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The Pros and Cons of a Home Equity Loan
When Richard Hayman, a consultant in Potomac, Md., took out a home equity line of credit (HELOC) a little over 10 years ago, he learned the hard way that reading the small print really matters.
HELOCs typically have a draw period, a fixed length of time during which you can access funds. During the draw period, you make monthly payments of both principal and interest. At the end of the draw period, you enter the repayment period, where your access to the funds ends. You continue making payments until your balance is paid in full.
Hayman's 30-year HELOC had a 10-year borrowing period, leaving the next 20 years to pay it off. At the time, interest rates on HELOCs were low. Hayman said he was offered a rate of 2.75 percent. But, as with most HELOCs, that interest rate was variable.
Ten years later, interest rates were on the rise and Hayman wanted to refinance his loan to lock in a low rate. "Since rates were quickly rising, I offered to start the repayment period a few months early," Hayman said. At the time, Hayman said, the bank servicing his HELOC was advertising rates of 4.25 percent. "They offered me 6.1 percent. Nutty!" he said.
That's where Hayman's failure to read the fine print came back to bite him. According to the agreement Hayman had signed, the bank was within its rights to charge him higher than the market rate at the time.
Hayman's story is one example of a potential pitfall that comes with tapping home equity, and a HELOC is one way to borrow against it. If you're in need of cash for home improvements, consolidating debt or covering another major expense, and your home is your greatest source of potential wealth, you have several choices: home equity loan, HELOC or cash-out refinance. Which home equity product is right for you? This guide will help you understand the different ways you can tap your home equity and the pros and cons of each.
What is home equity?
Your home's equity is essentially the portion of your home that you own outright. You can calculate your home equity by taking your home's current value minus your mortgage balance. For example, if your home is worth $250,000 and you have $150,000 left on your mortgage, you have $100,000 in home equity.
For many homeowners, their home equity represents a significant portion of their net worth, and it's an asset they're willing to leverage. In June 2018, LendingTree analyzed home equity loan requests since the start of the year to find out how homeowners plan to use proceeds from home equity products. Perhaps not surprisingly, many homeowners use their home's equity to generate more. The most common use of home equity funds is home improvement, at 43 percent of applications, followed by debt consolidation at 38 percent. Other uses include investments, retirement income and covering emergency expenses.
Now let's take a look at the three ways you can tap your home's equity and the pros and cons of each.
Compare Home Equity Loan Rates
Home equity loans
A home equity loan is also known as a second mortgage. You'll keep your existing mortgage but borrow against your home's equity in a one-time event.
- Interest rates are usually fixed. If interest rates rise, your payments are not affected.
- Lower cost of borrowing. Interest rates on home equity loans are typically lower than the rates for personal loans or credit cards because your home is used as collateral.
- You'll receive proceeds from the loan in a lump sum. For this reason, Johnna Camarillo, an assistant vice president at Navy Federal Credit Union, said, "A fixed rate home equity loan is great for those situations when the homeowner knows exactly what they're going to use the loan for." That may include home improvements, paying off other debts or funding a child's education. "The terms of the loan are set, so the homeowner will know exactly how much the loan will impact their budget in terms of cost and time to repay the loan," Camarillo said.
- Use the money for whatever you need. You can use a home equity loan to start a business, pay for a vacation, purchase an investment or for any other purpose. Some reasons for using a home equity loan may be better than others, but once you're approved, you can use the lump sum for whatever you want.
- Higher interest rates. Interest rates are usually higher for home equity loans than they are for HELOCs because you're trading a lower interest rate in exchange for stability in the rate you'll pay over time.
- Your home is at risk. Using your home as collateral usually means paying a lower interest rate for a home equity loan than you would for an unsecured loan. But if you default on your loan, the bank may foreclose on you and take your house.
- Costs and fees. Home equity loans typically come with closing costs and fees. You may be able to roll these into the loan amount, but these costs should be taken into account when you're comparing your options.
A HELOC is similar to a credit card. Rather than loan you a lump sum, a HELOC gives you access to a set line of credit that you can borrow against over and over again during the loan's borrowing period.
- Flexibility in the amount you borrow and when. "Like a credit card, you only use what you need when you need it," Camarillo said.
- Payments don't start until you access your funds. You do not have to pay interest on the line of credit until you actually withdraw the money.
- Lower interest rates. Initially, rates on HELOCs are typically lower than those of home equity installment loans.
- Low or no fees. Some lenders offer HELOCs with little or no application fees or closing costs. But review your loan documents carefully. Lenders may charge points or fees for appraisals, attorneys, title searches and more. These may be paid upfront or rolled into the loan amount, so make sure you know what you're paying before you sign.
- Faster approval process. Home equity loans and cash-out refinances typically involve a lengthy application and underwriting process. If you need access to funds quickly, a HELOC may be your best bet.
- Unpredictable payments. HELOCs are typically adjustable-rate loans. If interest rates go up, so will your monthly payments. Camarillo recommended when shopping for a HELOC, "look for an option to convert it to a fixed-rate loan and consider any fees associated with locking in the rate. If interest rates start going up, this will allow you to lock the interest rate on any balance you owe." But remember, as Hayman learned, the bank may not have to offer you market interest rates when you move to lock in your rate. Read the fine print to make sure.
- Your home is at risk. Just like a home equity loan, a HELOC uses your home as collateral. If you default on your HELOC, the bank may foreclose on the property.
- The lender may "freeze" or reduce your line of credit. Some HELOCs allow lenders to freeze or reduce your line of credit if the value of your home declines significantly or you experience a change in your financial circumstances. This can leave you with no way to tap your home's equity when you need it most.
- Fees and penalties. HELOCs can come with many fees and penalties:
- Before you take out a HELOC, make sure you know whether the lender will charge an annual fee. Some lenders will waive the annual fee for the first year or beyond. Talk to your lender and read the fine print.
- Some lenders charge a prepayment penalty or cancellation fee if you close your account within a certain number of years from the account opening. If you plan to sell your home soon or close the account for another reason, make sure you're aware of whether your lender will impose a prepayment penalty.
- A lender may charge an inactivity fee if you don't use your available line of credit. Ask your lender to remove this before agreeing to the HELOC or look for a lender who doesn't penalize you for using your credit only as needed.
Cash-out refinance
A cash-out refinance replaces your existing mortgage. Your new mortgage will be for a larger amount than your current loan. Proceeds from the new loan are first used to pay off your existing mortgage(s). Then you'll receive the difference between the two loans in cash. Your new mortgage may have a different interest rate and different terms than your existing mortgage.
- Interest rates can be fixed or adjustable. This gives you the flexibility to choose the type of loan that works best for you.
- You may be able to lower the rate on your first mortgage. If current interest rates are lower than the rate on your existing mortgage, a cash-out refinance can lower the cost of borrowing while also allowing you to access cash from your home equity.
- Lower interest rates. "The benefit of a cash-out refinance is that it typically offers a lower interest rate than a HELOC," Camarillo said.
- You may lengthen the term of your loan. "One thing to keep in mind with a cash-out refinance," Camarillo said, "is that it will likely add more payments to the term of your loan. If you need $30,000 for a kitchen remodel and you choose to do a cash-out refinance, you may be making payments on that $30,000 for 30 years and paying more interest over the life of the loan."
- Your home is at risk. It bears repeating: Anytime you use your home as collateral, you run the risk of losing your home to foreclosure if you default on the loan. Make sure you understand the risks before borrowing.
- Closing costs and fees. Any mortgage will have closing costs and fees. Consider how you want to use your home's equity and take out the appropriate amount of cash so that you don't need to refinance repeatedly, incurring additional fees each time.
Bottom line
Luckily for Hayman, he wasn't locked into the high interest rate offered by his HELOC lender. Hayman said his credit score is over 800, an excellent score that should give him access to the best rates from lenders. So Hayman shopped around. He said he was able to refinance his HELOC into a fixed-rate, seven-year mortgage from another lender with a rate of 3.8 percent. "The closing costs weren't bad," he said.
If you're considering tapping your home's equity to pay for home repairs, buy an investment property or for any other reason, a home equity loan, HELOC or cash-out refinance may be just what you need. But make sure you understand the options available to you and the pros and cons of each. Never take a loan officer's word that you won't be charged closing costs or fees, won't be subject to a prepayment penalty or will get a market rate at the end of your HELOC's borrowing period. Get everything in writing. And no matter which home equity product you choose, only borrow what you need to accomplish your goals. Like any financial tool, home equity products can hurt you if you're not careful.


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PROFITABILITY: Making the Leap from Corporate to Entrepreneurship – Part 2 of 3 » money in hand
Money in hand isolated on sky background
Money in hand isolated on sky background
Since 2003, I have leveraged my 40-year business career and life experience into a role as an executive coach and international speaker, author and columnist. Practicing what I preach, I have been my own agent of change during my career. It has sparked in me a passion for helping others change as well. In fact, I've committed my life to it.

subset: commoncrawl


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Mount Cervino, the perfect mountain.
Snow, which you can find at Cervinia nearly all year round.
Skiing, available at any time, even at night.
The nature and beauty of Valle d'Aosta.
A world of culinary discovery, with a restaurant that is included in the most important international guides, and a cellar that offers surprises to even the most experienced wine enthusiasts.
And what can you do at Les Neiges d'Antan? Everything.
A week's skiing in Valle d'Aosta, at Cervinia, on the slopes of Mount Cervino.
A romantic holiday in the enchanted atmosphere created by crackling wood fires, and rooms filled with timber furnishings and poetry.
A weekend of wellness and relaxation in the spa, with views towards majestic Mount Cervino.
A holiday dedicated to mountain biking, yoga, or freeriding.
A meeting or a team-building event in a location that enhances team spirit and the pleasure of being together.
All this, at any time of year.
Ski mountaineering
Night skiing
Ice skating
Nordic Walking
Summer skiing
Trekking, walking, running
Mountain biking, downhill & trail biking
Nordic Walking
Hata yoga lessons for a wellness holiday in Valle d'Aosta
My name is Rosangela Faccin, and I am a holistic expert operating in the area of Indian Ayurvedic medicine. I studied Hari Yoga and attained a qualification as teacher to complete my interior and professional excursus.
Hari Yoga is a different way of performing Hata Yoga, because it doesn't exclude other yogic techniques, and on the contrary provides ample space for the teacher's own expression during a lesson.
In fact, in Hari Yoga, Hata is performed, but with careful alignments, using, according to teacher recommendations, straps, blocks and cushions, as in the haiengar method, and yet more, in accordance with the teacher's sensitivity and personal expression. Therefore, in Hari Yoga sessions, you may well encounter exercises of pranayama and kundalini techniques, or yoga nidra-type guided meditations at the start and end of every session, or mantras to chant, and Mudra for every type of asana.
Personally, my techniques are fundamentally Hata Yoga with details from the haiengher style, and with moments of Viniasa, in other words movements that are linked exclusively to respiration, and a lot of guided meditation focusing on the perception of your own bodily sensations during the exercises.
My method of teaching is based principally on interior awakening, on the discovery of your master, that part of us that is nothing else but the pilot of our ship (our body). Often, at the start of the lesson, but sometimes at the end, by means of music of my inspiration, I compose tales that I read aloud according to the musical notes I have chosen, encouraging participants to experience the narratives themselves, with gentle asanas that help enter the part, thus awakening emotions and primordial memories of ourselves that we had forgotten, and which help us rediscover meaning and a place within our existence.
An extra bonus for a holiday of absolute inner harmony is offered by Liudmila, a qualified systemic counsellor.
Her curriculum begins from her training, with objectives based on helping individuals to attain inner wellness: systemic counsellor, Vivation Professional, holistic operative belonging to the category association SIAF( Società Italiana Armonizzatori Familiari, Italian society of family harmonizers), and yoga instructor (Hatha Yoga, Yoga Nidra, and Pranayama).
Systemic counselling is a technique trat helps attain optimum balance in one's personal and family life. It provides support for an individual, enhancing one's interior resources in order to face every situation in life, and above all moments of difficulty, loss of direction and confusion, more effectively.
A path developed by means of interpersonal interchange, helping in the search for routes and resources that enable a person to face the realities of present and future life more effectively.
The natural and human environment of Les Neiges d'Antan becomes an important factor in facilitating reflection, discussion and thought, opening up and expressing one's weaknesses and difficulties.
Particularly during summer, the mountains are the perfect setting in which to relax, and the silence of nature amplifies and enhances meditative introspection. This broadens your horizons, focusing your attention on your inner strengths, helping you to face day-to-day occurrences with greater balance.
Cervinia is the Italian resort with the longest-lasting skiing season: from early November to May. And you can even ski in summer, on the snows of the Plateau Rosà glacier.
No end of opportunity to enjoy a wonderful week of skiing on legendary pistes.
In winter, the Breuil-Cervinia piste system includes a huge number of slopes, starting from Valtournanche (1,524 metres), moving up through Cervinia, and reaching Plateau Rosà (3,480 metres), Piccolo Cervino (3,800 metri) and the summit of Mount Cervino. With a total of 360 kilometres of piste and a wide variety of slopes, this is one of the largest and most spectacular skiing locations in the Alps.
A week's skiing in Cervinia is a dream for all skiers and snowboarders, and also for those who revel in the exciting eperiences of heli-skiing, freeriding and ice karting.
Back in the hotel after your adventures on the snow, you can relax in the warm atmosphere of open fires, enjoy the spa with its beneficial treatments, and savour the cuisine of a restaurant that is featured in the top culinary guidebooks. Enjoy the embrace of a setting with a welcoming and friendly feel, where you will immediately feel at home.
You don't have to worry about anything: we will print your ski-pass directly at the reception. You don't have to use your car to get to the pistes: we will take you in our Land Rovers, and we will come to fetch you as soon as you call us.
It's the skiing holiday that can change your year. Perhaps your life.
Whether you enter hand in hand, embracing, or kissing, your first time at Les Neiges d'Antan will be love at first sight.
It's your escape for heart and soul, a place where you are welcomed by the warmth from the open fires, the light of a thousand candles, the atmosphere generated by charm and beauty, and music that is the perfect accompaniment for the setting.
When you enter your suite, you will be delighted by the fragrance of timber, and the spectacular views of Mount Cervino.
Enjoy the experience of the warm outdoor whirlpool tub, reserved for you two alone, with a bottle of champagne that you can keep chilled to perfection simply by placing it in the snow.
A candle-lit dinner, with the finest specialities from Valle d'Aosta, accompanied by wines chosen from a list that is a delight for all connoisseurs.
Before or after dinner, have a drink in the lounge, in the mellow light, in front of the fireplace.
The perfect romantic holiday.
It's wonderful to be in love. It's even better to be in love at a place like this.
"Bring your mountain bike, and I'll help you discover the most exciting routes of Valle d'Aosta. With my Santa Cruz I have cycled all the tracks of the valley, from the easiest to the most extreme, and so I can give you suggestions on the perfect itinerary for you with your mountain bike.
In summer, Les Neiges d'Antan is a favourite location for mountain bikers. The holiday packages, specifically designed for all those who love this sport, include assistance from Federciclismo instructors, jeeps ready to pick you up at the end of the trail, and videocameras that will enable you to immortalize those exciting moments.
The advantage of Les Neiges d'Antan is that it is outside Cervinia: just open the door of the hotel, and you're already in the forest and on the tracks awaiting exploration on your mountain bike.
When you return from your fantastic ride, there are other pleasures to look forward to: sunbathing on the terrace, relaxing in the spa, feeling the fatigue gently washed away by the sauna and Turkish Bath; the luxury of doing nothing – for once – in the lounge; and the culinary delicacies awaiting in the restaurant.
Cervinia and Valtournanche, just as for other locations in Valle d'Aosta, have invested a great deal in encouraging the use of the bicycle for discovering the natural habitat in a silent, eco-friendly way, with many tracks, whether natural or specially built, on which you can enjoy the special emotions offered by mountain biking.
Why not discover this magical world here?"
Ludovico Bich
"Freeriding here is fantastic, and you can take my word for it, because I was born in Cervinia, I have always lived here, and I am familiar with every inch of piste and off-piste slopes.
Do you want even more than the 360 kilometres of piste in the Breuil-Cervinia system?
If you are attracted by the powerful emotions of freeriding, we can set off together, with an Alpine guide. I'll be the snowfinder.
Safety first: Les Neiges d'Antan organizes Freeriding trips with local Alpine guides, who enable you to discover the very best powder skiing around Mount Cervino.
Whether on skis or snowboard, you'll enjoy the unique thrills of powder snow, with the added pleasure of being a world apart from the crowds. You will see views evoking the first day of the earth's creation.
And later on, after your return to the hotel, there are the luxuriant experiences of pure wellness in the spa, such as relaxing in the warmth of the open-air whirlpool tub, surrounded by the snow that you were enjoying just a few minutes before."
Ludovico Bich
"I go running every day.
With Hansel, who is not a character from the fables, but my lovely dog.
I leave Les Neiges d'Antan, and I'm right at the centre of nature.
No cars, no traffic, just the path, and views of Mount Cervino.
If you like walking, running or sky-running, I will be happy to tell you about the most beautiful paths and routes, that begin just a few dozen metres from the hotel.
One of them fascinates me every day: a flat, panoramic route that runs along the hillside, towards Valtournanche.
A magnificent route, once a road to an ancient mine, abandoned many years ago. It runs through tunnels excavated into the rock, and on the way back, you are looking towards Mount Cervino.
And it is all relatively flat, ideal for walking and running even if you are not used to running at a height of over 1,900 metres.
The return trip is about 12 kilometres, during which you are running (or walking, if you prefer) in the cool of the mountain. You may glimpse foxes, deer and ibex who, like me, love this track and these mountains."
Ludovico Bich


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Val Gardena World Cup Ski Experience
The Prize
This year marks the 50th anniversary of the World Cup in Val Gardena.
One more reason to enjoy this extraordinary experience: an overnight stay for two people at one of Val Gardena's prestigious hotels and two passes for the VIP area to see the races on December 15 and 16, 2017. You and your guest will also be able to meet the Italian athletes before the races begin.
This is a truly wonderful occasion that downhill skiing enthusiasts can appreciate.
Accommodations are for two nights, from December 14 -16, in a 3-star hotel to be communicated to the winner close to the event date, breakfast included. A minor may participate only if accompanied by a parent/adult.
The Cause
The Federazione Italiana Sport Invernali (FISI) is the federation that organizes, promotes and coordinates the practice of winter sports in Italy.
Founded in 1908 with the name Unione Ski Club Italiani, this nonprofit organization has its headquarters in Milan and is affiliated with CONI, the Italian Olympic Committee.
FISI represents 16 disciplines, 10 of which are Olympic, and is active throughout Italy with 18 regional committees and delegations.
The Federation's impressive list of athletes has brought home a total of 101 Olympic medals, 350 World Championship medals, and a countless number of international successes.
Federation athletes, in cooperation with Pool Sci Italia, donate their autographed ski equipment, like helmets, skis and other unique memorabilia to charity.
Exclusive experiences in the champions' company are also auctioned off: overnight stays during the selection phases for the Alpine Skiing World Cup in Italy or a few days as a guest at the Gruppi Sportivi Militari (Military Sporting Groups) to spend a day with a great former champion or have a peek behind the scenes of world champion athletic training.
Make your donation and participate in this solidarity project along with your champions. All proceeds will go toward rebuilding the facilities and services supporting winter sports in the areas struck by earthquakes in Central Italy.
The FISI Federal Council will donate the funds at the end of the 2017/18 season.
Additional Details
Service Charges
Talk To UsFor any questions, please get in touch
and we'll get back to you shortly. Send message


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Trip to Kona
Kona is on the west side of the Big Island
and is known for sunshine most of the year. It can often be
compared to the leeward side of Oahu that is also very dry. The
trip to Kona consisted of one day of SCUBA diving and riding mules the
next day in the afternoon.
The Island of Hawaii is often referred to as the Big Island since it is as large as the other major islands put together. The Big Island is also the youngest at about one million years. T-Rex was long extinct before this island was born. The Big Island hosts two active volcanoes. Kilauea is the most active volcano in the world. It began a phase of eruption in 1983 and shows no sign of stopping. Mauna Loa erupted a few times in the 1980's, but is capable of inundating Kona and Hilo. The Kona International Airport was carved from a Mauna Loa lava flow dating back to the 1850's.
The Big Island is so young that there are very few beaches. With little sand to stir things up, the water is very clear. Another unique feature about the Kona side of the island is how deep the water gets often just a few hundred feet from shore. In some areas, it is like looking over a cliff into the abyss.
Return to Pacific Pinnacles Home Page
|First Dive
|Second Dive
|Sunset and Manta Ray Dive
|Mule Ride
Return to Pacific Pinnacles Home Page


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Source reduction is a vital set of activities with the intent to eliminate waste before it's created in the first place. Source reduction benefits have the potential to help retailers win big – here's what you'll see if you do it right:
- Cost savings by avoiding the purchase and disposal of unneeded packaging products
- Reduced environmental impacts
The way you transport, receive and store your perishables throughout the supply chain matters. (A lot.) If you're relying on outdated one-way corrugated boxes, you're not actively taking advantage of the benefits that can be seen with source reduction. Reusable Plastic Containers (RPCs) efficiently and substantially affect how much waste your operation generates by allowing you to eliminate your one-way packaging waste rather than having to manage it. And the results are staggering.
As of December 2018, retailers and suppliers who have chosen to use Tosca RPCs have successfully diverted 779,384 tons of corrugated packaging from the supply chain. That's more than 1 ½ billion pounds of waste that never entered the waste stream in the first place – which is no small feat. And certainly no accident.
Source reduction starts here
Despite the fact that corrugated packaging is recyclable, an alarming amount of corrugated waste still goes into landfills every year. Source reduction and recycling diligence are often uneven across industries, companies and individual sites. However, it's been proven that for every RPC used, we eliminate approximately 1 – 1.5 pounds of corrugated cardboard from ever entering the supply chain. That means every pound of corrugated diverted from the supply chain is a pound that we're confident won't end up in a landfill some day.
Source reduction generates savings, too
By using innovative source reduction solutions like RPCs rather than one-way packaging, you'll see significant savings, too. Because cost savings depend upon several factors – packaging, product price, damage rates, etc. – savings can vary greatly. Generally, the higher the price-per-pound of the product, the greater the potential savings if damage is reduced. Thanks to the structural integrity of RPCs, their proven shrink reduction makes them the preferred packaging solution for perishables.
We also know that a reduction in the amount of corrugated cardboard that your employees have to manage will also significantly reduce costs. When a retailer receives product in a corrugated box, it takes time and labor to open and empty the boxes, place the product on shelves, break down the boxes, and dispose of them or prepare them for recycling. Retailers who choose RPCs for their produce, case-ready meat, eggs and poultry supply chains greatly reduce time and labor costs as they are simply collapsed and returned.
So – are you ready to see how source reduction with Tosca RPCs can have a potential savings impact for your business?


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SCHMACKOS™ Chomp 'n' Chew™ Peanut Butter & Chicken Flavours for Large Dogs
Available in 30g & 60g Dog packs
Recommended for: keeping your hound occupied and not chewing your best shoes.
Long-lasting natural rawhide filled with a delicious SCHMACKOS™ meaty centre.
Product Benefits
Rawhide; chicken; wholemeal wheat flour; soy grits; dextrose; humectant; flavours (including peanut butter flavour); salt; maltodextrin; sugar; preservative; colours; vegetable powders; mineral salt; canola oil; xanthan gum; antioxidant.
Feeding Guide
|Adult Dog Size
|Up to 1
|Up to 2
|Up to 3
Intended for occasional or supplemental feeding. Not suitable for young puppies under 6 months of age. As with any long lasting product, supervise your dog to ensure the treat is adequately chewed. You can feed your dog delicious SCHMACKOS™ as a treat or a reward. Feed them whole.
Nutrient Analysis
|Crude Protein (min.)
|Crude Fat (min.)


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The cooler temperatures in August have been a blessing.
We see some heat and drought stress to trees and shrubs. The lawns are starting to recover nicely, though. I think it is time to dial back the sprinkler clock. We want to minimize disease issues. Please, only water in the morning on your regularly scheduled day.
We would like to see the same for the landscape plants and trees. We've noticed trees sloughing some of their leaves, as well as leaf scorch on shrubs. Even though it is stressful, it is not uncommon to see it happen after the kind of heat we have experienced.
If you don't have it scheduled, I would highly recommend fertilizing the landscape in the spring and fall. It is designed to help replenish nutrients used during spring flush, and summer stress.
The local news mentioned several new cases of West Nile victims in Tarrant County. The recent rain will hatch a lot of new mosquitoes. Here are a few tips to minimize development.
- Check and change outside water bowls daily
- Make sure drains and gutters are free of debris and flowing correctly
- Empty any buckets that might have collected water during the storms
Remember, it only takes a teaspoon of water to hatch mosquitoes.
If you need help with mosquito control, let us know. We can fog the property monthly, or install a mosquito misting system.
Contact us below for a quote!


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Message magazine is the longest running religious journal addressing African American issues with it's contemporary Christian perspective and an urban vibe.
Magazine covers are used for illustrative purposes only and you may not receive a copy of the particular issue depicted. Your subscription will include the most recent issue once your subscription begins. Magazine covers are the property of the publisher. This site is not officially affiliated with, associated with, or endorsed by Message or the publisher.


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I am interested in both the world wars, says author Shrabani Basu
Over a million Indian soldiers fought in World War I. Shrabani Basu's book recalls their forgotten history. An interview with the author.books Updated: Jan 02, 2016 16:16 IST
Over a million Indian soldiers fought in World War I. Shrabani Basu's book recalls their forgotten history. An interview with the author.
Did your book on Noor Inayat Khan spark an interest in the period when India was on the make and the empire was unravelling?
Britain, history, India — have always been my spheres of interest.
Were you looking for soldier-pioneers, or was there a particular side of World War I with an Indian connection that you wanted to explore?
I am interested in both the world wars. As the centenary was approaching in 2012, I thought what everyone will talk of is the Battle of Somme and the Battle of Gallipoli. No one will know about the Indians. If Noor, the woman who won the George Cross was forgotten, so would the soldiers. There were 1.5 million soldiers — for me that was the story. There were farmers, shepherds, who didn't know why they were doing it but were risking life and limb for another country. From the First World War, we know the Tommies and their helmets. In the trenches, there were men in turban. It was a gathering of the largest number of people from the colonies. The greatest disservice would be to forget them. From Maharajas to sweepers to pilots — I didn't even know there were Indian pilots in the First World War —I was learning about all of them as I went along. I found Sukha, the untouchable sweeper, in the hospital files.
Sukha is the one with the English girlfriend?
Sukha acquired a life of his own. His having an English girlfriend is fiction. When he died, people didn't want to cremate him till the local vicar came up to bury him. The BBC mentioned him in a programme.
In your book, the Maharaja of Bikaner is quite a character. He is said to have participated in the war.
He and the other royals were constantly complaining of being kept four miles from the trenches. I guess to have Maharajas dropping dead in the trenches would not have been good PR. The Maharajas were literally asking the shells to hit them.
It was in the interest of the English to look after the men well.
There was always a contradiction. While on the one hand you had a 'Comfort Committee' with people like Lord Curzon in it looking after the smallest of wants — for example fine-toothed combs for Sikhs to comb their hairs to organising of Punjabi sweets called pinnis as the soldiers didn't like English candies — on the other hand, they were very strict about the fact that there should be no White nurses to look after the Indian soldiers. There was to be no liaison between lonely English women whose husbands had gone off to the front and lonely Indian men. They were also clear about not having any Indian officers. After the First World War, this order was reversed as Indians began to be taken in as officers at Sandhurst.
Many as young as ten lied about their age and boarded a ship to go to Europe. Why?
You can always make out if someone is 10 or 18 – basically the English turned a blind eye. These kids, of course, mainly worked in the kitchens, kneading dough. But there were others who were in the trenches getting blown up. You had English officers like Walter Lawrence who complained that you couldn't run wars with kids. Every week he wrote a report to Kitchener, the war minister. Why did the Indians go? They felt the loyalty to their king keenly. You had parents write to their sons saying 'do it for your king, George Pancham' as they called George V. It was impressed upon them that if you do well, you will bring honour to your village. I nearly called the book Salt of the Sarkar. There were other considerations. Laddie Roy, the pilot, for example, wanted to prove that the Bengalis, too, could be a martial race.
Read: Your daily does of life and style tips
What did the end of the war bring for all?
There was support for the war in the hope of a Dominion Status. It didn't happen. Five months later, we got Jallianwala Bagh. This turned the tide. Tagore returned his knighthood. The Independence movement picked up after Jalianwala. There was aerial bombing of Gujranwala. Hardit Singh Malik, one of the pilots, who was to get married that Baisakhi day, called it the darkest day. The same planes he had been flying were used to bomb his own countrymen. Udham Singh was born out of all that.


text: Hello Everyone, I enjoy making CP soap and experimenting with different additives. I tried sweet almond oil, castor oil, sugar and recently purchased aloe vera oil which I haven't used yet. My question is do most use one additive or mix and match? I've been using castor and sweet almond oil at 5% and dissolve one teaspoon of sugar in water before adding lye. I make small batches using 16 oz of fat. If I add 5% aloe vera oil is that too much? 55% lard 15% olive oil 20% coconut oil 5% castor oil 5% sweet almond oil 1 tsp sugar water to lye ratio 2.7 : 1 would it be okay to drop the coconut oil down to 15% and add 5% aloe vera? Does this recipe have too many additives? thanks!


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Weekend update
There's plenty to look forward to this weekend, what with Mike Stidham sending out runners both days at Fair Grounds, as well as the reappearance of a tough and popular mare looking for more black type over at Oaklawn Park.
Table Three Ten is one of 13 to line up in the $100,000 American Beauty Stakes at Oaklawn tomorrow, and jockey Shaun Bridgmohan takes the mount on Stidham's six-year-old daughter of El Prado, who is gunning for her first taste of stake-race glory.
That being said, Table Three Ten picked up a valuable slice of black type on her first effort for the barn a couple of runs back in the Dream Supreme Stakes at Churchill Downs. This gutsy performer is nothing if not honest, and Stidham is confident she will again fly the stable's flag with honors.
Over at Fair Grounds, Aftermarketspoiler and Skirts on Fire hold entries tomorrow, while Gumdrop is the stable's sole representative Sunday.
We also have news concerning some of Stidham's recent winners. Notte d'Oro, Twin Creeks Racing Stable's Marie G. Krantz Memorial Handicap heroine, is being primed for the $60,000 Bayou Handicap at Fair Grounds on February 21.
"Last year, she got sick and had to have some time off," said assistant Hilary Pridham. "But this year she's stayed healthy, and she's now improving all the time."
Katie's Eyes, owned by Dawn and Ike Thrash and Janet and Sam Alley, picked up her second consecutive victory for Stidham yesterday, and a long-term goal for this speedball daughter of Leroidesanimaux is the Giants Causeway Stakes at Keeneland.
"If a suitable race comes up for her between now and then, it would make sense for her to have one more run," said Pridham.
Last but certainly not least, honorable mention goes to Gucci Brown, who stepped up considerably from her debut performance to positively run away with Monday's maiden at Fair Grounds.
Owner Steven J. Perlick looks to have a talented young lady on his hands, and as social media pointed out in the aftermath of the win, "Trainer Mike Stidham really gets the most out of BIG BROWNs."
Thank you for that one Michael Adolphson!
Don't forget to check back in again next week for a review of the weekend action.


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The day before Kitty's birthday I was running around like a headless chicken who frequently has to stop and nurse a baby while looking at the chaos surrounding her and mentally scrolling through the list of things still to be done before the morning that seems to have imprinted itself on her retinas whenever she closes her eyes.
Yes, that chicken. Fortunately we had ample help of the Uncle, Auntie and Grandpa variety and by the time Saturday turned into Sunday it was starting to feel like we might just make it.
Presents were wrapped and piled on the breakfast table, a f orest of helium balloons were tied to the back of Kitty's chair and I'd made batter for a Mickey Mouse waffle breakfast, a triple layer Black Forest Victoria birthday cake tiled in giant chocolate buttons, and a lemon passion fruit sponge covered very inexpertly in fondant, pink and red letters and wafer butterflies that we took to church on Sunday morning to celebrate both Kitty and a dear church friend who shares her birthday.
If there was anything missing it was our birthday banner which I remember finding at the beginning of the summer and putting in a very safe place, and if anyone knows where that is, please do let me know. My only consolation is that perhaps she's not quite tall enough to have been able to see it anyway.
It felt for all the world like trying to pull off Christmas, just without the mince pies.
In previous years Kitty has enjoyed her birthday, loved being the centre of attention, the sudden arrival of new toys, and even got over her deep suspicion of candles and cake that marked her first birthday celebrations, but this was I think the first year where she really got what a birthday was about, why we were celebrating, and most importantly, when.
It's the first year that she's actually asked "when is it my birthday?" and counted down the days. She's been talking about cake for weeks, with varying requests for chocolate, strawberry and vanilla and has been very consistent about wanting to have her party at church (hence the second cake).
I'm always going to want to celebrate my children, to make a big fuss of them on their special day, what parent doesn't, but this year it felt like the first birthday that would actually count.
I know she won't remember her first birthday except in photos, and I've always thought that first birthday parties are as much for the parents to celebrate their joy in their baby as it is for the slightly bemused one year old presented with a slice of cake and a lot of other people touching their toys. Her second and third birthdays were lovely, but again, I suspect the memories will be prompted not organic, but this year, this could be the first of the birthdays that she really remembers for herself.
And I think that's why I wanted it to be even more special and perfect and wonderful, to justify her excitement and her understanding and to live up to all of her expectations of what a birthday should be, and for all the right reasons.
I think we did it. I really hope we did it. I know she loved her breakfast, sat in balloon festooned splendour at the head of the table eating waffles and maple syrup and handfuls of blueberries and raspberries; she was all shy smiles standing at the front of church while we sang Happy Birthday; and when her birthday cake came through the door covered in candles you couldn't have found a smilier four year old.
And I think that for the first time she understood a little more that each of her presents had been chosen and given by the people that love her most; she seemed to really take time over each one, and they've all been opened and explored and played with, and taken to bed/nursery/the butchers, each a mark of deep appreciation.
We tried to make it about saying 'yes' wherever we could, including handing over a gigantic slice of birthday cake and trusting that she'd only eat a normal size portion (a gamble that fortunately paid off); about spending time with family; and about slowing down and just enjoying being in the moment.
Definitely a birthday to remember.


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When you're in the business of helping people, one of the best feelings is receiving positive feedback from the clients and families you serve. We view it as a privilege to provide in-home care for seniors and others needing help to live independently at home.
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I spoke to a case manager at the hospital and she brought me some brochures for home care services. The top brochure was from Home Helpers and the case manager had written the word "premium" in large letters! So I called and spoke to George Jones and he said they would be in contact with me to explain how home services work. Before I knew it, both George and his lovely wife Patricia were sitting at my bedside.
I had no idea as to how much or what kind of help I needed, but they were very patient and guided me through. I had in-home care for about three months and everyone that came was so kind and helpful. They trained me well, and by the time I was ready to be on my own, I knew exactly what to do. I'm so grateful to all of them and even though I am happy to have my house back, I miss all the ladies (and so do my dogs!!) (The dogs are still waiting by the door each morning).
Thank you, Patricia and George." - Dee M.
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text:
From Amazon / Smashwords customer reviews:
- "Elegant, modular rule set, clearly and colorfully explained, with bonus material on the shiny bits on the ends of shoe laces, which help you thread them. Also a great way to introduce otherwise fun and interesting people to a style of gaming that has never really held any appeal for them. A bargain at twice the price."
- "The layout and content are both equally brilliant. The instructions, as well as the sample dialogue provided, are easy to understand and simultaneously highly entertaining."
When you get Daiquiris & Demigods here, you also get:
Dungeons & Dead Presidents (aka Dungeons & Dolla). Two page PDF, containing rules to replace dice with cash in tabletop RPGs.


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Why The Need of Hiring Car Accident Lawyers?
When you are involved in a vehicle accident, it is essential to get the assistance of the best vehicle crash attorney to assess your claim and aid you in recovering financially. There are lots of repercussions after accidents such as injury, loss of life, medical bills and lost wages. It's also an emotionally disturbing experience. You require an individual whom you can trust to deal with the legal consequences and protect your rights.
A vehicle accident attorney will supply you with crucial Information about all of the components of an injury you were involved in using the legal understanding they have. If you are not sure if you can afford a lawyer, you do not have to worry. A automobile accident attorney won't charge you any money until you get the compensation amount from the case. They will treat all the information you give them as confidential and you can avoid the negative impacts of financial loss and physical injury when you hire their services.
A lot of people balk when it comes to hiring the services of a car accident lawyer. Their decision is based on the premise that they cannot afford the high costs related to hiring such attorneys. Accidents can lead to serious injuries and consulting a physician will aid you in understanding the extent of the injury. The car accident lawyer will assist you in getting the right amount of compensation for your injuries which is in accordance with the law.
A lot of Individuals are in a rush to seek medical care and treat their injuries when accidents take place. They have to keep in mind that it is crucial for them to inform their lawyer then about everything which has taken place so as to get the right compensation and medical care which they deserve. They could ask about and receive extensive details concerning the reimbursement, relevant legislation and lawful rights from a skilled automobile incident attorney.
These law firms have many years of expertise in dealing with car accident cases and offer the best support to obtain the compensation one deserves. They examine your case at no cost and supply quick answers to some doubts and questions surrounding the case. The trauma that one gets following an injury is very tough to overcome, and it is vital to seek the services of a reputable car incident lawyer who has the ideal qualifications to see you during such a trying time.
Most companies will offer the services of professional attorneys who evaluate your claim so you can go ahead and get justice. They deal with the police reports, medical care, and insurance company so that you get every coin you deserve in the settlement.
Lawyers Tips for The Average Joe


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I am working in the site and using Chrome and Mozilla to view the end result...... How can this issue be fixed? See photos for issue..... First photo is how Mozilla looks when the site is set (kind of) to fit Chrome (2nd Pic) and then 3rd what Chrome looks like when the site is set for Mozilla. And why do I not see this issue ANYWHERE else in the website world? I use Homestead Sitebuilder on a desktop and have always used Mozilla as my viewing browser until recently when Google dictated httpS.


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Of everything? Have you been in touch with Paul Morrissey over the last 10 years or so? And the fact is, these movies have had a long walk. Markopoulos Day May 4,
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He has also worked in television. Hidden categories: To play a fascist in my first Italian film was not the coolest way to start off a career in Italy. In , the Andy Warhol Foundation commissioned Paul Morrissey, under the supervision of Foundation curator Dara Meyers-Kingsley, to complete the editing, based on existing notes and the rough cut.
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Welcome back, everyone, for the next guide update!
Which has been overdue for a while now. Last time, I mentioned a decline in motivation and that it's probably nothing serious, but it turned out serious and I've been back to zombie-mode for the last couple weeks. This update is comparitively short and I've focused on updating / fixing instructions.
Summary of changes
As always, read the changelog for a detailed break-down.
1.) I have re-added a number of patches to the guide. Previously they were all merged into the Final Patches, causing people confusion and questioning the instructions. Just to clarify, if I don't instruct you to download a specific file, it's not an oversight, say 90% of the time. I've added more notes all over the guide to hopefully prevent people from getting confused. Another positive side-effect from re-adding the patches is that some more mods are now optional (and more can potentially become optional in the future).
2.) I removed the MESHES separator (yes, I know I just added it). We now keep the Skyrim Particle Patch at the top of the mod order. I also went and removed the numbers from the separators (which I also only just added, sue me). It's not that much work to quickly sort them and I really disliked how they looked with the numbers.
3.) So far I've updated the guide and its patches separately which I found more convenient but I've recently been asked to equalize version numbers and I can see how that would make the versioning scheme easier to understand for the end user. From now on they'll have the same version name and I'm removing the Files page to put the changes documented there on the main Changelog page.
Updating from 2.6.1
- Re-download: all three patches and the separator packs
- As mentioned, the MESHES separator was removed.
- The WORLD MAP separator was moved to the bottom below the DISTANT TERRAIN separator.
- Mod Order: All mods previously grouped below the MESHES separator were moved below the LIGHTING OVERHAUL and RETEXTURES – MISCELLANEOUS separators. Please check the Mod Order page to correct your mod order.
- zEdit: The tool was recently updated. Make sure you have the latest version (0.6.4) set up and configured, then re-create all four merges:
- For everything else, please check the changelog.
Water Seams
There have been multiple cases of water seams – that is mismatched distant water – and most of them were caused by a wrong load order. It is imperative that the official Conflict Resolution Patches are loaded absolutely last. To fix those seams, you need to forward two records in xEdit. There is a tutorial (well, four pictures) on Discord (#faq channel) and if you need help with that, just ping me. THERE IS NO NEED TO REGENERATE DYNDOLOD.
Please note that Skyland Watercolor apparently causes some seams or makes them more pronounced.
The recent release of Automaton (and it's connection to BelmontBoy's Classic Skyrim mod pack ULTIMATE SKYRIM) has caused a good deal of controversy on the skyrimmods subreddit. My personal opinion is that Automaton is a brilliant solution to a – so far – unsolved problem and might finally enable true Skyrim mod packs. Right now it is still quite barebones with many features planned.
To the drama surrounding it, I can only say that certain parts of the modding community love to throw themselves at anything that is simply new and condemn it for any reason they can come up with. The outrage is absolutely ridiculous and so is the entitlement of the mod authors demanding a way to exclude their mods from being used in Automaton mod packs. This is what killed Mod Picker. If you publish a mod on the Nexus, you cannot forbid anyone from sharing the link. And that's what we're talking about. Sharing the link.
As for whether or not Automaton could be used to turn TPF into a mod pack, the short answer is No or at least Not yet. Like I mentioned, the Automaton team is planning many more features and in its current state it cannot do much to simplify the guide installation beyond automatically downloading mods. I am certainly keeping an eye on its development and I will get in touch with the creators as well but for the time being I will not adapt it for the guide. That being said…
Nathan – whom you might know from Lexy's LOTD team – has contacted me to let me know he's working on a mod pack version of the TPF Core Module as proof-of-concept. I have agreed to collaborate with him and support the project on the website here with an alternative version of the Core module, utilising his Automaton pack. This is all very recent so don't expect a release within the next couple days. For my part I have to say I'm honoured he chose TPF to create a pack from and looking forward to the collaboration!
And this is all I have for your with this update!
I realise it's quite small and little progress overall was made, but I'm still not doing too great and maybe this will be the stepping stone to really get into working on the guide again. I do have a couple more exciting ideas planned and I'll be back in a few days with a new blog post to talk about that.
Enjoy your Easter holidays if you do celebrate and, as always, happy modding!


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Heliopolis War Cemetery Egypt
There may be additional content elsewhere such as in our Photo Gallery and Forum.Displaying 1 - 1 of 1
SHIELDS, Ronald Francis
51ME Commando
Lance Sergeant Ronald Shields, 'D' Squadron, died from burns received from an accidentally ignited petrol drum thrown up on the beach by sea at El Rakham Bay.
Middle East Depot Commando War Diary Jan to June 1942 entry for 10th May.
National Archives file WO 218/159.
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November 13, 2012, LANGLEY, British Columbia – Both the No. 1 Trinity Western women's volleyball team and No. 2 men's volleyball team completed weekend sweeps of Thompson Rivers this past Friday and Saturday and, with that, both moved to 5-1 on the season and maintained their positions in the latest CIS Top 10.
The Spartans basketball, swimming and cross country teams remained unranked.
The Spartans women's volleyball team, which has been atop the national rankings since the opening weekend of the season, beat TRU by decisive 3-0 score lines on both Friday and Saturday to improve its current win streak to five matches. Trinity Western will look to continue its early season roll when they take on unranked Saskatchewan this Friday, at 6 p.m., and Saturday, at 5 p.m., at the Langley Events Centre. Both games will be streamed live at www.canadawest.tv.
The Spartans men's volleyball team, which has been No. 2 in the CIS Top 10 since the opening weekend after starting at No. 1 in the initial preseason poll, beat No. 9 TRU 3-1 Friday and 3-0 Saturday. Like the women, the men now are riding a five-match win streak and will look to build upon that when they host No. 7 Saskatchewan Friday, at 8 p.m., and Saturday, at 7 p.m. at the LEC. Both games will be streamed live at www.canadawest.tv.
Trinity Western's men's basketball team remained unranked after splitting with Northern British Columbia on the weekend, losing Friday 109-87 but bouncing back to win Saturday 103-100 in overtime. The Spartans (1-3) will travel to Victoria this weekend to play the No. 10 Vikes Friday at 8 p.m. and Saturday at 7 p.m. Both games will be streamed live at www.canadawest.tv.
The Spartans women's basketball team (0-4) dropped a pair of tough road loss to UNBC, falling 73-67 Friday and 62-54 Saturday. Trinity Western will look for its first win of the season when it plays No. 8 Victoria this Friday, at 6 p.m., and Saturday, at 5 p.m. Both games will be streamed live at www.canadawest.tv.
In the final cross country rankings of the year, which represents the order of finish at the CIS championships, the Spartans were unranked after the TWU women finished 13th and the men finished 14th at nationals. A few members of the Spartans teams will compete at the Fraser Valley Ramble in Abbotsford Nov. 18 while others prepare for the Canadian Championships in Vancouver Nov. 24.
Trinity Western's swimming teams did not compete this weekend but will be back in action Nov. 19-20 at the Langley Olympians Swim Club Invitational.


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Nation's Fire
Nation's Fire is a movie starring Bruce Dern, Gil Bellows, and Lou Ferrigno Jr.. When tragedy strikes, a single mother is forced to seek the help of her former bike club in her quest for revenge.
Actor: Bruce Dern, Gil Bellows, Lou Ferrigno Jr., Kristen Renton
Director: Thomas J. Churchill
Country: USA
Duration: 85 min
Quality: HD
Release: 2019


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Maxi Curran says Donegal's ladies must treat every game from now like an All-Ireland final.
Curran has backed the Donegal ladies to have a lasting run this summer as they prepare to face Tipperary in Castlerea on Saturday.
Ulster champions Donegal are grouped with Tipp and Kerry in the group phase, with the top two qualifying for the All-Ireland quarter-finals.
"The way it's structured the consequence of not finishing top would be to play Dublin," Curran noted.
"That's a severe cost, but all we have to do is concentrate on Tipperary for now and then Kerry.
"We've been a long time without a game, five weeks. We've to come down from that high of winning Ulster to coming into this now.
"We can't take anyone for granted. Tipperary are a serious outfit and they were quite unlucky to lose to Kerry last weekend. We know it's do-or-die for them and a relegation play-off is the last thing that they'll want."
Listen to the full interview below …Tags:


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JoAnn Falletta and the London Symphony Orchestra must be especially singled out for their compelling rendition of this work. The manifold tempos (and their relationships to each other) in this work seem absolutely compelling to my ears, and the orchestra turns in an impeccable performance. I have to say I consider this symphony to be one of the 10 greatest such works ever written by an American composer, and also one of the 10 greatest written by any composer in the last 50 years. © 2017 Fanfare Read complete review
This is a symphony of major proportions and content, one of the finest to come out of America for a long time. A beautiful tapestry of orchestral sound. A real outpouring of orchestral beauty. Gallagher has a strong sense of form as well as a real ear for instrumental colour. There are some spectacularly fine woodwind arabesques. Some most glorious orchestral textures. (Quiet Reflections) is a most lovely work. JoAnn Falletta draws first class performances from the London Symphony Orchestra who receive a very fine, detailed recording that reveals all of Gallagher's fine orchestration. There are excellent booklet notes from the composer. (An) excellent new disc. © 2015 The Classical Reviewer Read complete review
Jack Gallagher's captivating Symphony No. 2 is quite simply one of the most powerful and moving symphonic statements I have experienced from a work composed in the 21st century. © 2015 Fanfare Read complete review
A signal achievement. A resplendent, hour-long work that scarcely flags in energy, never wants for inventive themes, and uses all the resources of the modern symphony orchestra with skill and ingenuity.
JoAnn Falletta leads tight performances of both works. This recording shows the orchestra off with transparency and presence. The many wind and brass solos are elegantly played.
American symphony orchestras should make haste to program Gallagher's second symphony. Think of it as Mahler without neuroses. What an attractive idea! © 2015 ClevelandClassical
A work of staggering, unending brilliance, abundant in both creativity and technical finesse. On top of that, the LSO turns in a virtuoso performance that renders Gallagher's opus in all its dynamic, volatile, colorful glory. © 2015 Cleveland Plain Dealer Read complete review
It's hard not to be won over by the prodigious energy, long-term thinking and melodic fecundity of Gallagher's exuberant inspiration, to say nothing of the breathtaking skill and swaggering confidence with which he handles his forces. JoAnn Falletta directs with contagious dedication and encourages the LSO to give of its considerable best; indeed, these players would appear to be having a ball, with standout contributions from the flute and horn principals in particular. Phil Rowlands, too, can be proud of the splendiferously sumptuous, detailed and wide-ranging sound he has achieved within the helpful acoustic of Blackheath Concert Halls. In other words, if you like the sound of all of this, don't hesitate for a moment. © 2015 Gramophone Read complete review
Unmistakably late-to-post-twentieth-century in idiom. The first movement is active and full of character. Rhythmic gestures, whirling figures and repeated-note patterns…provide a bounding rhythmic impetus. (Quiet Reflections) grows cautiously affirmative, adding whirling woodwind flourishes. It's lovely. (JoAnn Falletta) shapes the music with a (literal) sure hand. Even if you think you're allergic to "new music", give this a listen. © 2015 MusicWeb International Read complete review
Jack Gallagher's Symphony No. 2 is quite simply, a knockout. One of the most powerful and moving symphonic statements I have experienced from a work composed in the 21st century. The first movement opens with an explosion of rustling, nervous energy that immediately made me think of Bartók's The Miraculous Mandarin. The finale…(overflows) with attractive ideas and brings the entire symphony to a thrilling and convincing conclusion. Quiet Reflections…(exhibits) gorgeous intertwining melodies, lush harmonies, and ear-caressing orchestral colors. Falletta projects a clear vision of the two works. This disc makes an extremely powerful statement and stands as a glowing testament to Gallagher's creative art. Highly recommended! © 2015 Fanfare Read complete review
A major contribution to the 21st-century symphonic literature. The music is indeed uplifting, even ennobling. The London Symphony Orchestra…plays spectacularly well and beautifully for JoAnn Falletta. I'd love to see a new symphony as significant…as this, composed by an important American symphonist, taken up by a major American orchestra. Put this new Naxos release right at the top of your shopping list. © 2015 Fanfare Read complete review
(Striking) directness and beauty, a combination not universally embraced in contemporary music. The composer…often makes his points through subtle gesture and meticulously wrought detail or counterpoint. Quiet Reflections, (is an) absolutely exquisite gem of a work. The extraordinary musicians project the music with great feel for idiom and intent. The engineering is no less impressive. © 2015 Fanfare Read complete review
Any music student would kill to learn orchestration from Gallagher. His writing for orchestra is assured, imaginative, and exciting. Orchestras love working with material as well crafted as this. A great deal of my enthusiasm is due to the rich, characterful playing of the LSO under the direction of JoAnn Falletta. Recording quality is vivid and realistic; kudos to producer Tim Handley and engineer Phil Rowlands. Works such as Gallagher's Second Symphony and Quiet Reflections need to be recorded, heard repeatedly, and "learned." I would eagerly attend any concert that programmed this symphony in place of yet another Tchaikovsky Pathetique. © 2015 Fanfare Read complete review
Expertly scored, exuberant music. The sheer exuberance of the final measures of the first movement certainly seems to imply a joy of life itself. The scoring is masterly, with myriad deft woodwind touches in particular. Gallagher seems absolutely at home with such a large-scale structure. One wonders whether the performers were given a luxury amount of rehearsal time, so tight is the ensemble. All credit to JoAnn Falletta for presenting Gallagher's scoring so effectively. World premiere recordings…fully deserving of attention. The recording, too (by Tim Handley and Phil Rowlands), is top rank. © 2015 Fanfare Read complete review
This is my first encounter with (Gallagher's) music and I want to hear more. Certainly this release graces Naxos's American Classics series with distinction. Symphony No. 2 seems remarkably spontaneous, free-flowing from the pen of a quick-thinking and assured creator. There is an attractive fluidity to this music. The ideas are inventive and thoroughly well developed. The varied and brilliant scoring is deftly impressive, keeping the ear entranced. The music…reach(es) its aspiration in pulsating and thrilling terms. With the LSO in top form and with a notable rapport with JoAnn Falletta…, recorded sound that is vivid, and with the composer in attendance, this can be counted as definitive performances of both works. © 2015 Classicalsource.com Read complete review
An epic character and heroic sense that bespeak a deep expressive manner. This is a big work with a purpose and colorful personality, almost taking on a whole world of expression. He is one of the more original contemporary composers you're likely to encounter. The symphony's twenty-minute first movement, marked Boldly, bristles with energy. The development section is quite imaginative in its colorful orchestration and handling of the thematic materials. JoAnn Falletta seems to have a total emotional and intellectual grasp on Gallagher's style. The London Symphony Orchestra plays with great commitment and spirit for her. The sound reproduction is excellent. The symphony may well stand alongside some of the better ones by American composers from previous generations. Gallagher…may well come to be regarded as one of the more important American composers from the turn of the century era. © 2015 Classical Net Read complete review
A world-class orchestra and conductor. The results are stunning. JoAnn Falletta and the London Symphony Orchestra perform with assurance, bringing out all the expressive energy of the music. (Gallagher's) first-hand practical knowledge of the orchestra is apparent in his scoring. Quiet Reflections deserves…serious airplay. © 2015 WTJU Read complete review
What better way to present a new work than with a world-class orchestra and conductor? Jack Gallagher's second symphony gets such a treatment, and the results are stunning. JoAnn Falletta and the London Symphony Orchestra perform with assurance, bringing out all the expressive energy of the music. © 2015 WTJU Read complete review
Stunning premiere recording of a work that can proudly take its place among the great American symphonies. Another winner from JoAnn Falletta! © 2015 Hawaii Public Radio
Jack Gallagher's series continues with this monumental and splendid Second Symphony.
[He] is fortunate to have to advocacy of one of the best conductors in the world today, JoAnn Falletta, at the helm of the splendid London Symphony. Definitely a keeper! This is a true "American Classic"—let's hope Naxos realizes this composer's importance, and continues on… © 2015 Audiophile Audition Read complete review
A state of the art recording. A front to back recording with immense depth and detail. A very fine symphony. It should have a well deserved success. Quiet Reflections is an éclatant success, as is the whole CD. © 2015 Harry's classical music corner Read complete review
…JoAnn Falletta's commitment to modern orchestral repertoire is exemplary. It is beyond rare for a major symphony to tackle a new work of this magnitude and with the resulting level of excellence and interpretation one gets with the London Symphony Orchestra. This is another great release in Naxos's continuing support of modern American music and an accessible new symphony worth one's time. A wonderful introduction to a great symphonic American voice. © 2015 Cinemusical Read complete review
…Jack Gallagher's new symphony is a masterpiece. Quiet Reflections is also a very satisfying piece, and aptly named.
Quiet Reflections is downright beautiful.
This CD has earned my highest recommendation. © 2015 Classical Net Read complete review
Jack Gallagher's immensely likeable music is the antithesis of the modernist group of composers, and comes in direct lineage of the melodic music of yesteryear. There is something of his mentor, Aaran Copland, in the big and bold sweep of the Second Symphony completed in 2013, its subtitle 'Ascendant' referring to, as Gallagher's sleeve note makes clear, 'the elevated aspirations of the human spirit', with each of the movements headed by a general title as to its contents. Lasting over an hour and, with a first movement of twenty minutes, it is in scope, a throwback to the late Romantic era, though its content has an element of Nordic symphonic works from the early 20th century, with Hollywood becoming curiously involved. A skittish scherzo leads to a flowing and lyrical slow movement that has a feel of the charms of the countryside as it meanders through open space with flute sounds that Messiaen would have used to capture bird song. The finale almost stands alone in its volcanic outbursts, and calls for playing high on impact. It much contrasts with the often meditative 1996 score, Quiet Reflections, that would sound equally convincing with a chamber orchestra. The inspirational JoAnn Falleta, who conducted the highly praised previous Gallagher release, directs the London Symphony who play the whole disc with a feeling of total familiarity, though this is the world premiere recording of both works, and one presumes it is also the first time the symphony was played. The sound quality is superb. © 2015 David's Review Corner
Pulse-jumping orchestral works. (Gallagher's) strengths make a tremendous and rich use of the brass. His brassy "Ascendant" symphony is paired on this CD with a work that is bound to be very successful, due to its melodic accessibility and its short length. © 2015 The WSCL Blog Read complete review
…conductor JoAnn Falletta and the London Symphony Orchestra give a splendid account of this music. Her careful attention to dynamics and phrasing brings out all the emotional impact of these effusive scores without any histrionics. © 2015 Classical Lost and Found Read complete review
"Ascendant" has a strong reference to symphonic roots, and is a factotum of a certain type of expression that modern criticism has forgotten. Gallagher may be considered one of the best exponents of a language that unites heart and brain. © 2015 Percorsi Musicali Read complete review
The new disk if anything shows an even more masterful Gallagher, tackling a long-form symphony with good ideas, orchestrational brilliance, and a cohesive sequencing worthy of your attentive ear.
As before JoAnn Falletta and the London Symphony are well-disposed toward the works. They give us expressive, enthusiastic and well-balanced readings of both pieces. Their hearts and minds are open to the music and they respond with disciplined elan. Falletta excels with this sort of thing, certainly!
This is an ideal place to begin with Jack Gallagher if you haven't previously experienced his music. It is very worth your attention in any case. © 2015 Gapplegate Classical-Modern Music Review Read complete review
Like the first symphony, this is a bold, opulently orchestrated tonal work charting a neo-romantic struggle-to-resolution, or darkness-to-light trajectory, hence at least in part the title 'Ascendant'. © 2015 Records International Read complete review
It's not so common to hear full-orchestra works from American composers not associated with major symphony orchestras, making Gallagher's Symphony No. 2 ("Ascendant"), composed between 2010 and 2013, a welcome novelty. The work is full of brilliant brass and wind writing, alternating with quieter episodes and put together into simple but effective arch and basic sonata shapes. The writing is virtuosic enough to require a top-notch ensemble, and the London Symphony excels here, likely because of the presence of American conductor JoAnn Falletta, a specialist in just this sort of thing. The symphony builds and maintains stretches of considerable excitement, and it would be ideal for orchestras trying to program contemporary works with audience appeal. The curtain is rung down by the accurately named Quiet Reflections (1996). © 2015 AllMusic.com Read complete review
JoAnn Falletta and the London Symphony Orchestra handle Quiet Reflections with emotional surety and particularly fine attention to nuance—of which this work has a considerable amount. Gallagher's "Ascendant" symphony also bears his personal stamp…[it] is clearly constructed and well-crafted, and very well-played… © 2014 Infodad.com Read complete review


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Pipeline construction
Creating qualified connections
In order to ensure the provision of production machines and the required media at any time, a safe and reliable inlet- and supply concept is required.
Pipeline construction for us means not only piping from A to B, but we consider it a foundation stone for a secure production.
Due to the long-time expertise out of having already laid hundreds of kilometers of pipelines, from the smallest diameters for compressed air and acids through to nominal widths of over 2 meters for exhaust air lines, our employees ensure a smooth supply of your machine park.
Sophisticated support- and insulation concepts ensure that the durability and cost-effectiveness of your investments will be considerably increased.
Independent from whether you require a lay-out of single- or double-walled stainless steel, plastic- or steel pipes (optionally rubberized or with PTFE coating inside), above or below the earth's surface, we are always the right partner at your side.


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Counselling Vancouver - Motivational Interviewing Counsellors, Psychologists, Therapists in Vancouver, East of Cambie St.
Port Moody, East of Cambie St.
Counselling Port Moody contains information about counsellors, psychologists, and therapists in the Port Moody area. These counsellors, psychologists, and therapists may assist individuals, couples and/or families. As is typical with trained counselling professionals they may vary in their areas of expertise. Many will be able to provide anger management counselling, depression counselling, anxiety counselling, marriage counselling, and trauma counselling.
Explore the information within the counselling listings for Port Moody to get a better sense of which counselling professional might be a match for you.
Port Moody consists of the following neighbourhoods:
College Park: Harbour Heights, Glenayre, Seaview
North Shore: Heritage Mountain, Twin Creeks, Noons Creek, Mountain Meadows, Heritage Woods
Coronation Park, Inlet Centre, Ioco, Moody Centre, Pleasantside, April Road
If you want to search a nearby city then click on the check mark for Port Mooday to unselect it and choose another city.
Motivational Interviewing, Relaxation Therapy
Motivational Interviewing is a short term treatment approach, which is specifically aimed at strengthening the client's commitment for, and motivation to change. This approach is widely recognized and is used in a number of applications, including substance abuse, rehabilitation, social work, criminal justice, schools, coaching and in health promotion.
During a Motivational Interviewing session, the therapist will make sure that the client feels understood and supported. The therapist will also assure the client that his or her emotions are normal and expected, in anticipation of the great changes ahead. The key to Motivational Interviewing is to juxtapose the client's goals and behaviours that may stand in the way of success. Motivational Interviewing can help a client recognize behavioural issues that are not conducive to success.
If you are looking for a therapist who offers Motivational Interviewing, please browse our list of practitioners below..
Relaxation Therapy, used therapeutically, relieves stress, manage symptoms of anxiety and improve sleep. Applied correctly and practiced frequently, relaxation therapy can improve a person's general well being.
The waking mind is constantly active, with thoughts swirling through it at an alarming rate. The mind remains active during sleep as well, and that is why people often wake up feeling tired. Restful sleep is needed for the mind to be relaxed and for the body to be healthy.
Relaxation therapy quiets the mind, allowing thoughts to flow smoothly, at a level rhythm that induces relaxation. A well-rested mind is rejuvenated, even while at sleep. Rest and relaxation improves overall health, boosts the immune system and helps the body to fight stress and anxiety to improve a person's quality of life.
If you are looking for a therapist who offers Relaxation Therapy, please browse our list of practitioners below..
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When snorkeling at Kua Bay on the Big Island of Hawaii, or hiking the coastal trails at Kaloko–Honokohao National Historical Park north of Kona, you will likely be graced by the presence of the Hawaiian Honu, or Green Sea Turtle (Chelonia mydas). When hypnotized by their sleepy doe-eyes, take note. You are looking back 150 million years in time into the lens of a reptilian survivor from the age of dinosaurs.
The Hawaiian Green Sea Turtle is the only indigenous reptile found in Hawaii, but for Hawaiians, the Honu is a symbol of good luck in the form of a guardian spirit, or Amakua. The Honu pattern is depicted in ancient petroglyphs as well as in modern graphic form. For Hawaiians then and now, the Honu represents the navigator, and the eternal link between man, the land and the sea. One Hawaiian legend tells of a large Honu, Kauila, who would transform into a human girl and served as protector of the Keiki (children) playing along the shore of Punalu'u Beach.
Since listed as a "threatened" species in 1978, the Green Sea Turtle population has made a comeback. Before protection, their decline in numbers came primarily from over fishing. Today the fishing has nearly ceased, but from the moment the eggs are laid, the baby Honu must survive predation by birds, animals and the affect of environmental hazards. If they make it to the sea, the dangers are still abundant; sharks, marine debris, tainted algae, and propellers.
After 25 years of basking on lava, floating along coastal tidepools, and munching on their diet of algae or Limu, the Honu reaches maturity at about 200 pounds. The Honu then begin the arduous, 800 mile journey to the North Western Hawaiian Islands to mate. If they survive this migration, Honu may live up to 100 years , however their exact lifespan is unknown.
To swim with a turtle is magic. To watch them bask in the sun is calming. During your encounters, kindly remember to keep your distance so the Honu remain undisturbed. Enjoy the gentle grace of the Honu who have inhabited this place long before humans. At Holualoa Inn, our Innkeepers will point out prime viewing spots around the Island, depending on your days' excursion. Just ask!


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Let's get this party started!
The stages, the booths and the rides are all nearly set up and ready for operation — and the folks at the International Rice Festival Office are looking forward to getting a chance to relax and enjoy the opportunity to observe their finished product.
With some of the forecasts predicting rain for this weekend, there are many crossed fingers as well.
"I know that there is a dance that is supposed to bring rain, but does anyone know one that keeps it away?" asked a smiling Roxie Viator. "Festival is definitely in the air around here."
With thousands of people expected to fill the streets of Crowley on Friday and Saturday, it will obviously take more than a little rain to stop this weekend's party.
Crowley Mayor Greg Jones is looking forward to welcoming those coming in from out of town as well as the local Rice Festival veterans.
"I want everyone to come to town to renew their old friendships and create new ones," said Jones on Wednesday. "I would just like to ask that they use good judgement and enjoy the food and the music."
With returning acts such as the Grammy Award-winner Wayne Toups and Geno Delafosse hitting the stage, as well country music artist Neal McCoy and the Southern University Marching Band appearing this weekend, one would be hard pressed to avoid the good music this weekend.
As far as the food is concerned, all anyone needs to do is walk along the dozens of vendors that will be lining Parkerson Avenue this weekend to find something more than suitable for their tastes.
The crowning of the 77th International Rice Festival queen will be at 10:40 a.m. on Saturday, with the competition set to begin at 9:45 a.m. In case of rain, contingency plans would be to hold the event in the Rice Theatre, located at 323 Parkerson Ave., as opposed to the Cajun Country Rice Stage (main stage) where it's normally held. Twelve beauties will be vying for the title this year.
The children's parade, with Dolores Nutt serving as Grand Marshal, is scheduled for 1:30 p.m. on Friday. District 42 State Rep. Jack Montoucet will be serving as Grand Marshal for the Grand Parade, which is set to run at 3 p.m. on Saturday.
The music will continue until midnight Saturday night, after which time the 77th International Rice Festival will wind to a close.
... And the planning for next year begins.


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A chant sung by Wrexham fans about Kyran Darlington.
Oh matthew dowell you are the love of my life! Oh matthew dowell ill let you s**g my wife! oh matthew dowell I want a pig nose like you!
Votes: 27
Submitted by: Anon on Wednesday 11 September 2013 at 08:28
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E3 2016 | Ubisoft @ E3 2016
I got the chance to run around the stunning Ubisoft booth with my camera and put together some cool, regretfully not on my tripod footage! But either way, you can see the incredible work that went behind this years Ubisoft booth.
All of the cool things you see are thanks to Ubisoft and the For Honor team, as well as everyone involved.
Stay tuned for updates from this years E3 Expo with Ubisoft Canada and For Honor!


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Composer–conductor Thomas Adès is giving a series of concerts with the Concertgebouworkest. It's the perfect opportunity to get acquainted with this versatile Brit and his sensational music. On this programme, he is also conducting colourful works by Janáček and Busoni.
Thomas Adès has composed many a musical surprise, varying from hilarious opera to horror-like orchestral works. His compositions are always accessible and compelling, but also sharp-edged. Affable music can suddenly take a nasty turn, while peace is often merely the calm before a fierce storm. 'Adès knows that the distinction between "classical" and "new" music has become untenable,' wrote a UK newspaper. In Amsterdam, he will be conducting the Dutch premiere of the fascinating piano concerto which he recently composed for the Russian–American pianist Kirill Gerstein.
When Adès conducts, his programmes generally feature less common works alongside his own compositions. In this case, the works emphasise the Romantic aspects of his own music. Leos Janáček's fanfare-like Sinfonietta is one of those pieces which sounds fresh and new every time it's performed. Unlike the Sinfonietta, his 'ballade for orchestra' The Fiddler's Child featuring a solo violin part is not at all well known. The programme also features the very first work by the captivating neoclassicist Busoni ever to be programmed by the Concertgebouworkest.


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F*** drugs
I'm beginning to get addicted to meth but I think I'm more addicted to the person who's giving it to me...
3 Comments
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Dont mistake the desire for the person as the desire for the drug. im a recovering addict (heroin), and ive met so many people who got introduced to the lifestyle/drugs simply becaise the person they were with was an addict.
Please dont use just as an excuse to see/fit in/hang out with someone
Thanks for your confession. i have never understood drugs, so i can't really help you :(
Get away from the person and the drug ASAP. You will not regret it. Simply put your in a life or death situation, I'd go with life.


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Cheer loss control news
Vol. 1, 2019
Topics in this issue include:
- Cheering for concussion awareness
- Discounted background check services
Cheering for concussion awareness
Concussion awareness continues to be an important component of any youth sports or program activity. Knowing how concussions occur, signs and symptoms, along with precautionary steps, your program can take are vital to a successful concussion management program. Most often, concussions are associated with contact sports such as football, soccer, and basketball. Cheer programs also have concussion exposures.
Discounted background check services
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The information provided in this article is intended for general informational purposes only and should not be considered as all encompassing, or suitable for all situations, conditions, and environments. Please contact us at firstname.lastname@example.com or your attorney if you have any questions. The article may not be linked to, copied, reproduced, republished, posted, or distributed in any way by non-policyholders of Markel®, without permission.