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There are approximately 400 compounds of low molecular weight that are recognized as mycotoxins, each with its own toxic effects for humans and animals. Yet national and international regulations and recommendations typically cover only a handful of mycotoxins: aflatoxins B1, B2, G1, G2 and M1; fumonisins B1, B2 and B3; ochratoxin A, deoxynivalenol, zearalenone, HT-2 toxin and T-2 toxin. These mycotoxins are well characterized and frequently covered in available research literature.
What do we know about the other unregulated mycotoxins in a particular sample? What are the hidden risks of their co-occurrence? How do we get a sample to tell its full story? This article will investigate unregulated mycotoxins, discuss the effects of mycotoxin co-occurrence, and introduce a method for analyzing samples of grain and feed for the simultaneous presence of multiple mycotoxins.
Emerging and masked mycotoxins
Emerging mycotoxins are those that are potential candidates for regulation owing to their increasing frequency and their toxicological composition, i.e. their potential for harm to animals or humans that could consume them. Strategies to measure and confront them are in a nascent stage and are currently subject to rapid development.
One particular subclass of unregulated mycotoxins is "masked mycotoxins." Fungi release a wide range of metabolites, including the well known DON and ZON, into the plant as part of the infection process. Often, this host plant will then further modify the compounds coming from the fungus. This chemical modification provides the "mask" that obscures the true identity of the mycotoxin.
Masking, however, serves an important purpose for the host plant as it constitutes one of its major detoxification strategies. Usually, a glucose molecule or a sulfate is involved in the conjugation and detoxification. Although these masked toxins do not further harm the plant, their toxicity to humans and animals might reemerge when the added masking molecule is cleaved in the gastrointestinal tract of mammals during digestion (Figure 1). In plant breeding, the increasing occurrence and production of some masked mycotoxins could be linked to novel resistant breeds. Deoxynivalenol-3-glucoside, for example, has been reportedly linked to resistance against Fusarium head blight. Although Fusarium-resistant plants show lower levels of total DON, higher DON-3-Glu/DON ratios have been reported in such plants, showing an increased production of this masked mycotoxin.
Modified mycotoxins and their toxicity
The "modified mycotoxin" is a further term signifying the changes that mycotoxins can undergo. Modified mycotoxins refer to both the modification of a parent toxin molecule by the fungus itself and the masking of the toxin that occurs within the plant tissue. Another type of modification takes place in mammals when aflatoxin B1 is consumed through contaminated feed and converted to aflatoxin M1. This aflatoxin M1 migrates into the milk of lactating animals and is subsequently excreted with it. In addition, modifications of toxins can also occur during food processing, in particular heating and fermentation, increasing their prevalence. These modified mycotoxins might occur in relevant amounts in food and feed.
Of all mycotoxins, deoxynivalenol has been most researched with regard to frequently observed modifications. The modified forms of deoxynivalenol can be divided into two main groups: altered and masked forms. There are two main altered forms of deoxynivalenol secreted by the fungus itself: 3-acetyl-deoxynivalenol and 15-acetyl-deoxynivalenol, as found in Fusarium-contaminated cereals. Plants are able to mask the deoxynivalenol to deoxynivalenol-3-glucoside and, as recent studies show, this may take on two sulfonated forms: deoxynivalenol-3-sulfate and deoxynivalenol-15-sulfate.
So what specific harm can come of modified, masked and other emerging mycotoxins? Modified mycotoxins can be either more or less toxic than their parent compounds. For example, they may be more bioavailable due to modifications. Toxicological data on modified mycotoxins are scarce, and current results and knowledge on the real risks and effects of these compounds are insufficient. This lack of knowledge makes it difficult to conduct a proper risk assessment. Nevertheless, there have been studies describing their potential threat to food safety. Masked mycotoxins can be "unmasked" in the digestive tract of animals and humans, releasing the parent compound with its toxicological effects once again. A similar situation exists with other emerging mycotoxins: toxicological data are scarce which makes it difficult to set up regulations and maximum tolerated limits to protect humans and animals from potential health risks.
As modified mycotoxins behave differently in their chemical reactions than their parent mycotoxins, they can be easily missed in routine analysis. Current detection methods for regulated mycotoxins in food and feed do not include routine screening for these modified mycotoxins as they are not covered by legislation. Such standard methods may show up as contamination levels below legislative limits, while contaminations from modified mycotoxins go undetected. This represents a correct result, but from a toxicological point of view the integration of modified toxins (e.g. as a sum parameter) would provide more sound data for risk assessment. Together, all these facts point to the possible hazards posed by modified mycotoxins to human health. Regulations on the maximum levels of modified mycotoxins as well as other emerging mycotoxins are currently under discussion at the European Food Safety Authority.
Mycotoxin co-occurrence
Now that we know that several mycotoxins are produced by the same fungi, it should come as no surprise that the converging effects of multiple mycotoxins have increasingly become the subject of research. Data collected in several independent studies in recent years show that agricultural commodities are often contaminated with more than one mycotoxin. The toxicological interactions of mycotoxins are typically synergistic: this means that the toxicological effect of two or more mycotoxin present in the same sample will be higher than the sum of toxicological effect of the individual mycotoxins. That said, the co-occurrence of mycotoxins can also have additive or, more rarely, antagonistic effects, by which their effects cancel each other out.
These synergistic effects vary from animal to animal and can be very complex. Figure 2 shows both the synergistic and additive effects of certain mycotoxins in poultry. Aflatoxin B1 (AFB1), for example, is a regulated mycotoxin that exhibits synergistic effects with diacetoxyscirpenol (DAS) and cyclopiazonic acid (CPA), both unregulated mycotoxins, and an additive effect with DON, another regulated mycotoxin. In swine, however, as shown in Figure 3, AFB1 has no known co-occurring effect with DON or DAS, instead demonstrating synergistic effects with T-2 toxin and ochratoxin.
These are just a couple of examples of co-occurrence. The increasing awareness for mycotoxin co-occurrence makes it necessary to develop multi-mycotoxin detection methods that simultaneously analyze several mycotoxins. In response to this need, Romer Labs has developed the Multi-Mycotoxin Analysis 50+ method.
This analysis gives a unique insight into the contamination pattern of a sample and quantifies more than 50 mycotoxins, including aflatoxins, Alternaria toxins, ergot alkaloids, fumonisins, zearalenone, and "masked" mycotoxins such as deoxynivalenol-3-glucoside.
A discussion of the advantages, limitations and development of the method with respect to the chemical diversity of analytes and the range of agricultural commodities that can be tested follows.
Multi-mycotoxin analysis
Analysts are increasingly turning toward LC-MS/MS (liquid chromatography/tandem mass spectrometry) as a chief method for detecting multiple mycotoxins. Analytical methods based on LC-MS/MS have become a powerful and state-of-the-art technique in the qualitative and quantitative analysis of mycotoxins over the last decade. This technique enables the simultaneous determination of a wide range of mycotoxins belonging to different chemical families within one single measurement: acidic (fumonisins), basic (ergot alkaloids), polar (moniliformin, nivalenol) and apolar compounds (zearalenone, beauvericin) can all be simultaneously quantified with LC-MS/MS.
Further advantages of this method are its high sensitivity and selectivity, as well as the delivery of additional information about mass-to-charge ratios (m/z) and fragment ions of the analytes under investigation.
The set-up of a multi-mycotoxin method based on LC-MS/MS usually follows a three-phase process on the way to implementation: method development, method optimization and method validation. These steps and parameters are summarized in Figure 4. During method development and optimization, the quality and reliability of the results should be evaluated carefully. For this purpose, analytical standards of the highest quality, with certified concentration and stated purity must be used. However, for certain analytes, analytical standards are not commercially available. In those cases, it might be possible to access standards that are still under research, or to work with available material that is less well characterized.
Method development
During the development of a method based on LC-MS/MS, the MS and LC parameters, as well as the sample preparation procedure must be optimized. To optimize the MS parameters, each target compound should be injected as a pure analytical standard directly into the mass spectrometer. This allows for the selection of the best ionization mode (positive or negative) and the most abundant precursor and product ions.
Also, the chromatographic conditions can be adjusted in this phase: the ideal mobile phases and gradient as well as the optimal chromatographic column must be evaluated.
Many multi-mycotoxin methods use a dilute-and-shoot approach: this refers to the practice of diluting the sample extract before injecting it into the LC-MS/MS. A clean-up step can also be implemented as part of the sample preparation. However, the mycotoxin pattern must not be altered during the sample clean-up, i.e. one must make sure that no mycotoxin of interest is retained by the material used for the clean-up.
Method optimization
The optimization of the analytical method includes stability testing of the analytes in standard solutions and samples, as well as proofing selectivity and determination of the working range.
Method validation
Method validation is a prerequisite for the production of reliable results in terms of comparability and traceability. Method validation must be performed separately for each target analyte in all required matrices. Typical performance characteristics that should be evaluated during validation of a quantitative method are limits of detection (LOD), limits of quantification (LOQ), linearity, precision, selectivity, robustness, accuracy, matrix effects and recoveries. For Multi-Mycotoxin Analysis 50+, the validated matrices are wheat, maize, swine feed and silage.
Matrix effects are encountered when matrix components interfere with the ionization process of the target analytes. Matrix effects can have a considerable impact on the quantification of mycotoxins. Therefore, it is essential to determine and compensate for such matrix effects. This can be achieved by determining the apparent recovery followed by a mathematical correction of the results with this value, by matrix-matched calibration, or by applying isotope-labeled internal standards. The latter will lead to results with the highest degree of accuracy and reliability at minimal investment of time and cost per sample.
The method can be validated by spiking blank samples with each required analyte at a range of concentrations in replicate. When available, the trueness of the method should be confirmed using certified reference materials. Furthermore, matrix-matched
materials and participation in proficiency testing enable additional quality assurance.
The development of a multi-mycotoxin method based on LC-MS/MS shows great potential in addressing the risk of mycotoxin co-occurrence. As the
research community acquires more and more know-ledge about the synergistic effects of multiple mycotoxins, including emerging and masked mycotoxins, validated analytical methods that can detect them within the same sample will only grow in importance.
A vast number of different parameters that significantly influence the quality and reliability of the results of the LC-MS/MS method must be considered carefully for each analyte in each matrix separately. In addition, the chemical diversity of the mycotoxins necessitates making compromises during method development, which may be far from optimal for certain analytes. Moreover, the wide range of agricultural commodities as well as the varying concentration ranges and different occurrence distributions pose further challenges to method development and optimization. Nevertheless, the development of multi-mycotoxin methods fulfills an urgent need; advances in this technology will further extend its application.
This article was published in Spot On Special Issue: Mycotoxins
You might also be interested in:
- BIOMIN World Mycotoxin Survey 2018


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subset: commoncrawl


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Wonderful Movie with a great message.
I disagree with others saying; "religion isn't your bag, this isn't for you".
It's a great story about Hope, Faith and perseverance. Showing how a community came together around one tragic event.
An incredible story of faith and how amazing Gods love is. For those who gave it bad ratings, they need to get on there knees and pray.
Beautiful movie of compassion, foregiveness, faith and hope.
I was most impressed with my awesome God and what He did for this
young man. The actors did a great job telling this story of great mercy, grace and love even in the midst of human emotion that was put to the greatest of tests. A must see!
Excellent film about a mother's faith and the miracle that followed.
Absolutely awesome, uplifting, and inspiring! Saw this movie on Good Friday with my children. We were all fully engaged and deeply moved by this movie.
Thank you!!!
Excellent movie God is real, great time loved it
Up lifting movie best I have seen in a very long time. Very well made.
a really well done movie - not a 'cheesy' Christian flick.
This was a great movie. Went to see it on Easter it made think of the reason for Easter. Cried and so did my 15 year old grandson.
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Day 3 is the hardest day in your first week.
This is the day that the last of the drug nicotine is leaving your body.
Nicotine's half-life is about two hours and it takes about 72 hours before all of it is out of your system.
Your brain realizes that this is happening. Your brain starts to scream louder than on Day 1 and Day 2. Your brain will yell at you: "Give me nicotine! You know I love it! You know we NEED it to be okay!!"
This is GOOD. When your brain is screaming at you, it is very hard to see that this is a good thing. The louder your brain screams "We are almost out of nicotine!! We MUST have nicotine!!", the more evidence you have that that you are about to be nicotine-free. And that IS good.
After Day 3, the physical withdrawal from the chemical nicotine is over. But the brain takes a much longer time for the receptors to heal and return to a pre-nicotine condition. And so the healing begins.
But your brain receptors and neural pathways have memory. Your brain will continue to hound you: "Where is that nicotine we love so much? You'll feel so much better if we get some nicotine! C'mon, c'mon...it won't hurt to have one".
How your journey goes from now on is up to you.
You will get a million suggestions and tons of advice on how to keep your Quit.
Take what resonates with you. And leave the rest.
There is no perfect way to quit. There is no magic formula. Do what works for YOU.
There is only one inviolate rule: Do not put any nicotine into your body.
As long as you follow that rule, you are victorious over the nicotine.
It's simple, right? But it's not "easy". Sorry, Allen Carr, but it is NOT easy. But it is easiER if you understand what is happening in your brain when you stop feeding it nicotine.
Today, you are an ex-smoker. You can be an ex-smoker tomorrow. And everyday thereafter.
And that makes you victorious. Congratulations!!!
xxxooo, Sky


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I'm pretty sure I mentioned this before but I can't help grinning everytime we have fried fish or chicken and do it without flour and still get a great 'crisp' on it and a very satisfying crunch. AND, what we use is low carb and good for you, too, fewer calories. It is Whey Protein Isolate! Just scoop out what you need, season it like flour and there is your future crispy coating. You just dip your fish or chicken into some beaten egg, coat with the seasoned whey stuff, and fry. It works well for onion rings, too.
Buster Kitten in the Wild
Buster Kitten was about six weeks old when he placed himself under our neighbor's truck and waited for whatever the next step in life might be for him. We assumed the cat belonged to the neighbor's and went about our own lives. Buster Kitten remained there for three days patient and very unworried about anything.
On the third day, my husband asked the neighbor about their new cat and she quickly assured us that the cat was NOT theirs, just residing under their truck. My husband came into the house and then said words that should not be spoken: "Julianna! Did you see the kitten under the truck next door?" Five minutes later, she comes in with the cat cuddled in her arms, announces it is a boy cat, and where is the cat food?
It was full-swing kitten time so the no-kill facility we took the last two kittens that tried to work their way into our hearts had been happily accepted by them and found good homes. Too many unsponsored relationships in the cat kingdom so no room at the no-kill facility inn. We couldn't let him into the house with our two cats without a checkup and shots and one vet trip lead to another and every time we went, the cat came home with us. This was two years ago.
Since Buster Kitten had been an outdoor cat for his first six weeks of life, he often gets a longing to get out the door and exploring. Yes, I resist the temptation to open the door when my daughter isn't looking!
I decided to find him a jungle for the day and from the pictures you can see how well he acclimated to the treat of being out in the wild. He wasn't afraid, he is never worried and he enjoyed the time immensely.
Okay, I'm fibbing. Buster Kitten's actual jungle adventure looked more like this . . .
GK Chesterton & a Pertinent Quote for Today!
John Wayne
Sometimes, the 'exalted will be humbled' and other times they are always humbled by what God has provided for them.
September 29th – Feast Day of the Archangels
Heavenly Father, you have given us archangels to assist us during our pilgrimage on earth.
Saint Michael is our protector, I ask him to come to my aid, fight for all my loved ones, and protect us from danger.
Saint Gabriel is a messenger for the Good News, I ask him to help me clearly, hear your voice and to teach me the truth.
Saint Raphael is the healing angel, I ask him to take my need for healing and that of everyone I know, lift it up to your throne of grace and deliver back to us the gift of recovery.
Help us O Lord to realize more fully the reality of the archangels and their desire to serve us. Holy Angels pray for us.
Spiritual Needs . . .
I was told once that the physical needs of a family have to be met first . . . then you can work on the spiritual. We have to provide the basics to see that our children are healthy and well-fed, but the physical needs the world is advertising today exceeds actual need and is self-centered want.
To meet the 'needs' of a family, mothers are competing in the workforce. Although I'm not well-versed in economics, it seems to me that the more people who require jobs, the less good jobs there are available. And if a husband isn't making enough to support his family, then the mother probably has to get a job. Equal rights looks rather unbalanced from this viewpoint.
All right, you might say, so a man has to work harder for his paycheck. What's wrong with a woman grabbing her share of the paychecks being handed out? It's fair competition.
One of the first things to go is respect. If a female wants to compete in a 'man's' world, she should expect to be treated differently. You can't have it both ways. You lose a bit of what makes each gender unique.
If you are a single woman, you can cope with the pressure, overtime and exhaustion. What if you are a mother in the workplace? Now who gets hurt?
A look around the world today will tell you that many mothers aren't on duty. No matter how you try, you can't handle two, full-time jobs. Motherhood is not an eight to five job..
In order to keep your children happy and maintain your 'freedom' to work, you keep them supplied with the latest and greatest to satisfy their physical needs. If you aren't home, you don't have the time to work on the spiritual. And the longing for physical wants far exceeds any desire for the spiritual unless this is nurtured . . . but who has time?
I knew a couple who put off starting a family until they could afford a boat. They earned their boat, had a baby and soon divorced. They both worked, the baby was in day care and they really didn't have a family. The boat didn't hold them together. In fact, it was something to argue over in the divorce proceedings. And the baby continued in day care because now the mother had to work.
I think that if most working mothers sat down and figured out the actual cost to them, spiritually and physically, of working, they might reconsider. Of course, there is always the 'world' telling them they have a right to find themselves so number crunching might not change their minds. And many of the husbands of today are products of working parent homes and used to the 'bounty' two salaries can bring. No one seems to know anymore when their physical needs have been met and exceeded. They keep trying to fill a void that only God can ultimately satisfy.
I know many of us 'stay home' mothers are regarded as being somewhat selfish and lazy. We stay home most of the time, don't have the hassle of PTA and car pools, and seldom worry about whether our clothes are totally fashionable. Our own relatives even wonder about us!
Well, I guess as long as we are being considered backward, we might as well continue on that path and see first to the spiritual needs of our family . . . then we can work on the physical – together, as a family
Counting Your Blessing … From a Christian Viewpoint!
"We have been the recipients of the choicest bounties of heaven; we have been preserved these many years in peace and prosperity; we have grown in numbers, wealth, and power as no other nation has ever grown. But we have forgotten God. We have forgotten the gracious hand which preserved us in peace and multiplied and enriched and strengthened us; and we have vainly imagined, in the deceitfulness of our hearts, that all these blessings were produced by some superior wisdom and virtue of our own. Intoxicated with unbroken success, we have become too self-sufficient to feel the necessity of redeeming and preserving grace, too proud to pray to the God that made us. it behooves us, then, to humble ourselves before the offended Power, to confess our national sins, and to pray for clemency and forgiveness." (Credited to Abraham Lincoln, 1863!)


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KOYO EE737173/737260, Size: 441.325x660.4x91.28. KOYO EE737173/737260 are used in a wide variety of applications, suitable for high speeds and are robust in operation, and need little maintenance.
Tapered roller bearing EE737173/737260
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Outer Diameter (mm) : 660,4
Width (mm) : 91,28
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d - 441,325 mm
D - 660,4 mm
T - 91,28 mm
B - 85,725 mm
C - 62,705 mm
a - 109,5 mm
r min. - 10,4 mm
r1 min. - 6,4 mm
da min. - 471 mm
Da min - 600 mm
Da max. - 635 mm
db max. - 510 mm
ra max. - 10,4 mm
rb max. - 6,4 mm
Db - 610 mm
Weight - 95,5 Kg
Basic dynamic load rating (C) - 1350 kN
Basic static load rating (C0) - 2630 kN
Calculation factor (e) - 0,37
Calculation factor (Y0) - 0,88
Calculation factor (Y1) - 1,6
Tags : KOYO , 441.325x660.4x91.28
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Free UK Delivery On Orders Over £20
Welcome to Vale Royal Angling Centre!
Continue Shopping
The Over The Top Brolly has a smaller canopy and an extra long pole which fits into the special 3D Brolly Bracket connected to a seatbox. This enables it to be used directly over the angler without hindering fishing.• 115cm (45") diameter• Extra long pole for positioning directly above the angler• Pole: outer 37" inner 43 1/4"
50" (125cm) brolly frame with 3 pegging points on it. we have also introduced a bell cap with the additional facility to add guide ropes for additional security and safety.


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No sh-t. People hate this girl and her brother just because they refuse to conform to what they think these kids should be.
Willow Smith Explains Why Growing Up with Famous Parents is 'Terrible'
By: Amanda Anderson-Niles
Willow and her brother Jaden Smith know firsthand that growing up as the children to super famous parents does come with a cost.
In a recent interview, Willow explained why she absolutely hates growing up in front of the whole world.
Click next for the details.
5 Comments
I feel bad for her that she feels this way. Ppl can be harsh and rude specifically on social media. I hope she has a good support system to discuss her feelings and encourage her to make good choices.
This is why I have no desire to be famous.
I love Willow and will continue to root for her. She doesn't deserve all the hate she gets from the media. Neither does Jaden.
She expressed this very well.


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15+ investment banking praktikum
Such Type of letter Includes a number of Advantages, yet You Will Find Likewise some dangers involved inside. The professional strategy is essential even in case the authorization letter is linked to your personal problems. If it's private authorization letter then you should mention that your connection with the person to whom you wish to offer a few authorities.
The authorization letter must Stay easy and short in order to Prevent any sort of misinterpretations. In the event of any misdoing, it can be used as legal evidence. An Authorization letter to file for money is composed by means of an individual that wants to authorize another man to declare cash on their behalf.
Till now, you should have understood what an authorization Letter is all about. In instances like this, you have to write an authorization letter so as to publish the information. An authorization letter is a significant document and you'll have to be certain that it is a closely worded document that can not be negotiated or misconstrued in any manner. Creating an authorization letter for documents is sometimes one of the prerequisites you need to submit before you are going to be permitted to be represented by somebody else.
A letter of authorization could be used for numerous factors. It Is a very straightforward but necessary legal document that's needed in case of many occasions. The authorization letter to get documents must have content that is first and fit for the trade where it's going to be used. It should contain all the contact information which may be employed by the correspondence receiver if they would like to gather additional info or if they'd like to raise anyA points of caution.
It's likely to send them a letter using the addresses Provided below or you can see their site and finish the suitable form. Authorization letters have to be confirmed carefully. An authorization letter can be used when you want to give someone the ability to do a job for your benefit. Some people believe it is not needed to make an authorization letter to acquire files anymore. Should you wish to make a productive authorization letter to acquire documents, you've got to create certain that you will start looking into quality criteria that will enable you to think of a letterA that's presentable, appropriate for use for a certain transaction, and complete with all the particulars that you would love to present.
You have to highlight from the letter what function concerning the Marriage is authorized under the document which you are providing. Authorization letters has a significant part in claiming a different individual's NBI Clearance. Moreover, there is another form of letter of empowerment. A simple authorization letter will be able to assist you present the degree, scope, and limitations of the jurisdiction that you're committing to another individual about receiving documents for your benefit.
The correspondence ought to have a suitable small business tone. It is Essential that you make sure the authorization letter to acquire files you'll come up with is presentable. Since consent letters are formal small business letters, it's essential that titles and the individual's last name act as foundation as opposed to the exact first name. The straightforward consent letter for documents is important to discuss all of the particulars of trade.
If you're feeling a letter to authorize the shipping person to depart Bundle at your residence, it's quite simple. Such a letter might also be necessary when authorizing someone to collect some critical records for your advantage. Authorization letters are essential for authorizing someone to execute your legal, business, health, and other relevant transactions for your benefit. It's normally used for business functions. Authorization letters are extremely simple to write but you must format them properly. An authorization letter is issued by someone, business or company concern to have the ability to devote the recipient with specific powers which can be anything from getting money from a financial institution account to making a business deal. You have to give them a written letter of authorization to your advantage.
Your letter can be redeemed in the event the words given by you have Got the double significance. It is essential that before you draft the letter and you also get in touch with somebody who has done passport function before, who will be able to aid you with the process. The letter can be utilized for insurance and healthcare factors. Travel Letter of Authorization A travel letter of authorization is one of the sorts of authorization letters that are written by those who want to provide authority to somebody else.
The tenant credit report Allows You to Locate a renter's fiscal history. You only need to understand why both documents are necessary. In paragraph spell out exactly what the correspondence is supposed to pay. A letter giving another person permission to watch on your child can save a great deal of hassle and trauma when you want a individual to pick him up from school, get him to the doctor or act as the primary caregiver for over a few hours. You have also asked they produce each of the receipts for each and every transaction that you participated in during the entire lifetime of the usage of that credit rating card. To begin with, an e-KTP card is set onto the gadget.
Back in the Outline Manager, you might also add different keys. Your clients have to dance with you whenever they desire to realize that value it is likely to deliver. If they're not ready, willing and able to execute the value you leave, then nothing will happen. Therefore, to achieve your company aims, you need good clients with whom you can create great price and lasting outcomes. When an individual makes a buy, he might buy more than one product.
Probably the most essential function in a business is the Restriction of company purchases. Since you're not in charge of their businesses. As soon as you've determined what type of energy of Attorney you require, you've got to read it carefully once and twice to ensure that is clarify and state the exact same purpose which you are searching for.
For the group organization to state that it had an Agreement on youpersonally, it has to demonstrate the way that it was going to do great for you. It is accurate, you signed an arrangement by way of your charge card company, but you did not sign one with all the companies that purchased your debt out of the credit card company. Doing so produces a contract which could be binding. If you haven't signed a contract with the group organization, you owe them nothing. Try to remember, you have a lease. Having to evict a tenant can be unbelievably stressful. When you are browsing for new tenants, you need to make certain you pick tenants who will handle your premises and pay rent in time.
During trades, it is not uncommon for vendors to ship Orders before payment. Purchasing is the procedure of purchasing goods and alternatives. Secondly, there is a speed cost to using a VPNit isn't terrible, but it is noticeable.
When you know a renter's income and the sum of obligations, you can Find out at case the tenant can afford rent, considering her or his other financial duties. Individuals investment simply suggests that clients must give an implementing staff to do the job. The airline provider notifies the client that the refund amount was moved into a pocket, and might be used to get a booking in the future. A collection company can't collect any sum of money that isn't permitted by law or by arrangement. Moreover, it would be asked to show the conditions of that agreement in court. Most collection agencies aren't going to respond to your letter, because they cannot furnish the evidence nor the information which you request. As an example, the collection agency and collection agentas license is something which no collection agency wants to provide, as you may know the agencyas and agentas information.
The plaintiff is waving a sterile piece of paper confronting you. When It's A greater court, then you need to retain an lawyer. In case you choose to retain an lawyer, you do not demand a high-priced one. If you've decided you do not need an attorney and you will prepare your Power of Attorney on your own, it's crucial for you to pay full attention whilst doing it so as to make any mistake that cost you a lot later. Back in Texas, the law permits you to alter the lock of their doors, but you have got to extend the tenant a secret instantly should they request one. With various information about its citizens collected via the e-KTP system, the authorities was (allegedly be) able to create an exhaustive database of every citizen. Firstly, citizens do not need to recall a variety of credentials for various sites.
The buying process can vary from 1 company to Another, however there are a couple of common denominators. The business process is very much like that clarified in the aforementioned article, we will explain only nuances. After that, the installation procedure will run for about two minutes. The entire procedure takes about ten minutes. The civil government process were rather bureaucratic and slow, individuals would just request a new identity card every time they moved to a brand new municipality. If you haven't been a part of thepurchasing process, it is very likely that you won't understand what a buy order is or exactly what a shipping arrangement is. The very first step in the funnel creation technique is naming your funnel.
Doing so will give rise to a commodity to be habit-forming. ProductsSelect specific goods on that you desire the upsell funnel to go triggered. A customer must cancel a flight reservation, but it will incur a steep penalty because there is not any cancellation window abandoned. There are many services out there that run VPNs it is likely to buy access to.
Job abandonment is typically as soon as a worker does not Look for work for a lot of days without calling in or providing any sort of notification. Unemployment In most cases, it's considered to be voluntarily leaving work. The next sort of contract abandonment takes place when a builder is no longer able to do the job on a job. 4 Abandonment of employment before the conclusion of the contract period has to be voluntary.
Seek consultation Your job abandonment policy needs to be composed With the assistance of HR. Employment agreements may also provide for forfeiture of wages in the event the employee abandons their occupation and doesn't offer you the mandatory quantity of notice. An excellent employment agreement should include an abandonment clause. In the exact same manner, a contract of employment or workplace policy might also have a definite period of time stipulated.
Employee who's absent without motive, but it is imperative to clarify and confirm what is going on with your worker. For an employer to securely exude a worker to have abandoned their occupation, the employer must make several genuine attempts to speak to the worker on a reasonable time frame to understand the reason for their absence. To handle the worker's absence, employers should conduct various processes for each circumstance. They need to ensure that workers receive coverage handbooks when they are initially employed and after each time that the handbook is updated.
In most instances, employers will be prudent to record the Circumstance, keep regular contact and issue warnings as appropriate. Employers should check the relevant contemporary award, agreement or policy to find out if it gives information about what to do in case of abandonment. The employer provided the employee with one final chance to submit the necessary medical particulars. Instead they must inquire into the conditions of the worker's absence. Employers suffer since they are not obtaining every of the talent attempting to reach them. When the employer is apprised of this info concerning the employee's absence, it's going to be difficult for the company to prepare abandonment. For hired individuals unable to go back to place of dwelling in the exact same day he or she provides home at no price tag.
You might even look at attempting to get connected with the Employee through other people like work colleagues, family or treating practitioners or to pay a visit to the employee's house. Over the span of the forthcoming several weeks, the worker appealed the refusal of advantages. Regardless of the primary reason for abandoning work, workers should make every endeavor to get in contact with their company or entrust somebody else to do it on their own behalf. The worker might have simply vanished. If he then turns upward disciplinary action needs to be taken. Consequently, he couldn't pursue his unfair dismissal claim. Workers represented by a union may be governed by the appropriate bargaining unit agreement.
You Have to Attempt to convey in writing to the employee prior to Making a decision to separate or dismiss. In this kind of situation, the employee is treated like they had terminated the employment and there's no dismissal. So as to terminate the job, you'd want to demonstrate that the employee has failed to comply by a lawful and reasonable direction of the business. The moment it is not always legally essential to make an attempt to consult with an employee prior to starting the finishing process, it's considerate and can help steer clear of legal snafus if there was a real misunderstanding. You need to confirm the worker's employment agreement and try to track down her before it's likely to choose to begin a corrective process.
Able to attend work on occasion. As soon as an employee will be late or not able to report to work, the employee should notify her or his manager when possible. If he is not able to report to work due to illness or circumstances out her hands, she must notify the right person with a phone call. If he fails to turn up, you have to attempt to get in touch with them. Sometimes he'll have a fantastic reason to be absent from work and not able to contact their company. A worker may be regarded as abandoning their occupation whenever they are absent from work for a long period without having given some notice. Sometimes he simply didn't know all their alternatives.
In case the worker doesn't respond to you personally in the interval Specified in the letter and you are in a position to be sure they have received it then you are able to assume that they have left their employment and can proceed at any given termination payments. He simply did not come to work. An employee with a disability might need a protracted absence from work due to their medical condition.
A record may possibly be necessary if an individual wishes To back to work after a family emergency. Indeed, a recent report suggests that, every year, Chicago is among the most fiscally deprived urban districts in the country. A health report may be an exceptionally valuable device that may pardon you from a whole lot of life's bothers.
When it Regards phony excuse letters, you have to be very careful. To make your fake excuse convincing, you need to be sure the letter or note you present to your boss appears real. The traditional medicinal excuse is enough to escape work or school. Whatever the situation, keep in mind which you needn't bother with a normal fake medical justification, you need the ideal excuse. For instance, you might initiate the sentence, I believe the new working hours would have the following positive effects on the business" You may truly feel that the need to assure your supervisor your schedule change won't negatively impact the department's operations or your capacity to control the workload.
A Comprehensive approach to managing a high Excellent note is to Get it from a commendable website which offers premium dr. notes. There's truly nothing wrong with utilizing notes differently. A dentist's note is a tiny newspaper that might have a watermark on it, and it might cover a huge selection of procedures. You want a strong note your higher-ups won't address. A fake note from a doctor or a clinic provides you the reason you need.
Such a letter may have an expert letterhead and a succinct letter The employee has missed work to get a certain number of days. The letter have some components inside them people can cut and glue, also. It needs to be prepared and delivered as soon as the employee or pupil is aware of the obligation to be in court. Letters of explanation are likewise employed by those who have been picked, however, can not pay a visit to the jury obligation.
The physician may ask the employer or instructor to provide you A bit of time-off to recuperate. As a parent, you're in a position to completely anticipate the teachers and college to at least keep a watch out for your kid and permit you to understand whether they see any issues. Parents continue to be perfectly free to excuse or dismiss their children' attendance issues, but knowing their kid is falling behind peers might be all they need to act. There are naturally many quite excellent parents that despite the never-ending duties of a parent, so make sure their kid is about the appropriate path. My relationships with each family member proved really strained. Parental engagement in schools can create the difference between an awful school and a great school and a very good college and wonderful school.
Your occupation demands full time dedication! At the beginning, you can Feel enthusiastic when doing work. If you don't need to lose your job because of a poorly forged notice, get the best one here. Your job begins annoying you and you will need to eradicate it. When you're accepted for work, you must attend orientation training in case you are not a certified teacher. Or it is not going to be simple for them to take care of the work you're doing.
A back to work note is sometimes Vital for the employer To permit the employee to return to do the job. From the illustration of attendance letters, the more personalized, relative correspondence makes a choice based on new info and supplies a distinct social context to the selection. At times, the motives are extremely private and do not will want to get shared. My situation wasn't unknown. When it has to do with an issue as complicated as absenteeism, the potential for the two prizes and penalties are able to really make a difference. Consequently, nobody will interfere in your personal matter. Because of this, you might have a couple problems, no matter the risk your excuse is approved.
Allocating resources for letters could possibly be a harder task. The site has plenty of packages out there. There are quite a lot of Sites which seem to provide such imitation note layouts at no price. Hold on to The certified mail receipt so you can check on the world wide web to see when The letter has been sent. Although, There Are Lots of websites on the online Offering imitation letters and documents, you will have to choose the perfect one For you. Regardless of whether you will be checking your email.


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Arkansas' new Ten Commandments monument was smashed to pieces early Wednesday by someone driving a vehicle into it less than 24 hours after the 6-foot (1.8 meter) granite statue was placed on state Capitol grounds. Secretary of State's Office spokesman Chris Powell said capitol police arrested the male suspect early Wednesday. Pulaski County jail records show that Michael Tate Reed of Van Buren, Arkansas, was booked into the jail shortly after 7:30 a.m. Wednesday on preliminary charges of defacing objects of public interest, criminal trespass and first-degree criminal mischief, with Capitol Police listed as the arrest agency. A Facebook Live video shot early Wednesday and posted on an account belonging to a Michael Reed appears to show the destruction of the monument. Arkansas' monument fell from its plinth and broke into multiple pieces as it hit the ground. "As far as what happens to the monument, it's unclear at this time," Powell said. "The first thing will be to clean up the debris."
Indeed.. What a loser.. At the very least, Mr. Reed should some some time in jail and pay a hefty fine. And, of course, he needs to pay for the replacement of this statue….however much it costs.


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New York environmental officials have proposed a ban on drilling for natural gas with hydraulic fracturing in the New York City and Syracuse watersheds and on all state-owned lands. They'd permit it on private land only under "rigorous and effective controls" codified into state law.
The Department of Environmental Conservation will give its revised recommendations to Gov. Andrew Cuomo on Friday, the same day an executive order prohibiting "hydrofracking" expires. The agency released some details of its proposal Thursday afternoon.
The process extracts natural gas from shale by pumping water, chemicals and sand into the ground to create fissures in the rock and release the gas.
The recommendations will be subject to further public comment and revisions. That will likely take months during which there will be no hydraulic fracturing.


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Dear Reformer:
Earlier this week, US President Donald Trump and Philippines President Rodrigo Duterte met for the first time, during the ASEAN Summit in Manila which Duterte hosted. As predicted, Trump did not raise human rights during their meeting, although a White House spokesperson claimed it came up "briefly" during a private discussion.
The top human rights issue Trump might have brought up with Duterte is the campaign of drug war killings that Duterte promised during his presidential campaign, and which he has followed through on since taking office in June last year. Human rights organizations and media have given estimates ranging from 7,000 to 14,000 killed already.
In a sign-on statement I organized, which has been endorsed by nearly 300 NGOs and prominent individuals and which we released this week in advance of the Trump-Duterte meeting,we note that the Philippine National Police (PNP) acknowledge over 3,900 people have been killed in anti-drug operations under the Duterte administration, plus nearly 2,300 more drug-related murders and thousands still "unexplained." Our statement also notes the Philippines saw a roughly 50% increase in its official homicide rate, starting immediately when Duterte took office – hard to explain in the absence of an official policy of extrajudicial killing.
The statement was covered in articles on four important Philippines news outlets, including the Inquirer, Rappler (8thand 12th most read web sites in the Philippines respectively), the Philippine Star and InterAksyon. The Interaksyon article credited our coalition with renewing global calls for a UN-led probe into the drug war killings. Leading human rights organizations in the Philippines, Filipino American groups, top NGOs like NOW and Doctors of the World, and many others supported the statement. More than 50 of the NGOs endorsing it are based in Asia, including groups from a majority of the ASEAN states.
Should Trump have met individually with Duterte, and should he have pressed Duterte on human rights when he did? World leaders need to communicate with each other, and there's room for debate as to how best a US president should juggle competing interests. Unfortunately, Trump's silence on human rights during ASEAN leaves standing some incredibly harmful statements he has made on the matter in the past:
- In December Trump and Duterte spoke on the phone, and Duterte claimed Trump praised his drug policies. While Duterte could have made that up, the Trump team never rebutted the claim.
- After Trump and Duterte spoke again in April, a statement on the White House web site said they discussed " fighting very hard to rid its country of drugs," with no qualification of that statement, implicit praise for Duterte's policies.
- A transcript of the April conversation leaked to Rappler quotes Trump congratulating Duterte for doing an "'unbelievable job' in the war on drugs."
We will never know for sure if Trump's implicit greenlighting of Duterte's mass killing campaign led to more such killings, but it's possible. Clearly the president of Indonesia, who launched his own drug war mass murder campaign as part of a reelection strategy in August, must have taken note.
If the president won't lead on human rights, or even arguably helps to make things worse, then Congress should step in. That's why we are supporting S. 1055, "The Philippines Human Rights Accountability and Counternarcotics Act of 2017," bipartisan legislation introduced by Sen. Ben Cardin (D-MD) and Sen. Marco Rubio (R-FL). Although not perfect, S. 1055 would impose important human rights conditions on law enforcement assistance to the Philippines, and would fund positive health programs as well as the work of Philippine human rights defenders. Among the bill's supporters are Human Rights Watch, Amnesty International, the iDEFEND human rights coalition in the Philippines, the Filipino American Human Rights Alliance, US Filipinos for Good Governance, and our close partners the Drug Policy Alliance.
Along with sending you this update, I also have the following three requests:
- If you are a US voter, please write to Congress in support of S. 1055, using the online write-to-Congress formwe've set up. Please follow up on your email by calling your state's two Senators and your Representative. (But please do use the form too – this will enable us to contact you if you live in a key state or district.) The time to do this is now, because we are trying to influence the pending State and Foreign Operations Appropriations bill, over the next few weeks.
- Please help to publicize our statement and S. 1055. You can use the set of sample social posts we've prepared for Facebook and Twitter, copied below my signature. You can also go straight to our Twitter page, @stopthedrugwar, where we have already retweeted some of these as posted by others. We'll be posting more to Twitter and to our Facebook group later as well.
- We need your financial support for this effort, and for other work like publishing the Drug War Chroniclenewsletter, a key tool for advocates and many others in the issue. Tax-deductible donations to our 501(c)(3) nonprofit, DRCNet Foundation, will support work like the Philippines statement and the newsletter. Non-deductible donations to our 501(c)(4) nonprofit, Drug Reform Coordination Network, will support our legislative work directly supporting S. 1055, and other legislative matters in the US. If you would like to designate a gift for a specific program, please leave a note in the comment box on our donation form, or with your check if donating by mail. Links to both nonprofits' donation forms can be found at http://stopthedrugwar.org/donate, and our mailing address is P.O. Box 9853, Washington, DC 20016.
Thank you for helping and for your time reading this update. As we noted in the closing paragraphs of our Philippines statement, "Support for the global system of responsibilities and rights has become uncertain… lawlessness and extrajudicial violence must not become a model for more countries. When human rights are attacked, all are called on to act… The time for action is now."
David Borden, Executive Director


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Google has been banned from taking images for its Street View tool in Athens over privacy concerns.
According to MSNBC, the Greek Data Protection Authority claimed that it had reached the decision despite receiving assurances from Google that it would blur faces and vehicle licence plates when displaying the images online.
The authority claimed that it had banned Google from talking images in Greece until it provides additional privacy guarantees. It wants clarification from Google on how it will store and process the original images.
Google was reported to the Information Commissioner's Office by Privacy International in April, over claims that Street View breached the Data Protection Act.
However the Commissioner rejected the complaint, claiming that the service was akin to members of the public being captured on television news camera or football crowds in the background of televised matches.


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These two character sketches were drawn at a technology conference I attended for school. I used a cheap ball point pen to make the sketches. The pen was the only thing I had on me at the time. The fellow that looks a little like Santa Claus gave a presentation all about a fun software program called comic life. During the presentation he was very inanimate and never smiled. The fellow with the monkey on his back was the opposite. He was overly animated and kept saying how technology should not be considered a monkey on our backs; hence the monkey on his back.
4 Comments on "Character sketches"
Great sketches! love it.
Great caricatures! I know the santaesque guy and I'm sure his beard just blocks the enthusiasm on his face.


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In the framework of rational utilization of energy, ANME has launched in 2012 and in cooperation with MEDREC, IMELS, STEG, The National Agency of Environment Protection (ANPE), Training, Management, Advice (FMC), and the National Waste Management Agency (ANGED), the TSP #21 which aims to replace 400.000 refrigerators of class 1 and 2 during a period of 5 years progressively.
A study was developed as part of the program initiated following the Cooperation Agreement signed in Tunis on 24 June 2010 between the IMELS and the ANME with the support of MEDREC, to establish a funding mechanism with an initial goal to replace 400,000 refrigerators more than 10 years old, from 2012 until 2016, to urge citizens replacing their old refrigerators with new ones, more energetically efficient, class 1 and 2 through the incentive of the Tunisian government. The mechanism to establish is based on three main components:
- The discount granted by producers in relation to the "volume" of sales generated by the program effect.
- The state subsidy under the policy of energy conservation
- The consumer credit in favour of the program's clients to spread the cost of appliance over several periods.
The results of the first phase of the study showed that the initial target could be achieved without financial incentives, and considering these preliminary results, ANME recommended to guide the program more towards energy savings and to find an effective way to encourage consumers invest in eco-energy, and therefore suggests a reconfiguration of the project in agreement with all stakeholders.
This project will have an impact through the significant improvement of the energetic efficiency of the park in use by the anticipation of renewing and the increase of buyers to devices of Class 1 and 2, which considerably boosts the supply of efficient appliances by manufacturers
The first step of the study has been achieved and identified that the objective set for the replacement of the refrigerators is inadequate and doesn't match with the reality of the market. Therefore, a reformulation of the program is needed.
The new version is based on two components:
- Encouragement of households to replace refrigerators aged of 10 years or more with new ones of class 1 or 2.
- Encouragement of new households buying for the first time refrigerators to acquire class 1.
The set objectives matching with the reality of the actual demand, known that the refrigerators of 10 years old or more are estimated to be around 800 000 by the end of 2013:
- Replacement of 600 000 refrigerators of ten years old and from classes superior to 3 with new ones from class 1 and 2 on a period of 5 years.
- Recuperation and secured recycling of replaced refrigerators.
- Saving energy (a reduction on energy subsidies designed for the electricity consumption and a reduction on the energy budget for consumers)
- Environmental protection (avoiding CO2, securing the destruction of the gas HCFC)
- Development of the industrial sector thereafter the increase of sales generated by the accelerated replacement of used refrigerators.
- Development of new sectors affecting the national economy starting from recycling.
In order to implement the project PROMO-FRIGO, the following steps should be applied:
- Engagement of distributors to collect and place in drop-off depots the old refrigerators
- Contribution of the bank sector through warranty credit by STEG, same procedure used in the program PROSOL II)
- Definition of "economic" refrigerators' specifications of class 1 in concentration with fabricants
- A call of the concurrence for the quality of refrigerators to manufacture yearly with a pre-defined price and choice of the partner program manufacturers.
- Elaboration of a program contract with partner fabricants
- Elaboration of a chart with fabricants/distributors for the adhesion to the program précising the engagement of fabricants/distributors
- Elaboration of a control chart authorizing the services of ANME to proceed to controls within the centers of collection and distributors to verify the conformity between documents and effective depot of old refrigerators.
- Elaboration of a tripartite convention between ANME, the bank, and the STEG for a warranty credit by the STEG for the financing of a part of the refrigerators costs.


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By: Darrelyn L. Tutt"But when Pharoah saw that there was respite, he hardened his heart, and hearkened not unto them; as the Lord had said."Exodus 8:15-----Arrogance - An open air of pride indiscreetly displayed.-The open expression of a cocksure self-promoting attitude.-An egotistical superior sense of presence.Arrogance was the plague that blinded the heart of Pharoah and prevented him from seeing the glory of God.Three traits of Pharoah:Arrogant, Presuming, Powerful.-----Today's Read: Exodus 9-15 and Psalm 18Pride and arrogance are intertwined;Where pride "sits long" in the soul it reveals itself in the rising of arrogance.For this reason, the early season of pride, is the time for it to be both recognized and uprooted.Pharoah's heart was the result of pride's sustained shelf life; a nurturing of self that led to a narcissistic attitude.It didn't likely erupt overnight but over a long steady season of power, position, and prestigue afforded him.Somewhere along the way Pharoah became overcome with himself and, in "his" great shadow, his presence eclipsed the sun and the eyes of his soul were blinded.When the appointed time came for the redemptive release of God's people (Israel) from Egypt, Pharoah was the voice and presence that openly refused and denied God's people their right. Openly defying the presence and power of God ... Pharoah flexed his mortal muscle attempting to prove his sovereignty to the people and to God.God dealt with him acccordingly and presented him with the 10 plagues:1) Water turned to blood.2) Frogs covered the land.3) Lice in man and beast.4) Swarms of flies.5) Death of livestock.6) Boils in the skin of people and animals.7) Hail and fire intermingled.8) Locust.9) A darkness that could be felt.10) Death of the firstborn. And finally Pharoah tucked his regal tail between his legs and went home the loser;And that's how proud men will always go home before God.-----Hmmm ...What a nuisance undealt pride can so quickly become.Pride enlists its own onslaught of consequence and God deals with the hearts of mortals in personal and provoking ways to display His immortality.How He does it ... one can never be sure.But that He does it is a guarantee.-----It's my hope that you don't look any further than yourself for concerns related to pride.Pride is in the heart of all of us and must be dealt with and uprooted upon our first awareness of it. Its lingering stage in the soul has a short "shelf-life" and will quickly produce its counterpart called arrogance which will become public information.God hates it, Abhors it,Calls it an abomination.Don't conceal it,Ask God to reveal it,Confess it and let Him deal with it.Be done with it and free of it.Be sure that He will call in the "plagues" where He finds it necessary ...And all knees will evenually bow in the "Light" of His very great presence.Don't allow pride to overshadow you."And Moses said unto the people, 'Fear ye not, stand still, and see the salvation of the Lord which He will show to you this day: for the Egyptians whom you have seen this day, ye shall see them again no more forever."Exodus 14:13-Selah
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Jesus proves that sex is not required for a satisfying life, which is thrilling news for singles, divorcés, widows, and couples struggling with their sex lives. Having a joyful connection to God makes sex a good, but unnecessary, gift from God.
Sexpectations: Sex Is Fiery
Like fire, sex must be treated with a healthy fear. Mess around with one flame and you might get hurt. Mess around with one night and you might get hurt worse. This message explores the Bible's warnings about sex, showing Gods' fatherly heart when he restricts sexual pleasure to the commitment of marriage.
Sexpectations: Sex Is Work
Too many people expect sex to be easy, just like it is in the movies. But that expectation leads to pressure, frustration, and disillusionment with others. God, on the other hand, expects sex to be the result of a process of love and respect.
Sexpectations: Sex Is Good
Sex was invented by God himself! In the beginning, when everything was very good, there was sex. God's idea. God's gift to husband and wife. In a world where too many of us have been victims of sexual sin or of an anti-sex church culture, we need the reminder that sex, by God's design, is still very good.
I love my tattoo (and what I said to those who didn't)
Recently, I posted a picture on Instagram that got as many comments as my previous 19 pictures combined. What caused the stir? My tattoo….
Time for a renovation
I drove by a strip club today. Well, a former strip club. This place of business closed down and went up for sale after…
How to switch from reacting to preventing suicide
I met her at the airport. Within a few minutes, the woman told me, "I've been at two funerals in the past two months—and…
Everybody is warped
All sin is bad. No sinners are any better than any other, but you wouldn't know that from some of our national "Christian" dialogue…
Divorce and God
Whether you're married, single, separated, or divorced, Pastor Mike's series this week had something for all of us to consider when dealing with the difficult topic of divorce.
Divorce: Be Quick to Listen
Divorce is complex. So be quick to listen.
Why Does God Hate Divorce?
God doesn't hate divorced people, but he hates divorce.
Divorce: What If I Don't Feel Anything for Him?
When it feels like there is no love left in marriage, what do you do?


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Not investment or financial advice. This is not an endorsement or recommendation to buy, sell or hold. The staff of this site may own the asset/s mentioned on this page. Investing is risky and you may lose all your capital. Do your own research. See full disclaimer.
We receive no direct payments from the mentioned companies. Some links on this page are affiliate links, at no extra cost to you, we may receive commissions when you use them. However, we try our best to keep our articles fair and balanced.
What is FIRE?
- FI: Financial Independence; Not being dependent on an active income to maintain one's lifestyle. The most common definition of FI is saving the sum equivalent to 25x your annual earnings; this would allow you to withdraw safely y 4% a year without ever running out of money. However past performance does not guarantee future performance. This is based on historical returns for the stock market.
- RE: Retire Early; Retire years before the official retirement date. To enjoy your healthies years to your benefit rather than that of your employer.
What is the difference between Lean Fire vs Fat fire?
There are some who would prefer to stay frugal after retirement and others who prefer to splurge a bit more after their early retirement. fatFIRE is a retirement high in expenses, and leanFIRE is the opposite a retirement which is very low in expenses.
In addition to the above two, there are also
- barristaFIRE: Retire early but then find a fun part-time job to have your health insurance covered.
- aveargeFIRE: This is a more typical early retirement, which combines some of all the previous three types.
- passiveIncomeFIRE: A well-diversified passive income portfolio whose earnings are linked to inflation-adjusted is probably the safest way for early retirement.
According to the Trinity Study
- frugal (lean) early retirement: one would need less than one million to retire. Yearly living expenses amounting to $42k
- average early retirement: somewhere between 1 and 2.5 million are needed. Yearly living expenses between $42k and $105k
- high expense *fat) early retirement: More than 2.5 million in savings are needed, this would allow you to spend more than $110k a year
- semi-early (barista) retirement: The difference between your choice from the above three and your monthly income.
Tips for fatFire
Freedom without money is no freedom. How can you live if you do not have the money to enjoy life. This type of retirement requires a considerable nest egg invested in a well-balanced portfolio that can weather any financial storm.
Optimise your investments
To make the most out of your nest egg, legally reduce all your due taxes. Employ the right professionals. Create assets structures such as onshore and offshore corps, trusts, estates, foundations and tax efficient loans. These are tools that the rich use of and if you have worked hard for your money than why not use them.
Keep track of your investing costs
Investing costs can compound to amazing figures over a decade or two. It is vital you know how much $ is going out to maintain all your investments. Identify alternative investments which are cheaper investments and make the switch. Vanguard is always there for help.
Making it is one skill – keeping it is another
Our biology is set up so that losses are more painful than the equivalent gains. This means losing 1,000 will feel like hell, but gaining 1,000 will have a minimal impact on your happiness. Keep in mind Warren Buffet: "rule number 1 is don't lose money. Rule number 2 is don't forget rule number 1."
A large nest egg means either long saving time or high-risk investments. High risk investing and early retirement does not go well together.
Seek out risk avoidance measures, doing this before the risks come to you is much less costly than doing it once the problems are on your doorstep. Divorce and being sued are the first risks that come to mind.
More house does not mean more happiness
Splurging is allowed, but when does throwing money out become waste? Spending more does not necessarily make you happier. The more you spend the more you need to spend next time to get dopamine hit. As a direct consequence of spending money, a tree is being cut, plastic is being dumped in the ocean and the air is getting filthier. What kind of world will you leave to the next generation?
What world do you want to leave behind you?
You have money and life is awesome, you savour every moment of this perfect life. BUT is there more to life than gold, champagne, fast cars and international travel? Yes, there is!
A long-lasting legacy.
It is easy to achieve.
Create something that will leave the earth a better place than you have found it.
Anyway, you have the money and you can pay others to do it in your name.
Tips for leanFire
Control your expenses
Frugal retirement is dangerous! It is hard to keep expenses low eternally because life has a habit of throwing problems. Medical issues, emergency travel, older parents needing assistance and kids needing a helping hand, When these expenses are emotional, the excel budgeting excel sheet is closed and the online banking is opened. Living on $42k a year is hard (in modern western countries). Boredom and lifestyle inflation can also attack your nest egg if you allow them to.
Borrowing is a no, no
Borrowing against your nest egg is financial suicide. Who needs loans in a minimalist retirement anyway.
Avoid medical expenses: Focus on your Health
Retirement is all about the good life. The more years you have in good health, the more time there is to experience life to the full. Walking, a good diet and lifting things can do amazing things to your body. They make you healthier. Importantly they keep the doctor and medical expenses away.
Hustle your way through
Frugality is an art. You are the one to decide how much you want to pay for anything. Research, bargain, haggle and get the deals you want rather than the ones that are on offer.
Upgrade your Retirement
Let me put forth a controversial idea. Work again!
I am not asking you to go work in back-breaking building skyscrapers.
You can start many income-producing activities from the warmth and comfort of your living room. Alternatively, you can find a fun job, such as a barista, which gives you the opportunity to meet a lot of people and get social security and medical insurance coverage. Consider upgrading from a minimalist retirement to a barristaFIRE or a passiveinvomeFIRE.
Tips for passiveIncomeFire
Here on NodesOfValue.com, we focus on Passive Income. Through passive income one can create a collection of assets (rather than a nest egg) which keep on giving, creating intergenerational wealth. These assets provide multiple streams of income, and depending on their size can support both a minimalist retirement or a lavish one. Most of these assets can start as side hustles, in time and with hard work they can become autonomous assets or low maintenance cash cows.
Which of these can you start today?
- Dividend Investing
- P2p lending
- Real estate investing: REIT, DIY BTL, AirBnB, Crowd Funding
- Side Hustles: Online Courses, eBooks, Facebook Marketing, Mobile Apps, YouTube Channels
- The risky Cryptocurrencies: Staking and Masternodes
What is the right choice a leanFIRE or a fatFIRE?
Your choice of FIRE-type is a personal one. It does depend on personal circumstances and preferences. Some of us have a hard time getting to leanFIRE and pretty much impossible to get to fatFIRE. Just because the flow of income is not enough or there are continuous unavoidable expenses? Accepting reality is the first step. FIRE is both a math problem and a creativity challenge.
The math problems is the challenges of saving and investing to grow your nest egg to 25x your yearly income. The creativity part is how to create the income to feed your nest egg.
Once a real decision to retire early is made, then your ingenuity will take over and get you there. It is all about persistence and perseverance.
Personal circumstances in your control
- Date you start saving and investing. This is probably the most critical aspect of this project. The earlier you start the heavier your bags will come retirement day,
- Your salary and how much can you save.
- Ability to have fun without spending too much money
- What are the tools you use for your FIRE?
- Level of frugality that you can personally endure or enjoy
- Retirement lifestyles / Cost of living expenses
- Years of freedom i.e. years estimated between FIRE and death.
- Management of the fear of not having a fixed income
- Ability to work hard to increase income before (and after?) FIRE
- Investing style
Personal circumstances outside of your control
- Your IQ. This will most likely determine your salary, especially if you are an employee, not a business owner.
- Age of Children / Grandchildren and expense you will need to pay for them.
- Family situation. Are you divorced, single or married? Each type of lifestyle brings different expense profiles with it.
- Debts, Interest Rates
- Medical conditions
- The age at which you started FIRE
- Inheritance / The size of parent's pockets
Any type of FIRE is ok as long as you are ok with it! In the end, it is about balancing your income from your nest egg vs your lifestyle expenses. Your situation is unique. Leveraging your strengths and managing your weakness is what a well-planned FIRE is all about. Earn as much as you can in the early (and younger) days then figure out how to keep most of it. Retire, have fun and leave the world a better place. Because this will reduce your expenses and it will also have the added benefit of a clean and sustainable world for future animal, insect, plant and human generations.
The mindset of Financial Independence and Early retirement is hard because we have been conditioned to go to school > work > retire and die.
Many people, including your friends and family, will not understand why you want to go against the grain.
Life is yours.
Go get your Fire!
Not investment or financial advice. This is not an endorsement or recommendation to buy, sell or hold. The staff of this site may own the asset/s mentioned on this page. Investing is risky and you may lose all your capital. Do your own research. See full disclaimer.
We receive no direct payments from the mentioned companies. Some links on this page are affiliate links, at no extra cost to you, we may receive commissions when you use them. However, we try our best to keep our articles fair and balanced.
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Because I observed most of the deliberations and actions of Committee 14: Middle East Peacemaking Issues, I watched with interest, via live streaming over the internet, as the committee reported in this morning's plenary. I tuned in a little late and so was not able to watch the whole report but was relieved during what I did watch that the Committee's recommendations were being endorsed by GA Commissioners.
Prior to the Committee report, a letter from representatives of many, if not all, sides of the debate endorsing the Committee's recommendations was released to the public. Here is a link to the letter, which was posted on the Presbyterian Outlook website.


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What is subarachnoid hemorrhage?
It is a type of stroke and the commonest cause is trauma. Non-traumatic SAH is almost always due to rupture of a berry aneurysm. An aneurysm is ballooning of the artery in the brain. Rupture of the aneurysm results in bleeding into the space between brain and skull.
What are the symptoms?
How is it diagnosed?
Each day is a bonus. It is neither a right nor a natural consequence, unless the all powerful Almighty decides so. Things can go totally haywire in a matter of seconds
MARTIN JOHNSONRead More
I am a software engineer based in Hyderabad. I hail from Kerala. I had a cervical disc prolapsed and was advised to undergo surgery at Hyderabad
HARIKUMARRead More


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Trick or Trot Horse Show
The Trick or Trot Horse Show is the final opportunity for exhibitors to accumulate points for the Bridle Path Manor Super Series Year End Awards. In addition to Hunter and Equitation classes, the show will feature costume classes for dogs and horses.
Exhibitors will be allowed to school in the coliseum over fences on Thursday from 4:00 to 10 p.m., and on Friday, Saturday and Sunday from 5:00 to 7:00 a.m.
Classes on Friday begin at 9:00 am, with over fence classes in the Schooling, Hopeful, Low, and Special Hunter divisions, followed by their respective flat classes. After a schooling break, and not before 3:00 p.m., Beginner Rider, Intermediate Rider, Pony, and Limit Rider classes will take place.
Saturday begins with hunter classes over fences at the 2'3" – 3' heights, followed by a variety of flat classes. A mid-day schooling break will precede the finish of Beginner, Intermediate, Pony and Limit Rider hunter classes over fences. The final events on Saturday will be the judging of the Dog Costume and Horse Costume classes and announcement of the winner of the Stable Decorating Contest.
On Sunday we move directly to the Child/Adult classes and Bit O' Straw Hunter Classic at 2'6", followed by Junior/Amateur classes and the Marshall & Sterling 3' Classic. Maiden Walk/Trot, Walk/Trot, Short/Long Stirrup, and Low & Slow flat and cross rail classes complete the day's program, and bring Bridle Path Manor's horse showing season to a conclusion.
Super Series Year End Awards will be given at the annual winter event. Be sure to stop in the horse show office for more information about purchasing tickets.
For class lists or more information about the show, please call or text show manager Kathy Zimmer at 315-727-5391 or show secretary Diana Bome at 315-729-8507.
Additional Dates and Times
Fri, Nov 1, 2019
at 8:00am
Sat, Nov 2, 2019 at 8:00am - 9:00pm
Sun, Nov 3, 2019 at 8:00am - 5:00pm
- Date and TimeThu, October 31, 2019
8:00am - 6:00pm
- Venue
- AdmissionFree Admission
- Contact Phone #315.727.5391


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!! History Commons Alert, Exciting News
Philip Carroll, the chief adviser to the new Iraqi government's oil ministry, and Gary Vogler, another adviser, resign and are replaced by Rob McKee, a former vice president of ConocoPhillips, and Terry Adams of BP Oil. [Muttitt, 2005; Harper's, 4/2005, pp. 75]
Entity Tags: Gary Vogler, Philip J. Carroll, Rob McKee, Terry Adams
Timeline Tags: Events Leading to Iraq Invasion, Iraq under US Occupation
Mike Stinson of ConocoPhillips and Bob Morgan of BP replace Rob McKee and Terry Adams as advisers to Iraq's oil ministry. The British government pays them £147,700 for their work. [Muttitt, 2005]
Entity Tags: Bob Morgan, Terry Adams, Rob McKee, Mike Stinson
Timeline Tags: Iraq under US Occupation
Receive weekly email updates summarizing what contributors have added to the History Commons database
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Teaching and Learning
Teaching and learning at Kitsong will take place in a blended learning environment. This means that learners will engage in a range of different types of activity every day. On one day, a learner is likely to engage in the following activities:
- attend an instructional lesson from a highly qualified subject specialist
- practice by doing a number of individual exercises
- teach friends in a small group
- engage in individual problem-solving activities
- write and re-write a number of similar tests on a tablet pc to master a concept
- watch recordings of a lesson that was not well understood
- participate in a conventional classroom, guided by an excellent teacher
- be creative by writing, making, drawing, singing, coding or doing a science project
Instructional lessons will be done in a well-equipped lecture hall. An expert teacher will use a projector and other teaching aids to deliver a lesson that is clear and interesting. Many of these lessons will be recorded live or pre-recorded in a studio and made available to learners who can then watch them later on their tablets. This allows learners to progress at their own pace and rewind as often as necessary to understand the concept and without delaying others. Many of these lessons will include the whole year group so that everyone can gain equal benefit from excellent teaching.
No sportsman, musician or expert in any field can master a technique without lots of practice and repetition. Learners will be given drill-and-practice exercises to do on their tablets. These exercises will be marked electronically so that feedback is immediate when they finish the exercise. The exercise can then be repeated to keep improving the result, but with randomised questions that are slightly different every time. This is a well-established method of mastering a skill.
Teaching is learning, so every learner must become a teacher and every teacher a learner. No new idea will be fully understood until the learner has become the teacher of that idea. Sometimes peers are the best teachers because they still remember the journey to understanding which has been forgotten by the expert. Each-one-teach-one is an important principle in a blended learning space.
A conventional (twentieth century) style classroom is not the only way to learn but it is an effective way to learn and therefore has an important place in blended learning. An expert teacher facilitating discussion, experimentation, debate, practice or any other learning activity is a proven technique that works well and should be used often.
Problem solving and creative activities take learning beyond what can be taught. Every day, learners need to be challenged with something different to what they have been shown. By doing so, they will learn to create something of their own and to ask their own good questions, which is more important than answering other people's questions.
Some of these activities will be done in a normal class of 20 to 30 learners. Some will be done in larger groups and some will be done in smaller groups or even individually. Recent innovations with the use of technology in schools have shown that this blend of learning environments enhances learning for a range of different learning styles.


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It's time to LOVE where you LIVe at LIV Student!
Opening THIS September, LIV Student will offer TONNES of social space, a community for you to grow in, on site events programme & SO much more!
Oh, and you heard it here first, breakfast (hot drink and pastry or bao bun) is on us every single day from our residents café 👌 Unfortunately, you'll have to get out of that double bed of yours to get it!
Located in the heart of student living, Ecclesall Road. Just a 15 minute walk to City Campus, 10 minutes to Collegiate Campus and a short walk away from supermarkets, bars, cafes & so much more.
If it's a chilled night in with your mates you're looking for, our communal lounge and roof terrace have got you covered. Fancy learning how to make some mocktails/cocktails? We've got a dedicated hosting kitchen for that! 🙌 Like to unwind in the gym? You'll enjoy a FREE onsite gym, fitness studio & virtual personal trainer!
Not a fan of washing up? Sharing fridge space? Nah, neither are we! That's why all our apartments come with half a fridge/freezer PER PERSON, oh and a dishwasher... you can thank us later!
Ready to LIVe your best life? Pop along to our Lettings Lounge to see it for yourself anytime Monday to Friday, 9am-5pm or 10am-2pm on weekends. Not able to make it? Again, we've got you covered - check out our VR online tour!
We can't wait to meet you!
Click here for more info and to submit your application for September 2019.
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