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Options For Saving For A House
Saving for a house is a lengthy process. With the median home price of $221,000 a 10% down payment is $22,000. Coming up with that amount of money is no easy task. And that is only 10%. If you save up for a 20% down payment, you are looking at over $40,000! It's no wonder that saving for a house is the hardest part of the home buying process. Here are a handful of ways to help make saving for a house easier and some things to keep in mind to stay on course.
5 Tips For Saving For A House
Use Windfalls To Boost Savings
Everyone gets windfalls – tax refunds or a work bonus – throughout the year. The question is what do you do with this money? If you are like most, you spend it and then wonder that happened to it after that fact. If you want to buy a house, saving these windfalls of money will make a huge difference in how long you have to save for.
Take for example the typical tax refund of $2,500. If you put that in a 2 year CD that earns 1.25%, you earned $63 in interest. While that doesn't sound like much, if you just keep it in a savings account you are looking at just $30 in interest.
Now let's add in an additional $5,000 bonus you get from work. If you put that money in the same CD, you earned just shy of $200 in interest in those 2 years.
Find Ways To Make Extra Income On The Side
Aside from windfalls, look for ways to make extra money on the side. In the past, this typically meant getting a part-time retail job that paid $7 per hour. You can do much better than this.
Today, there are all sorts of ways to cash in on your hobby. You can use sites like Etsy to sell things or Fiverr to provide services to others.
Of course, you could do other things too to make extra money: mow lawns, dog sit or walk, rent out rooms in your house; these are just a few ideas. You can read this post for many more.
Earn A Return On Your Savings
Keeping the money you are saving for a house in a basic savings account isn't the best move you can make. Instead you should look into a high yield savings account and bank CDs.
Here is your plan: start out by putting money into the high yield savings account. Once you get a few thousand dollars saved up, you can start looking into CDs. Before you move any money, just make sure you review what the interest rates are. As of this writing, some of the shorter term CDs are paying less than the high yield savings account, so it won't make sense to move money into a CD.
But, if interest rates change, this strategy can make great sense. You will want to build up a CD ladder. Open up a 6 month, 1 year, 18 month and 2 year CD. All of the interest rates will vary which is the plan. You are looking to take advantage of interest rates. When the 6 month or 1 year CD matures, you can roll the money over into another 6 month or 1 year CD.
Of course you will want to take into account how long you plan to save for before buying a house. You don't want to open a CD that will extend beyond this period because you will pay a penalty for cashing in the CD early.
Let's look at how this strategy could look like. Let's assume you have $6,000 saved so far. You open up 3 CDs with $1,000 each and leave the rest of your money in the bank account. At the end of two years here is how things look:
By using CDs and the savings account, you were able to earn $4 more in interest. Not a lot, but if interest rates are working in your favor, this could be a great strategy to earn more interest.
Review Your Expenses
It goes without saying that you need to review all of your expenses and cut out those that you no longer need. You have to really work on cutting expenses here so that you can free up as much money as possible. Remember, the more you save, the more compound interest can work in your favor. This means the sooner you can buy your house.
I tend to start with the larger expenses: insurance, groceries, etc. and work my way down to the smaller expenses. I do this because I can save more with the larger expenses than with the smaller ones. For ideas to cut your smaller expenses, be sure to look into my eBook, Spare Change, which offers over 150 money saving tips.
Use Spending Tricks To Save More Money
You won't be able to cut out all of your monthly expenses. With those that you can't cut out completely, you can use spending tricks to help you save a little more money.
One trick that I love using is the grocery trick. When I go grocery shopping, the amount I saved by using coupons and by buying things on sale is listed on the bottom of my receipt. When I get home, I take that amount out of my checking account and move it over to my savings account. When I complete my budget, I enter in the total grocery amount I spent, including this savings amount.
It sounds small but on average I save about $20 per grocery trip. That's $80 a month or close to $1,000 a year.
Another trick I use is to use a cash back credit card. All of the cash back I earn on the card goes directly into a savings account. To eliminate the chances of overspending, I only use the card for groceries and gas.
The money I earn from the cash back card averages around $300 a year. If you would average the same amount over 3 years, you would have an extra $4,000 for your savings for a house.
Staying On Course
As I mentioned at the beginning of this post, the time it takes when saving for a house can cause many to venture off track. To help you stay on track, I offer you three tips:
Visualize: The first is to visualize your goal. Close your eyes and picture life in your new house. The more you can visualize your goal, the more likely you are to follow through and reach it.
Celebrate: Find ways to celebrate mini-milestones along the way. If you are trying to save up $20,000 then have a mini-milestone celebration when you reach $10,000. Go out to a nice dinner. You can even set up other mini-milestones along the way. Maybe you celebrate at $5,000 as well. Do whatever it takes to help you stay on course.
Ignore It: Not the goal, but the money in your bank account. I have a special account where I save up random money I come into throughout the year. Usually it's $10 here or $20 there. It doesn't seem like much, but every year end, I have about $1,500 in this account and am blown away that I have this much money. So stop looking at your account balance every day. Just make it a point to save as much as you can and put the money into your house fund. When you do look at the account, you will be surprised at how much you have amassed.
Final Thots
If you follow these ideas for saving for a house, you will see your goal through to the end. The process is long and sometimes you will want to give up and quit. But if you push through these trying times, you can save up enough for a down payment. After all, many people have saved up enough for a down payment. You can too.


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Fawad Khan is a Pakistani actor, model, and singer who appears in Pakistani films and television dramas and Bollywood films. He was born on 29 November 1981.
Fawad was born on 29 November 1981 in Karachi, Pakistan. And his father was born in Patiala, British India and moved to Pakistan at a young age following the 1947 partition. When he was young, Khan's father was in pharmaceutical sales, which required the family to live abroad in Athens, Dubai, Riyadh, and then in Manchester during the Gulf War. The family moved back to Lahore when he was aged 13. He has two sisters Aliya, who is an architect and Sana who is a doctor.
He has done A-Levels from Lahore Grammar School (LGS) and a Bachelor's in Computer Engineering from the National University of Computer and Emerging Sciences (NUCES), Lahore.
Khan started his showbiz career as a singer in 2001 by joining the rock band 'Entity Paradigm' along Ahmed Ali Butt. Fawad sang many hit songs with this band such as 'Rahguzar', 'Bolo Bolo', 'Shor Macha', 'Waqt', 'Agosh' and many more. Khan left the band in 2012 to focus on his acting career.
In July 2017, Khan returned to music appearing as a judge on the talent shows Pepsi Battle of the Bands, which also featured Atif Aslam and Meesha Shafi.
In 2007, Khan made his Lollywood debut by playing a supporting role in the film 'Khuda Kay Liye'. After that, he appeared in many Pakistani movies including 'Maula Jatt 2', 'Albela Rahi' and 'Ho Mann Jahaan'.
He made his Bollywood debut by playing a leading role in the film 'Khoobsurat' for which he won 'Best Male Debut' award by Film Fare Awards. Some other hit Indian movies of Fawad 'Kapoor & Sons' and 'Ae Dil Hai Mushkil'. He has worked on some super hit TV serials including 'Numm' of Geo TV, 'Humsafar' and 'Zindagi Gulzar Hai' of Hum TV and television films too including 'Armaan' and 'Behadd'.
He met his wife-to-be Sadaf Khan in 1998 at the age of 16 and proposed her. They married after seven years of dating in 2005.
Fawad Khan Age 37 Years old and Height 5 ft 10 in (178 cm) and Weight 69 Kg (152 Pounds). He has Black Color Hair and Dark Brown Color Eye.
|Mikaal Zulfiqar wiki & Bio
|Real Name
|Mian Muhammad Mikaal Patras Aziz Zulfiqar
|Mikaal Zulfiqar
|Actor, Model
|5 September 1981
|Date of Birth
|37 Years
|London, United Kingdom
|Pakistani and British
|Film Debut: Godfather (2007),
Drama Debut: Saiqa (2009)
|Height, Weight & Body Measurements
|Height in Centimeters
|178 cm
|Height in meters
|1.78 m
|Height in Inches
|Weight in Kilograms
|Weight in Pounds
|165 lbs
|Body Measurements
|40-36-14 Inches
|Chest Size
|40 Inches
|Waist Size
|36 Inches
|Biceps Size
|14 Inches
|Eye Color
|Hair Color
|Dark Brown
|Family and Relatives
|Not Known
|Not Known
|Jamal Andreas Zulfiqar
|Not Known
|Affairs, Girlfriends and Marital Status
|Marital Status
|Not Known
|Wife/ Spouse
|Sara Bhatti
|Not Known
|Two Daughter
|Education and School, College
|Educational Qualification
|Lahore Lyceum
|College/ University
|Bahria College Karachi
|Favorites Things and Like & Dislike
|Favorite Actor
|Abid Ali
|Favorite Actress
|Sanam Jhung, Bushra Ansari
|Favorite Color
|White, Grey
|Favorite Food
|Desi Food, Rice,Pizza,Chicken
|Favorite Movie
|Jodhaa Akbar
|Travelling, Playing Video Games
|Money Factor
|Net Worth
|8 Million
|2 Lac
|Contact Address
|House Address
|Not Known
|Phone Number
|Not Known
|Email Id
|Not Known
|Not Known
|Social Media

subset: commoncrawl


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https://www.luxuryandbeachrealty.com/wp-content/uploads/2018/09/gypsy.png 613 1200 admin https://luxuryandbeachrealty.com/wp-content/uploads/2015/05/logo.png admin2018-09-13 16:34:002018-09-13 16:34:00Gypsy Soul Coffee is Now Open in St. Pete!
Gypsy Soul Coffee is Now Open in St. Pete!
Gypsy Soul has opened their second location in St. Pete. Their first location is in Redington Shores and their new location is open at: 515 Dr. MLK Jr. St. St. Petersburg.


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Apartamento Nisamar 1E
We are specialists for your holidays in La Palma. With personalized assistance on-site.
Elisabeth Dinter, Juliette Pinther, Carmen Riverol, Evelyn Roth
Our service numbersWrite e-mail+34 822 68 00 89
+49 7442 819 85 90
Please refrain from calling at the moment, our employees are overloaded. Send us your request by email, we will process it as soon as possible. We hope for your understanding in this extraordinary situation.
- with pool 80
- on the seaside 32
- with internet 142
Northwest >>
- Aguatavar 7
- Arecida 5
- El Castillo 1
- Garafía 3
- Las Tricias 6
- Puntagorda 28
- Tijarafe 16
- Tijarafe Costa 6
- Tijarafe El Jesús 10
- Tijarafe La Punta 20
- Tinizara 1
Aridane Valley >>
- Celta 5
- Charco Verde 2
- El Paso 19
- Hermosilla 2
- La Bombilla 2
- La Laguna 6
- Las Manchas 19
- Las Norias 9
- Los Llanos de Aridane 22
- Puerto de Naos 42
- San Nicolas 7
- Tacande 2
- Tajuya 8
- Tazacorte Costa 3
- Tazacorte Puerto 9
- Tazacorte Villa 20
- Todoque 11
South >>
- Fuencaliente 2
- Las Indias 4
- Lomo Oscuro 1
- Los Quemados 5
- Salemera 2
- Tigalate 2
- Villa de Mazo 8
- East >> 8
Northeast >>
- Barlovento 2
- Los Sauces 1
- Puntallana 1
Número de Signatura: E-38/5/0117
Apartamento Nisamar 1E
1st Floor Beachfront Holiday Apartment
Place: Puerto Naos
Location: directly at the beach promenade
Occupancy: 3 persons + 1 baby
Rooms: 1 double bedroom, 1 single bedroom
Location: directly at the beach promenade
Occupancy: 3 persons + 1 baby
Rooms: 1 double bedroom, 1 single bedroom
Presently, Puerto Naos is experiencing traffic impact and noise disturbances are caused by major construction works. More information about the construction site…
From the roofed balcony you enjoy a terrific sea view
Nisamar 1E is located in the first line of the beach and promenade of Puerto Naos.
The Holiday Apartment is situated on the first floor of the four-story apartment house, directly at the idyllic beach promenade of Puerto Naos.
Right in front of the apartment house there is the wide sandy beach with palm trees, which has been awarded with the Blue Flag, an international eco-label for high environmental standards and excellent water quality.
After a day on the beach the newly designed seaside promenade with its cafés invites to stroll along.
License number: E-38/5/0117
The Holiday Apartment offers space for 2 up to 3 persons
The furnishing features a simple, Palmerian style with modern, colourful decor.
The Holiday House faces the west side and comprises a living room with a fitted kitchen corner, 2 bedrooms, 1 bathroom and a spacious, sunny balcony.
In the living room a small sofa, two wooden armchairs and a satellite TV provide good comfort.
The kitchenette is equipped with a gas stove, an extractor hood, an oven and a fridge-freezer.
There are also a microwave oven, a coffee machine and a coffee percolator. A board covering the stove can be used as an extra worktop.
The marble counter with 3 stools makes a nice sitting area in the kitchen.
A long hallway connects all rooms.
Both bedrooms have a large closets and a window facing the patio.
A shared bathroom with a small shower tub and a bidet is located between the two bedrooms.
The bathroom is connected to a room in the patio, where the washing machine is located and where is also space to hang up the laundry.
The roofed balcony faces the beach promenade.
Two sun loungers as well as a small table with 3 rattan chairs are perfect for relaxing and enjoying an outdoor breakfast.
The view of the sea and the palms immediately gets you into the holiday mood!
Equipment Details
- 1 bedroom with a double bed (1,60 x 2,00m)
- 1 bedroom with a single bed (0,90 x 1.90m)
- cot and high chair on request
- 2-seater sofa + 2 armchairs
- satellite TV
- marble kitchen counter + 3 stools
- kitchenette with 4-burner gas stove, oven, extractor hood, microwave oven, coffee machine, coffee percolator, toaster, fridge-freezer, juicer
- 1 bathroom with small shower tub, bidet, toilet
- washing machine
- roofed balcony
- 2 loungers
- table + 3 rattan chairs
- lift in the staircase accessible via steps
Bed linen and towels provided by the Holiday Home.
Accommodation not suitable for people with reduced mobility.
In Puerto Naos you find one of the most beautiful beaches of the island.
The Holiday Apartment is located on the first line of the beach promenade, right across from the beach.
Shopping facilities, restaurants and shops are within a short walking distance, as are different sport activities like hiking, biking, paragliding and diving.
The bus stop is only 5 minutes from the Holiday Apartment, busses to Los Llanos depart every half hour.


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Here, on March 21, 2014, just exactly one month from the Boston Marathon, I can't help but think about a few things. One is what any runner thinks before a marathon – what, this soon? I wish I'd trained more. The other is, it's been a year since… that? I don't have anything new to say about that that won't sound…off. So I thought I'd post a link to the piece I wrote directly following the 2013 Boston Marathon and all the things that happened there. And maybe just take note of the picture, which our son David took. He and my wife Kris watched the race from Boylston Street. See the sign in the background, Family Meeting Area B? That's where David and Kris came to meet me after I finished the race. Why didn't I find my way to meet them, at the finish line on Boylston Street, so I could my friends finish? Anyway. We were so happy at that moment, as he snapped that picture. Race run, goal met, sun shining. One month to go and I'll run the race again. I'm not in anywhere near the shape I was in this time last year. That doesn't matter so much to me. I'll admit, despite the brave words in the post I've linked to, and despite the fact I'm going back to run, I have mixed feelings about having David and Kristen there watching the race.
- Next 12 workouts until Boston, a brief assessment of the season's training
- Previous Dropping the kids off at school, a bitter sweet recurring thought
Favorite Running Posts
Ultra Midlife Crisis: Reach the Beach, the Stone Cat 50 and Philosophizing
A Tale of Two Podiatrists: Relieving A Runner's Morton's Neuroma
RTB NH 2013: Ultra Midlife Crisis
A Game of Roads: A Song of Ice And Runners
Boston Marathon 2014 in 15 Minutes – A Google Glass First-Person View
Stone Cat 50 Miler Done, And Wow, Trail Running's Hard, Man!
What I Told My Son The Night After The 2013 Boston Marathon
Boston 2013 Recap – Course Strategy and Training Notes


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For many kids in Utah County, Halloween is just as exciting as Christmas! Children love getting elaborately decked out as their favorite superheroes, creatures or any spooky creation of choice. However, for any parent or guardian, trick-or-treating can be a little nerve-wracking to think about. You want your kids and their friends to stay safe while showing off their ghastly apparel and storming the neighborhood in the dark.
We've gathered top tips for you, to make sure everyone stays safe and has a blast this Halloween:
- Go during appropriate trick-or-treating hours
Don't wait to go until it is pitch-black outside. The best time to go is just before dusk. It is still light enough outside that you are able to keep track of your children and see other you are passing/encountering with on the street (and you get first picking of the candy).
- Visibility is key
It is always better if you can incorporate lighter colors or reflective tape into your costumes so that they are easier to see in the dark. Another great option is to have them wear glow necklaces and carry glow sticks and/or flashlights.
- Never go alone
No one should be out there alone. Kids that are elementary age or younger should be with a parent or guardian at all times, but those who are middle school-aged and want to explore unaccompanied by parents should stay in groups at all time. Make sure everyone knows all important phone numbers and addresses and set the curfew times and route beforehand.
- Walking Tips
Be sure that everyone understands simple traffic rules, such as stopping and looking both ways before crossing the street, and staying in a crosswalk if one is available. If you have to cross at a light, make sure you have the proper "walk" signal before you proceed. Double check to make sure dresses or capes don't drag on the ground. And finally, make sure that everyone is wearing comfy shoes and to double knot any tennis shoes.
- Stay on track
Trick-or-treating can span several blocks for multiple hours, so make sure you and your entourage of trick-or-treaters know the route you have planned. Stay in a well-lit neighborhood you're familiar with. It might be tempting to take a shortcut through an alley or cut through someone's yard, but that can sometimes pose a danger.
- Inspect candy first
Enforce an "inspection rule" before kids dig into their treats. All candy should be wrapped in its original wrapper and should not be tampered with. While it's at the parent's' discretion whether or not to let kids eat homemade treats, make sure those are also wrapped and protected.
- Say no!
Even if it's late and offered, make sure your kids know not to accept rides from anyone they don't know. Do not accept any kind of candy or bribery and kindly thank them and move on. If you or your kid feels unsafe or uneasy at any time, don't be afraid to report it or contact your local police.


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1 flat iron steak (substitute skirt or sirloin if desired)
olive oil
1 small onion chopped
1 bell pepper chopped
flour or corn tortillas (in foil and heated on low in the oven)
Acapulco Gold Blend
This recipe is best kept simple because the flavor of the meat with Acapulco Gold is amazing!
Coat the steak with olive oil and liberally rub with Acapulco Gold Blend. Let the steak set up at room temperature for about 1/2 hour. While the meat sets up, saute the onion and bell pepper. When it is time, fire up the grill and cook the steak until it is medium rare or to desired doneness. Place on a platter and cover with foil for 10 minutes. Put the meat on a cutting board and slice into fajitas strips. Take a tortilla of choice and fill with steak, and veggies. Additional add-ons could be avocado, sour cream, cilantro, etc…


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European Resident in Veterinary Neurology
Filipa graduated from University of Évora in Portugal in 2012. During her degree she also spent a year studying at University of Santiago de Compostela in Lugo, Spain. Shortly before finishing her studies, among other externships, she completed a six-month neurology externship in a referral centre in Lisbon, where she developed a special interest in that medical area. After spending a year working in a small animal practice in Portugal, Filipa has then moved to Newcastle, to work in a busy small animal hospital as a general practitioner. Filipa's areas of major interest include neurology and internal medicine. Filipa has completed a one-year mixed internship, then a one-year neurology specific internship at SCVS. She began her three-year residency in neurology in July 2017, studying towards her European Diploma in Veterinary Neurology.
Practice information
Southern Counties Veterinary Specialists
Opening Hours
Find Us
Emergency Details
Please call:
Find us here:
Please call this number for emergencies:


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Marabu Silk Paint> All
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Marabu Silk Paints
…for shoes and items that cannot be ironed. Marabu Silk leaves a soft finish with minimal hand on the fabric. Marabu Silk also works on other porous surfaces such as paper, wood, plaster, bisque fired clay and absorbent acrylic mediums and grounds. Marabu Silk cleans up with soap and water and should…
Marabu Contours and Effects Silk Mediums
Fine line fabric paint applicators! Marabu Contours and Effects Liners are easy to use fine line paint applicators for light and dark silk fabrics up to 20% manmade fibers. Available in a range of metallic, glitter and clear. Cleans up with soap and water when wet. Key Features: * Easy to use *…


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It is that time of the year again, Tournament time! Order your custom made tournament treats today.
These cute treats are topped with a recognizable image that everyone will love!
These are available for:
Baby Cakes
Mommy Cakes
1/2 sheet Cake
We can even make customized labels for you or your business.
Please call for pricing.


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Bearing in mind we have a new Prince of Cambridge we thought it would be a good idea to begin this segment of posts with The Cambridge Emeralds.
Surprisingly, the tiara was won in a charity lottery in 1818 by Queen Mary's grandmother, Augusta, the then Duchess of Cambridge.
The Vladimir Circle Tiara was adapted with fifteen emerald drops.Other pieces in the collection included two emerald drop brooches.
The "Cambridge and Delhi Dunbar Parure" refers to a complete suite of emerald jewelry, which also included an emerald and diamond tiara. The suite now belongs to the personal jewelry collection of Queen Elizabeth II, which she inherited from her grandmother Queen Mary, the Queen consort of King George V. The "Cambridge and Delhi Dunbar Parure" was designed and crafted by the crown jewellers, in anticipation of the coronation of King George V and Queen Mary on June 22, 1911, and their subsequent proclamation as the Emperor and Empress of India, at a special Durbar organized for this purpose in Delhi, on December 12, 1911.
The name Cambridge was derived from the Duke of Cambridge, Adolphus, the seventh son of King George III, who together with his wife Princess Augusta of Hesse, were the original owners of the magnificent emeralds that were incorporated in different pieces of the "parure". At least two of the pieces in the "parure", an emerald necklace and an emerald brooch were presented by the wives of the Maharajah's of India, the Maharanis, including the Maharani of Patiala. Thus the name "Delhi Dunbar Parure" seem to have been inspired for two reasons, one, the parure being specially designed and executed in anticipation of the Delhi Durbar and two, some of the pieces in the parure were received as gifts by Queen Mary during the durbar.


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Idioms and Phrases
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'''shor tawakof''' armor (steel dress)
'''shor tawakof''' armor (steel dress)
'''torga essheyi''' in secret (under a roof)
'''torga essheyi''' in secret (under a roof)
Revision as of 18:41, 23 June 2011
This page is a collection of idioms and specific uses of words in the Dothraki language as used by the Dothraki people.
Idioms are words or phrases that have a figurative meaning that is different from the literal meaning of the words and is understood to be figurative by virtue of common usage and in relation to a specific culture. The list gives the Dothraki word in bold then the figurative meaning and then the literal meaning in parenthesis.
jalan qoyi harvest moon (blood moon)
shierak qiya comet (bleeding star)
thirat atthiraride to dream (to live a wooden/fake life)
shor tawakof armor (steel dress)
ador shiqueti throne (iron chair)
rhaggat eveth ship (water cart)
torga essheyi in secret (under a roof)
Shieraki gori ha yeraan! The stars are charging for you. Said to someone who is going into battle.
Fichas jahakes moon Get him! (Take his braid) Used when encouraging fellow fighters.
Yer jalan atthirari anni. You are the moon of my life. Said when addressing a woman you love.
Shekh ma shieraki anni. My sun and stars. Said when addressing a man you love.
m'athchomaroon simple greeting (with respect)
m'ath shortened version of m'athchomaroon. Equivalent to saying "hi".
athchomar chomakaan Greeting said to a non-dothraki, directed at one person. (Respect to one that is respectful)
athchomar chomakea Greeting said to a non-dothraki, directed at more than one person. (Respect to those that is respectful)
fonas chek goodbye (hunt well) Said in parting.
Insults or swear words
chiftik Cricket. Used as an insult.
choyo A jocular word for someones butt.
Es havazhaan! Get lost! (Go to the sea!)
Graddakh! Refers to waste or refuse. If you are really upset and ticked off about something, and you just want to exclaim but not necessarily insult somebody else, you would say graddakh.
ifak foreigner (one who walks, walker). Used as a derogatory term for anyone who isn't a Dothraki.
Yer affesi anni You make me itch. Used to indicate that you don't like someone or that they make you uncomfortable.
Specific uses for words
- The words chomak and vichomerak which means "one that is respected" is only used when addressing foreigners since respect between members of the Dothraki people is implied by default. If a Dothraki were to use one of these words when referring to another Dothraki it would be seen as an insult.
- There are two word for the pronoun "you", yer and shafka. Yer is used in most instances but when you address someone in a respectful way then you use shafka instead. This is usually in the presence of or when talking to foreigners who are not of the Dothraki people.


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Distilleries leading the way in sustainability
As the world embraces more sustainable practices, SB takes a look at the distilleries that are going to great lengths to become more green.
As consumers become more interested in the origins of their drinks, and as corporate and social responsibility policies increasingly dominate business discussions, producers of all sizes are exploring ways to make every stage of their production process more sustainable.
In recent years, the concept of terroir has seeped into the world of spirits, meaning distillers are doing more to emphasise and protect the area in which they are based.
Scotland leads the way in eco-friendly sites, with a number of distilleries across the country running on renewable energy.
Click through to the following pages to read about the spirits producers upping their game when it comes to sustainability.


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UNIVERSITY OF WISCONSIN River Falls
2018 Event Review: The 2018 UW-River Falls Bouldering Competition challenged 70 climbers representing six universities from around the region in Beginner, Intermediate, and Advanced divisions. The 2018 event featured 44 problems.
Location: The Falcon Outdoor Adventures Climbing Wall is located at 185 Emogene Nelson Ave., River Falls, WI. Parking is available in Pay Lot 3 directly in front of Ramer Field. Meters are not enforced during the weekend.
Contact Information: For more information, please contact Jake Brunnquell, Outdoor Recreation Coordinator, at (715) 425-4335 or firstname.lastname@example.com.


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Dating Websites Algorithm
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A recent trend of health management is called IV Vitamin Therapy. AiiMed professionals provide many solutions of IV Vitamin Therapy solutions.
How Does IV Vitamin Therapy work?
Intravenous (IV) therapy delivers liquid substances directly into the vein using a small catheter and tubing. The solution mixture of liquids will evenly infuse into the patients bloodstream with bag hung above head. Sometimes medicine and vitamin treatments are made specifically by practitioner and added to this solution to suit any patients diagnosis.
What is in IV Vitamin Therapy ?
Specific needs of the patient can be met when practitioners at AiiMed tailor an individual treatment solution. The combination of saline solution vitamins and/or medicines. Saline, being one of the main components of IV drip therapy, provides even disbursement of the treatment while fully hydrating the body. Medicinal supplements are combined specifically to offset the patients direct symptoms. Normalized bodily function is the main goal for any practitioner who creates these treatments for their patients.
Types of IV Vitamin Therapy
Multiple varieties of IV Vitamin Therapy be implemented specifically for your return to a healthy and happy lifestyle. Many issues can be specifically treated like weight loss, reviving your immune system or empowering your energy levels. In some cases IV drips use B-15 to boost a patients energy level, while others use Vitamin C to increase immunity levels. For example some are designed to properly convert food to energy. For weight loss, certain IV drip treatments can aid with reduction of body fat and the promotion of muscle growth. Anti-nausea medication, anti-inflammatory aids, vitamins and minerals are a perfect mixture for the treatment of a hangover, commonly referred to as the Meyer's Cocktail drip therapy.
Promoting a healthy lifestyle and overall well being is the goal at Atlanta Integrative and Internal Medicine, and we offer several varieties of IV drip therapies to attain this. IV drip therapies are just the thing your body needs to get back to feeling the best it can feel!
IV Vitamin Therapy
To Schedule a Consultation
Hours Of Operation
M-Th 8:00 AM – 4:30PM
45 West Crossville Road, Suite 501
Roswell, GA 30075


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Here are a few quotes I have been feasting on this past month.
"I am a great Sinner but Jesus is a great Savior" ~John Newton (English Poet and Clergy in the late 1700's and early 1800's)
"Stay calm and enter the moment, Give Thanks!" ~Ann Voskamp (Author of One Thousand Gifts)
"Fix your eyes on Jesus" ~Hebrew 12:2-3
"He that covereth his sins shall not prosper: but whosoever confesseth and forsaketh them shall have mercy." ~Proverbs 28:13
Did you ready anything that stood out to year this past month? Please share!!!
Love you all!!!


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Governance and Program Compliance
PKH Enterprises understands that, within the Federal Government, meaningful collaboration and effective program implementation are often dependent on the utilization of an empowered governance structure. New programs and technologies present Federal departments and agencies with challenges that require coordinated solutions. PKH's knowledge and expertise enable us to help our clients effectively leverage governance processes to meet their mission needs.
When the implementation of initiatives involves multiple agencies or organizations, we assist our clients in using governance processes to establish expectations, align implementation schedules, and monitor progress. Our approach allows our clients to proactively identify potential compliance issues, report and escalate findings to relevant leadership, and address external reporting obligations.


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Year Book¶
A lookback of Javatar over years...
15 June 2015...¶
Stats: 16.4k installs
2nd year has passed. Although Javatar is not changed for a year to you, a new version of Javatar is still under development which focus mainly on stability and performance improvements. And also no reported issue for a year! That's mean Javatar v1.0.0 is working to most of Java developers around the world.
20 December 2014...¶
Javatar has reach its first release!
Stats: 10.0k installs
Take a look of full feature list here Release Changelog
15 June 2014...¶
Stats: 5.5k installs
It's been a year since Javatar was released. There're so many things that Javatar has been added and improved over the year. Started from a simple plugin that helps create a package and class easier, and becomes a more capable plugin to build and run Java projects. 1 year, many things changed, yet there're more to come...
15 June 2013...¶
Javatar's first commit.


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Stylish Peak-Lapel Women Leather Blazer
Regular price $280.00
Get this stylish peak-lapel women leather blazer which is crafted lamb skin leather and featured with double-breasted front-button closure and has peak lapel collar. It has long sleeves with split cuffs and has flap pockets. This is a paneled leather blazer which is fully lined and available in many colors and all sizes. So women get this stylish leather blazer now. Hurry up!!
- Lamb Skin Leather
- Double-Breasted Front-Button Closure
- Long Sleeves With Split Cuffs
- Peak Lapel Collar
- Flap Pockets
- Fully Lined
- Paneled


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Interpretations of Kantian Disjunctive Judgment in Propositional Logic
Marcel Quarfood
Sala: sala Beccaria
Data: 22 maggio 2010 - 14:30
Ultima modifica: 13 aprile 2010
Kant´s disjunctive judgment is often interpreted as the truth functional exclusive disjunction, aut. The present paper, taking its clue from recent logico-linguistic work on disjunction in natural language, argues that this is not a suitable interpretation, because of an unexpected feature of aut in expressions with more than two disjuncts. The proposal to replace disjunction with the biconditional in Kant´s table of judgments is also criticized. Though Kant´s disjunction may not after all be truth-functional, there are truth-functional options worth exploring, e.g. a ternary connective of exclusive disjunction, defined by Pelletier & Hartline. Its properties are briefly discussed in connection to two classic questions concerning Kant´s logic: whether it is complete from the vantage point of propositional logic, and why it lacks conjunction as an independent form.


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A while ago, I was looking for special needs activities to do with Sam in the summer holidays. He has Autism and struggles with sensory overload in a lot of situations. This can make it challenging at times to do things "typical" families do. Recently, I discovered Relaxed Performance at the Lowry, which they describe as…
"Relaxed performances are open to everyone, but are particularly appropriate for anyone who may find the usual theatre environment challenging, be that due to an Autism Spectrum Condition, a learning disability, or a fear of the dark, loud noises or confined spaces.
The performance will be slightly adapted to make a more comfortable environment; the lights in the theatre remain on low throughout the show, loud noises are softened and you'll be free to leave and re-enter at any point if you need to."
Relaxed Performance at The Lowry
There's a Relaxed performance at the Lowry performance of The Gruffalo's Child on Tuesday 16th August at 2pm. Sam and I are going, and I cannot wait to see what he makes of the theatre. (I will of course write another blog post after the performance, to outline the services, the show and how Sam got on too).
If the Special Needs guest If the person would be unable to attend the performance without support, The Lowry will provide a free Carer ticket. But you have to phone the dedicated access line on 0161 876 2183 to book those.
There's even a visual guide available for The Gruffalo's Child performance. It's amazing to see they've put so much effort in! You can view that HERE
You can read more about relaxed performances, and see the full schedule of relaxed performances HERE. If all goes well on Tuesday, I think we will be attending our first family Pantomime this December!
Finally, check out more of our theatre posts here.
This is not a sponsored post… I heard about this service, so wanted to share it – Simples!


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Any kind of debt can prove to be overwhelming. When credit card balances max out, when mortgage payments start getting paid late or when student loan debt threatens to swallow your income whole, it can be challenging to know just what to do. In particular, tax debt can inspire stress in anyone. For on top of the knowledge that you have tax debt, you face potential IRS action that could threaten the precarious balance your finances are likely already characterized by.
There are Several Avenues You Can Pursue When Struggling with Tax Debt:
First, it is generally advised that you continue to file your yearly taxes even if you are behind on previous tax liability or cannot pay this year's balance. The simple reason for this is that you will incur substantial penalties if you fail to file. In addition, failing to file may close the door on options designed to help you right your tax debt situation.
Second, you need to determine what payment option best fits your particular situation. The IRS may allow you to settle your tax debt through a payment plan. You will generally need to call the IRS in order to research this option, your eligibility and the terms of the plan. This option may work particularly well for individuals with a relatively small debt and a steady income.
Additionally, there are two other options you may wish to consider. The first is called an offer in compromise and the second is bankruptcy. An offer in compromise functions much like a settlement agreement does, so you will need to have a substantial chunk of your balance available for payment if you choose to exercise this option.
Bankruptcy as an Option
However, many individuals struggling with tax debt do not have either a steady and reliable source of income or a substantial amount of their balance available for payment. If this describes your situation or if the other options do not fit your life, bankruptcy may be an excellent option. If you have questions about any of these alternatives, please contact an experienced New Jersey Bankruptcy Attorney for a free consultation who can advise you.
Source: Yahoo Finance, "First Person: IRS Payment Plan vs. IRS Tax Settlement," S.L. Carroll, Feb. 7, 2013


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Try a KLDS E-learning course
Managing Meetings
Running an effective meeting requires more than sending out a notice to meet at a particular time and place. Effective meetings need structure and order, otherwise they risk going forever without accomplishing much. Chairing successful meetings requires clear objectives, a precise agenda, and commitment to planning and preparation. Meetings also need to run on schedule while ensuring the effective involvement of all meeting participants. The course is useful for people who chair, organise and participate in meetings. It offers a structured approach from the planning to the follow-up stages to ensure the result is a productive meeting.
Course Content
Principles of effective meetings
Preparing a meeting
Compiling the agenda
Managing the meeting process
Working effectively with meeting participants
Writing meeting minutes
Managing the meeting follow-up process
1 day
Target Audience
People who want to improve their meeting management skills.


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Roma International Scholar Programme
Open to: Roma students
Programme Overview
Roma Education Fund Scholarships Programme (REF/SP) announces the fifth year of the Roma International Scholar Programme (RISP). The Programme is designed to provide partial support to Roma students who are citizens of one of the following countries: Albania, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Kosovo, Macedonia, Moldova, Montenegro, Romania, Russia, Serbia, Slovakia, Turkey or Ukraine, for pursuing Bachelor, Master, PhD or Postdoctoral education outside of their home country or their country of residence.
The scholarship is merit-based and awarded for one academic year with possibility for renewal if the scholar continues to fulfil the Programme requirements. The aim of the scholarship is to promote academic mobility of Roma students and support their academic integration internationally.
REF supports diversity and does not discriminate on the basis of religion, gender, age, disability, or sexual orientation.
Eligibility Criteria
Eligibility criteria of the REF/Scholarships Programme set standards, according to which applicants' qualifications are assessed. The Programme Applications are screened for appropriate academic standards, completeness of submitted documents and deadlines met. The applicants who do not meet the eligibility criteria of the Programme/s are not further considered in the academic competition of the Programmes.
Applicants should:
_be openly Roma, willing to appear publicly as Roma
_have been or will be accepted at a state accredited university in the country other than his/her home country as full-time students in the 2011-2012 academic year. Please note that the home country and country of residence has to be one of the Programme countries as follows: Albania, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Kosovo, Macedonia, Moldova, Montenegro, Romania, Russia, Serbia, Slovakia, Turkey or Ukraine
_apply by the set deadline
_pursue their studies for obtaining a Bachelor, Master, or PhD degree
_submit a completed Application Form
_submit a Curriculum Vitae (CV) outlining applicant's academic background, work history (if applicable), as well as extracurricular activities and personal interests
_submit a Statement of Purpose that expresses their academic goals and/or accomplishments and shows their commitment and motivation to study
_provide official grade transcripts and official English translations about all academic qualifications they have obtained so far, including high school, Bachelor, Master or PhD degrees up to the 2010-2011 academic year.
_submit at least one detailed and informative recommendation letter, describing the academic performance and/or extra-curricular activities of the applicant
_sign electronically the Contractual Obligations section of the online application form
_study in one of the following fields: law, public administration, journalism, political science, sociology, psychology, pedagogy, philosophy, economics, finance and banking, business administration, history, international relations and European studies, communications and public relations, medicine, engineering, ecology or environmental studies, biology, mathematics, physics and arts
_provide evidence of acceptance in full-time university studies within a recognized university in a country other than the country where they reside or have a citizenship of
_present an original university enrolment certificate for the academic year for which s/he is applying for scholarship support
Additional Benefits of the Scholarship Programme
REF is in the process of developing an additional set of support activities for Scholarship beneficiaries to enhance their chances of graduating on time with good grades and starting a successful career afterwards. It is anticipated that these activities will include but not be limited to: participation in programme conferences and workshops, various training opportunities and information to promote educational, professional and personal development, possibilities for internships and small-scale community project initiatives. Participation in all these activities will be voluntary.
It is expected that these activities will be provided through a Beneficiary Networking Programme (hereinafter: BNP) which will also be open to persons who have been beneficiaries of REF Scholarships in the past.
In addition, BNP will develop a process of exchange and communication by which current and former beneficiaries can support each other in the expansion of their social and professional networks within and beyond the Roma community on both national and international levels. BNP will strive to develop a mechanism for current and former beneficiaries to self-organize around issues and concerns of interest to them, including but not exclusively Roma education.
In the longer term, one of the anticipated outcomes of the BNP will be a mutually supportive community of current and former beneficiaries that is committed to actively supporting the fulfilment of the REF mission and the broader promotion of Roma inclusion.
As a first step REF/SP Programme is launching a Beneficiary Pilot or Reference Group with a purpose to ensure beneficiary participation in the Programme planning and strategy elaborations as well as lay out the foundation for starting the Beneficiary Networking Programme.
In order to be informed about the opportunities offered under the BNP, scholars will need to clearly indicate in the section of the Contractual Obligation form (as a part of the Online Application Form) their consent to be contacted by the Programme for BNP purposes. Providing the consent for this part is on a voluntary base and does not influence the decision making of the scholarships selection process.
By providing their consent, scholars agree that the personal data they provide in the application form can be used for the following purposes:
_Sending to scholars invitations to participate in activities under the Programme;
_Creation of the database of those interested in BNP activities;
_Sharing contact information among the members of the BNP;
_REF Scholarships Programme outreach activities.
Roma International Scholar Programme


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[Teams] Real Madrid vs Man Utd: Confirmed Line-ups
Manchester United are in Spain to take on the mighty Real Madrid at the Bernabeu for the first leg of their Champions League last 16 tie.
The game sees Cristiano Ronaldo come up against his former side for the first time since leaving Old Trafford in 2009 and Sir Alex Ferguson will use all his experience to try and find a way to stop the free-scoring Portuguese forward tonight, who warmed up for the game with a hat-trick against Sevilla on Saturday.
Here are the confirmed line-ups for the game.
Real Madrid Team
Lopez, Varane, Ramos, Arbeloa, Centrao, Khedira, Ozil, Alonso, Di Maria, Ronaldo, Benzema
Subs: Adán, Pepe, Carvalho, Kaká, Essien, Modric, Higuaín.
Manchester United Team
De Gea, Rafael, Evans, Ferdinand, Evra, Jones, Kagawa, Carrick, Welbeck, Rooney, Van Persie.
Subs: Lindegaard, Smalling, Valencia, Anderson, Giggs, Cleverley, Hernandez
Now we've seen the teams, what's your score prediction for the game? Leave your suggestions in the comments section below.


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Head of Organisational Development at CYBG
According to Francis, it was clear that everyone within CYBG recognised a need for change when it came to performance management. He explained: "Virtually every one of our employees had had a bad performance management experience – maybe not in the previous year, or even the year before that, but at some point everyone had been scarred by poor performance practices."
Detailing some of the flaws with CYBG's existing performance model, Francis pointed to a weighted focus on process over purpose, leading to futile performance scorecards, ratings and appraisals being forced upon both employees and managers, creating resentment and demotivation. Needless to say, the impact on performance improvement outcomes was not a positive one.
For managers, this resentment was compounded by the fact that the existing performance system was failing them as employees, whilst at a managerial level, the same system was also proving to be a huge source of frustration, creating mountains of never-ending – and ultimately pointless – admin. A plan for positive performance change had to be put in place.
Despite the obvious need for a 'better way of doing things', Francis recounts that the initial – and perhaps greatest – challenge he and his colleagues faced involved allaying a long-engrained fear of change which had arisen as a result of several failed performance improvement initiatives. He explained:
"We had to change people's mindset in this regard. This time we were determined to get it right. In particular, switching managers away from viewing performance management as a list of tasks to be completed, and instead, encouraging them to think about how they could help people to perform better. That was a fundamental challenge for us."
Francis continued:
"Before we went anywhere near a new performance management system, we knew that we needed to improve the capabilities of our line managers – both for their benefit, and the benefit of those being supervised by them. We invested heavily in a new management framework, which involved training our managers to get the best out of people. As part of this, we also spent time educating our people as to why frequent feedback and continuous conversations lead to significantly better performance outcomes – a key element that we needed everyone to understand and show a commitment to."
Whilst CYBG's new management framework was being constructed and strides were being made to create a more positive performance-focused culture, Francis and his team were working on their sourcing a new performance technology partner.
"Our vision was for a very different, much more simple model, explained Francis. We wanted to do away with individual scorecards, instead focusing on team goals that would foster a culture of teamwork and continual improvement. Within this, our specification was for each employee to have two personal goals – one that they would set themselves, and one that would be set by their manager. We felt this was the best way to include employees and enable them to better manage their own performance and improvement. This employee and manager approach was also key to us fostering the sense of partnership we needed to make this a success."
As outlined above, the CYBG team was very keen to increase frequency of performance feedback, something that formed a key stipulation in the company's search for a better performance management system. Building upon this increased frequency, the team at CYBG also wanted feedback to be more simple and concise – both in ongoing 'check-in' conversations and quarterly employee-manager feedback meetings. Specifically, employees were asked to cite one thing they like and are happy with, and one thing that could be done better. Francis continued: "This has not only actively encouraged ongoing performance conversations, but ensured they are centred around positivity, encouragement, and incremental improvement."
With the CYBG team very much focused on creating the right performance framework and investing their time in training managers to optimise its eventual success, Francis knew that the company required a performance system that delivered a simply yet powerful end user experience. One that would not create further complexity and distract people away from what was important: building the right nature of high quality, meaningful conversations. After meeting with Clear Review's Stuart Hearn and seeing immediate synergies in performance philosophy, Francis and his team decided to adopt Clear Review's "clean, simple and genuinely intuitive" platform to support CYBG's positive performance transformation.
Three months after going live, CYBG's performance data makes for impressive reading with +50,000 goals set, +17,000 pieces of feedback given, and +2,000 'check-in' conversations already having taken place. This demonstrates a very high adoption rate amongst the Group's employee base – a fact that, combined with internal feedback, indicates people have embraced the new system because they genuinely like it and see value in it. Delighted with the achievements to date, Francis says: "For the first time, everyone is working towards the same goals for the year ahead and that's a massive step forward."
The large amount of valuable data now being gleaned by CYBG has also been a welcome means of putting some real metrics to performance management. Managers and employees alike can access this data in real-time and draw very actionable insights from it. Furthermore, these metrics are already being fed upwards to inform better business decision making at the top table, and feedback from CYBG's senior leadership team has been wholly positive. According to Francis, the level of detail now available to them is improving performance visibility tenfold: "Clear Review's system can deliver a large volume and variety of high quality, up-to-date information. We can now see overarching trends and patterns across teams, but we can also drill down to an individual level to identify who has got feedback, who hasn't, who's got goals and who hasn't. This empowers us to take corrective action with employees at an early stage, thus limiting the risk of performance dips. On the flip side, this is also enabling us to identify which supervisors may need extra support and training to help them improve as managers and ensure they remain happy with, and committed to, our new performance culture."
Feedback from managers themselves has also been highly positive to date. Elissa McKinlay, CYBG Area Manager, says that Clear Review is "a fantastic system that is transforming performance discussions. A really positive step forward [for CYBG]". Francis also notes that because managers are pleased with the new system, they have readily embraced it and are actually proving to be important advocates for it: "They can see the results for themselves in the data and that is helping to further embed the value of the new approach in their minds."
Citing other benefits so far, the CYBG team points to the flexibility of Clear Review's system. Francis adds: "The beauty of the new platform is that we can keeping changing and adapting to ensure our continual progress. We can be much more fleet of foot now, which affords us huge competitive gains, and also goes hand in hand with our evolution as an organisation."
Francis and his team have also been very impressed with the simplicity of Clear Review's model – a key factor that they saw as crucial to adoption and the success of overall outcomes. According to Francis: "The new model is infinitely simpler than before. With our old process we had 7,000 individual scorecards that sat in people's drawers gathering dust. We now have 1,000 sets of team goals that are much more concise and have direct actions. The approach, the system, and the language we now have is wonderfully simple yet highly intuitive."
CYBG's strong commitment to positively transforming performance culture has also received industry recognition, with the company winning 'Organisational Development of the Year' at this year's HR Network Awards. Indeed, Clear Review has also recently enjoyed some industry recognition of its own via CYBG, after being named the 'Be Ambitious' supplier at this year's Clydesdale Bank Supplier Awards.


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Virginians brewed peach and apple brandies, described as Virginia drams, however, there were certain restrictions. These brandies were to be sold within the rates laid down for English spirits.
However, permission was granted to keepers of ordinaries to secure as large a profit from the sale of beer as they could make within a limit of four shillings a gallon, or forty pounds of tobacco. This was a very high price in those days. To make things worse, although innkeepers charged at established prices, for many years their accounts were not been pleadable. The right to sue upon these accounts in a court of justice and recover judgment was not granted until 1668. But the requirement was that the action be brought within a year after the debt was contracted. There were so many taverns and tippling houses in the colony during 1668 that the number was reduced in each county to one or two, unless they could accommodate travellers. More were needed at ports, ferries and the crossings of great roads. It seems that every court house was also a drinking-shop! During the high time of the rebellion of Nathaniel
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Index to Georgia Wills-See Names of your Ancestors


text: Springs water park passes are on sale again starting Friday, October 5 through Friday, October 26. This is a great way to support our school and get a huge discount on the waterpark passes! Attached is the flyer and order form, which include the expiration date and restriction dates. Orders will be filled as they are received. NEW THIS FALL…..ONLINE ORDERING!! CLICK HERE TO ORDER ONLINE! Please contact Jessica Ziegler at firstname.lastname@example.com with any questions.


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I like a hard one that keeps its shape throughout the night and doesn't get too hot. I'm talking about pillows of course and we all have different needs when it comes to cushioning our heads as we sleep away the days troubles.
My other half swears by a softer pillow that he can sleep with his face fully submerged into the middle of it, whilst as I sleep on my side, I need one that really supports my back and neck, otherwise I'll be paying for it the next day. To see what pillow you would need, check out our best ten:
To be placed inside GOSA VIDE for added comfort and support. The height, 9 cm, of this pillow is adapted for you who prefer sleeping on your side.
The shape and the temperature and weight sensitive foam filling moulds to your body; provides good support so you can relax during sleep. Buy from Ikea.
Quilted companion pillow with 100% cotton cover and 100% polyester filling for extra support when sitting up in bed. Non-allergenic. Pillowcases (605 51527 and 605 51627) available separately.
Material is 100% cotton with 100% polyester filling. Washing Instructions Machine washable at 40°C. Available from johnlewis.com.
The Serenity Deluxe is a slimmer latex pillow for those who prefer shallower, softer support or who like to sleep on two pillows. It comes complete with a removable, zipped, knitted cotton/polyester cover for extra hygiene.
Size 43 x 64cm. The Serenity Deluxe pillow has the following features: Natural latex pillow, whitecotton / polyester cover, always keeps shape, healthy comfort, gently resilient, washable, beneficial to allergy sufferers. Available from johnlewis.com.
This 3 way pillow has all the usual benefits of a memory foam pillow but with 3 different profiles to suit the sleeper. On one side there is a large contour for side sleepers and a shallow profile for back sleepers, while the other side is plain for stomach sleepers.
The Memory Foam core moulds and cradles the head and neck, giving comfort and support and helping give you a better night's sleep. This non-allergenic pillow comes with a luxurious velour dotted, zipped cover.
Standard size, W48cm x L74cm. Material is 100% visco elastic foam with 75% cotton, 25% polyester outer cover. Washing Instructions Cover, machine washable at 40°C. Available from johnlewis.com.
This pillow is made from 100% British wool with a soft, 100% cotton outer case. The unique natural properties of wool resist dust mites, making these pillows suitable for allergy sufferers – a great alternative to polyester and other synthetic fibres.
Devon Duvets wool pillows are also a sustainable product, as the animal is reared solely for its wool and returns to the pasture after shearing. The wool is not bleached or chemically treated during any stage of its processing.
W48 x L74cm. Material is 100% wool.Pillow Size Standard.Washing Instructions Machine washable (wool setting). Available from johnlewis.com.
The Traditional Pillow provides TEMPUR® comfort and support in a more traditional pillow design. It is made from a patented TEMPUR envelope containing thousands of TEMPUR micro-cushions, which provide the plush comfort you want whilst maintaining the pressure relief.
Cover is removable and washable. Dust mite and allergen-resistant. Dimensions L74 x W50cm (including cover). Material is 70% cotton with 30% polyester cover. Washing Instructions Cover machine washable at 60°C. Available from johnlewis.com.
This pillow is made with a specially developed TEMPUR® Extra Soft (ES) material, to provide an innovative balance of softness and support. Ideal for those who want the support that TEMPUR can offer with a softer pillow feel.
Cover is removable and washable. Dust mite and allergen-resistant. Dimensions L70 x W50cm (including cover). Filling Visco elastic. Material Cover, 100% cotton. Pillow Size Standard.Washing Instructions Cover, machine washable at 40°C. Available from johnlewis.com.
- Gingerlily – 100% Silk Filled – £99
A firm pillow made from 100%, 'A' grade mulberry silk, to support your head and neck. Gingerlily pillows are made using the same techniques as the duvets, therefore offering the same great health benefits.
Each pillow is delivered with a protective sateen cotton cover. W50 x L75cm.
About silk: Silk is the ultimate breathable material: it heps regulate your body temperature so you stay warm in winter and cool in summer.
It is also 100% natural, hypoallergenic and resistant to dust mites making it especially suitable for allergy sufferers. Silk also contains amino acids, helping hair retain its moisture, keeping it shiny and smooth and has been attributed with helping to keep facial lines at bay.
Material 100% silk. Pillow Size Standard. Washing Instructions Spot clean only. Available from johnlewis.com.
The soft Tempur® material formula used for the Symphony Pillow harmonises perfectly with the dual-sided design to provide you with a soft, yet supportive pillow to suit most sleeping positions.
Cover is removable and washable. Dust mite and allergen-resistant. Dimensions H63 x W43 x D14 cm. Material Visco Elastic, with 70% cotton, 30% polyester outer cover. Washing Instructions Cover machine washable at 60°C. Available from johnlewis.com.
The Winter Snow Goose lives in the remote glacial Altai mountain region in Russia. The large down clusters selected for this soft, light pillow is from the thickest of its 3 winter coats.
The outer case is made from 100% cotton. This premium pillow is exclusive to John Lewis. Standard pillow 50cm x 75cm. Kingsize pillow 48 x 90cm. Washing Instructions Professional laundering wet clean only at 40°C. Available from johnlewis.com.


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Latest News
Report: SA's Tsotsobe in fixing probe
South Africa fast bowler Lonwabo Tsotsobe is reportedly under investigation in a match-fixing case that has already seen one of the country's former international players banned for 20 years.
Tsotsobe told the Wisden India website yesterday that he had handed over his bank account and cellphone records after being asked for them by national federation Cricket South Africa.
Former South Africa limited-overs batsman Gulam Bodi was banned last month after admitting he conspired to recruit players to fix matches, or parts of matches, in South Africa's domestic Twenty20 league last year.
Documents leaked to the South African media show eight players were approached by Bodi. Media reports have named former South Africa wicketkeeper Thami Tsolekile and now Tsotsobe, who are both former teammates of Bodi in domestic cricket, as two of those players.
"I've given them (Cricket South Africa) everything they want. My phone bills, my messages, my bank accounts, everything," Tsotsobe was quoted as saying by Wisden India. "They said they would get back to me."
Tsotsobe denied taking money from Bodi to fix. Tsolekile has previously denied being under investigation.
Cricket South Africa declined to comment on Tsotsobe yesterday, saying the match-fixing investigation was ongoing. CSA has declined to confirm or deny that Tsolekile is being investigated.


text: About Us Image Social Contact Us Today Contact Us Home About Us Ministries Events Prayer Requests Contact Us HOME Open Menu HomeAbout UsMinistriesEventsPrayer RequestsContact UsTop Menu Sis Sullivan Memorial It is with a heavy heart we must inform everyone, that our beloved First Lady, Sister Diana Sullivan has gone on to be with Jesus. We ask for prayer for our Pastor, James Sullivan, their daughters, Joanna and Amy Sullivan, family and extended family, as well as the Bread of Life Church body during this time of loss. (July 11, 2019) Loss of D Sullivan Pastor James & Diana Sullivan James Sullivan has been a minister of the Gospel since 1991 when he received his degree in Theology from Kent Christian College in Dover, Delaware. Image Pastor Sullivan has been the Pastor of Bread of Life UPC in Littleton, NH since 2008 when he and his wife Diana moved from Vermont to New Hampshire to fulfill a divine call from Jesus to plant a church in Littleton. They are experiencing the great joy of seeing souls being born again into the Kingdom of God. Text Why Us A friendly welcome Preaching from the Whole and Complete Word of God Welcome Jesus into the Praise & Worship Service Women's Ministry Youth Ministry Children's Ministry Why Us Contact Us Bread of Life UPC Pastor James Sullivan 835 Profile Rd Bethlehem, NH 03574 Call Us: (603) 869-3127 Contact Us Today Map Church Provides FREE Home Bible Studies Prayer for YOUR Life Needs Praising God with YOU for YOUR Answered Prayers Hospital Visits Provides Home Pastor's Page Sitemap Select MenuHomePastor's PageSitemapFooter Links Bread Of Life UPC © 2019 All rights reserved. Footer Text Mobile Call Button


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In cases of preventable death, the laws of Hawaii allow for a type of personal injury lawsuit known as a wrongful death claim. Wrongful death claims are based on negligence or intentional actions and stem from incidents and causes such as:
In bringing actions based on negligence, the family of the deceased must prove that the defendant had a duty to avoid harming the victim and that this duty was breached. They must also show that this breach led directly to their loved one's death.
State law specifically states which family members are allowed to participate in this claim. The claim is brought by one person, but the damages are divided between all eligible parties. Under the law, the proper parties to bring a claim for wrongful death damages include:
It is important to understand that different family members have different rights. Typically, the spouse or surviving children are the ones who can bring a claim. Generally, the right to make a claim only passes to others when immediate family members do not exist or choose not to bring a claim.
In addition to limiting who can bring a wrongful death claim, the state of Hawaii places limits on how long those parties have to file such a claim. These cases typically must be brought within two years of the date of your relative's death.
Here at Shim & Chang, we assist families during their time of mourning by working to get them the justice and compensation they deserve. If your family has suffered a loss due to the negligence or intentional actions of another, call us at 808-524-5803 or contact us online to schedule a free consultation in our Honolulu office.
"Shim & Chang were committed to helping my son no matter how long it took. They got the settlement we needed to take care of him for the rest of his life."
The Estate of Mark Tokuyama v. City and County of Honolulu Jury awarded $953,114.57, which at the time was the highest award ever for a drowning case.
$7 Million medical malpractice settlement.
$6.5 Million settlement.
With more than 30 years of practical and trial experience handling all types of personal injury cases, Roy K. S. Chang has molded Shim & Chang into a highly creative and innovative law firm that honors the Hawaiian spirit of aloha. He has achieved an AV rating from Martindale-Hubbell, the national directory of attorneys, indicating…
With his unique name and background, Harvey M. Demetrakopoulos' character and experience have greatly added to the creative and innovative approach of Shim & Chang. He has been with the firm since 1996, exclusively handling personal injury cases. Raised in Honolulu, Harvey graduated from Kaimuki High School and attended the University of Hawaii at Manoa…
Alvin Tong Shim, Founder of Shim & Chang In Memoriam of Alvin Tong Shim, November 10, 1923 - June 24, 2006 The Spirit of Aloha Born in Wailuku, Maui on November 10, 1923, Alvin Tong Shim was the second child and first son of Henry and Helen Shim. As a young boy, he earned money…


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Sleep Apnea Pillow
When looking to purchase a sleep apnea pillow you will likely want to consider the type of pillow that will work best for you. To begin with you will want to consider whether you will be wearing a oxygen mask to sleep in at night or not. Some sleep apnea pillows can accommodate oxygen masks while others are simple wedge pillows. The pillows that have the dips in the middle are those that will work well for individuals who are sleeping with oxygen masks on. Of course, these are usually a bit more costly then those that are just simple wedges.
There are many online retailers that specialize in sleep apnea pillows and other standard retailers that carry these specialty items as well. Since sleep apnea is a growing problem these corrective pillows can be found even in regular retail stores like JC Penny or any store where pillows are sold. The cost of these pillows will of course depend on the style and fabric that you select with cotton fiber pillows being the most preferred because they work well in the heat and in the cold as well. Prices on these pillows are similar to purchasing a higher quality pillow and can run anywhere from $30 or $40 up to $300 on the high end through medical supply companies and sleep apnea specialty stores.
Purchasing a corrective pillow is a wise investment before taking more extreme measures to reduce and eliminate your sleep apnea. Most doctors do recommend this as the first course of action for those with sleep apnea.


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The breadth of OKI's award-winning product line is unmatched in the industry. OKI offers high-quality printers, MFPs and innovative printing solutions to meet the needs of every office configuration – from SMBs to enterprise businesses. Our full product line includes color printers, monochrome printers, impact printers (SIDM), POS and label printers and multifunction printers (MFPs). All OKI products are designed to achieve the highest levels of office printing efficiency and productivity while delivering a low total printer cost of ownership (TCO).


text: Addiction Coping and Recovery Methods and Support Print How to Help an Addicted Friend or Relative By Elizabeth Hartney, BSc., MSc., MA, PhD Elizabeth Hartney, BSc, MSc, MA, PhD is a psychologist, professor, and Director of the Centre for Health Leadership and Research at Royal Roads University, Canada. Learn about our editorial process Elizabeth Hartney, BSc., MSc., MA, PhD Medically reviewed by Medically reviewed by Steven Gans, MD on July 16, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Review Board Steven Gans, MD Updated on March 23, 2020 Juanmonino / Getty Images More in Addiction Coping and Recovery Methods and Support Overcoming Addiction Personal Stories Alcohol Use Addictive Behaviors Drug Use Nicotine Use People who know someone struggling with an addiction often wonder how to help an addicted friend or relative. The decision to try and get help for someone you care about who has an addiction is never easy. Fortunately, with your support, they have a greater chance of overcoming their addiction . Each situation is unique, but there are some general guidelines that will help you approach this task. Do Focus on building trust Be honest Respect privacy Don't Threaten Criticize Expect immediate change Expect Difficulties There are many reasons that helping someone you care about with their addiction can be difficult: They may not agree that they have a problem.They may not want to change what they are doing.They may fear consequences e.g., losing their job or going to prison.They may feel embarrassed, and not want to discuss it with you.They may feel awkward about discussing personal issues with a professional.They may be engaging in their addiction as a way to avoid dealing with another problem that bothers them more. There is no fast and easy way to help someone with an addiction. Overcoming addiction requires great willpower and determination, so if they do not want to change what they are doing, trying to persuade them to get help is unlikely to work. However, you can take steps that will help your loved one to make changes over the long term and will help you to cope with a loved one with an addiction. Step 1: Establish Trust This can be hard to do if the addicted person has already betrayed your trust. However, establishing trust both ways is an important first step in helping them to think about change. Trust is easily undermined, even when you are trying to help. Avoid These Trust-Destroyers: Nagging, criticizing, and lecturing the addicted person.Yelling, name-calling, and exaggerating (even when you are stressed yourself).Engaging in addictive behaviors yourself, even in moderation (they will think you are a hypocrite). Be aware that: Although you just want to help the addicted person, they may think you are trying to control them, which can lead to them engaging in the addictive behavior even more.They probably use addictive behavior at least partly as a way to control stress. If the atmosphere between you is stressful, they will want to do the addictive behavior more, not less.Building trust is a two-way process. Trust is not established by putting up with bad behavior. If you have no trust for your loved one and do not feel it can be established at the moment, you should read Step 2.People with addictions rarely change until there is some consequence to their behavior. Don't try too hard to protect the addicted person from the consequences of their own actions (unless it is harmful to themselves or others, for example, drinking and driving). The Stages of Overcoming an Addiction Step 2: Get Help for Yourself First Being in a relationship with a person who has an addiction is often stressful. Accepting that you are going through stress and need help managing it is an important step in helping your loved one, as well as yourself. Step 3: Communicate Although you may feel tempted to let your loved one know that their addiction is a problem and that they need to change, the decision to change is theirs. They are much more likely to be open to thinking about change if you communicate honestly but in a way that does not threaten your loved one. Step 4: The Treatment Process The treatment process will vary according to the kind of treatment your friend or relative is getting. If you want them to change, you will probably have to change too, even if you don't have an addiction. If you show you are willing to try, your loved one will be more likely to try as well. If you are involved in your loved one's treatment: Remember to keep working on establishing trust. Re-read Step 1 before going to counseling with your loved one.Be honest about your feelings, what you want to happen, and what the addiction has been like for you.Do not blame, criticize or humiliate your loved one in counseling. Simply say what it has been like for you.Do not be surprised if your loved one says that things you are doing are contributing to their addiction. Try to listen with an open mind. If your loved one has treatment alone: Respect their privacy in everyday life. Do not inform friends, family or others about your loved one's treatment.Respect their privacy in therapy. If they don't want to talk about it, don't push for them to tell you what happened.There are many different approaches to the challenge of how to help addicts, but remember, change does not happen overnight. If you or a loved one are struggling with substance use or addiction, contact the Substance Abuse and Mental Health Services Administration (SAMHSA) National Helpline at 1-800-662-4357 for information on support and treatment facilities in your area.For more mental health resources, see our National Helpline Database. Would an Intervention Help My Addicted Loved One? Was this page helpful? Thanks for your feedback! Learn the best ways to manage stress and negativity in your life. Sign Up You're in! Thank you, {{form.email}}, for signing up. There was an error. Please try again. What are your concerns? Other Inaccurate Hard to Understand Submit Article Sources Verywell Mind uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. Kelly SM, O'Grady KE, Schwartz RP, Peterson JA, Wilson ME, Brown BS. The relationship of social support to treatment entry and engagement: the Community Assessment Inventory. Subst Abus. 2010;31(1):43–52. doi:10.1080/08897070903442640 Snoek A, Levy N, Kennett J. Strong-willed but not successful: The importance of strategies in recovery from addiction. Addict Behav Rep. 2016;4:102–107. doi:10.1016/j.abrep.2016.09.002 Johansen AB, Brendryen H, Darnell FJ, Wennesland DK. Practical support aids addiction recovery: the positive identity model of change. BMC Psychiatry. 2013;13:201. Published 2013 Jul 31. doi:10.1186/1471-244X-13-201 Heyman GM. Do addicts have free will? An empirical approach to a vexing question. Addict Behav Rep. 2017;5:85–93. Published 2017 Feb 6. doi:10.1016/j.abrep.2017.02.001 Center for Substance Abuse Treatment. 5 Major Treatment Issues and Approaches. Substance Abuse Treatment for Adults in the Criminal Justice System. Published 2005. Flanagan O. The shame of addiction. Front Psychiatry. 2013;4:120. Published 2013 Oct 8. doi:10.3389/fpsyt.2013.00120 Owens MD, Chen JA, Simpson TL, Timko C, Williams EC. Barriers to addiction treatment among formerly incarcerated adults with substance use disorders. Addict Sci Clin Pract. 2018;13(1):19. Published 2018 Aug 21. doi:10.1186/s13722-018-0120-6 Additional Reading Gottman Ph.D., John and DeClaire, Joan. "The Relationship Cure: A 5 Step Guide to Strengthening Your Marriage, Family, and Friendships." Three Rivers Press, New York. 2001. Hartney, Elizabeth, Orford, Jim, Dalton, Sue, Ferrins-Brown, Maria, Kerr, Cicely and Maslin, Jenny. "Untreated Heavy Drinkers: A Qualitative and Quantitative Study of Dependence and Readiness to Change." Addiction Research and Theory 2003 11:317–337. Love EdD, Patricia, and Stosney, Steven Ph.D. "How to Improve Your Marriage Without Talking About It: Finding Love Beyond Words." Broadway Books, New York. 2007. Orford, Jim, Dalton, Susan, Hartney, Elizabeth, Ferrins-Brown, Maria, Kerr, Cicely and Maslin, Jenny. "The Close Relatives of Untreated Heavy Drinkers: Perspectives on Heavy Drinking and Its Effects." Addiction Research and Theory 2002 10:439–463. Orford, Jim, Natera, Guillermina, Copello, Alex, Atkinson, Carol, Mora, Jazmin, Velleman, Richard, Crundall, Ian, Tiburcio, Marcela, Templeton, Lorna and Walley, Gwen. "Coping With Alcohol and Drug Problems: The Experiences of Family Members in Three Contrasting Cultures." Routledge: London and New York. 2005.


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Pride and Prejudice:
In Pride And Prejudice: Having A Ball, social historian Amanda Vickery leads the action as a team of experts recreate a Regency ball in honour of the 200th anniversary of Jane Austen's popular novel. Joined by Alastair Sooke and a coterie of professionals – a food historian, a costume expert, music history academics and a choreographer who trains a team of dance students to take to the floor– cameras will follow the recreation inspired by Austen's Netherfield ball. This intimate country house ball drives the plot of the Pride And Prejudice, and is a key turning point in the romance between Elizabeth Bennett and Mr Darcy.
The Midnight Gang
When Tom gets hit on the head by a cricket ball, he finds himself on the miserable children's ward of St Hugo's Hospital, where he is greeted by a terrifying-looking porter and wicked matron. But things aren't as bad as they seem and Tom is soon to embark on the most thrilling journey of a lifetime!