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UK makes bold promises to advance digital infrastructure
An assessment by the UK National Infrastructure Commission highlights areas where investment should be prioritised to prevent shortcomings.
"The whole purpose of the UK's first-ever National Infrastructure Assessment is to think beyond the technologies of today and to ensure we can make the most of future innovations," explains Sir John Armitt CBE.
"It's why it's not just a one-off but something we will be repeating every five years to ensure we remain on the front foot."
The assessment covers a range of infrastructure needs including connectivity, energy, transportation, and reducing environmental impact.
"Whether it's electric or driverless cars, new energy sources, tackling the risk of climate change, or preparing for the newest and fastest broadband speeds, the issues we've been considering profoundly affect people's everyday lives," continues Armitt.
Building a digital society
Earlier this week, Telecoms reported the UK had slipped to 35th in the Global Broadband Speed Rankings. Embarrassingly, 25 other European countries are ahead of the UK on the list.
Part of the reason for this drop would be lack of investment from the brutal austerity cuts imposed by the Conservative government, while another would be the failure of regulatory bodies to set targets and measures which foster innovation and investment from private firms.
Commissioner Andy Green said:
"From businesses who need reliable high speed bandwidth to manage their global supply chains in real time, or families streaming the latest film releases via smart TVs, we are all looking for fast, reliable broadband connections – and so are our international competitors.
We can't afford for any community to be cut off from these essential technologies and so alongside private companies, the Government must also play a role."
The assessment recommends a 'National Broadband Plan' to make clear the government needs to take action to ensure rural areas, as well as our cities, can take full advantage of the digital revolution.
According to figures in the report, switching to full fibre would save up to £5bn in operating costs over a 30-year period while also offering speeds up to 1000Mbps. However, it will take anywhere between 10-20 years to deliver.
Earlier this year, the government declared it had reached its promise of providing 'superfast' broadband access to 95 percent of the UK. However, the same company which compiled the coverage data also warned the UK is likely to fall even further behind in speeds over the coming years.
The commissioners note how falling prices in renewable energy technologies are making them a more viable alternative to rapidly declining fossil fuel supplies. Battery prices have also fallen 80 percent since 2010.
In the report, the commission recommends at least 50 percent of electricity generation to come from renewable sources by 2030.
Professor David Fisk CB said:
"Nuclear power stations will not be coming onstream before the 2030s – so we need to continue encouraging the development of wind and solar energy sources to meet our legally binding climate change targets.
By investing now in building infrastructure, and finding the best low-carbon sources for heating our homes and businesses, costs will be kept down – helped by savings from the switch to low-carbon electric vehicles."
On the subject of transport and switching to low-carbon electric vehicles, there's a pressing need for a greater network of charging points to reduce consumers fear of running out of energy before reaching their destinations.
With this charging infrastructure in place, the commission hopes to target close to 100 percent electric sales of new cars and vans in 2030 – helping to reduce the 80 percent contribution to air pollution by today's vehicles.
Professor Sir Tim Besley CBE said:
"With manufacturers investing billions in developing electric cars, over time these vehicles will become more affordable and attractive to drivers – we need to give them every reason to abandon the internal combustion engine and trust this new technology.
A nationwide network of charging points is essential to achieving this and if we do it right the UK could reap the benefits of quieter, greener cars, and a more efficiently-run and managed energy system keeping them on the road."
The commissioners note the appetite from private companies to install charging points technologies – but they also stress the need for Whitehall, Town Halls, and others to help make that happen.
On the subject of connected car and driverless technologies, the report highlights how driving takes up around 140 hours per year on average – wasted time which could be spent on work or leisure.
Roads and roadside infrastructure will need to be adapted to support these new technologies. A few suggestions include; connecting traffic lights to cars to reduce waiting times, flexible curbs which change through the day, and separate lanes for different types of vehicle.
In order to fund the commissioners' plans, significant investment will be needed from both the public and private sector.
Commissioner Julia Prescot said:
"The National Infrastructure Assessment gives the government the insight and evidence it needs to meet this country's needs in the long-term – to ensure projects are delivered, we also need to build confidence that the funding and finance will be in place.
While Ministers have committed to investing in our infrastructure, we must also look to secure new and innovative ways of funding and financing projects both within the public sector but also from private investors.
The steps we're recommending are designed with precisely this objective in mind, enabling us to make the improvements and innovations we want to over the coming decades."
It's hard to disagree with the commissioners' assessment of what it's going to take to ensure the UK has an infrastructure fit for the future and ready to take advantage of the opportunities presented by new technologies.
However, coming up with plans is the easy bit – securing investment, meeting targets, and ultimately delivering on projects is the difficult part. We've seen little cause for optimism in the ability to do so for quite some time.
A full copy of the 2018 National Infrastructure Assessment can be found here.
What are your thoughts on the infrastructure assessment? Let us know in the comments.
Related Stories
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- » Global 5G network connections will reach 1.5bn by 2025: How Juniper Research sees the market
- » HPE launches Open Distributed Infrastructure Management initiative
- » British internet providers commit to measures helping people isolate
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Right now over at Walmart.com you can score this Instant Pot DUO 6-Quart 7-in-1 Pressure Cooker for just $49.95 shipped (Retail $99.95)!
This Instant Pot features seven cooking options including pressure cooker, slow cooker, rice cooker, steamer, sauté, yogurt marker and warmer. It also has 14 smart programs, an automatic keep-warm function and a programmable timer that can delay cooking up to 24-hours for convenience.

subset: commoncrawl


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Published on April 24th, 2017 | by William Charles64
[Expired] Wells Fargo Visa Signature 20,000 Point Bonus – Worth $300 Towards Airfare & 5x On Gas, Grocery, Drugstores
This bonus has expired and is no longer available. Click here to see a list of the best current credit card bonuses.
The Offer
- Wells Fargo is currently offering a bonus of 20,000 points after $1,000 in spend within the first three months
Card Details
- Card earns at the following rates:
- 5x on gas, grocery & drugstores for the first six months. Spending cap of $12,500
- 1x on all other purchases
- No annual fee
- Points are worth an extra 50% when redeemed for airfare (e.g $300 points is worth $450 towards airfare)
- Cell Phone Protection
Our Verdict
I mentioned that Wells Fargo has increased the sign up bonus on some of their cards to $200, but thought this card in particular was worth singling out for two reasons:
- It offers 5x on gas, grocery and drugstores within the first six months. It's no longer possible to put high spend through these categories, but you can still put some spend towards them.
- Points are worth an additional 50% when redeeming for airfare. Flights must be booked through Go Far Rewards. The cost of the ticket is divided by 0.015 and then rounded up to the nearest whole point.
The good thing is that the Wells Fargo Propel World card also earns these Go Far Rewards points (and you can still get a 40,000 point sign up bonus on that card). That means rather than getting $400 in cash with that bonus you could get up to $600 in airfare (combined with another $300 in airfare with this card).
In addition to this there is a hidden benefit of this card where you actually get 1.75x per point towards airfare when you spend $50,000 or more in a year. Like most bank travel portals, some airlines aren't bookable (e.g Southwest), they also used to charge a $24 fee per airline ticket but this stopped being charged on July 1st, 2016.
As always before applying for this or any other Wells Fargo card make sure you read through these things everybody should know. We will also be adding this to our list of the best credit card sign up bonuses currently available.


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Five Star Music artiste Skiibii was on air yesterday at Cool FM where he had a chat with Dotun Kayode about his death controversy.
In the chat he addresses the rumours and explains that he usually has blackouts, where he'd just pass out either due to excitement or anxiety, and that was what happened to him on that particular day.
He explained that he's been crying since the incident and he was shocked when he woke up to read several RIP messages.
He was even more shocked to read that people thought it was a stunt.
In the Cool FM studio, Kcee and Harrysong were also present.
Kcee announced that he had fired his longtime manager and friend, Soso Sobrekan, and he also took a moment to apologise to Nigerians for the scandal.


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Home > Uncategorized > I'l be reminding you about this for a couple of days
I'l be reminding you about this for a couple of days
May 14, 2003 Leave a comment Go to comments
Thursday night/Friday morning, the Late Night With Conan O'Brien show will be done entirely in clay animation.
This is more than mildly important. This may be the coolest late night stunt ever! They have taken an episode from October and completely redone it with claymation.'
The guests: Johnny Knoxville, Richard Lewis, David Bowie and Mr. T!!
If I forget this, I'll be pissed for months. Months I tell you! Help me remember and I will do likewise!!
Categories: Uncategorized


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Am i not lucky!? I just bagged 2nd in the KTA asian tour 2012 womens freestyle! So awesome! And i just scored a brand spanking deal with some new brands too so its been a really awesome month! I thought i am not really gonna make it out here to thailand because my finances have been dwindling down but i just got to stay positive and believe its gonna happen and it did <3 i am now staying in Pak Nam Pran and i fell in love with the place in a different way this time, went here last year and it was a different vibe too. This year there is a new rixen cablepark just near pranburi which is around 45mins to the kite spot. So its a perfect place to go to enjoy some decent rails when the wind is not blowing! Did i mention that the kite spot is amazingly beautiful with a flat lagoon when its low tide and perfect set of kickers when the tide is up! I cant really say anything less than a <3 so ill be here for the rest of the month then quick stop in HK at the Cabrinha HQ and then Bay area baby!!! Whooop whooop! I am having a blast but i really miss some friends too!
Caveman and Pacman+Sarah, This post is for you! Miss you guys!


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OK, I removed the plastic cases and it significantly reduced mirrors shakiness. It looks like cases mass amplifies vibration.
Ordered original CRG side bar mirrors adapters https://www.amazon.com/gp/product/B0...?ie=UTF8&psc=1
I hope it will reduce mirrors vibration. Currently I use the adapters from the old Chineese side bar mirrors and they have slightly smaller diameter than the CRG mirror clamps.
Working on Scorpio i900 motorcycle alarm remote protective case. Stay tuned!
Wow, the ignore list works great, goodbye Teabag !
The spring keeper broke on the shift detent plate and that kept it from shifting. Was was able to get home in 3rd gear (thank you torque) and tore it down. A little fishing with a small magnet extension turned up the broken halves of the old spring clip and, with a trip to the Texoma Harley-Davidson, I was able to locate a new clip for less than $2. I filed the rough edges off the detent plate and buffed it out, made sure the shift drum pins were all equal lengths and put her back together. I was able ride around the rain showers to test it but it seems fine now. If it happens again I will pull the transmission, pull the shift drum and tap it for a retaining bolt. It shifts good now with a neutral that is easy to find.
Replaced my clutch cable. Piece of cake. Much softer feel too.
The old timers on here are fully aware of protecting your XB clutch cable from vibration rubbing a hole into your clutch cable. I unfortunately didn't heed this advice and noticed some fluid on the floor under my 06 Uly. Turned out that I had a hole in my cable and it leaked. So, I had to change the cable out, this time with some electrical tape wrapped around the area that contacts my plastics. Just an FYI for the newer members.
Good advice. Your clutch cable and your CPS wires are susceptible to rubbing on the chin fairing. Some tape, wire armor, or a peice of fuel line like I did on mine all a good idea to protect those 2 parts.


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Opening of the Hearing Institute - Group leader positions
In order to do so, it will bring together teams of scientists from diverse fields, ranging from biophysics, acoustics, neurobiology, molecular and cellular biology, and genetics, to bioinformatics and computational neuroscience, all highly committed to interdisciplinary research. The Hearing Institute, which will be associated with a dedicated clinical center, also aims to develop innovative therapeutic approaches (from engineering solutions to pharmaceutical and biological agents) to hearing and balance disorders.
The Hearing Institute and the nearby Vision Institute will form a campus at the cutting edge in basic sensory neuroscience and related innovations towards patients. It will also enjoy close interactions with Institut Pasteur and the Université Pierre et Marie Curie. The Hearing Institute will house core facilities for electrophysiology, imaging (cell, sensory organ and brain), biochemistry, molecular and cellular biology, bioinformatics, genetics and behavior and will have its own animal housing.
Sponsored by the Bettencourt-Schueller Foundation, the "Agir pour l'Audition" Foundation and the "Voir & Entendre" Foundation, the Hearing Institute will be run under the auspices of Université Pierre et Marie Curie (UPMC-Paris-Sorbonne Universités), the French National Institute of Health and Medical Research (Inserm), Institut Pasteur, the French National Center for Scientific Research (CNRS) and Collège de France.
The Hearing Institute will open in April 2018.
Group leader applications
Various funding opportunities are available. Both senior and junior group leader applications will be considered. Appointments will be made from junior to senior level, depending on experience. Preference will be given to ambitious objectives addressing major challenges in the above mentioned fields.
The deadline for applications is January 15th, 2017.
P.I.s selected by the Hearing Institute's Scientific Committee will be contacted directly and invited for interviews in March-April 2017.
Applications must include:
- A full CV, including a list of publications
- Past and current research achievements (2 pages)
- The research proposal (5 pages)
- Two letters of recommendation
They should be sent to Pr. Christine Petit:
, who can also be contacted for additional information, and Patty Manent, Executive Secretary:
Photo by vib architecture
Rare disease day 2017
The Rare Disease Day - held on the last day of February since its first celebration in 2008 - serves to raise and deepen awareness of rare diseases among the general public, public authorities and decision-makers.Read more
Opening of the Hearing Institute - Group leader positions
The Hearing Institute, an auditory neuroscience research institute, will open in April 2018. Various funding opportunities are available. Both senior and junior group leader applications will be considered.Read more
Vision Innovation
En partenariat avec l'Institut de la Vision, le congrès Vision-Innovation© se déroulera le 10 février 2015 à la Maison de l'UNESCO.


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South Africa is celebrating the world's first lion cubs born through artificial insemination, which experts say is a pioneering moment in the conservation of the big cats.
The fluffy pair were born on August 25, 2018 at the Ukutula Conservation Center in the North West province.
They were conceived through non-surgical artificial insemination using fresh semen collected from an adult male lion by joint research between Pretoria University and the Ukutula Conservation Center, headed by PhD student Isabel Callealta.
Ultimately the researchers would like to find the protocol to be able to use frozen sperm, which will be the key to ensuring the survival of lions if number get low.
The birth of these two lion cubs through artificial insemination is a major scientific breakthrough.
In honour of Dr Callealta and her fiance, the cubs have been named Isabel and Victor.
Dr Callealta, who is also Ukutula's vet, said: "It was really, really exciting actually because we all knew that the female was pregnant.
"But it's that moment of seeing that finally the cubs are there and that they are healthy, and that they are happy calling for their mom! It was a really exciting moment."
Little is known about reproductive patterns of lions and other big cats. Yet, several are on the United Nations endangered wildlife list. Callealta studied Ukutula's population of 40 lions to gain more insight.
A team of scientists from the University of Pretoria studied the reproductive physiology of the female African lion and the development of artificial insemination protocols for this species, which could be used as a baseline for other endangered large wild felids.
"We trained the lions to co-operate in terms of sample collection which refers to blood and feces. And after that we also included behavioral observations to find the right time for the lion to be receptive and then tried at several points in time with different individuals of the artificial insemination protocol," said Professor Andre Ganswindt, behavioral endocrinologist of Pretoria University.
Lions, tigers and cheetahs are under threat of extinction because of poaching, trophy hunting and human-wildlife conflict. Wild cat populations have been wiped out in half the countries in Africa. It's hoped that in-vitro fertilization will help prevent these creatures from disappearing on the earth.
There are only about 20,000 lions left in the world. They are extinct in 26 African countries and have vanished from over 90 % of their historic range.
For Callealta and her team, there's still more work to be done, but this was an important step to ensuring the lion's survival and that of other felids.


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REPORTS TO: Section Coach or Team Leader
This position performs welding of flange and bracket systems.
Weld flange and bracket systems to target and quality specifications.
Performs setups and weld product and must safely operate assigned machinery.
Correctly enters production and scrap into the stock reporting system.
Ensures that welding equipment is in good operating and safe working order.
Meet or exceed set production targets where applicable.
Meet or improve on defined set up time.
Ensures jobs are set up properly and all components fit before beginning to weld.
Performs basic maintenance functions on machines and tooling.
Performs and records rework where applicable
Report existing or potential machine problems to the Coach or Team Leader.
Keep area, machines, tools and equipment clean, organized and clear of debris.
Ensure that machines safety protocols are all functional and that the job set up is in a safe condition.
Must use correct PPE and dress safely for the job.
Must demonstrate very strong aptitude for welding fast and accurately.
Possess requisite math, writing, reading and communication skills.
Must demonstrate proper use of data sheets after training.
Data entry skills are a plus.
Ability to manufacture good quality product at the set rate of output.
Able to lift up to 30 lbs.
Ability to maintain production rates to department standards.
Ability to correctly set up and run the product in the correct order.
Ability to correctly follow and give instructions.
Must be able to communicate well with others and have good organization skills.
Ability to work consistently without constant supervision.
Steel toed shoes required, no sleeveless shirts allowed.
Hours as assigned with the probability of overtime during the week and on Saturday.
High School Diploma or equivalent
Manufacturing experience a plus
Manufacturing Plant Environment -
Machinery = 90% of time used
Position and % of time in position -
Standing/Walking = 90%
Lifting = Some up to 30 lbs.
Pushing/Pulling = Some Required
Condition and % of time –
Summer Heat = 50%
Winter Cold = 50%
Noise = 100%
There are 3 ways to apply for this position. Choose One.


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Who's the tops of the blocks at Recycling?
People living in our tower blocks have done a great job in recycling their waste using the chutes.
But we can always do better; so we issued a challenge to eahc block to improve their recycling.
Whitebeam won with an incredible 13% improvement!


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The aesthetics of mapping
Kent, A. J. (2013) The aesthetics of mapping. In: ICA Commission on Map Design Workshop "Mapping in a Digital World", 24th August, 2013, Dresden, Germany.Full text not available from this repository.
|Item Type:
|Conference or Workshop Item (Paper)
|G Geography. Anthropology. Recreation
G Geography. Anthropology. Recreation > GA Mathematical geography. Cartography > GA0101 Cartography
|Faculty of Social and Applied Sciences > School of Human and Life Sciences
|Depositing User:
|Dr Alexander J. Kent
|Date Deposited:
|07 Oct 2015 14:44
|Last Modified:
|04 Oct 2016 15:21
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Startup Logos: Design DOs and DON'Ts
April 4th, 2019
9 min read
Successfully running a startup accelerator can be compared to being tasked to completely stop the Brexit whilst juggling three baby tigers as your hair is set on fire. There's a lot going on and things can go bad quickly if you aren't careful. That being said, there are certain topics we tend to cover in every class – finance, legal stuff, finding funding, and so on and so on. But our level of support doesn't end there for our startups, we keep an eye out for anything we can suggest to our startups to help them improve.
Our topic of the week lies with proper startup logo design. It's a thing that every startup is going to have to go through, but sadly it is something that also typically gets overlooked, and doesn't get as much love as it should. This is really unfortunate, because after all, your company's logo can be the first impression left on a person.
A startup in our current class (class 8) called idatase has developed a product called Netlume. Netlume is a software solution the enables companies to fail fast and efficiently, so decision makers can quickly asses all weak points in their solutions and address them accordingly before too much money and time is wasted. This is some serious innovation happening, but sadly their logo was leaving a lot to be desired. They were brave enough to let me dissect their logo for the purpose of this article in order to help the greater good of all startups, and I look forward to see how they'll move forward with their branding in the future. So to start, let's take a look at their current logo:
And without further ado, shall we begin?
5 Tips for successfully designing your first startup logo
1 – Design in black and white first. Add color LATER.
Good startup logo design begins with structure first. Colors are a detail that comes later in the process. So if you're going to take on designing your logo yourself, do so, and finish it in black and white first. The reason for this, is because if it can stand on its own in black and white, it can stand well when a color scheme is added. This does not work the other way around.
Don't believe me? Then let me give you a scenario:
Imagine you're doing good with your startup, and you've designed it using 4 different shades of yellow. You get invited to a prominent trade show where your startup will be featured on print materials and logo walls all around the event and the graphic boss of the event tells you that your logo is going to be placed only against white backgrounds. Yep, now you're screwed. You ever try to see light yellow shades on a white background from afar? It doesn't work too well.
That's exactly the point here, if your logo stands well in black and white, it means you can also knock it back to a single color depending on the use it is going to have.
"If it can stand on its own in black and white, it can stand well when a color scheme is added."
Verdict on Netlume Logo: 8/10
The logo doesn't actually do too bad here. Since it only is two colors, I can imagine that taking it into all black or all white would not harm the integrity of its design.
SpinLab Insider Tip
When you're ready to add color to your logo design, it can have a tremendous psychological impact on how your brand is perceived. We recommend checking out this guide to review what color means on some worldwide known brand-logos.
2 – View your logo from afar to see how it stands in different sizes
I've met a lot of people who have had some pretty cluttered logos, and that is because they design it the entire time on their monitor using 120% zoom, which in turn creates a false positive. Take a step back, zoom out, and see how your logo functions once it is small…Need a perfect example? A BUSINESS CARD! This is likely the smallest your logo will ever be presented, so you need to insure that the logo is legible at this size, and doesn't take up too much space on the card that you cannot add important company information!
Verdict on Netlume Logo: 4/10
Here the logo suffers quite a lot. I tried my hardest to get the digital display of my monitor to true business card size, where a lot of the logo just gets lost at this size. The red parts become almost unreadable, and the actual company name gets kind of lost as well. It could work if you made the logo bigger on the card, but then you're losing space for contact information.
3 – In 2019, square-based logos are the standard
In my opinion, this was always the case as it is typically easier to incorporate quadratic designs into other design elements as opposed to a rectangular design. But the game changer that startups need to pay attention to nowadays is social media.
Yeah, all those areas to upload a fancy photo for your company pages (which 100% should be your company's logo and nothing else) are all S-Q-U-A-R-E-S! So to make as much of that space as possible, and to be easily recognizable for your audience, go with a square-based design.
Verdict on Netlume Logo: 4/10
The logo suffers here as well as it is predominantly rectangular.
SpinLab Insider Tip
The actual SpinLab Logo is actually also horrible for social use as we have a distinctly rectangular logo, the solution I found for this was simply to designate the cotton ball to the left as our "secondary logo" so this is what shows on all of our social profiles. It's ok to have a secondary logo for your brand, but it must definitely reinforce the main logo, not be a completely second entity! The SpinLab cotton ball is a perfect example of this, as it is a direct part of the main logo. But could you imagine if Nike suddenly said, "Ok from now on our secondary Logo is going to be star with 16 points."
This would not work at all, because the continuity of the logo and brand would be lost.
4 – Your logo should tell a story
To be clear from the very start on this point, your logo should not try to explain your brand's entire identity, how the team met, what the market looks like, how many lines of code are in the product, etc. That would be way too much work, and would likely result in you having a logo that is just cluttered and not very pretty.
What you ABSOLUTELY SHOULD do, is try to incorporate some kind of story in your logo that pays respect to the problem you're trying to solve and/or the company's history. Below are some of my favorite examples from global brands:
- The famous NIKE Swoosh represents Nike, the Goddess of Victory in Greek Mythology. A perfect match considering what the brand creates, but the swoosh itself is symbolic of one the motions and sounds the Goddess's wings would make, which represent speed.
- BMW's iconic blue and white circle is recognized around the world as a symbol of engineering marvel, but what actually are those blue and white quarters within the circle? They actually represent an airplane propeller in motion, which pays homage to the company's roots in aviation.
- Amazon's famous smile at the bottom of their logo is pretty easy to recognize, as it represents their devotion to customer satisfaction. But did you know that the arrow that represents the smile is actually connecting the letters A and Z? This is a mention to Amazon's commitment to offering a marketplace that offers everything from A to Z.
So give it some thought, because if you manage to reach that infamous unicorn status, you want to have something better to say than "Oh it looked cool" when asked about the meaning of your logo.
Verdict on Netlume Logo 7/10
According to the founders, the various hexagons represent the internal system for the product their developing, so in their case the story is actually completely present.
5 – Think ahead when including words in your logo
Unnecessary words should absolutely be left out of your logo. They take up space, and just make the logo look more cluttered.
Things like the company name can, and from the beginning, should, be included in logo design. But think about how the logo stands when you pull that away, can it survive? Apple, Nike, Starbucks, and many others have all evolved their logos to now stand alone without the brand name, can yours do the same?
Granted these are industry giants, but on a more feasible note, having too much text on your logo can make it very hard to print on certain mediums, such as cloth for t-shirts. The more you can minimize the use of text in your logo, the better. Good design is one thing, but delivering your logo so other people can reliable print and use it is something else. For tips on properly logo delivery and technical specs, check out our guide on presenting your logo perfectly.
Startup logo design doesn't have to be hard
If you're just starting out on your branding journey, or you're a founder looking to re-brand, we hope these tips have been useful. What do you think of the tips discussed, and more importantly, what do you think of Netlume's logo? The founders are looking for input to help them re-brand, and we'd love to hear your inputs in the comments below!
If you are a founder and are looking to get more personalized support just like this, for no cost at all, be sure to click one of our apply buttons and check out what our program can offer you.
About the author
Shawn Segundo is the marketing manager at the SpinLab. He's worked extensively with all company sizes from startups to enterprise clients while working as an online marketing consultant in both the United States and the European Union. Follow him on Twitter @shawn2nd


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The Saints lost their next six that year and held the NFL Jerseys Authentic No. Had Bonds heeded his teammate's advice, he certainly fields Cabrera's line drive more quickly, and there's a very good his throw gets Bream. Peppers played safety, linebacker, and wide receiver among other positions at Michigan, and Ravens defensive coordinator Dean Pees loves versatile players, just as special teams coordinator Jerry Rosburg loves game-breaking returners. I can tell a huge difference with the strength arm and the mobility and the flexibility that I've been getting, said Wacha, who went 7 with a 4 24 starts last year. 5: Hulbert, executive, owner, league president, 1871, Hall of Fame inductee 1995. His father also told him he enjoys chopping wood because it's one-on-one. He performs and he delivers. Lecturers are often surprised when they use their favourite illustration of some point, from a film or TV series the early 1990s, only to realize that their 18-year-old students were not yet born when the show was running, and of course they don't get the intended analogy. Woodson is the fifth Purdue player to be elected the last 11 years, following quarterback Mike Phipps 2006, quarterback Herrmann 2010, halfback Armstrong 2012 and defensive tackle Dave Butz 2014.
I look at opponents Corsi when not against the particular player. 2 option for the Eagles. Additionally, if it works out the Thunder could retain him, and if not, they can simply move on. He batted .284 .907, which are outstanding numbers for 22 years at the Hockey Jerseys Cheap plate. The easy answer is 23-year-old , who is coming off back-to-back wins that featured a score of 59 last week and 8-iron of 235 yards a week earlier. These issues do not affect life personally now or probably not even the future but that doesn't mean it doesn't affect other people today or affect them their futures. First of all, you are talking about ambitious player. While the Patriots are stocked and healthy at quarterback, their receiver position is another story entirely. Like its predecessor, Higher Time was recorded at The Diamonds studio Cincinnati by Brian , and search of an even more expansive feel, , and Brian traveled to mix the album alongside Black Keys engineer Collin Dupuis at Easy Eye Nashville, TN. In Week 8, Wheaton made 5 catches for 56-yards and caught his first career touchdown a 51 victory over the Indianapolis Colts.
The year, according to someone who knows him well, took a mental toll. The paving gets underway this fall and there are plans later to add lighting and to improve access to a tunnel under Highway Wholesale NHL Jerseys 3 that it can be used by wheelchairs, mobility scooters and bicycles. 1 their midterm report.


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The genetics responsible for frequency-specific hearing loss have remained elusive until recently, when genetic loci were found that affected high-frequency hearing. Now, a study published today in the open access journal BMC Genetics reports, for the first time, genetic loci with effects that are limited to specific portions of the hearing frequency map, particularly those that are most affected in ageing-related hearing loss.
Presbycusis is the loss of hearing for high-pitched sounds that gradually occurs in most individuals as they grow older. Although many genetic loci have been linked to hearing deficits in humans, many loci that contribute to tonotopy, i.e. the organization of the auditory system that permits detection and discrimination of sounds of different frequency, remain undiscovered.
A group from the National Institute on Deafness and Other Communication Disorders (NIDCD) at the National Institutes of Health (NIH), used genome-wide linkage analysis in NIH Swiss mice to successfully identify two quantitative trait loci that affect hearing at high frequencies - Hfhl1 and Hfhl3. Specifically the effect of the locus Hfhl1 is thought to be confined to hearing frequencies from 25-44kHz of the tonotopic map, whilst Hfhl3 is restricted to the 35-44kHz region.
Lead author James M Keller commented, "Our results support the hypothesis that frequency-specific hearing loss results from variation in gene activity along the cochlear partition and suggest a strategy for creating a map of genes that influence differences in hearing sensitivity and or vulnerability in restricted portions of the cochlea."
He continued, "The high-frequency hearing loss loci, Hfhl1 and Hfhl3, explain only a portion of the variation in high-frequency hearing loss observed in these mice. Other loci, and cross talk between genes at different loci, probably account for much of the remainder - in fact we detected a number of additional loci that could account for some of the residual variation. Additional genotyping and analysis could greatly increase our understanding of the genetic architecture of the HFHL phenotype."
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Notes to Editors
1. Genome-wide linkage analyses identify Hfhl1 and Hfhl3 with frequency-specific effects on the hearing spectrum of NIH Swiss mice James M Keller and Konrad Noben-Trauth BMC Genetics (in press)
Please name the journal in any story you write. If you are writing for the web, please link to the article. All articles are available free of charge, according to BioMed Central's open access policy.
Article citation and URL available on request on the day of publication.
2. BMC Genetics is an open access, peer-reviewed journal that considers articles on all aspects of inheritance and variation in individuals and among populations.
3. BioMed Central (http://www.


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Silver Peak Unity EdgeConnect SD-WAN solutions enable enterprises to dramatically reduce the cost and complexity of building a WAN by leveraging broadband to connect users to applications. By empowering customers to use broadband connections to augment or replace their current MPLS networks, Silver Peak improves customer responsiveness, increases application performance, and significantly reduces capital and operational expenses by up to 90%.
Three components comprise the Unity EdgeConnect SD-WAN solution:
1. Unity EdgeConnect physical or virtual appliances (supporting any common hypervisor) deployed in branch offices to create a secure, virtual network overlay. This enables customers to move to a broadband WAN at their own pace, whether site-by-site, or via a hybrid WAN approach that leverages MPLS and broadband internet connectivity.
2. Unity Orchestrator, included with the Edge-Connect solution, provides unprecedented levels of visibility into both legacy and cloud applications with the unique ability to centrally assign policies based on business intent to secure and control all WAN traffic. Policy automation speeds up and simplifies the deployment of multiple branch offices and enables consistent policies across applications.
3. Unity Boost is an optional performance pack that combines Silver Peak WAN optimisation technology with EdgeConnect to create a high performance SD-WAN solution. Boost allows companies to accelerate performance of latency-sensitive applications and minimise transmission of repetitive data across the WAN in a single, fully integrated SD-WAN solution.
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Quick LED remote holder CAD design for 3D printing.
I recommend standard PLA settings with supports for printing with PLA. Can be printed with or without "Raft" depending on your printer and environment conditions.
Example photos show it printed with glow in the dark PLA for visibility in dark.
Can be mounted easily with screws or double sided tape.
When used in space (Space Design Contest). It will prevent remote from floating (even when upside-down) and help keep it in designated area. Print it with glow in the dark material for visibility in the dark.
Design Files
File Size


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Baci Perugina Milk Chocolate Egg, 9.38 oz (266g)
Baci Perugina Milk Chocolate Egg - 9.38 oz. (266g)
The Perugina chocolate eggs are an Easter staple! There is a secret behind the Baci chocolate kiss: One whole hazelnut is sumptuously wrapped in a dark, bittersweet chocolate that is rich and velvety smooth. It is also filled with a whipped milk chocolate that is blended with freshly-chopped hazelnuts. Each piece of decadence is then wrapped with a love note that will get your heart fluttering. What a perfectly tasty (and romantic!) Valentine's Day gift for that special someone! Say "I love you" the Italian way with a box of Baci confections.
CONTENTS: one large milk-chocolate-style egg with 4 milk Baci inside.
Ingredients: sugar, hazelnuts (29%), cocoa mass, cocoa butter, whole milk powder, butterfat (milk), emulsifier (sunflower lecithin), flavoring. Contains nuts, milk.
Product of Italy
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Chinese Vessels First to be Fitted with C-Max Anodes
Chinese vessels are first to be fitted with Cathelco C-Max ICCP anodes, first will be a bulk carrier at Fujian Crown Ocean Shipbuilding yard
Cathelco, manufacturers of ICCP hull corrosion protection systems for ships and FPSOs, have launched a new generation of anodes which combine higher performance with a number of unique features to simplify installation.
The new C-Max anodes are available in a range from 50 amps to 300 amps covering the requirements of all types of vessels from small ferries and workboats to the largest VLCCs and container ships.
The anodes are available in linear or disc designs. In the case of the linear anodes, current is emitted from one or more tubular elements (tubes) produced from titanium with a coating of mixed metal oxide. These are mounted on an integral backing shield made from strong, but lightweight ABS plastic.
One of the most important features is that they are diver changeable, allowing them to be installed or replaced when the vessel is in drydock or at sea. They are also considerably lighter and easier to handle than existing anodes with the largest 300amp anode weighing only 14 kg.
Quicker and more accurate tightening is achieved through the use of self-snapping torque nuts. When the correct torque is achieved using an ordinary wrench, the top section of the nut snaps off leaving the lower section in intact for future use. No torque wrenches are required, greatly reducing the time and effort taken by divers when anodes are changed at sea. In addition, the nuts are yellow for increased visibility underwater.
The electrical connection is made through a single connecting rod which simplifies the task for the diver at installation and when the anode needs to be changed.
One of the first vessels to be fitted with C-Max anodes will be a bulk carrier (Hull GH405C) which is currently under construction at the Fujian Crown Ocean Shipbuilding yard in China.
As the vessel has a length of 190 metres, it will be equipped with forward and aft ICCP systems. The forward system will consist of two 50 amp disc anodes mounted port and starboard, whilst the more powerful aft system will have two 150 amp linear anodes with power supplied from modular control panels.


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The Zombie Apocalypse Is Here! (Video)
Today, we live in a very interesting time because all over the world people are waking up and becoming more alive. Unfortunately, most people are still spiritually asleep and acting like reanimated corpses, also known as zombies. The evidence of this can be found in many words that people use on a regular basis.


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Product Description
Each necklace is made to order with a genuine blue tiger's eye cabochon stone mounted on a silver bail and hung on your choice of either a real leather cord necklace or a sterling silver box chain with a lobster clasp. The blue tiger's eye cabochon stone has a great shape and a smooth flat surface.
The necklace is handmade; the blue tiger's eye cabochon stone is carefully selected for its size, symmetrical shape and coloring. This is a unique one of a kind handmade necklace for those who enjoy reiki, healing stones, crystals and the metaphysical. The necklace comes from a smoke free environment and was made in the USA.
The blue tiger's eye cabochon stone measures approximately:
1.0 inch x .65 inches x .6 inches
Please note: because the stones are authentic / natural stones, the necklaces and stones are all different and unique please look through all photos to get a sense of what yours will look like. While the stones are each selected due to their similar shape, color and texture there are some minor differences each necklace is unique and no two necklaces are the same.
Stone Name: Blue Tiger's Eye
Specifics: Stone of Vitality / Stone of Grounded Balance
Stone Color: Blue
Stone Origin: The ancient Egyptians used Tiger's Eye to transmit the power of the Sun God Ra, to create material success.
Hardness: 7
Magical Powers:
~ Encourages one towards practical and physical action
~ Lends vitality to the demands of physical life.
~ Aids in seeing both sides of the situation.
~ Enhances strength and creativity.
~ Promotes inner calmness and centeredness in the face of difficulties and challenges.
~ Assists one if finding equilibrium in the mental and emotional states.
~ Assists in treating the eyes.
Properties or Characteristics:
Element: Fire, Earth
Chakras: Root (1st), Sacral (2nd), Solar Plexus (3rd)
Composition: Silicon Dioxide
Anniversary: Tiger's Eye is the accepted gem for the ninth wedding anniversary.
Notes: To dream of the Tiger's Eye symbolizes a need for one to keep alert; that someone has raised a veil of illusion to keep a truth hidden.
Part# C51242


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A lot of resellers deal in large quantities of the latest retro and hyped releases, but there are still some rare and unique shoes out there if you search enough. And some of those sneakers can be found right here on Sole Collector's Marketplace, which offers a platform for members to buy, sell, or trade sneakers with other sneakerheads. We've tracked down the best offerings currently available, which you'll see below. As always, we can't vouch for the legitimacy of the sellers, so buy at your own risk. Be sure to stick to our marketplace safety guidelines if you're on the hunt for any of these sneakers.
Under Armour Curry One "MVP"
Price: $400
Size: 11.5
Seller: DaReal08
A collectable NBA MVP sneaker that's not made by Nike? Welcome to the Steph Curry era. And at the rate he's going, it won't be the last MVP sneaker that Under Armour drops for him.
Nike Air Force 2 "ESPO"
Price: $375
Size: 12
Seller: dunkfever
Before there was such thing fake clear Air Jordans (and legit clear Air Force 1s), there was the ESPO Air Force 2. It dropped as part of Nike's 2004 Artist Pack that also included collaborations with Pharrell and Halle Berry. The highlight of the pack however was with legendary graffiti writer Steve Powers, aka ESPO, whose take on the Air Force 2 went on to inspire the trend of see-through sneakers.
adidas x Hypebeast Ultra Boost Uncaged
Price: $410
Size: 11
Seller: NAaaV_
Kanye's Yeezy line may have created the most hype for adidas in 2015, but it was the Ultra Boost that we (as well as our readers) named their best shoe of the year. This collaboration with Hypebeast built on what customizers had already been doing by removing the shoe's midfoot cage to create a more minimal take on the design.
Jordan 23/501 Denim Pack
Price: $1,000
Size: 10
Seller: ricUK
While it was hardly attainable as a Tier Zero-exclusive release, Jordan Brand's joint effort with Levi's is notable for being the brand's first collaboration to actually hit multiple retailers. Exclusivity aside, there was another downside—the shoes and denim were locked into a specific sizing ratio. As the shoes got bigger, so did the jeans. That meant if you had big feet and a small waist, one or the other wasn't going to fit.
Nike Air Force 1 "HTM"
Price: $350
Size: 12
Seller: fatboy1111
During a time when wild colors were beginning take center stage with sneaker collectors, Nike unleashed a collaborative project with Hiroshi Fujiwara, Tinker Hatfield and Mark Parker, known as HTM, with designs focused on refined looks and high quality materials. This black croc edition was from the second series of releases and was limited to 1,506 pairs.
Air Jordan 10 "Sacramento"
Price: $400
Size: 9.5
Seller: hustlinhusky22
News recently hit that a "City Pack" of Air Jordan 10 Retros was on its way, however it won't be the same as the original Chicago/New York/Orlando/Seattle lineup. Also notably missing is this black and purple Sacramento version.
Nike Shox VC 3 "Tuskegee Airman"
Price: $400
Size: 9
Seller: luvhoopin
Nike's 2004 pack honoring the Tuskegee Airman included an Air Raid, Air Force 1 Mid and one of Vince Carter's last signature shoes, the Shox VC 3. Its details featured colorful nods to planes flown by African-American World War 2 pilots.
Air Jordan 16 White/Midnight Navy
Price: $460
Size: 9.5
Seller: USC864
Only one colorway of the Air Jordan 16 has only retroed since its 2001 launch. That means you'll need to stick to OGs if you want to get your hands on most 16s, including this White/Midnight Navy edition.
Air Jordan 20 "Quickstrike"
Price: $350
Size: 12
Seller: Fatal Lightning
The "Quickstrike" colorway of the Air Jordan 20 released in 2005 on the same day as the "Stealth" edition, albeit in more limited quantities. While hardly a true quickstrike, they were the more limited of the two releases, only hitting select Jordan Brand accounts.
Jordan Jumpman Team Pro 2 "Ray Allen PE"
Price: $600
Size: 13
Seller: dankenstien88
The Jumpman Pro is one of the few team models from the Jordan line that's been accepted by collectors, and was first worn by Ray Allen during his Bucks days. The follow-up to that model, the Team Pro 2, was also favored by Allen, as evidenced by this player exclusive edition.
Nike Dunk High "Coraline"
Price: $600
Size: 11
Seller: tryitonce2
Nike helped promote the release of the 2009 stop-motion movie Coraline with a limited edition collaborative Dunk. The most exclusive of these pairs came in a wooden case and included actual props from the movie.
Nike Dunk Low SB "Cezar Gordo"
Price: $333
Size: 9.5
Seller: KartStar92
Nike SB honored Brazilian team riders in 2008 through a series of custom Dunk Low SBs. Cezar Gordo's edition, seen here, featured headphone wire graphics on the upper and outsole, and was limited to 480 pairs.
Nike Trainer 1 P.E. "Lights Out"
Price: $630
Size: 11
Seller: nystatenisland
Before Manny Pacquiao's fall from grace, it was a regular occurrence for Nike to commemorate his fights with exclusive sneakers. At the height of their partnership came this glow-in-the-dark sneaker, dubbed "Lights Out," in honor of his KO victory over Ricky Hatton.
Nike Air Force 1 Low "Taiwan"
Price: $650
Size: 10
Seller: damruff
Thanks to strict design guidelines, it's fairly rare to see a Nike shoe with major alterations to the Swoosh. The "Taiwans" have been a longtime favorite of AF1 collectors thanks to their gradient variation on the logo.
Nike Air Max 1 "112"
Price: $840
Size: 13
Seller: jli45
DJ and sneaker aficionado Clark Kent has been know to bring his trademark combination of elephant print, 3M, and neon green to various Nike collaborations over the years, but fans have had few opportunities to actually own them. This Air Max 1 did hit retail though, along with similar versions the Air Force 1 and Air Trainer 1.
Nike AJKO "OG"
Price: $950
Size: 7.5
Seller: snide
Sneaker collectors were supposed to finally be able to get their hands on a retro release of "Bred" AJKOs in 2015, only to have the launch canceled thanks to quality issues—aka, mold. While the limited quantities made their way to overseas releases, OGs remain one of the few options for those trying to hunt down a pair.
Air Jordan XX3 Premier "Finale"
Price: $1,000
Size: 8
Seller: the_king
The highly coveted "Titanium" Air Jordan 23 may be the most well-known and beloved colorway of the model, but it's only the second-most rare. Only 23 pairs of the "Finale" released at Jordan Brand's top 23 accounts in the U.S., while the Titanium launch also included 23 overseas retailers.
adidas Yeezy Boost 350 "Oxford Tan"
Price: $1,350
Size: 4.5
Seller: n0n0_no
While there's nothing particularly interesting about a pair of "Oxford Tan" Yeezy Boost 350s, it's the sizing that sets these apart. If only the best will do for your kid brother or sister, you may not have many other chances to grab them Yeezys in size 4.5.
Nike Foamposite Lite ASG "Kryptonate"
Price: $2,980
Size: 9
Seller: NYCDOSE
Nate Robinson's playing days may be close to over following his early-season cut from the Pelicans, but he's still remembered for being one of the last players to bring relevance to the Slam Dunk Contest. And he most memorably did it wearing this pair of Foamposite Lites as he jumped over rival Dwight Howard.
Nike Air Foamposite One "Paranorman"
Price: $5,000
Size: 8.5
Seller: sirlexser
Nike's promotion of the "Paranorman" Foamposite One goes down as one of the most unique in the brand's history. The brand gave away 800 pairs through a Twitter promotion in which they asked followers to celebrate their strange side by posting weird childhood photos in order to win a pair.


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Impress Your Friends with the Best Cocktails on the Block
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Mitzi K. Lauderdale, J.D., is an assistant professor in the Department of Personal Financial Planning at Texas Tech University. She received a Juris Doctorate and a master's in personal financial planning from Texas Tech University. She conducts research and community training in estate planning for special-needs families and co-wrote an estate planning and taxation textbook.
Sandra J. Huston, Ph.D., is an associate professor in the Department of Personal Financial Planning at Texas Tech University. She received a Ph.D. in consumer economics from the University of Missouri-Columbia. Her research interests focus on human capital specifically related to personal finance (financial literacy), the impact of using financial advice in household decision making, and the impact of financial sophistication on resource allocation within household portfolios.
Financial planning for families with special-needs dependents is characterized by unusually complex challenges. When defining special needs, disabilities cover a broad range of physical and cognitive issues, from mobility to Down's syndrome (Graetz 2010; Sharpe and Baker 2007; Saposnek et al. 2005). With most special-needs diagnoses, parents must plan for partial or complete dependency extending throughout the child's lifespan. They also require a plan that provides financial support for subsequent generations to provide continuity of care when one generation dies (Grassi 2008; Lauderdale and Huston 2012a; Nadworny and Haddad 2007). A comprehensive special-needs plan, however, must encompass far more than the family's financial aspects and legal planning matters. It must take into consideration the psychological and social issues (psychosocial) and family support needs that accompany planning for disabled dependents (Hoyt and Pollock 2003; Nadworny and Haddad 2007). This complexity of emotional, financial, and legal issues often deters parents from planning at all. Heller and Factor (1987) found that the majority of parents who have a child with a disability had no future financial arrangement for their child. More recent literature shows that adequate planning is still an impediment among special-needs families (Graetz 2010; Lauderdale et al. 2010; Smith and Tobin 1990). Lauderdale and Huston (2012a) found that fewer than four out of 10 special-needs families report having a plan. Of those that indicate having a plan, only 25 percent (10 percent of entire sample) have a plan that includes a special needs trust (SNT), a cornerstone of a sound financial plan for families with special-needs dependents. Consequently, the guidance of financial planners is vital to families with a special-needs loved one. Of those families who use professional guidance, the majority (88 percent) has consulted with a financial adviser and has a plan that includes a special-needs trust, while less than 10 percent of families with no plan report having used professional advice (7 percent). Financial planners can, and do, make a difference when it comes to having a plan in place for special-needs families. There is a great need for more financial planners to get involved and assist with the needs of this growing population. However, many financial advisers who don't specialize in working with special-needs families feel overwhelmed working with them because of the complicated social and emotional dynamics with which planners may not be familiar. The result is a shortage of planners willing to provide comprehensive planning for these families. This paper focuses on highlighting the differences between traditional and special-needs financial planning models. In addition, it addresses concerns of working with this complex segment of the population by encouraging planners, with practices of all sizes, to adopt a team approach that can provide the additional legal and psychosocial support required to facilitate the planning process for special-needs families.
Many psychosocial concerns require consideration and are often unique to each special-needs family. The impact of the diagnosis on the family varies based on the type of disability. Often, parents' greatest fear for the future of their special-needs child is how care will continue after the parents are gone (Davis 2003; Lauderdale et al. 2010). Parental concerns arise regarding how their children will be financially supported, where they will live, who will take care of them, with whom they will socialize, and how they will maintain everything they are doing currently (Lauderdale et al. 2010). Other parental fears include the child's financial independence (well being), employability, and the ability for the child to live independently (Davis 2003). Quality of life is also a great concern, especially regarding where and how the child will live. Davis (2003) also suggested that older parents with deteriorating health face greater concerns with the need to plan. Most of these fears are justified: more than 75 percent of special-needs adults are unemployed (Grassi 2008), and a third of all households containing at least one family member with a mental disability are below the poverty threshold (The American Community Survey 2007). The emotional landscape of the parents further complicates these anxieties. Some have unrealistic expectations of the future of their child while many others harbor anger, grief, and guilt—all of which can hinder planning (Grassi 2008).Lauderdale and Huston (2012b) discuss five major barriers to planning:
Costs may arise from intervention strategies involving counselors, therapists, schools, and a multitude of health care providers; all of these expenses add to the traditional costs associated with caring for a child (Lauderdale and Huston 2012b).
Pressure for a parent to leave the labor market often arises when excessive appointments must be attended with therapists, doctors, and teachers; when care providers are not able to manage behavioral issues of the child; or when excessive illnesses remove the child from school, thus forcing parents to miss work to care for them. The decision to leave the labor market must be carefully balanced with the need to provide health care coverage (Graetz 2010; Heller and Kramer 2009; Grassi 2008; Sharpe and Baker 2007; Thomas 2005; Gould 2004). Of particular concern is the parents' marriage. Researchers agree that the divorce rate for parents with a special-needs child, reported to be as high as 90 percent, is substantially higher than for traditional families (Grassi 2008; Kraus 2005). Marital and other family relationships suffer intense pressure from the stress of raising a special-needs child (Sharpe and Baker 2007). Spouses often grow apart (Kraus 2005). Parents argue over issues concerning their special-needs child, such as treatment strategy for the child. They are encouraged to seek the help of professionals before engaging in long-term planning (Saposnek et al. 2005). In the event that marital problems persist and the marriage ends, financial planners should advise funding a special-needs trust before a divorce to avoid unnecessary financial battles and, more importantly, to ensure that the child is provided for throughout his or her life and upon death of the caregiver(s) (Kraus 2005).Family and other social support, both financial and emotional, play an important role in providing for special-needs children. Planners frequently work with grandparents who are involved in providing social, emotional, and financial support. All relevant parties need to be appropriately integrated in the planning process to prevent catastrophic errors that can ultimately lead to the loss of social support and government financial support. This integration includes a proper understanding of the way to give gifts or leave inheritances to disabled loved ones. Maintaining the social support structure can be crucial to providing stability of care for the special-needs loved one (Nadworny and Haddad 2007). When developing the structure for the comprehensive support system, the planning process can benefit from the input of a mental health professional.
Special-needs plans are similar to traditional plans, yet they are amplified by additional needs. The special-needs plan requires planning for multiple generations, balancing planning needs with maintaining necessary government benefits, rethinking a needs analysis taking into account morbidity and mortality estimations, and an increased consideration in psychosocial matters and planning barriers (Lauderdale and Huston 2012a). Psychosocial issues refer to the psychological and social factors that arise because of having to care for a dependent with special needs. For example: relationship stress, increased emotional responses, and parental burnout (Rodrigue, Morgan, and Geffken 1990). Figure 1 depicts the similarities and differences between a traditional comprehensive and special-needs financial planning process.
In our depiction, we consolidate traditional comprehensive planning into four major areas:
Like the traditional approach, a special-needs plan should be comprehensive in nature and include the standard financial planning considerations of investments/cash flow, legal, taxes, and risk management. But a special-needs plan should include at a minimum several additional legal and non-legal documents.Two crucial components are a letter of intent and a special needs trust (SNT). The creation of an SNT requires the assistance of an attorney. The crafting of the letter of intent can be guided by a professional(s) and drafted by family members. The letter of intent becomes the organizing centerpiece of the plan, reflected in Figure 1, because many financial considerations stem from this document. Therefore, we add it as a fifth area below, along with additional issues to consider in the four traditional areas.
In addition to variations in the component structure of the plan, Figure 1 illustrates the communication and emotional differences that planners leading this process are likely to encounter. The broken line on the traditional comprehensive plan indicates that while there are some barriers to planning for typical clients, these barriers tend to be much more penetrable compared with the wall of denial or paralysis experienced by many special-needs families. Both time and the paralysis of not knowing where to begin act as significant barriers to planning (Lauderdale et al. 2010). Managing additional meetings with schools, counselors, therapists, doctors, government agencies, and family or other alternate care providers in addition to normal demands of work and family can consume a substantial portion of special-needs caregivers' time. The gray ring surrounding the financial planning components represents the psychosocial issues that need to be managed to adequately address and complete the financial planning process. Again, in comparison to the typical comprehensive client, the special-needs planning process is fraught with intertwined emotional and social issues. The financial planner needs to be aware of these issues so she or he can appropriately assess the accompanying financial implications. A financial planner who takes a typical approach with a special-needs client may find it daunting to swim through the seemingly endless pool of emotions and may feel more comfortable including a therapist to help navigate. The letter of intent is purposely depicted at the center of the planning process for special-needs families, as it provides the ideal starting point. Discussing a game plan for the letter of intent helps build understanding and trust, and assures the family that their special needs are understood and will be adequately addressed in planning.The next section provides more detail on the letter of intent and SNT. Then, a team approach for planning will be discussed to help financial planners understand that they can provide much-needed services to special-needs families with the help of other professionals. Hopefully, this will reduce the barriers for financial planners so many more special-needs families can be properly assisted in planning for their futures.
A letter of intent is necessary to address the many emotional, social, and family issues involved with a special-needs dependent. It also helps guarantee the success of the plan overall, and the special needs trust in particular. Also known as a special letter of instruction, a letter of intent is an important non-legal estate planning tool necessary to provide continuity of care in the event a parent is no longer able to care for a special-needs child, whether through death or incapability (Greenbaum 2007; Hoyt and Pollock 2003; Nadworny and Haddad 2007; Stevens 2002). Because parents are usually the experts on their child's needs, they should compose a letter of intent that provides instructions to the guardian and trustee to guarantee the best continuity of care (Lauderdale and Huston 2012a; Moore and Landsman 2010). This self-drafted document includes biographical, support, legal, financial, and other information. Biographical information of the child with disabilities typically includes personal demographics, personal and family medical history, current medical and health information, important daily living routines, emotional considerations, and personality traits. To maintain the dependent's support structure, information must be included about family members, therapy plans, social and recreation information, professional support contacts, government care support, and contact information for friends.Legal information on both the caregivers and the dependent is required and should include the location of documents such as wills, trusts, and powers of attorney, as well as information on guardianship plans, any potential inheritances to be received, and any final arrangements. Financial information regarding the location and existence of bank accounts, insurance policies, government benefits, and the contact information for any financial advisers and government benefit agents also should be included. Other details one wishes to provide regarding hopes, dreams, and a vision for their dependent's future should be incorporated into the letter of intent (Hoyt and Pollock 2003; Nadworny and Haddad 2007; Stevens 2002). The detail required for a letter of intent often brings some of the psychosocial matters to the forefront, allowing a family to address them head-on, rather than implementing a plan and then realizing it is ineffective because of a psychosocial issue. This document is ever changing. It can range from a few pages to multiple binders, and it serves to facilitate a seamless transition (Etmanski, Collins, and Cammack 2002). Some professionals believe a letter of intent is a catalyst to encourage planning by demystifying the planning process and breaking it down into simple yet lengthy details (Lauderdale and Huston 2012a; Nadworny and Haddad 2007). A letter of intent is a good place to begin assessing a client's situation. Working directly with the family to identify their hopes and dreams for their disabled loved one allows an adviser to assess the family's financial priorities, and may potentially reveal more about the family's goals than they would have originally shared. As their concerns are aired, including an attorney to help articulate and appropriately address those concerns in the necessary legal documents is vital for the plan's success.
Special Needs Trusts
A fundamental component of the comprehensive plan for special-needs families is a special needs trust (Lauderdale and Huston 2012a; Grassi 2008).An SNT, also known as a supplemental-needs trust, can provide resource protection through management and a spendthrift shelter, allow for guardianship due to incompetence (either current or anticipated), and most importantly can prevent disqualification of government assistance due to asset ownership (Caudill 2009). SNTs come in a variety of fashions and must be tailored to each client's situation. While SNTs play a crucial part in the planning process, do not be misled that an SNT is all that a special-needs family requires. The planning for a special-needs child comprises two components: financial support for the child's future and sustaining the child's necessary social and emotional support (Lauderdale and Huston 2012a). While all parts of a special-needs comprehensive plan are important, the SNT, combined with a good estate plan, is crucial to fulfilling the financial needs of a disabled person. Depending on the family's financial situation, the plan can be funded in a variety of ways; however, a trust is necessary to the plan's proper implementation (Grassi 2008; Hoyt and Pollock 2003; Nadworny and Haddad 2007; Stevens 2002). Using an SNT is the only reliable method that ensures a person with disability access to his or her inheritance when necessary (Rhatigan). SNTs are most commonly referred to as the "legal centerpiece" of a special-needs plan (Enea 2008; Lauderdale and Huston 2012a). While they are designed to control resources for the disabled individual who may struggle with management of assets, they are more importantly used to supplement existing government benefits (Rhatigan; Rosenberg 2000). SNTs are used to title assets in the name of the trustee rather than the name of a mentally or physically disabled individual, thus allowing them to still qualify for federal and state government means-based entitlements such as SSI and Medicaid. SNTs are used in conjunction with estate planning documents. These and other concerns, such as the general durable power of attorney for financial affairs, durable medical power of attorney, and guardianship, are important to discuss with a qualified attorney. Wills, regardless of disability, should address matters of guardianship for minor children (Gitman and Joehnk 2007; Grassi 2008). All wills with the intent to transfer assets to a disabled individual, including wills for parents, grandparents, friends and others, should state that the gift is directed to the SNT and not the special-needs individual. Otherwise, government benefits may be taken away (Grassi 2008; Hoyt and Pollock 2003; Nadworny and Haddad 2007; Stevens 2002).Generally, to maintain benefits, no gifts should be made outright to a special-needs person, including life insurance death benefits and assets such as retirement and payable-on-death (POD) accounts. This requires the coordination of other people's estate plans when others are trying to help. An attorney team member is necessary to complete the SNT and other estate planning documents.
Research shows that families and most financial and legal professionals lack the necessary information on regulations, rights, and benefits to make effective choices for special-needs children (Heller 2000; Smith and Tobin 1990). Dussault and Lauterbach (2002) predicted that special-needs planning would be one of the most demanded and rapidly growing sectors of practice. Yet few professionals today are trained in both the technical (financial and legal) and emotional aspects of planning (Lauderdale and Huston 2012a). As a result, special-needs families are underserved even though they comprise a large population of potential clients.The demand on planners who do not specialize in this area can feel overwhelming because of the complex emotional and social issues. While some planners are well prepared to handle the psychosocial issues and participate in life planning to look at values, dreams, relationships, and life purposes (Kinder and Galvan 2007), many planners are not comfortable practicing in that realm. The planner does not have to be a therapist, but should be prepared to make referrals (Stein and Brier 2002). The answer to these challenges is to take a team approach.Families often need the help of a combination of professionals who collectively understand the regulations, eligibility requirements, current tax laws, as well as the social and emotional issues associated with planning for this particular audience (Lauderdale and Huston 2012a). A team of professionals and family members can be engaged to create the right plan. The financial team minimally consists of a financial adviser and an attorney to draft necessary documents. Additionally, a planner may need to consult with a trustee or trust officer, a CPA or tax specialist, and an insurance specialist.Holistic special-needs planners are well trained to provide a one-stop shop experience for special-needs families. They provide a multitude of services incorporating and coordinating financial services, legal planning, government benefit application and management, as well as life care plans.Financial advisers and attorneys will pay particular attention to the interaction between Medicaid, Medicare, Supplemental Security Income (SSI), Social Security Disability Income (SSDI), and other income resources (Sharpe and Baker 2007). It is important to consult attorneys in advance of implementing other strategies to ensure that strategies do not inadvertently establish potential barriers to government benefits or estate planning objectives (Stone 2006). In addition, the team or holistic planners cannot afford to overlook the social and emotional aspects. While all planners need to be cognizant of the circumstances surrounding planning decisions, they should consider working with a mental health professional to assist in this part of the planning process. Lauderdale and Huston (2012a) found that families with encouragement from a mental health professional to create a special-needs plan were the most likely to have an adequate plan, rather than encouragement by other professionals, themselves, or friends. The study also reinforced that having a lawyer or financial planner involved in the plan has a higher likelihood of creating an adequate plan. The study suggested that financial, legal, and mental health professionals play a substantial role in increasing the odds of ensuring that special-needs families have adequate plans. Therefore, the best combination of professionals to work alongside the special-needs family is a financial planner, attorney, and mental health professional.Norton and Drew (1994) also suggested that financial counseling and family counseling services should be made available to families coping with special needs. It might be useful to include a financial therapist to assist with both family and financial counseling. Financial therapy is the study of cognitive, emotional, behavioral, relational, economic, and integrative aspects of financial health (Grable, McGill, Britt 2010). Financial therapists are uniquely positioned to lead the special-needs planning process through a combination of encouraging clients to plan and assisting with the planning process. A financial therapeutic approach can help to bridge the gap that exists between the financial, legal, and mental health professions and address the barriers that often prevent special-needs families from initiating and completing the planning process. With the number of professionals involved, one might think this type of planning is only for high-net-worth clients, but planning is accessible to most. Just as in traditional planning, special-needs planners charge in a variety ways including hourly, per service, by assets under management, or as a package deal. Also like traditional planning, the costs vary based on the complexity of the client's situation. Under certain circumstances, professionals work at discounted rates, pro bono, or work out payment plans to allow families to get on their feet. Special-needs families that qualify for SSI benefits may use that money to pay for professional planning services. When a financial planner helping a special-needs family encounters a particularly complex planning case, it would be appropriate for the planner to refer to or consult with a planning firm that specializes in comprehensive special-needs planning for recommendations. In an effort to provide a broader impact, some holistic planners offer alternatives such as back-office planning for financial advisers.
Most special-needs families are not properly planning for their children's futures and the consequences are potentially catastrophic (Lauderdale et al. 2010). While planning for the future of special-needs loved ones has always been a necessity, it's paramount today because of the higher incidence of diagnosed disabilities, longer life spans resulting from medical advancements, increasing long-term care costs, and the reduction of government support (Erickson and Lee 2008; Hoyt and Pollock 2003; Lauderdale and Huston 2012b; Nadworny and Haddad 2007; Saposnek, et al. 2005). Emotional and legal issues complicate creating an adequate comprehensive plan. Financial advisers can begin to address the concerns particular to each family by forming a team of legal and mental health professionals to work closely with families while preparing a suitable plan. Special needs trusts, or SNTs, remain vital to planning for disabled individuals to protect government benefits eligibility, manage assets, and provide care continuity when guardianship is deemed necessary (Stone 2006). For keeping the social and emotional consequences to a minimum, letters of intent are also valuable tools to help transition care providers with as little stress on the special-needs child as possible. Financial planners can increase their accessibility to special-needs families by preparing themselves to address the technical and emotional challenges through a holistic team approach.While an SNT is necessary in almost all cases, there is much more to special-needs planning than creating a plan that includes an SNT. A letter of intent—the ideal starting point for the financial planner to inform the financial components within the planning process, and collaboration with mental health and legal professionals—will greatly enhance the effectiveness of the services the financial planner is able to provide special-needs clients. Though the financial plan for a special-needs family is an amplified form of a traditional plan, the team of professionals is necessary for addressing the social and emotional issues particular to each family. Addressing such concerns directly affects the ultimate form and adoption of the plan designed specifically for families with special-needs dependents.
The American Community Survey (2007). U.S. Census Bureau.Caudill, April. 2009. "Funding Special Needs Trust with Retirement Benefits." Journal of Financial Service Professionals, 63, 4 (July): 15–17.Davis, Sharon. (Ed.) 2003. A Family Handbook on Future Planning. Chicago: The Arc of the United States and Rehabilitation Research and Training Center on Aging with Developmental Disabilities, Department of Disability and Human Development, College of Applied Health Sciences, University of Illinois at Chicago.Dussault, Kate, and Jeffrey Lauterbach, 2002. "Special Needs Trusts: Powerful Planning Tools for Disabled Individuals." Journal of Financial Planning, 15, 1 (January): 70.Enea, Anthony J. 2008. "The ABCs of SNTs (Special Needs Trusts)." Westchester Bar Journal, 35, 1: 25–34.Erickson, William, and C. Lee. 2008. 2007 Disability Status Report: United States. Ithaca, New York: Cornell University Rehabilitation Research and Training Center on Disability Demographics and Statistics.Etmanski, Al, Jack Collins, and Vickie Cammack. 2002. Safe and Secure: Six Steps to Creating a Good Life for People with Disabilities. Vancouver, B.C.: Planned Lifetime Advocacy Network.Gitman, Lawrence, and Michael Joehnk. 2007. Personal Financial Planning. Mason, Ohio: Thomson South-Western.Gould, Elise 2004. "Decomposing the Effects of Children's Health on Mother's Labor Supply: Is it Time or Money?" Health Economics, 13, 6: 525–541.Grable, John, Samantha McGill, and Sonya Britt. 2010. "The Financial Therapy Association: A Brief History." Journal of Financial Therapy, 1, 1.Graetz, Janet 2010. "Autism Grows Up: Opportunities for Adults with Autism." Disability & Society, 25, 1: 33–47. Grassi, Sebastian Jr. 2008. "Special Planning Is Needed for Families with a Special-Needs Child." Journal of Practical Estate Planning, (June/July): 39–51.Greenbaum, Judith. 2007. Life Planning for Adults with Developmental Disabilities: A Guide for Parents and Family Members. Oakland, California: New Harbinger Publications Inc.Heller, Tamar, and John Kramer. 2009. "Involvement of Adult Siblings of Persons with Developmental Disabilities in Future Planning." Intellectual and Developmental Disabilities, 47, 3: 208–219.Heller, Tamar 2000. "Supporting Adults with Intellectual Disabilities and Their Families in Planning and Advocacy: A Literature Review." Physical & Occupational Therapy in Geriatrics, 18, 1: 59–73.Heller, Tamar, and Alan Factor. 1987. "Elderly Parents Caring for Disabled Adult Offspring: Issues in Permanency Planning." Paper presented at the 40th Annual Scientific Meeting of the Gerontological Society of America. Washington, D.C. Hoyt, Peggy, and Candace Pollock. 2003. Special People, Special Planning: Creating a Safe Legal Haven for Families with Special Needs. Oviedo, Florida: Legacy Planning Partners.Kinder, George and Susan Galvan. 2007. "Psychology and Life Planning." Journal of Financial Planning, 20, 3: 58.Kraus, Marla B. 2005. "Planning Is Important Even When Life Doesn't Go the Way We Plan." Family Court Review, 43, 4: 607–611.Lauderdale, Mitzi, et al. 2010. Special Needs Training: A Focus Group Study. Paper presented at the Academy of Financial Services Conference, Denver, Colorado.Lauderdale, Mitzi and Sandra Huston. 2012a. "Financial Therapy and Planning for Families with Special Needs Children." Journal of Financial Therapy, 3, 1.Lauderdale, Mitzi and Sandra Huston. 2012b. "Special Needs Caregivers: An Increased Need for Support and Professional Guidance." Paper presented at the Academy of Financial Services Conference, San Antonio, Texas.Moore, Ralph, and Ron Landsman. 2010. Planning for Disability: Portfolio 816. The Bureau of National Affairs: Tax Management Inc.Nadworny, John, and Cynthia Haddad. 2007. The Special Needs Planning Guide: How to Prepare for Every Stage of Your Child's Life. Baltimore, Maryland: Brookes Publishing Co.Norton, Pamela and Clifford Drew. 1994. "Autism and Potential Family Stressors." The American Journal of Family Therapy, 22, 1: 67–76.Rhatigan, Steve. (n.d.) Special Needs Trust. Center for Lifelong Planning for Individuals with Cognitive Disabilities.Rodrigue, James R., Sam B. Morgan, and Gary Geffken. 1990. "Families of Autistic Children: Psychosocial Functioning of Mothers." Journal of Clinical Child Psychology, 19, 4: 371–379.Rosenberg, Joseph. 2000. "Supplemental Needs Trusts for People with Disabilities: The Development of a Private Trust in the Public Interest." Boston University Public Interest Law Journal, 10: 91–151.Saposnek, Donald T., et al. 2005. "Special Needs Children in Family Court Cases." Family Court Review, 43, 4: 566–581.Sharpe, Deanna, and Dana L. Baker. 2007. "Financial Issues Associated with Having a Child with Autism." Journal of Family and Economic Issues, 28, 2: 247–264. Smith, Gregory C., and Sheldon S. Tobin. 1990. "Permanency Planning Among Older Parents of Adults with Lifelong Disabilities." Journal of Gerontological Social Work, 14. 3–4: 35–59.Stein, H., and M. Brier 2002. "Yours, Mine and Hours." Financial Planning, (March).Stevens, Bart. 2002. The ABC's of Special Needs Planning—Made Easy. Phoenix, Arizona: The Stevens Group LLC.Stone, Constance. 2006. "In the Blink of an Eye: Special Needs Planning." Journal of Financial Planning, 19, 10: 64. Thomas, Trevor. 2005. "Planning Gap Seen for Children with Special Needs." National Underwriter, (April): 32.


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The Original and still the Best Flea Market in town. Voted Pasadena Weekly's Readers choice 3 years in a row! Over 400 great vendorsA…Read MoreLancer Radio Network, located on the beautiful campus of Pasadena City College, is a student-operated radio station, streaming 24/7 and providing a platform for students to produce quality live, remote & downloadable audio.The mission of Pasadena City College is to provide a high quality, academically robust learning environment that encourages, supports and facilitates student learning and success.GO TO LANCER RADIO NETWORK
Talk Programming
Lancer Radio Network hosts a variety of talk programs, covering political issues, current affairs, entertainment trends and technical trends. Lancer Radio Network hosts provide provocative in-depth commentary and bring in experts in their respective fields for live in-studio interviews.
Sports Programming
Lancer Radio Network remote team provides live remote coverage of virtually every PCC athletic event on campus, including both men's and women's division. Event coverage includes men's and women's soccer, volleyball, baseball, softball, water polo, track and football.
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Lancer Radio Network music programming combines in studio-performances from up-and-coming indie artists with in-depth interviews of local bands and artists performing everything from folk to punk. Stay tuned for our live video feed of studio performances!
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Lancer Radio Network has partnered with Pasadena City College's web studio, "Lancer Lens" to provide top of the hour campus news. To find out more about "Lancer Lens," follow them on Twitter at #pcclancerlens.PCC One Logo
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Against a world class pace attack led by James Anderson and Stuart Broad — who have a tally of 941 wickets between them — Pakistan's batsmen batted initially with patience, then authority and finally with aggression to end the day at 350-8 in reply to England's paltry looking 184 all out.
While Pakistan did most of the things correctly, nothing went right for the hosts. It seemded England players were playing in Pakistan's kits as they dropped four catches (three today) and one chance went abegging.
Haris Sohail was dropped by Ben Stokes on 16 yesterday. Jos Butler dropped Asad Shafiq on 59. Alastair Cook was culpable of letting off Babar Azam on ten, Faheem Ashraf on 29 and had a chance went abegging off Shadab Khan for 30.
Off the dropped catches only Asad's catch didn't cost England much as he was dismissed very next ball, trying to fend a rising delivery from Stokes. His 59 had six boundaries and is his 20th Test half century. Earlier in the day Azhar Ali also notched his 28th half century to give Pakistan some hope of overhauling England's total.
Azhar's 50 had six boundaries, as many hit by Asad and the two seniors almost fulfilled the espectations. Azhar had a solid 75-run stand with Haris Sohail who scored 39 while Asad and Babar Azam had a 84-run stand that further consolidated Pakistan's position. Babar also batted with guts as he was on a mission to prove that with his talent he can come good in red ball cricket. His attractive knock of 68 (ten fours) was cut short after he was hit on the wrsit by a sharp Stokes's delivery which did not rise as expected by the batsman.
It's nice to see Babar defying the critics and fulfilling the confidence reposed in him by the team management. As Mohammad Amir (19) and Mohammad Abbas (nought) survived last few overs it paved way for the injured babar to return on Saturday and add a few more rune.
Stokes (3-73) and Anderson (3-82) were the main wicket takers for England in anotherwise big toil for the bowlers.
But it was the two youngsters Shadab Khan (52 ) and Faheem Ashraf (37) who batted with a resolve of increasing the lead, almost matching their 117-run stand that helped Pakistan get a first innings lead against Ireland at Dublin earlier this month.
England bowlers looked confused as when they tried to pitch the ball up they were drived or the balls were left alone and when they pitched short they didn't seem to getting wickets.
On day three Pakistan will look to further consolidate their position and put further pressure on England as signs are quite similar to the 2016 Lord's victory.


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Bit of a short post today. The podcast is on the way but has been delayed thanks to work and life. I occasionally talk about issues pertaining to the environment (you can find a bunch of earlier posts by googling "the alder fork environment"). I cam across a very interesting blog post about 5 environmental concerns that are more serious and imminent than global warming. I agree with the author's assessment and have also noticed that deforestation and pollution are often ignored these days. That should keep you busy for awhile.
Tags: Environment


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Not that many people decorated their yard this year. This display is located down the street from my house. There is this and another display similar to it on the left hand side of the yard. At night orange lights light up the area. I hope it scared some of the Trick-or-Treaters.
My son lives in a subdivision that is popular for Trick-or-Treaters, and he and his wife go all out to celebrate Halloween.
The town has a major function at the Courthouse square and afterwards the cars start lining up. This year it was held on Thursday night.
This was the first 'batch' of kids. Notice the delicate face paint on the two girls on the right. Some of the kids didn't even say 'Trick or Treat' – they just held out their bag waiting for the candy to be dropped in. Though some parents trained their kids well and they did say 'thank you' and one bunch all said, 'nice house' which we thought was funny.
I thought the little girl on the right had the cutest original costume. Note in the background the mode of transportation for the neighbors.
I thought this costume was original as well. Note the wagon in the left background that someone pulled around with kids inside. We saw princess outfits, several Ninja Turtles, Elvis, Michael Jackson, a really gruesome werewolf and a devil with a huge red face that scared a two year old when he saw it. Most of the costumes were bought, some were homemade and surprisingly, there were a few kids with no costumes at all.
After the Trick-or-Treaters left, we started eating. Here are some of the appetizers that my daughter-in-law made.
This gives a whole new meaning to 'deviled eggs'! Regular recipe, except put some green food coloring in the yokes, and take a toothpick and draw squiggly lines with red food coloring.
We had seafood gumbo, and several other dishes, including my white chocolate bread pudding, then watched the Saints play football on television. And yeah! they won!!!
But the best thing was the family present. All six of my kids, some of the grandkids…in costume. Extended family. All enjoying each other's company. That is what is wonderful!
You might want to check out 'The Devil Has Dimples' which has a Halloween funeral. With over 125 five star reviews on Amazon, it's an entertaining book set in Boggy Bayou Louisiana.
In the Deep South, one of the first questions asked when meeting someone new in a small town is, "Who's your daddy?" The answer defines you as a person. Not knowing is disheartening.
Sara McLaughlin never knew she was adopted and is stunned to realize that if she wants to find out the questions burning in her brain as to the 'why' she was given up at birth, and who her father might be, she has to live in her birth mother's apartment for the next six weeks.
Grant St. Romain, attorney, is supposed to be helping, but the hunky dimpled devil is making her mind think of other things.
Can she find the truth? Or will she break her heart trying to find out the answers in Boggy Bayou, where many secrets are hidden?
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Basketball Is a Sport for a Lifetime
When you jump into parenting life, suddenly it regulates your mind and thinking. I mean, parenting is what's best for your kids' social and educational lives. Like many parents, I always intently observe what my son is capable of and what kind of potential he has to continue developing. Since he was born, I sensed his strong potential for sports.…View Post