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SMRT 2016 has now finished – thanks for taking part!
If you haven't already done so, please read the final Postscript section. We'd also be very grateful if you just took a minute to complete our (very) brief course evaluation form online. (Many thanks to those of you who have already submitted your feedback!)
Some donations have already been received from participants via the PayPal button that's been added to the site. We're extremely grateful for even the smallest donations because they help to fund continual development of the site and cover ongoing expenses like our web-hosting costs. You can contribute an amount of your own choosing right now by using this PayPal link. Thanks for your support!
Some quick facts and figures: Over 2,500 people registered to take part in SMRT 2016. Over 930 comments were posted in the discussion areas by participants during the course. Over 970 people submitted SABS questionnaire forms, allowing us to analyse their data. 75% of participants in this course were male, which is higher than some of our previous online courses.
As always, if you need any help, please feel free to contact me.
Donald Robertson
Course Facilitator
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45th Annual Bayou Classic Battle of the Bands
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Listen to Lost Film
Lost Film is part of the rolling machine that is The Native Sound. The label's got some good stuff coming out lately, and this is just another one of those that I think will get at you. You'll find that the majority of the song can easily fall under the category of casual pop, relaxed and steady, working around central melodies. But, there are a few moments when the guitars swell into your ears, then settling back into it's steady brood. This track will appear on a brand new 7″ that was recorded at Converse Rubber Tracks in Boston; it'sup for pre-order HERE.


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| 8.9°C Dublin
Next week the gargantuan Springboks (their forwards, at least) will grace the green, green grass of the Aviva. It will be another instance of us taking on the greater physical power of South African rugby.
How do we counteract? Do we hope our lighter forwards apply the running game and test the visitors' stamina? As those who have run the Dublin Marathon, and even those who haven't, are well aware, the heavier you are the more rapidly you run out of gas. Not that it always works all that successfully against South Africa. It did reap dividends in this summer's Tri Nations for New Zealand but remember, the Springboks are the reigning world champions.
But seeking to counter the Goliaths of South Africa is not a new concept. Back in 1949 the All Blacks, preparing for a tour of South Africa, decided on a cunning ploy. Instead of selecting the squad by applying the basic tests of rugby skills, passing, running, kicking and so forth, the New Zealand selectors picked their players by reading the weighing scales.
They picked 15 forwards by the simple expedient of putting them on the scales and then selecting the heaviest of the bunch.
From trial match to trial match that season the selectors carried the scales with them and it was said that the players' dressing-rooms after a match "resembled the Chicago stockyards, as they weighed and graded the beef on the hoof". Any player under 200lbs was dismissed with disdain.
In the final selection the All Blacks forwards averaged a record of 210lbs each or what in today's game was a less-than-overwhelming 15 stone. In today's professional game, 50 years later, the Irish backs would equal those New Zealand forwards. As it transpired, those All Blacks are remembered with utter contempt back home, dismissed as the "Fortyniners". They lost all four Tests.
In fact they were so disorganised that the South African Rugby Union, fearful that the tour would turn out to be a financial disaster, had the famed South African coach, Danie Craven, take them for a few sessions.
Those Springboks toured these shores in 1951 and were considered among the greatest tourists. They had the remarkable prop Okey Geffin, of Jewish origin, who was a prisoner of war in a German camp, where he practised his place-kicking, often in his bare feet. They won all four Tests, with a record 44-0 win over Scotland at Murrayfield, where they scored 10 tries, seven converted by Geffin.
Ireland also suffered a 10-try reverse against the South Africans but that was back in 1912. But top of the list of reverses is the 15-try defeat of Wales in Pretoria in 1998.
And so to 2010 where the Springboks, smarting from their Tri Nations, will be seeking a renaissance at our expense. But it's the end of their season and they may be a bit tired and they have many injuries. But so have we.
Irish Independent


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|Mistakes to Avoid in Dividing the Nest Eggs
Splitting up the retirement accounts in a divorce is not as simple as many couples think. How to avoid key mistakes.
March 18, 2010
For many couples, the retirement accounts continue to be among the largest assets. Many couples have no grasp on what the rules are and how complex the division can be. What they don't know, will hurt them.
Not Just a Paragraph in the Decree
When it comes to a divorce, it is crucial to use a QDRO (qualified domestic relations order) to divide the qualified plan accounts. Examples of these plans include 401(k), 403(b) plans and defined benefit plans (sometimes referred to as pension plans).
Without a QDRO, splitting the accounts between divorcing spouses as well as subsequent withdrawals from the accounts is subject to federal taxes and early-withdrawal penalties. There are many details to consider in every QDRO, but the first one is to agree on the split. Couples need to agree on either a percentage division or a dollar-amount division of the account.
Percentages vs. Dollar Amounts
I've seen instances of both methods, but I am wary when a couple wishes to divide an account in dollars instead of percentages. For example, if the total account value is $800,000, they might wish to split the account 50-50, but state in the decree only that one spouse is to be awarded $400,000. The decree is silent on the amount of retirement funds the other spouse will be awarded because the couple assumes the $400,000 will still be half or nearly half the account value at the date of divorce. The risk here is that if the investments lose value, one spouse will be awarded $400,000 while the other spouse will be awarded less than $400,000. In a recent Wall Street Journal article, a family law attorney described a case in which spouse A had to pay additional funds to spouse B because the two of them had agreed to a dollar-amount division with a specified dollar amount to spouse B. Between the time the decree was filed with the court and the day the account was to be actually divided, the retirement account lost so much value that the funds remaining in the retirement account were insufficient to fund the amount that was awarded to spouse B. Spouse A was left without retirement funds and an obligation to pay spouse B a sum to replace the insufficient funds.
What You Don't Know Will Hurt You
I had a client who came to me years after he had done his own divorce to save money. His retirement plan was a pension plan with a state agency. He wanted to "pay off" his wife as quickly as possible in advance of his own retirement, but wanted to get the "pay off" funds from his pension account. They had agreed upon a certain lump sum amount. They had gone their separate ways, each assuming the retirement-account split would be taken care of by virtue of the divorce decree.
After several years, his first wife tried to get her lump sum payment from his pension. The pension administrator told her that she could not get her share in a lump sum, and furthermore, there was no QDRO on file. This news prompted her to start nagging her ex-husband. When he didn't fix the situation, she escalated with a threat to prove that he was still married to her. This made his current wife very unhappy. Working with me and a family law attorney, he got the situation straightened out. In retrospect, he regretted his attempt to cut costs. He ended up spending more to fix the situation because he had not hired an attorney in the first place. He also felt the resulting emotional cost was too high.
It is important to understand that QDROs don't cover all retirement accounts. Individual retirement accounts (IRAs) are not split with QDROs. Non-qualified plans fall outside of employee retirement income security act (ERISA) guidelines and are therefore not divided with a QDRO. Besides IRAs, these plans include (but are not limited to) deferred compensation plans, executive bonus plans, group carve-out plans, stock options and restricted stock. They are designed to meet specialized retirement needs for key executives. Nonemployee spouses need to verify which retirement plans are divided by QDRO and which are not. It would be devastating to think the entire retirement accounts were divided 50-50 with a QDRO and find out later that most of the retirement funds are not covered in the QDRO because they were in nonqualified plans.
Haste Makes Waste
Many litigated divorces include an attempt to stay out of a divorce trial by using mediation. Mediations frequently are long, grueling ordeals. The emotionally charged issues seem to be discussed early in the day, with the more rational discussions about retirement account divisions coming after several hours of parenting discussions. Everyone is the room is tired. They just want to finish the deal and go home. They agree to divide the retirement by some ratio and be done with it. Unfortunately, there are subtle but very important details to consider that can materially affect the anticipated retirement nest egg. Sometimes these details don't appear until later. A few examples of these details include:
For defined benefit (DB) plans
For defined contribution (DC) plans
When a couple chooses the collaborative law divorce process over litigation and mediation, they have time to carefully and fully address these and other details that can have a profound effect on their retirement life style. The collaborative process builds in the time and professional advice to assist the clients and their attorneys in designing a division of retirement accounts that fully addresses both spouses' needs and concerns. In collaborative divorce cases, these decisions are made over a period of time that is measured in days or weeks, not in minutes.
Rate this article 5 (excellent) to 1 (poor). Send your responses here.
Tracy B. Stewart, CPA, PFS, CFP, CDFA specializes in family law litigation support in Houston, Texas. She helps clients protect their wealth during property settlement negotiations. She is a member of the AICPA Personal Financial Planning and the Forensic and Valuation Services sections. Stewart is a board trustee for the Collaborative Law Institute of Texas as well as on the Executive Board of Texas Society of CPAs. You can contact her through www.texasdivorcecpa.com.
The AICPA's Personal Financial Planning Section is the premier provider of information, tools, advocacy and guidance for CPAs who specialize in providing estate, tax, retirement, risk management and investment planning advice to individuals and closely held entities. The Personal Financial Planning Section is open to all Regular Members, Associate Members and Non-CPA Section Associate Members of the AICPA. If you are a CPA who wants to demonstrate your expertise in this subject matter, become a Personal Financial Specialist Credential holder. Visit www.aicpa.org/PFP to learn more.


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Opinie13 oktober 2016
A model for paralysis
How the obsession for ever-changing accountantship models to manage education is deisintegrating the academic society, according to Paola Gori Giorgi and Francesco Battaglia.
How the obsession for ever-changing accountantship models to manage education is deisintegrating the academic society, according to Paola Gori Giorgi and Francesco Battaglia.
"What can be measured, can be managed", is a mantra of modern management practice, now ubiquitously applied in most production environments. However successful that may be when it comes to making cars, or hamburgers (see e.g. Rana Foroohar's book "Makers and Takers" for a discussion of its failures and successes in the factory), it seems like a very uneasy fit for the university world, which should be aimed at nurturing young minds and ideas. And these are fields where quantitative measure of quality and worthiness, numbers ready for entry in a spreadsheet, are impossible to define.
Yet, in the last decades, there has been a major push towards the financialization of science and higher education, a push that is only recently starting to find widespread opposition (see e.g. Josef Früchtl's recent article on Het Parool http://www.parool.nl/opinie/-stop-de-economisering-van-de-wetenschap~a4381532/ As a part of this push, universities were re-organized as a constellation of independent entities, faculties and departments, engaging in financial transactions with each other. That is, the university itself became a marketplace, endowed with free competition between its agents, pricing mechanisms and everything else a self-respecting market should have.
The pricing mechanism, or verdeelmodel is a way to translate the contribution of faculties, departments, down to the single employee, into a measurable quantity that can be turned into funding money for each entity in the marketplace. That, the story goes, should guarantee fairness because everyone receives funding depending on their effort, transparency because the spreadsheet tells it all, and efficiency because resources will be optimally allocated by the "marketplace".
An important hint that the idea doesn't quite work is that the model keeps on changing: just in these days, a new model on how to distribute the money for teaching between the different departments of the Faculty of Sciences (FEW and FALW together) is on the table.
A whole new game: each department is busy understanding if they will gain or lose with the new rules. For many, a matter of life or death, as the recent and less recent history of reorganizations and lay-offs at the VU demonstrates.
The new model is based on the hours that people have spent in actual teaching. The old model was based on the number of EC's produced (how many students passed the exams, getting how many EC's), reflecting closely how the central VU and Den Haag give money to the faculties, with the total money pot remaining unchanged.
With this new model, the faculty board hopes to address the enormous problems of tense working sphere, cynicism, and even fear that have been repeatedly reported within the two faculties. They believe that make compensation proportional to the actual teaching hours is more transparent, and that this will make people happier.
But why counting hours spent in the classroom would be more transparent? Certain courses require more preparation than others. Certain courses may actually require less contact hours than others, because it is important that students work by themselves, then requiring more hours for grading assignments. The model with hours is as perverse as the one with EC's, with the incentive to use "accounting tricks" to inflate the number of hours that you or your department provided, in this way destroying the trust between colleagues.
But the discussion is beside the point. We believe that the problem is not on which parameters we should base the model, the problem is having a model. Turning each single department (and in some extreme cases even every single section inside a department, down to every single person) into a small business that needs to be sustainable using money they get in this marketplace is perverse and destructive of the core academic values. We, as teachers, should never think about the hours we dedicate to our students, to prepare our lectures, to be involved in the whole teaching process, as amounts of money that enter in a spreadsheet. Neither should we think as the students who pass our exams as money, as the model encourages us to do now. Never.
No "model" would make justice to the quirky, delicate, and personalized task that is education (or science, for that matter). For each model stems a strategy for maximizing 'profit', and that strategy never goes to the advantage of students, or science. Not to mention that just running the model requires an enormous amount of resources, with an army of people tasked with keeping track of impossibly complex transactions, and everybody else desperately trying to make sense of the numbers they get.
This internal marketplace is clearly a fiction: our salary is fixed and won't be changed by this big Monopoly game. It would be much more sensible to have well thought policies to distribute teaching loads, with well prepared people in charge and more collegial decisions, which are totally missing right now. The Faculty should take responsibility for its employees, and not letting them compete with each other for being "sustainable".
When we try to argue in this sense, we get, from administrators and other supporters of the current system, a fairly standard set of rebuttals.
First one, "if the departments want to be independent, then they have to take responsibility". Except that departments are anything but independent, as they are basically held responsible of things they cannot influence, predict or plan. Their sustainability depends on how much money they get with the current model. If the model changes (and it does change), there goes your sustainability. Reorganizations and lay-offs ensue (real life story), with cruel blaming for your lack of efficiency. Not to forget that the models are so complex that often the finance administration loses track on the financial status of each entity. You may think that you have 100, but you have 80 instead (again, real life stories, at the VU and other Dutch Universities).
Second, "we need to know how to allocate money for teaching". This seems absurd, quite frankly.The faculty management should have a vision about what their faculty is about, and using judgment (yes, this word is still in the vocabulary) to decide how to allocate money to the diverse programs. Good policies would keep readjusting the distribution of teaching, using people from different departments into different programs. We live in times in which most science is interdisciplinary, meaning that we often have people with rather diverse backgrounds in each department.
Third, "with this model everything is transparent and efficient. The effort is correctly rewarded, otherwise some people get a lot of teaching load and others get more time available to do research and be successful". Here we should say that our experience is that the spreadsheets are anything but transparent, as they are overly complicated and depend on obscure details of the rules. And the spreadsheets lend themselves to accounting tricks. But, more importantly, the underlying assumption is that teaching is a punishment, which is not the case for many of us. Yes, I might teach more than you, so what? Not all teaching is the same. Some courses require more work, some less. It won't be perfect, but it would restore academic values, recognizing that education is a complex task that requires a huge diversity of efforts that cannot be reduced to a spreadsheet. And just think of the time we would save because we do not have to check anymore that our hours or EC's have been counted, no more meetings looking at spreadsheets with the cashflow for teaching, thinking on how to maximize the ``profit". We need a culture in which teaching has high status in the University, instead of only rewarding people for their science, or more precisely, for the amount of grant money they take in. Then they wouldn't need to be forced into teaching by an Excel sheet and the threat of a reorganization.
The current system degrades teaching: it is profoundly disturbing for us to have to look constantly at spreadsheets in which students are transformed into money. This is not why we chose this job. We chose it because we love research and we love teaching, and we don't want to think, not even in a single moment, that students mean money. Micromanagement is not necessary, and it just destroys the passion and the intellectual power that we put into teaching, which seems the opposite of 'efficiency' to us.
Furthermore, the current system relies on a quite narrow and short-sighted definition of efficiency: that is, maximize the number of graduates in the currently trending field of study, while minimizing the costs. But in this way we may actually deprive society of knowledge and skills (arcane, unpopular and costly as they be) that are fundamental for what we are and how we got here, and, as incredible as it may sound, may even be fundamental for the material well-being or survival of our society.
The last, and most condescending criticism we hear is "you are a nostalgic of old times, the world has evolved". This is also the most fun to counter. In fact, the micromanaging, bottom line-driven way to run organizations is proving to be a disaster for education, healthcare, and for society in general. Scientific progress has stagnated, compared to the pace of, for example, the early 20th century. Young academics are demoralized and without perspective, as many others of their generation are. The enduring financial crisis of the last decade is showing that it is exactly financialization and 'quantitative management' that are the ideas surpassed by history.
We are not nostalgic of anything, we want to move forward not backward. Those who still defend the current way are often people who have been successful in this system and are scared to leave it.
To move on, and build something better, we need to replace spreadsheets with judgment, collegial decisions, and a vision for what universities can offer to society.
Paola Gori Giorgi is University Research Chair Professor, Department of Theoretical Chemistry (VU) and Francesco Battaglia is neuroscientist, Radboud University Nijmegen.
{ Lees de 6 reacties }
Curious to hear what other teachers and what our FB & CvB think on this matter.
I fear the new DVM is even worse than the current "verdeelmodel" within FEW, for reasons clearly outlined above, although on paper it is more reflecting real teaching effort compared to the ECTS model (only paying for students who pass the exam (as an example of the wrong incentives) & no distinction between a practical course or lectures).
Hi Paola,
I fail to understand why you argue against transparency; everybody should expect faculty board to be able to explain what they do, especially if it concerns money.
I fail to understand why you argue against teaching load as a basis for allocating the money for education; rewarding teaching load does not maximise the number it graduates; it rewards - fairly and transparent - the efforts of teachers.
I fail to understand why you find the DVM system so complicated. Nobody has said that it consists of spreadsheets, it will be a simple webpage on which teachers have to verify or correct the hours they spend teaching.
You are fighting a figment of your mind.
Choosing an arbitrary parameter (it can be ECTS, hours, number of students, or anything else, including linear combinations of some of those) and then pretending that this arbitrary choice sets the rules for transparency is not very credible. The choice of parameter(s) to define transparency is the non-transparent part. Change the choice of parameter(s) and the picture changes as you wish. I would not call this transparency, and framing the whole issue as "you are against transparency" does not address the point. The real point is that a faculty in which people must compete to be "sustainable" (also a very non-transparent concept based on a non-transparent choice of arbitrary parameters) is a place where the academic sphere is lost. High percentage of burn outs, cynicism and alike are then not very surprising.
Hello Paola, just read your article. I'm afraid I do not agree at all with your critique on the introduction of the so-called Teaching Load Model-model (and if I'm correct, nor does a significant part of the VU-Works Council). You write "The model with hours is as perverse as the one with EC's, with the incentive to use "accounting tricks" to inflate the number of hours that you or your department provided, in this way destroying the trust between colleagues.". We have to be realistic here: there will be no model without (at least potential) perversities. It is always a question of choice for 'the lesser evil" . And than I would really hold that the perversities of output-models (based on market logic) are much, much more perverse than input-models (based on bureaucratic logic). The EC-model -taken to its extreme- means that faculties and departments make most 'profit' with massive on-line lectures (low labour costs), lenient entry requirements (more costumers) and lowering assessment criteria (higher returns). If you want credential inflation and us delivering bull-shit to students: be my guest! The perversities of input-models on the other hand are comparatively limited: Yes it will lead to endless discussions about the parameters. And yes: will not always be 100% realistic. So be it. If the parameters are transparent to all, we can discuss them, and improve them. And as far as the risk of 'inflating the hours" is concerned': in an input-based model inflating your TL doesn't pay off: you will receive more money as a department (or working hours as a lecturer), but you will have to work for it as well. And isn't that exactly what we want? Finally your remark that we should not work with models at all. That is -and I am sorry to say- completely utopian. The bottom-line is that university budgets need to be distributed among faculties, department and finally individual academic workers. And we better have a transparent system to do that, based on what people really do. I'll tell you one interesting side-effect of the TLM-model: it will also reveal that most teaching is done by a fairly limited section of the workforce: (1) young Assistant Professors on temporary contracts (2) temporary lecturers and (3) older Associate or Assistant Professors without career opportunities. And all this is the result of the output-based EC-model! So please choose your battles carefully, but also please be welcome to discuss this issue with us in the Works Council. Kind regards, Boris Slijper (lecturer in Sociology on a permanent contract, and member of the executive board of the Works Council).
I actually fully agree with Paola and Francesco, and I'm surprised to see that their argument is met with so much skepticism. I've worked at the University of St Andrews till 2009, and they have NO model at all and yet it works well.
The only thing that is requested there is that everyone teaches one full course per semester, and that's it - with regard to teaching. It's a perfectly workable system, but in the Netherlands it might only work if more money is given (back) to universities by the ministry.
In fact, in 2006, the Scottish government tried to change the university system as well there, making it more bureaucratic, and what happened: the lecturers and professors went on strike in June 2006. I couldn't believe my eyes. I had never seen university employees go on strike before. This is "not done" in the Netherlands. And that's the real problem in this country: we need to be willing to strike against governmental decisions, but virtually no-one at Dutch universities is willing to do so. Well then you can only suffer in silence...
I also fully agree with the substance of Paola and Francesco's statement. Indeed, I am heartened by it! I teach at UvA and cannot speak to the specifics of the situation at the VU (though I have no reason to doubt that the "hours" model may well be relatively less pernicious than what is currently in place there). Nevertheless, like Rens, I have experience teaching outside of the Dutch system where this kind of "model" for finely quantifying teaching does not exist. Having had my intellectual formation and teaching experience at a range of universities and colleges in the U.S., I initially thought my getting a job at UvA in 2013 was a great stroke of luck--an escape from the hyper-competitive and profoundly classist world U.S. academia. In particular, I saw the "hours" model of teaching as providing a kind of check against the overwork imposed upon Assistant Professors in the States. That is, until I soon realised how the "hours" model functioned as a lever for overwork.
What counts as an hour has effectively changed every year I've been here. One year an MA course I taught was allocated 150 hours, the next 100, the next 75. I was told to adjust the teaching accordingly, which, in principle, is possible if ethically difficult when faced with the legitimate demands of students for the labor-intensive work of meaningful feedback. But that is only half the picture. The other half is that I must keep looking for courses to make up for the lost hours, and the number of different tasks demanding my attention proliferate along with all the uncompensated peripheral tasks that attend them. I find myself hustling for hours. On top of the cognitive and emotional impact, this hustling is deeply corrosive of collegiality: there is a pervasive suspicion that some colleagues hoard hours while others are chronically short; the sorts of collaborative tasks which would normally be a source of intellectual exchange and solidarity reduce to calculations about hours (e.g. "Give a guest lecture in your class? Sure, but how many hours will you give me out of your already contracted allocation?")
Much as Rens notes of St. Andrews, the only model that regulates teaching at universities in the States (I've taught at University of Iowa, The New School, and Duke University) is the number of courses per semester. Typically it's 2 courses per semester (2:2) at research universities and 3:3 or 4:4 at teaching intensive colleges (and of course much more for the army of non-tenure track contingent instructors who now teach 70 percent of all courses.)
For this latter fact and many other reasons, I continue to feel I've escaped from many of the worst aspects of the political economy that organises research and teaching in the U.S. academy. The serious exception concerns how the "hours" model functions as a tool for what I think must be described as a form of stealth exploitation. Yes, the number of hours on my contract remain the same even as the number of courses I teach have nearly doubled in the short time since I arrived. If I had contracted to teach a 2:2 load and was unceremoniously informed that it was now a 3:5 load, for example, this would clearly appear as a violation of my contract.
That brings me to Rens' s invocation of the strike at St. Andrews. I joined the union VAWO when I came to UvA. And yet, at the very moment when one would expect the union to be present--that is, the determination of what counts as an hour and thus our given course load-there is no representation.
Does someone have a good explanation for this abdication on the part of VAWO?
Houd je bij het onderwerp, en toon respect: commerciële uitingen, smaad, schelden en discrimineren zijn niet toegestaan. De redactie gaat niet in discussie over verwijderde reacties.


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Its been a busy couple of weeks since our last post. The highlight being a surprise visit from our youngest daughter Haley, who flew down from Alice for a week. A great mothers day for Deb. We took a few days off the build to visit Pete's parents in Hobart, but not before co-opting Haley … Continue reading Surprise visit and stern steps completed
Tag: Rudders
Stern Steps and frosty mornings
Well we are into full winter mode down here in Tassy. Thermals and beanies are back on as we rise to 3 degree temperatures on some mornings. Actually we welcome the frosty ones as they generally precede a clear sunny day. Good follow up rain after last years wet winter, has kept the countryside fresh … Continue reading Stern Steps and frosty mornings
Frame 5 and 9 completed
Building a boat, especially one the scale of Selah is a fascinating endeavour. Prior to turning over day, the work flow was primarily in one direction. Now there are a number of ways we can choose to go, and we find ourselves having to consciously remain focused on one job at time. It's easy to get … Continue reading Frame 5 and 9 completed
Roll over day happens
At 10 am yesterday (Sat) around 20 people turned up to help us turn the hulls & bridge deck over. We were grateful that so many turned out to help us. A mixture of interested locals, acquaintances, friends and relatives. It was a three stage process. Firstly the bridgedeck, which was built upside down, was carried … Continue reading Roll over day happens
Port hull completed
After our weekend in Hobart enjoying the wooden boat festival, we got straight into applying the Q cell micro-baloons onto the port hull. This involved Deb providing a constant supply of resin / Qcell mix to Pete, as he rendered the hull using a metal trowel. As with all epoxy resin processes, it was a balancing act. … Continue reading Port hull completed
Port hull ready for fiberglassing
So we are back in Tas after a busy but enjoyable Christmas back in Alice. A lot of time was spent doing maintainance work on the house, and prepping the unit for its new tenant. Most evenings were spent with the girls and their partners, games nights and good food. It was hard to say goodby. … Continue reading Port hull ready for fiberglassing
Rapid progress with the Port Hull
Building a catamaran is a bit like building two boats. Much of the work that has occupied us for the last four weeks has been covered in previous posts, but here is an update of our current situation. After taking a week off due to Pete's inflamed shoulder, we have been working towards completing the Starboard … Continue reading Rapid progress with the Port Hull
Starboard hull completed and Port hull commenced.
It was a big day for us when we finally completed the starboard hull. After fairing the hull we had a delay of a couple of days as we waited for the paint to arrive, which somehow got lost in transit. We have decided to use Jotan Penguard HB epoxy high-build as the undercoat followed … Continue reading Starboard hull completed and Port hull commenced.
The big top is back on.
Its been a few weeks since we have posted an update. We took a week off the build for a trip to Kettering to spend time with Pete's mum and dad. Being around to help our parents was one of the reasons we chose to build in Tasmania. Both sets of parents are based here.Two days after celebrating … Continue reading The big top is back on.
Keel and rudder done …
This week was about preparing the boat for fiberglass. We fiberglassed the keel with four layers of 300 gsm glass and a 450 gsm Dynell protective boot and fitted it to the hull. We also applied Q cell and faired it up, ready for painting. It was not necessary to do this at this stage … Continue reading Keel and rudder done …
Not so twisted …
Work continues at a steady pace, interspersed with family events and celebrations. We are close to completing planking, and on rainy days continue to prepare frames for the port hull, fabricate rudders and mini keels, and pre-coat the inside faces of the hull sheets, prior to gluing in place. We also completed a job we … Continue reading Not so twisted …
A great place to spend the days
The last few two weeks have settled into a regular routine. Pete gets up at around 6.30 and heads to the beach for some God (and personal) time: breakfast, then off to the site around 8am. Tarps are removed, Rex (resident watch dog) is thanked for watching over Selah, tools are retrieved from storage, and a quick … Continue reading A great place to spend the days
Things we do on a rainy day
Well Selah has survived yet another wild nor'easter since our last post. She certainly has had a baptism of fire in her short life. If nothing else, it has reinforced in us the necessity of building strength into every joint. On the eve of the storm I had considered pulling down the big tarp from the … Continue reading Things we do on a rainy day
Rain, floods and big wind.
Over the past two weeks Tasmania has let us know who's boss, in her own particular way. Sunday before last I woke at 5.30am to the sound of wind and rain. I checked my weather APP and was alarmed to see that we were experiencing 60 kph winds, from the east. Our build site is … Continue reading Rain, floods and big wind.
Keels and coving…
Wild westerlies with intermitent rain squalls have persisted for almost three weeks now. Luckily we have had plenty to keep us occupied in the relative comfort of our corner of Russ's joinery workshop. It's been happy family times, with much laughter and banter. Russ's advice and guidance has been invaluable. Soon we will have all the various … Continue reading Keels and coving…
Rudders & wild weather
There were a couple of sleepless nights last week, as the NW coast was hit with a big SW front. This is the weather Bass Strait is infamous for. Gusts of over 100 kph were recorded in Devonport. It was the first big test for our temporary shelter. Thankfully we came through relatively unscathed. We … Continue reading Rudders & wild weather


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How to Help in an Emotional Crisis
Considering the prevalence of mental health disorders, there's a good chance that someone you love will struggle with one at some point in time. Your support and intervention can make a world of difference when that happens.
Ask and Listen
If someone in your life is facing a mental health issue, you may start to notice changes in him or her. Signs that can tip you off to a mental health crisis include:
Changes in weight, sleep habits or mood.
Inattention to personal care.
Pulling away from people or activities.
Reduced attentiveness in matters of work or school.
When you notice changes such as these in a loved one, it's time for a conversation, but prepared to listen more than you talk. Open the lines of communication by expressing interest in what's going on in his or her life. The American Psychological Association encourages saying, "Let's talk. You don't seem like yourself lately. Is there something going on?"
As you talk, remember to keep judgment out of your words and tone. Don't cast blame or express anger toward the way he or she has been acting. Lean on facts, not on your own feelings or opinions. The goal is for your loved one to trust that you will be a source of support, not of judgment.
Reach Out for Help
Although your support through your loved one's emotional crisis is invaluable, he or she will also benefit from the intervention of a trained professional. You can help by encouraging him or her to visit a licensed therapist who has the training and skills to help people cope with mental health disorders. Professional intervention is key for people whose mental health conditions have become severe, but even if it's not yet to that point, the sooner a person seeks out therapy, the better.
Your loved one might need your help in locating a therapist. Primary care physicians and workplace employee assistance programs can be good resources for finding recommendations. The APA's Psychologist Locator is a useful online tool.
Look out for Signs of Suicide
Above all, be vigilant for signs that your loved one is considering suicide or other forms of self-harm. Sometimes people are afraid to bring up the topic for fear that it will give their loved one the idea, but your conversation won't put the idea in his or her head. Rather, it's important for you to ask about this tough topic, so that, if needed, you can get help for him or her right away.
If your loved one is considering thoughts of suicide, act immediately. The best thing to do is to take your loved one to the emergency room, where medical professionals can help. Make sure not to leave him or her alone, and remove all potential threats, such as weapons or pills, from the area where he or she is. Finally, the National Suicide Prevention Lifeline is available as a resource 24/7; you or your loved one can reach someone at the hotline at anytime by calling 1-800-273-TALK.
Mental illness is a challenge for both those who are affected and the people who love them, but the support of friends and family members can make a world of difference in the outcome.


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Human relationships exist between two or more people - me and him/her or them. The Reflective Discovery approach starts with the side of the relationship that I can influence, the 'Discovering Myself'-Space:
Discovering Myself Space
This Reflective Space lies the foundation for the work with Reflective Discovery. It is a time-spaced four-day discovery of oneself, in which you recognise why you react in a specific way in a particular situation.You become aware of your emotions, feelings, thoughts and needs and learn how all of them influence your side of the relationship. You gain more clarity and more options for actions and are more relaxed.
Once you are aware of your 'Self', you can look into specific relationships:
Relationship Space
In our private lives, changes in society with a variety of models of living together like patchwork families, different upbringings of generations and global relationships lead to existing values and beliefs being questioned. In this Reflective Space, which builds on Discovering Myself, the participants support one another in building and sustaining appreciative relationships while staying true to themselves.
Leadership Space
The role of the leader moves away from the heroic leader who knows answers to all questions to a companion who creates an environment so that his people can provide the optimal contribution to the organisation's success. In this Reflective Space, which builds on Discovering Myself, leaders learn how they can create such environments and how they change into the role of companion who communicates with his people as equals. Furthermore, the leaders support one another and rapid-prototype critical leadership situations like one-on-one conversations, meetings and virtual communication.
Team Space
This Reflective Space is for teams that together want to co-create an environment that encourages and supports agile and appreciative collaboration as the foundation of their organisation's culture. This space is semi-structured as team members, facilitated and supported by the Reflective Discovery expert, co-create, practice and adapt the desired culture.
Personal Space
This space follows the traditional coaching approach in a one-one-one setting where the participant, supported by the coach, increases his awareness of his challenges and develops solutions. The Personal Space also complements the other spaces.
Felix Müller
+49 173 2525823
Karlsbader Strasse 91, 85435 Erding bei München


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text: Sections View Full Chapter Figures Tables Videos Full Chapter Figures Tables Videos Supplementary Content ++ The laryngeal mask airway (LMA) is a device that fills the gap in airway management between that of endotracheal (ET) intubation and the use of a face mask. It was introduced in the United Kingdom in 1983 by British anesthesiologist A. I. J. Brain. His goal was to develop an airway apparatus that could rapidly overcome an obstructed airway, is simple to use, and is atraumatic to insert. In 1991, the LMA was approved for use in the United States by the Food and Drug Administration. ++ The LMA was designed primarily as a means of providing ventilatory support while avoiding the fundamental disadvantage of the need to visualize and penetrate the vocal cords with an ET tube.1 The LMA is introduced into the hypopharynx without direct visualization. It forms a low-pressure seal around the laryngeal inlet and permits positive-pressure ventilation. With the introduction of the LMA ProSeal, pressures of up to 30 cmH2O may be administered safely (A.I.J. Brain, M.D., personal communication). Once inserted, the LMA may be used as a conduit for fiberoptically guided ET intubation or to place an ET tube blindly.2 The LMA has come to be viewed as a viable method of airway management, with over 800 articles and case reports describing the advantages and disadvantages of the device.3 A more recent Medline search for articles involving the use of LMAs yielded over 3500 results. ++ Many disadvantages of the standard LMA became apparent with widespread use of the device. More than 10 years after its introduction, Dr. Brain and colleagues began to work on a new airway system with better intubation characteristics than the standard LMA. The intubating laryngeal mask airway (ILMA) was developed through the aid of analysis of magnetic resonance images of the human pharynx and laboratory testing of ET tubes.4 The new and more "anatomically correct" ILMA effects more precise placement. The design of the ILMA also avoids head and neck manipulation and insertion of the intubator's fingers into the patient's mouth, both of which occur during the placement of the standard LMA.4,5 ++ There are approximately nine different models of the LMA. The term "laryngeal mask airway" is specific to one brand of laryngeal mask devices produced by LMA North America, San Diego, CA. Several other manufactures also make laryngeal mask devices. Some of these will also be described in this chapter. The LMA Classic (LMA-C) is the original and most commonly used version. The LMA Classic Excel (LMA-CE) is more durable than the original LMA-C and can be reused up to 60 times. The LMA Unique (LMA-U) is a single-use disposable version of the LMA-C. The LMA Flexible is a wire-reinforced version of the LMA that is more flexible than the original version and resists kinking. It is used by Anesthesiologists for patients undergoing head and neck procedures. It is not used in the Emergency Department. The LMA Fastrach is a ... GET ACCESS TO THIS RESOURCE Sign In Username Error: Please enter User Name Password Error: Please enter Password Forgot Username? Forgot Password? Sign in via OpenAthens Sign in via Shibboleth Get Free Access Through Your Institution Contact your institution's library to ask if they subscribe to McGraw-Hill Medical Products. What is MyAccess? Create a FREE MyAccess profile to: Use this site remotely Bookmark your favorite content Track your self-assessment progress and more! GET ACCESS TO THIS RESOURCE Subscription Options Pay Per View Timed Access to all of AccessEmergency Medicine 24 Hour $34.95 (USD) Buy Now 48 Hour $54.95 (USD) Buy Now Best Value AccessEmergency Medicine Full Site: One-Year Individual Subscription $595 USD Buy Now View All Subscription Options


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Speculation on Apple's Television Set: Range of Sizes, Device Integration, Premium Pricing
Though Piper Jaffray analyst Gene Munster does not have specific knowledge of Apple's ultimate plans for its television set, he has expressed his ideas about what Apple will do with its rumored product that may be launched in the second half of next year. Among Munster's predictions:
- Full-fledged television set. Apple's television set will be an all-in-one solution, but most users won't be able to use cable or satellite channels, because Apple does not offer a full suite of television content offerings. Instead, the Apple's TV will serve as a user interface that still uses the standard signal from a cable box.
- Range of sizes and twice current pricing. Apple's television set will be introduced in a range of sizes. Munster suggest that Apple' TV will have price that will be approximately twice higher than the prevailing market price of similarly-sized televisions.
- Simplicity and Apple's ecosystem. Apple television will integrate with iOS devices and Apple's content ecosystem for video, games, and apps. The TV will have a traditional remote control, but also iPad and iPhone apps for controlling the set's features, as well as Siri voice control to simplify interaction with television sets.
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Fourways Medicine doctor assists you to pay for your health care requires, such as nursing, surgical treatment, dental work, medicine as well as healthcare facility lodging. You pay regular monthly contributions in order to have clinical cover.
Why should I have a medical system?
There are many benefits to coming from a clinical system.
It monetarily secures you if you unexpectedly need to pay large, unexpected clinical costs.
If you have a clinical system, you could usually rest assured that there will certainly be no lengthy hold-ups in your clinical therapy because you don't have funds to spend for it.
Belonging to a system likewise indicates you have access to exclusive healthcare, as opposed to having to count on public wellness services.
What are the downsides of a medical plan?
It is costly as well as contributions enhance every year.
If you reside in a Fourways, Olivedale or Rosebank, you may not have very easy access to personal healthcare centers.
There are occasionally co-payments that have to be made for specific clinical services or procedures.many surprise expenses included with systems. Your system might just pay a percentage of your health care costs, while you need to pay the remainder from your very own pocket.
How many clinical plans can I select from?
There are 26 open clinical schemes in South Africa. Not all medical schemes are open to the general public as some are restricted to company teams.
Who are the largest medical schemes in South Africa?
Of the approximately 26 (2016) open medical systems in South Africa. these ones are a few of the largest: (in no specific order).
Fourways Medicine doctor – These ones are a few of the largest: (in no specific order).
Exploration Wellness Medical Plan.
Fedhealth Medical Scheme.
Resolution Health Medical Plan.
Energy Wellness Medical System.
Genesis Medical Scheme.
Medihelp Medical Plan.
Oxygen Medical Plan.
Profmed Medical Plan.
Bonitas Medical Scheme.
Exactly how does a clinical plan work?
A medical scheme is a charitable organisation as well as should be signed up with the Registrar of Clinical Schemes. Participants coming from a system make contributions and in return get clinical cover inning accordance with the regulations of the system. Each medical system needs to provide a minimum collection of benefits to its members.
There are two type of schemes– open and shut schemes. Any person could join an open system, but shut plans are for specific company groups.
A clinical system is managed by a board of trustees who is chosen by the schemes' members. They are accountable for managing the scheme to the benefit of its members.
Just how do I choose a GPs or Medical Doctors?
All of it relies on your particular health care needs as well as which business can provide you the very best option to match these demands. The clinical system market is frequently changing and that's why it is very important to get assist in choosing the best plan. To help you make the ideal decision, it is typically best to utilize the service of an independent intermediary or healthcare consultant.
The best ways to pick a medical plan?
Do I have choices?
Yes, you have a wide variety of alternatives. Every clinical scheme uses various sets of advantages (options) you could pick from, depending upon your health care needs and also budget plan. To assist you choose in between medical schemes and medical facility strategies, particular choices the schemes offer and also which advantages to consist of or leave out, it is best to utilize the services of an independent intermediary or healthcare professional.
What other alternatives are there to medical schemes?
You can secure a healthcare facility insurance coverage from an insurance provider. These often pay daily that you are in health center as opposed to for the clinical therapy. These do not fall under the Medical Schemes Act.
What should a medical scheme spend for?
The Medical Schemes Act of 1998 states that clinical schemes must, according to legislation, at the very least spend for the therapy of a specific listing of problems as well as a checklist of procedures (270 entirely). These problems and also treatments are called PMBs (prescribed minimum advantages).
Exactly what are my legal rights inning accordance with the legislation?
The Medical Schemes Act (No 131 of 1998) came into impact on 1 January 2001. According to this act:.
Medicine doctor have standard-rate charges for individuals to join medical aid systems despite their health and wellness or age.
There can be no discrimination on grounds of individuals' health. As an example, a clinical scheme could not refuse to allow someone to join due to the fact that he/she is HIV-positive, or because they have bronchial asthma or diabetes mellitus.
The meaning of dependants includes spouses, life companions and natural as well as followed kids.
The brand-new Act also sets out a complaints treatment for individuals who have a grievance versus a clinical and medical system for all doctors.
Clinical systems- a history.
You and the medical plans act.
Where to complain.
Dental Implant Procedure - What To Know
Going to the dentist is probably one of the most hated experiences by most people. And the worst part about going to a dentist is that you start going at a very young age, pretty much as soon as you get your first teeth. There's no point in your life, really, where you can remember not being tortured by that man with the sharp instrument, poking it into your mouth and ripping your teeth apart with it. Okay, it's not quite that bad, but it's certainly not a pleasant experience. The truth is, very little about a dentist visit is pleasant.
For starters, there's that stupid sheet that he wraps around our neck. If he made it any tighter he'd probably cut off our air supply. Sure, he does this so we don't drool all over ourselves, but the least he can do it loosen it just a little. It's not bad enough that the dentist chair itself with that neck brace is so uncomfortable. Talk about leaving the dentist's office with a stiff neck.
Then comes the x-rays. Now let's face it, this can't be the safest thing in the world. I mean he puts this lead covering over our chest and then leaves the room when he puts on the x-ray machine. And that's not even the uncomfortable part. The worst part of the x-rays is when he takes the film, which is twice the size of our mouth to begin with and he then attempts to jam it into one corner of our mouth while attached to these metal tongs that are heavier than a box of screwdrivers. And we're supposed to hold that thing in our mouth without holding it with our hands? Is he on drugs? And then, we have to go through about 4 of these things, 8 when he has to do a full set every 4 or 6 years.
Then after the x-rays, he sticks that thing in our mouth that sucks up the saliva. Feels like we're having our insides sucked out of us. And then, if that's not bad enough, while he's got that thing in our mouth and digging at our teeth with the metal hook, he begins to ask us things like, "So, have you done any fishing lately?" What does he possibly expect to get out of us when we've got all that garbage in our mouth? But like idiots we try to answer him and end up drooling down our chin. The little bib doesn't help very much.
Then after he's done digging at our teeth for a while and we rinse all this blood out of our mouth, (that can't be good) the next thing he does is brush our teeth with this stuff that could take the chrome off a car bumper. The goal is to clean our teeth, not remove them completely.
And then, after it's all over, he hands us this bill for $118. All he did was take a few x-rays, pick at our teeth and brush them and we get hit with a bill that's 5 times what it would cost us to get an oil change for our car.
And dentists wonder why we hate going there.
Fourways Medicine doctor
For adults seeking counseling, talk therapy is one of the most effective forms of treatment. Children, however, don't benefit from talk therapy and need their own type of engagement - through play. Children often have difficulty expressing and understanding their feelings, and playing provides a safe and comfortable way for children to express themselves. Even very verbally expressive children express themselves more fully through playing.
In a counseling office, toys, games and activities are used to represent words and play therapy clinicians are trained to engage and understand what they have difficulty saying with words. Children and therapists alike can use dolls, puppets, paints, or other toys to allow children the opportunity to work through, heal, and move past the difficult times in their lives.
As with all therapies, only a trained professional should be providing this service. Someone with the credential "Registered Play Therapist" or "RPT" has gone through additional and extensive training to become certified by the Association for Play Therapy.
Therapists have many different levels of education and training. If you're seeking a mental health professional for yourself or your child, you may want to ask the following questions to be able to determine if this is a good fit for your family:
-What was your training as a mental health professional?
-What mental health degree have you earned, and have you become licensed?
-Have you ever received formal education regarding working with children?
-Have you ever received formal education on play therapy? Are you a Registered Play Therapist?
As children grow up, they can experience difficulty with coping. This can be seen in acting out behaviors, or emotionality, or becoming withdrawn and isolated. This can be seen at home, at school, and with other children. They may exhibit concerning behaviors, and some children may need more help than others to learn how to manage their feelings. Generally, if your child's teacher or pediatrician is concerned about your child, play therapy may be appropriate for your family.
It's a wonderful idea to prep your child for play therapy. You can let them know that they will be coming each week to play in the playroom with an adult that wants to help them learn how to take care of their feelings. You can reassure them that it can help children to have someone special to talk and play with.
Therapists understand that you, the parent, are the expert in regards to their child and they are simply a partner in helping your child's emotional health. It's very important to report events to the therapist directly - but please don't ask your child to report the events directly, especially if this is done as a punishment. Even if you're not sure that an event in question is pertinent to counseling, it's always a good idea to call the therapist and talk out the event.
It can be very tempting to ask your child "what they learned" immediately after session. If at all possible, please try to avoid that. Try to empathize with what it would feel like if you were asked such a question immediately after your own counseling session. Parents will always be informed by the therapist if anything came up in session relating to the child's safety or any other vital information.
It's important to respect your child's privacy - as this is the most crucial way we allow our children to have authentic self-expression. Have patience and remember that progress takes time and children should be allowed to work at their pace - in order to build a secure and trusting therapeutic relationship and to ensure that goals are met.
Fourways And Rosebank Dental Care - Qualities of a Good Dentist
Good Arizona dental plans have now become much easier to get than in the past. Not that they weren't "easy" to get before mind you, but the quality of dental plans in Arizona has gotten much better and much more affordable, especially in areas of the Phoenix metropolitan area,including Mesa, Chandler, Gilbert, Scottsdale, Tempe, Glendale, Sun City, Sun City West, etc., along with other major Arizona cities like Tucson, Flagstaff, Yuma and more.
You can pretty much take your pick between traditional dental insurance and dental discount plans for routine maintenance and you'll pay a comparable amount for each. However, if you are in need of a dentist right away, I highly recommend that you look at the dental discount plans instead. The reason that I say this is because dental insurance plans, although they are "decent" for routine dental care like cleanings, x-rays, flouride treatments, etc, they do NOT cover pre-existing conditions without a long waiting period. This waiting period is usually at least 12 months and in some cases even more. Also, many companies will still not cover you 100% for a pre-existing condition EVEN AFTER the waiting period is over.
Dental discount plans are not insurance. They are simply a discounted service for dental care in exchange for paying for your visit in full at the time of the appointment. You pay an annual fee as low as $80 for an individual or as low as $150 for a family plan, after which you'll be able to see a dentist within one to three days. There are no exclusions, pre-existing conditions are fine and you'll receive huge discounts of anywhere between 10% and 60% on major dental care like dentures, root canals, bridge work, orthodontics and much more. Some, not all, but some discount dental plans even provide discounts on cosmetic dentistry.
If you live in Arizona and are in need of a good dental plan, I highly recommend that you take a good look at dental discount plans first, especially if you are in pain right now.


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Out & About
Palm Desert, California, is known for its world-class resort destinations and natural surroundings, but it is also offers residents all the charm of a thriving small town. Get to know Palm Desert a little better with our interactive neighborhood map. Avenida Palm Desert is conveniently located near numerous dining, shopping, and entertainment destinations, including the famous El Paseo Shopping District.


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(image by Boulet, France)
Jean-David Morvan, a comic artist from France, had just visited Japan for the International Manga Awards. Back in France he had to learn from the news that a three fold disaster struck the country he came to be so fond of.
Immediately after he learned the terrible news he started 'Tsunami'. A project in which comic artists from over the world bundle their talent and skills to raise money for a relief fund for the victims of 11.03.11. Thousands of artists and illustrators responded by sending their original works to help Japan. Fifty of those original art works were auctioned and brought in 30.000 euro for the relief fund. Also 250 illustrations were selected for a book called 'Magnitude 9' which was published in September 2011. Already 4000 copies are sold today.
From March 3 to May 6 (2012) the Manga Museum at Kyoto exhibits a number of 120 illustrations from the Tsunami project called 'Magnitude 0'. The zero signifies Japan's northern region starting from 'scratch'.
Of course I've seen and read, the shocking and sad stories and video's from the victims of the Tohoku region. And now we see them again, just as shocking and heartbreaking, since the first anniversary is just a few days ago. I was deeply moved and impressed by the exhibition 'Magnitude 0' at the Manga Museum yesterday. It broke my heart to see, so graphically told, that even so soon after it happened, the Japanese people began to mend what was mendable. Helped by each other, but also strengthened by the hart felt messages and help from other countries, they will continue to rebuild their lives again.
If you have the chance, visit the Kyoto International Manga Museum. If you don't have the opportunity, here's a link to the Magnitude 9 website, for more awe-inspiring art work.
The image that illustrates this article is by the very kind mr. Boulet (France). Merci beaucoup monsieur Boulet!


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It is the dream of many that their retirement is peaceful. Where their time can be spend meandering along endless coastlines or browsing through local museums. Those who have chosen to retire in Spain have found all of these things are so much more. You need to know, that retiring to Spain is a big decision and you will need to do a lot of research before you set out to enjoy your well-deserved retirement.
Below we will take a look at some of the things you will need to consider before you decide to retire in Spain.
What about your finances?
One of the reasons why so many people who have moved to Spain pack up and move back home is due to their finances. If you are not able to sort out your finances before you move to Spain, you will quickly find that you have fallen into a trap and everything around you becomes far too expensive to live. You need to remember that you are heading into retirement, you will need to make sure that the funds you have available to you will last for the rest of your life. Remember that relocating costs money, there are no two ways about it, when I was looking for property for sale in Javea Spain, I found I had underestimated costs considerably. See property prices at www.javea-property.com What's more, a fluctuation in a currency's value can leave you suffering if you haven't protected against it.
What about your family?
When you are looking at your family, you need to keep in mind that if you have children or grandchild who may still rely on you financially and emotionally and this could make you move quite difficult. One of the biggest questions you will ask yourself is whether you will be able to leave your family behind without any regrets. You could also choose to take your family with you, but this will come at an additional expense. One of the most important things you can do is to talk to your family about your move. Find out how they will cope with you and whether they will visit you.
What about your friends?
Many people who have lived in the same house for a number of years have made strong friendship connections. You might find that those connections are what make life so special. You need to keep in mind that when you move you will not have those connections and you will not have a close friend to turn to when things get a little tough. This is something you will need to come to terms with if you decide to move abroad. But, rest assured, you will make new friends and you will be happy.
What about your home?
Before you move to Spain you will need to decide what you will do with your home. You could sell the property, but in doing so you might not have anywhere to return to should things go south. Of you could keep the house and rent it out which will provide you with a small income to sustain you during your retirement. This is one of the biggest decisions you will make. If you do decide to rent the house out you need to know that you will still have to pay for a property in Spain.


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New parenthood can be as scary as it is hope-filled and exciting. In our quest to find the very best way to help our babies grow as healthily as possible, we modern parents often turn to two things — natural medicine, and the internet. If you're a Google-happy mother or father, it may only be a matter of time before you come across a plant called sweet flag, Acorus calamus, bach, or Vacha, among other things, that's said to do a lot of great things. It sounds tempting at first sight, but sweet flag deserves further inspection.
Sweet Flag For Babies: The Claims
Widespread in all of India's traditional medicine disciplines — as well as in many other counties, from ancient Rome to modern-day Italy and Bulgaria — Acorus calamus has been used for thousands of years [1]. The many uses of Acorus calamus (sweet flag) include pain relief, anti-inflammatory action, appetite stimulation, and promotion of cognitive function.
"In Tamil it's called Vasambu or 'Pillai valarpan' which means you can grow your baby with this herb," says one blogger, who adds that her aunt used to "force" her to use sweet flag on her child. Acorus calamus' many reported benefits for your baby include:
- Colic treatment and prevention
- Treatment of vomiting
- A natural bug repellant
- "Building the child's intellect"
- Aiding digestion
Some families use sweet flag when their child is struggling with an ailment the plant is reported to help with, while its use is simply part of the daily routine for others.
Though sweet flag's rhizome extract and essential oil are available over the counter in Ayurvedic shops in many countries, Indian families who use it describe a process in which they burn the rootstock and mix it into a paste with water themselves. The paste is then applied to the baby's forehead and cheeks, and sometimes to the soles of their feet and to their belly buttons. A small amount is also commonly placed on the baby's tongue in order to benefit the digestive system. Finally, the rootstock is tied around the baby's wrist, so that the baby can smell it any time they bring their hands up to their mouths.
Dream vs Reality: Is Sweet Flag Safe For Babies?
As a health website, we're not here to poo on your cultural traditions — and if you are part of a culture in which sweet flag is a commonly accepted part of routine infant care, we aren't really talking to you. If you're from a tradition where Acorus calamus isn't used but you read about it on the internet and now think it may be an all-round miracle cure, however, we are indeed talking to you.
Well, start by considering that Acorus calamus has outright been banned in the United States of America [2] because the same active component that gives sweet flag its indeed scientifically proven medicinal benefits — something called beta-asarone — is also carcinogenic [3]. Oh, did we mention that sweet flag is hallucinogenic, to boot? [4] Given the claim that sweet flag might be given to babies who are vomiting, I'll also add that Acorus calamus has actually been found to have the ability to induce violent vomiting, rather than curing it. [5]
The European Medicines Agency came to a less condemning conclusion, deciding that the concentration of beta-asarone in medicinal products should be kept to a minimum, and adding that a dosage of "about 2 µg/kg bw/day could be accepted temporarily until a full benefit/risk assessment has been carried out" [6].
Acorus calamus doesn't live up to that scrutiny, at least not currently. We would, therefore, advise any naturally-minded, cross-cultural, parent who is considering adopting the tradition of using sweet flag daily to, well, not do that. Sweet flag may be more trouble than it's worth, and it is a risk you do not need to take.


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"You know what." Her lips curled back into some kind of sneer and she stepped her Jimmy Choos over my dirty clothes strewn about my room.
Out of the corner of my eye, I could see the alarm clock telling me it was 11:13 am, and I grimaced. It wasn't even noon yet, and Jane was in heels and red lipstick.
"I really don't," I yawned and pulled the covers up over me more.
"Why haven't you answered my zillions of text messages or phone calls?" Jane yanked my covers off me, forcing me to talk to her.
"Because there were zillions of them," I said and grudgingly sat up.
"Ugh," Jane groaned. She sat down next to me in a terrific huff. "There wouldn't have been so many if you just answered me."
"Well?" Jane looked at me.
Her expression had softened, so she'd apparently forgiven me, which was pretty amazing. Jane's one Cardinal Sin was ignoring her, and I had managed to for almost two days.
"What?" I didn't really know what she was trying to get at. Was I supposed to thank her or something?
"Have you talked to him?" she asked, and I rolled my eyes.
"Him who?" Milo visibly puffed up at the mention of a guy, preparing himself to defend my honor.
Milo was the kid at school that got shoved into lockers, and he was younger than me. I don't know who exactly he could protect me from, but it would be a pretty sorry excuse for a guy.
"Jack!" Jane answered him like it should be completely obvious. When she realized that Milo had no idea who she was talking about, her mouth fell open. "Oh my god, Alice! You didn't tell him about Jack?"
"I have not, no," I shook my head. In fact, I hadn't planned to tell Milo about Jack until I had things sorted out better, but thanks to Jane, that would no longer be an option.
"How could you not tell him?" This fact just flabbergasted her. She couldn't grasp a world where one didn't incessantly talk about Jack.
"I don't know, Jane," I sighed. "It just didn't come up."
To be honest, her instant obsession with Jack was the first thing about him that truly made me nervous. If he had this affect on her, what was he doing to other people? And why wasn't I the same way?
"Wait," Milo said as it dawned on him, and I would've cut off my leg to keep him from completing his thought. "Is Jack the guy you went out with last night?"
"You went out with him?" Jane gasped.
"We just went to a concert. It was no big deal." I kept my tone casual and nonchalant, but I heard her sharp intake of breath.
"Who is this guy?" Milo demanded. Jane's reaction made him nervous, and he did his best to look as threatening as he could.
"Jack is just like the most amazing guy ever," Jane said eloquently.
"He's just a guy," I continued with my ultra-casual voice, and even added a shoulder shrug for good measure.
"How can you even say that?" Jane asked. In her mind, he'd been stacked up with the gods and should only be gushed about in revered tones normally reserved for shoes and hand bags.
"You know what, I just don't get it." I turned to her. "What is it about him that you like so much?"
"You've got to be kidding."
"I'm not."
"But you've met him!" Jane insisted.
"I know that. I still don't get it. You're crazy about him. You've got to be able to articulate what it is that you're attracted to."
"He's just…" Jane fumbled for words. He'd been the only thing on her mind, so why couldn't she explain him? "It's like… There's just something about him. It's completely indescribable. I just want him. More than I've ever wanted anything."
"Huh." That was all I could think to say.
"You're telling me that you don't want him?" Jane asked me in total disbelief.
"No, I don't," I said honestly.
I liked Jack in a really weird way, but not like Jane. It was much simpler and less carnal. Or at least that's what I gathered from the way she talked and acted.
"Did he say anything about me?" Jane returned to the only topic that truly mattered to her – herself.
"Nope." I stood up and started going through my dresser drawers for clothes. The whole conversation had run its course with me, and I was moving on to take a shower and start my day.
"Not a thing?" Her voice sounded so small and sad, but I ignored it.
"Nope," I repeated. "But, look, I'm gonna hop in the shower. And you've probably got better things to do than wait around for me."
"I guess," Jane mumbled.
She looked totally dejected, but I figured that in a few short hours, she'd probably be drunk and dancing topless on some poor guy's table. It was kinda hard to feel sorry for her.
After she finally pulled herself together and left, Milo questioned me about Jack. It took a little while, but I managed to convince him that everything was okay. Reluctantly, he dropped the subject and allowed me to take a shower.
The hot water felt good on my skin, and I let my thoughts wander to where I had left off last night. Something Jane said, about how in love she was with Jack even though she couldn't think of a single reason why, stuck in my head.
That's when it hit me. Jack, the way I saw Jack – attractive with a boyish charm – that's who he really was. What everyone else saw, like Jane and the waitress at the diner, they were just responding to something that wasn't real. The pheromones or whatever created some kind of illusion.
But maybe I wasn't immune. Maybe there was nothing spectacular about Jack at all, but I was just responding to it on a smaller scale. Maybe I was falling for the same trap Jane was.
- 4 -
The television channel TNT, in its infinite wisdom, had a John Hughes marathon running on all day. Milo, who had never understood the appeal of Molly Ringwald, watched them with me. He tried to convince me to watch something else, but I was stronger than him and manhandled the remote.
We started onto our second viewing of Pretty in Pink when my cell phone started to jingle. It was going on midnight and I assumed it was Jane calling for some kind of sober cab service (even though I did not possess a car), but I picked up my phone off the coffee table anyway.


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TAKOMA PARK— The City mayor and Council changed the voting rules in the city charter May 10, bringing a slew of changes to the election process.
"It passed, we just changed our elections…it was harder than giving birth," said Mayor Kate Stewart.
With the adoption of the charter amendment, the date of City elections will change from odd-numbered years to even-numbered years, synchronizing it with State and County elections.
It will also change the date of the nominating meeting, the day which the mayor and Council take office, and will extend the time for certification of election results. The length of the 2017 term will change, too.
The mayor and Council passed an amendment from Council member Rizzy Qureshi (Ward 3) to change the 2017 term from one year to three, as well as the entire charter amendment.
Council members have said they believe this change has the potential to increase voter turnout.
Qureshi brought up his proposed amendment, to mixed reactions from some of his colleagues.
Council member Peter Kovar (Ward 1) said he did not support Qureshi's proposal.
"The purpose behind the underlying change, what we're trying to do is, looking at the fact that we have higher turnout in even years, whether they're presidential, state or congressional, is to encourage higher turnout for our local elections," said Kovar.
Kovar also said he had an issue with Qureshi's proposal because he believed it would extend his term.
Council member Tim Male (Ward 2) remarked that the first time that Council members would want to try the new election processes should not be the next presidential election.
"That's the trade-off for me, making it easy for thousands of people to participate in the elections in 2018 versus the candidates," Male said.
Male also mentioned that he believes there will be various uncontested races in 2017 and 2018, similar to past races.
Council member Fred Schultz (Ward 6) said he agreed with Qureshi's proposed change, citing his learning curve with the position.
"I know it took me at least two years to feel comfortable. I think it would be a disservice to any new person on the Council regardless of their background to limit the first term to one year," said Schultz.


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A critical RCE security flaw has impacted over half of the Internet's email servers. We've patched our servers so you are safe on our platform!
Posts Tagged 'online security'
SSL certificates now easier to obtain and manage via the Control Panel
The SSL certificates section of the Control Panel now offers a more simplified and intuitive interface for managing your SSLs. Learn more from our blog.
Do you have a recovery plan for your site? Here are some tips for you to keep in mind
Maintaining an uninterrupted online presence is not an easy task. Check out our list of measures that you could take to make sure you are prepared to respond to any eventual performance issues that almost no one online is immune to.
How to protect and manage your domain name – best practice guidelines from ICANN
Owning a domain name is not only about making a registration and leaving it in the hands of the registrar. It is a long-term commitment to protecting it from expiration and common poor practices like unauthorized transfers and hijacking. Check out the good practices for managing domain registrations as recommended by ICANN.
Cybersecurity trends and challenges according to the latest Neustar report
Learn more about cyber security trends and what we could expect from the 'bad guys' according to the latest report from Neustar – a leading security services provider who are also the registry behind .US and whom we have accreditation with.
How to secure your Linux VPS – a few practical tips
Securing your Linux server is key to protecting your data, intellectual property and time from the hands of hackers. Learn more about the basics of Linux VPS security from our blog.
What is the GDPR and what is our path to GDPR compliance?
Europe's General Data Protection Regulation (GDPR), which will come into force on May 25, 2018, will 'overhaul' the way businesses handle their customers' information and will ensure utmost data protection. Learn more about the principles of the GDPR and about our approach to GDPR compliance.
12 security measures to protect an unmanaged VPS
A list of 12 security measures that our administrators think are key to ensuring your unmanaged VPS server and your data health.
DNSSEC is now supported by more TLDs on our platform
The DNSSEC security protocol is now supported by a growing number of TLDs on our platform, including country-code and new gTLDs.
The Stack Clash vulnerability threatens the Linux world. System patches on the way.
The Stack Clash exploit has put all Linux systems to test this week. Learn more about this vulnerability and the steps we've taken to protect your data on our servers.
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Duties include: sandwich maker, cleaner, and assisting owner with day to day operations
This is not a paid job opening. It is a volunteering opportunity for customers in Forward Service Corporation's programs. Please talk with a staff member about this opportunity to see if the organization is currently accepting volunteers.