-productivity relationship within service industries. Innovation has been found to be a major contributor to productivity growth in manufacturing. In this paper, the importance of innovation is explored by comparing manufacturing and service firms in a sample of knowledge intensive industries. In particular, we intend to find evidence on the following two issues. First, is there any evidence that the reported weak rate of productivity growth in knowledge intensive services can be explained by a low propensity to be innovative? Second, is it possible that knowledge-intensive service firms are less efficient in deriving benefits from innovation than knowledge-intensive manufacturing firms? Empirical results based on innovation survey data indicate a surprising similarity in innovation performance between the two categories of firms.
We examine sensitivity of the estimated relationship between innovation and firm performance. In doing so, we rely on a knowledge production function approach and carry out comparisons in a number of ways. The sensitivity analysis is based on the comparison of a basic econometric model estimated assuming different error structure and using the same data source, an identical model but different data sources, different classifications of firms performance, different classifications of innovation and the two main different subpopulations of the business sector. The analyses are performed in both level and growth-rate dimensions. New findings are reported and previous results are confirmed as well. The study gives indications of what factors cause variations in the estimated effects of interest and the direction of changes.