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There are plenty of reasons as to why many people start an online business. For many people, the main reason that they decide to start an online business is to earn an extra income. Usually, this is in addition to the income that they are already earning. However for others, what starts as a part time venture, soon becomes a full time one. Another reason that people decide to start up an online business is that they have more control over their working life. Also, it provides them with a chance to spend more time with their family and friends. Today much too much time is spent working, and many people find that they have little or no time to spend with those that they love. Furthermore, there are other reasons as to why so many people now choose to set up an online business.
Benefits to Starting A Business
What rush hour?
No longer do they need to get up in the morning to rush off to work and get caught up in all that traffic. Now that time which would normally be wasted sitting in traffic can be used to their advantage. Plus, it is up to you when you work, so if you don't want to start until late in the morning, you do not need to.
Because of the rapid advance in technology, many online businesses today tend be prosperous, and so getting involved in this type of business is a good way to make some money.
Costs of Starting Up
This is probably one of the biggest reasons as to why many people choose to start an online business. As many of the transactions are completed online, there is little or no need for lots of paper and documents. What one really needs in order to get an online business going is a computer, a high speed internet connection (ADSL), printer, fax machine and few other essentials that an office may need.
Things That Need to be Considered Prior to Setting Up an Online Business
What product or service will you want to provide? For many people, they will start an online business based on knowledge and experience that they have already, while others may spot a gap in the market. But the most important thing that you can do is carry out research with companies and individuals that you do not know in order to get a more unbiased view.What product or service will you want to provide? For many people, they will start an online business based on knowledge and experience that they have already, while others may spot a gap in the market. But the most important thing… Click To Tweet
Also, do as much reading and research on everything you can about particular areas of interest, as well as studying the pros and cons that this will have in relation to your overall goals. Plus, make yourself familiar with your competitors, as this will boost your confidence and enthusiasm for setting up an online business.
Where to work from?
You do not need to work from home, but this is an option that many online business people prefer. But others prefer to have an office away from the home, as they find it difficult to focus, as well as feeling isolated.
How to market the business?
It is important, if you want your online business to thrive, to ensure that you establish a web presence. The best way of doing this is by digital marketing. Your web presence is crucial to the success of your business. However, if you are unsure where to start, then look at how your competition is marketing their goods…if it works for them, it may work for you also.
Develop a Plan
Without having a blueprint on how to reach your goals, you may find that not just your efforts, but the resources may well be squandered. Having a plan provides you with focus, direction and momentum to keep the business on track. We will look further at setting up a business plan in the next chapter.
Check Laws and Regulations
It is important that you check to see if there are any local laws or regulations in relation to setting up an online business from home. Also, you will need to get laws and regulations in regard to being self employed.
Setting up the Office
More often than not, an online business will be conducted from the person's home. So it is important that you set up a home office prior to starting up the business. You should arrange to have all the necessary equipment that you will need such as computer, internet connection, printer, fax machine (but not essential) are just a few things that you will need if you want to be successful with your online business.
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Our Team Colt Robinson
Colt's love of the ocean began as a child in Palm Beach, Florida, where he relished fishing, sailing, surfing, and diving. He later attended Avon Old Farm School near Hartford, Connecticut and received a degree in history from the University of Mississippi.
His 14 years of hands-on experience in the real estate and golf/resort development arena, including Kiawah Island Real Estate and Mountaintop Golf & Lake Club in Cashiers, North Carolina, enables him to work closely with buyers, sellers, and families to achieve their lifestyle goals. "I enjoy meeting people from all over the world, helping them discover Kiawah and find their piece of paradise," he says.
A devoted resident of downtown Charleston, Colt revels in the connection between the Holy City and Kiawah. "I love everything about Charleston, especially the friendly people," he says. "I remember being blown away while driving across bridges over the marshlands and seeing Kiawah's beach for the first time. It felt like home. This is still my favorite place to arrive and hardest place to leave."
Colt especially enjoys being part of a dedicated, knowledgeable group of real estate experts who know and love the Island. "The chance to work with Kiawah Island Real Estate was a once-in-a-lifetime opportunity," he says. "We work as a genuine team, and together we're able to bring more to many of our buyers and sellers than any one realtor could. No one understands the processes, properties, or Kiawah lifestyle better than we do. It's all we do."
843-768-5312 Office
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"I love everything about Charleston, especially the friendly people… I enjoy meeting people from all over the world, helping them discover Kiawah and find their piece of paradise."
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If you have any questions or comments, or would like to get in touch with us, please let us know and we will follow up with you as soon as possible.

subset: commoncrawl


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Key Traits a Great Acupuncturist Should Have.
Unlike the past where acupuncture was practiced in the areas where it originated from, now people all over the world have come to know about its benefits and there are clinics all over. Nevertheless, just like all doctors are not on the same level, all acupuncturists are not either. On this note, knowing the qualities the best acupuncture technicians should have will help you make a wise choice when deciding where you will seek the services from. This is a procedure where needles are used from the start to the end and it means the person has to know where to place them. Additionally, you should be dealing with an individual whose spirit connects with yours. This is what will make the acupuncturist understand your problem and render better healing. You will get far much better services if you are dealing with an acupuncturist who is intuitive.This can only be possible if the professional is on a higher spiritual growth meaning his or her baggage will not be getting in the way of the treatment.
Just like in every treatment setting, you won't feel good if the person you are going to for help is making you feel worse. Thus, the best acupuncturists are those who are sensitive to the needs of their patients. Pick someone who will seek to understand where you are in your healing and also come up with a treatment plan that addresses the issues you are dealing with precisely. The professional you pick should be able to think outside the box. Treatment procedures evolve with the time but this does not mean that the process is being diluted and this is why you ought to be working with a person who understands this well enough.
Not everyone going to the acupuncturist will only have physical pain but others will have emotional and psychological imbalances. At times, talking does help and you need an acupuncturist who will listen even if he cannot do anything to help you with the situation. Pick someone who can listen without interrupting you or bringing up issues in his or her life. It is important to go to an acupuncturist who will have the time for you even if you call last minute. When you have to wait for months for a session to open up you will be suffering in silence just because you are being adamant about getting the services from a particular acupuncturist.
The Essential Laws of Wellness Explained


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Just in the past year, I have helped launch and manage several online communities, large and small, private and open (I also dissuaded one organisation from launching a network – but that's another story), and many others have been doing the same. Over a million communities have been created on the Ning platform alone (see …
Tag: Ning
Apr 28 2009
Where are the AEC communities?
- By Paul Wilkinson in AEC, marketing, networks, Web 2.0
Mar 24 2009
Ada Lovelace Day: a salute to Pam Broviak
- By Paul Wilkinson in blogs, climate change, networks, Twitter, Web 2.0
"Ada Lovelace Day, 24 March, is an international day of blogging to draw attention to women excelling in technology. Women's contributions often go unacknowledged, their innovations seldom mentioned, their faces rarely recognised. We want you to tell the world about these unsung heroines. Whatever she does, whether she is a sysadmin or a tech entrepreneur, …
Mar 02 2009
Ten things to manage in a recession: 1 – memberships
- By Paul Wilkinson in AEC, blogs, marketing, PR, recruitment, RSS, Twitter, Web 2.0, wikis
My previous post about managing IT expenditure in a recession was focused on helping an architecture, engineering or construction (AEC) business reduce its day-to-day operational expenses. Deploying Software-as-a-Service solutions helps save money (that could then be invested in marketing or PR), and can give some competitive advantages and reputation benefits. But that might not matter …
- AEC, AECnetwork, architecture, Be2camp, Bebo, blog, CAPSIG, CIMCIG, CIPR, Constructing Excellence, construction, Construction News, engineering, Facebook, IBP, ICE, LinkedIn, Liz Male, marketing, Myspace, Ning, PR, RIBA, RIBApedia, Ross Sturley, RSS, SaaS, social media, Twitter, Web 2.0, wikis
- 2 comments
Feb 05 2009
Building communities
- By Paul Wilkinson in AEC, Web 2.0
A fortnight ago, I helped facilitate a workshop attended by about 16 UK construction professionals, all members of Constructing Excellence's collaborative working champions group (see my EE post Collaborative Working Champions going online). My friend Martin Brown (isite) and I introduced the group to some of the basic principles of social media and gave them …
Feb 03 2009
Let's make construction more 'social'
- By Paul Wilkinson in Web 2.0
[This is a re-post of a blog article I wrote for Building Sustainable Design, which launched this week – also reproduced on ExtranetEvolution.com.] I have spent more than half my career in the architecture, engineering and construction (AEC) and property industry looking at issues relating to collaboration, and since 2000 have been focused on how …
- AEC, age, architecture, Be2camp, blog, Building Centre, Building Sustainable Design, climate change, collaboration, conservatism, Constructing Excellence, construction, design, economic, engineering, environmental, extranets, FM, iGoogle, Institution of Civil Engineers, internet, Latham Report, London, mobile devices, Ning, Pam Broviak, PCs, People, people and processes, Planet, planning, Profit, RIBA, RSS, Second Life, social, social media, social networking, Strategic Forum for Construction, sustainable built environment, tagging, technology, three Ps, Twitter, Web 2.0, wikis
- 2 comments
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Book LayoutComposition-Layout
Basic book layout
Asking a book design firm to set your book against the typeface itself is largely determined by a tightening of your book design budgets. Yet, once you realise the amazing number of detail that developers need to pay attention to in the book plan, you may find that it is best to spend your quality book being marketed by your professionally desigend instead of trying to become a book designer yourself-.
These are the most fundamental questions of the book layout you should pay attention to: That book block: A book looks like a book (and not like a brochure or report) because the text is limited to a narrow area on the page, the so-called book blocks, where the opposite pages end on the same line. Large edges around the book blocks allow the eyes to move from one line to the next while in use.
If a book is hardcovered, the pages are squeezed together a little and take up a little bit of room in the margins. View a traditional book; if you place a rule under a line on the lefthand side, it is aligned with the same line on the opposite side. You' ll be spending a great deal of your own effort to adjust the line pitch to make sure this happens, especially if you have subtitles, listings and artwork.
The book designers go back and forth and revise the pages as needed to get them out. If a subtitle is at the end of a page, it should be followed by at least two rows of text while the book is intact. Linespacing: A number of writers try to raise or lower the number of pages in a book (e.g. to lower the cost of printing) by changing the line pitch.
Do not try to deceive anyone by inserting or removing so many line spaces that it looks inane. Heel distance: Free yourself from stacking words by overwriting your application and either changing the space between words or tracing or re-writing the text by hand. When you choose to create books yourself, you can buy advanced book designs such as InDesign and you' ll soon be learning to use them.
This kind of piece of software represents an initial cost of ownership and the amount of training needed to get the required results. Adhering to all these regulations will take a long period of patience, so we strongly recommend that you hire a pro. To understand and follow the regulations is what book artists do.


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An exchange-traded fund is a basket of securities — stocks, bonds, commodities or some combination of these — that you can buy and sell through a broker. ETFs offer the best attributes of two popular assets: They have the diversification benefits of mutual funds while mimicking the ease with which stocks are traded.
Like any financial product, ETFs aren't a one-size-fits-all solution. Evaluate them on their own merits, including management costs and commission fees (if any), how easily you can buy or sell them, and their investment quality.
ETF = 'Exchange-traded fund'
An exchange-traded fund — better known by the acronym "ETF" — is a fund that can be traded on an exchange like a stock (hence the name). ETFs give you a way to buy and sell a basket of assets without having to buy all the components individually.
An ETF works like this: The fund provider owns the underlying assets, designs a fund to track their performance and then sells shares in that fund to investors. Shareholders own a portion of an ETF, but they don't own the underlying assets in the fund. Even so, investors in an ETF that tracks a stock index get lump dividend payments, or reinvestments, for the stocks that make up the index. (Related: Learn how to invest in index funds.)
While ETFs are designed to track the value of an underlying asset — be it a commodity like gold or a basket of stocks such as the S&P 500 — they trade at market-determined prices that usually differ from that asset. What's more, because of things like expenses, longer-term returns for an ETF will vary from those of its underlying asset.
How ETFs work, in 3 steps
- An ETF provider considers the universe of assets, including stocks, bonds, commodities or currencies, and creates a basket of them, with a unique ticker.
- Investors can buy a share of that basket, just like buying shares of a company.
- Buyers and sellers trade the ETF throughout the day on an exchange, much like a stock.
» Ready to get started? See our guide to the best brokers for trading ETFs
ETFs vs. mutual funds vs. stocks
Generally speaking, ETFs have lower fees than mutual funds — and this is a big part of their appeal. Whereas the average U.S. equity mutual fund charges 1.42% in annual administrative expenses — what's called an expense ratio — the fees on the average equity ETF are 0.53%, according to data from ETF.com, a subsidiary of the Chicago Board Options Exchange that's dedicated to these investments.
ETFs also offer tax-efficiency advantages to investors. There's generally more turnover within a mutual fund (especially those that are actively managed) relative to an ETF, and such buying and selling can result in capital gains. Similarly, when investors go to sell a mutual fund, the manager will need to raise cash by selling securities, which also can accrue capital gains. In either scenario, investors will be on the hook for those taxes.
ETFs are increasingly popular, but the number of available mutual funds still is higher. The two products also have different management structures (typically active for mutual funds, passive for ETFs).
» MORE: Investing in ETFs versus mutual funds
Like stocks, ETFs can be traded on exchanges and have unique ticker symbols that let you track their price activity. There's SPY for one of the ETFs that track the S&P 500, and fun ones like HACK for a cyber-security fund and FONE for an ETF focused on smartphones. That's where the similarities end, however, because ETFs represent a basket of assets, whereas a stock represents just one company.
Pros and cons of ETFs
U.S. investors had $3.4 trillion invested in ETFs in 2018 — more than double the cash invested in ETFs in 2013, according to the Investment Company Institute. Investors have flocked to ETFs because of their simplicity, relative cheapness and access to a diversified product.
Investors have flocked to ETFs because of their simplicity, relative cheapness and access to a diversified product.
Pros of ETF investment
- Diversification: While it's easy to think of diversification in the sense of the broad market verticals — stocks, bonds or a particular commodity, for example — ETFs also let investors diversify across horizontals, like industries. It would take a lot of money and effort to buy all the components of a particular basket, but with the click of a button, an ETF delivers those benefits to your portfolio.
- Transparency: Anyone with internet access can search the price activity for a particular ETF on an exchange. In addition, a fund's holdings are disclosed each day to the public, whereas that happens monthly or quarterly with mutual funds.
- Tax benefits: Investors typically are taxed only upon selling the investment, whereas mutual funds incur such burdens over the course of the investment.
Cons of ETF investment
- Trading costs: ETF costs may not end with the expense ratio. Because ETFs are exchange-traded, they may be subject to commission fees from online brokers. Many brokers have decided to drop their ETF commissions to zero, but not all have.
- Any buyers for the ETF? As with any security, you'll be at the whim of the current market prices when it comes time to sell, but ETFs that aren't traded as frequently can be harder to unload.
- Risk the ETF will close: The primary reason this happens is that a fund hasn't brought in enough assets to cover administrative costs. The biggest inconvenience of a shuttered ETF is that investors must sell sooner than they may have intended — and possibly at a loss. There's also the annoyance of having to reinvest that money and the potential for an unexpected tax burden.
Shopping for ETFs
It's important to be aware that while costs generally are lower for ETFs, they also can vary widely from fund to fund, depending on the issuer — the biggest being iShares, SPDR and Vanguard — as well as on complexity and demand. Even ETFs tracking the same index have different costs.
One trend that's been good for ETF shoppers — in October 2019 many major brokerages dropped their commissions on stock, ETF and options trades to $0.
Here are some of our top picks for the best brokers for ETF investors:
$100 to $2,500
$100 to $2,500
Up to $600
Up to $600
» Check out our full list of the best brokers for ETF investors.
Most ETFs are passively managed investments; they simply track an index. Some investors prefer the hands-on approach of mutual funds, which are run by a professional manager who tries to outperform the market. There are actively managed ETFs that mimic mutual funds, but they come with higher fees. So consider your investing style before buying.
The explosion of this market also has seen some funds come to market that may not stack up on merit — borderline gimmicky funds that take a thin slice of the investing world and may not provide much diversification. Just because an ETF is cheap doesn't necessarily mean it fits with your broader investment thesis.
» MORE: Fees might be eating into your retirement savings
How to invest in ETFs
There are a variety of ways to invest in ETFs, how you do so largely comes down to preference. For hands-on investors, the world of ETF investing is but a few clicks away. These assets are a standard offering among the online brokers, though the number of offerings (and related fees) will vary by broker. On the other end of the spectrum, robo-advisors construct their portfolios out of low-cost ETFs, giving hands-off investors access to these assets.
For all their simplicity, ETFs have nuances that are important to understand. Armed with the basics, you can decide whether an ETF makes sense for your portfolio, embark on the exciting journey of finding one — or several.


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Hey guys! I feel like all my posts have been starting the same way the last few times however, starting from today each Wednesday I will be taking part in the WWW Wednesday meme. That way at least I know there will be weekly content being posted and I'm also going to try getting back into reviewing again too.
So, to get started; WWW Wednesday is a meme led by Sam over at Taking On A World Of Words. All you have to do to take part is answer three (3) questions!
- What are you currently reading?
- What did you recently finish reading?
- What do you think you'll read next?
At the moment I'm currently reading The Girl In Between by Laekan Zea Kemp. The Girl In Between follows Bryn, a teenage girl who suffers from Klein-Levin Syndrome (KLS) which means that she suffers episodes of prolonged sleep that can last anywhere from a few weeks to months. Whilst in these states of sleep, Bryn lives in an alternate reality where she lives her past until one day a mysterious boy shows up. You can find the full synopsis here.
I'm not 100% sure on how I feel about it yet. I mean I'm halfway through it already but that's just because I need to find out if Bryn finds out who the boy is and to also find out why he has suddenly appeared (I highly doubt it because there's 4 books in the series). I'm not fully engrossed in it as much as I want to be and I am struggling to pick it back up again once I've put it down but like I just said, I need to know what is going to happen so I'm going to keep going and see how this one ends before deciding if I want to read the rest of the books or not.
I'm also listening to Tess Of The D'Urberville's on audiobook. This book has been one of my favourite books for about 6 years now and I just absolutely adore it after studying it at school. Tess Of The D'Urbervilles is such a heartbreaking story and I wouldn't even be able to write a short synopsis without spoiling anything so to see what the book is about then you can go here. This book is one I can read over and over again and no matter how many times I read it, I still feel the same amount of anger, sadness and heartbreak for everything that Tess is put through. I highly recommend this book to everyone!
I've just recently finished reading the first two books in the Arc Of A Scythe Series and I am completely obsessed! Scythe starts us off by introducing Citra and Rowan to us, two teens who live in a world where death by natural causes has been completely eradicated and you can now only die at the hands of a Scythe. Citra and Rowan are chosen by Scythe Faraday as apprentices and so begins their journey on learning the art of killing as well as understanding why Scythes have to do what they do. Only one of the characters can become a scythe and they both then find out that whoever wins the ring must glean the other.
Thunderhead pretty much starts off where Scythe finished. Again we follow Citra, Rowan and a few more familiar Scythes as conflict within the Scythedom is growing day by day. With one of their lives in danger, it all becomes clear that there is a master plan in the works to ruin everything as it is. As the Thunderhead observes what is going on, will it decide to intervene and help save what is wrong? Or will it standby and watch the world fall apart?
I absolutely adored these two book and I'm so excited for book 3 to be announced. With the way Thunderhead ended, I don't think I can wait too long because the ending was HUGE!! The plot was just so different to a lot of YA Sci-Fi I've read recently and it was just really interesting to see Shusterman's take on the future. I found the characters to be extremely strong and there was a lot of character development too which was great. I loved the range of characters included in the story. There was the few I loved and then the few that I despised and wanted to see the end of.
If you're into Sci-Fi/YA, then I highly recommend this series to you!
In October's Fairyloot box, we received a gorgeous edition of Girls Of Paper And Fire by Natasha Ngan and for the first time ever they're doing a read-along of it tomorrow so I'm looking forward to starting that and experiencing it along with everyone else! I've heard so many good things about this book and it's made me even more excited to start reading it too!
Other than that, I haven't really planned what else I'm going to read. I'll need to wait until I've unpacked all my books after moving and go from there. There's so many Fairyloot books I haven't read yet so I might even make a start on them and I'm also hoping to plan my TBR for Book Roasts Magical Readathon that is happening in December! If you want more information on how you can take part in that too then head over to her YouTube channel or just click here and it'll take you straight to her announcement video!
If you guys have done a WWW Wednesday post then please link it below so I can check it out and I'll see you all again soon.
Be fab and have a good week ahead!


text: We are a public, non-profit, charitable service organization dedicated to the needs of farmers, consumers and communities. We are managed by a volunteer Board of Directors and work with community development groups. We hold weekly Farmers' Markets in many local neighborhoods. In addition to providing a healthy shopping experience, markets provide a natural setting for special events. Learn More About Us »Markets Managed by the Federation (2004)


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Bling Buzz Blog — blog
Latest Wedding Jewelry Trends 2018 1
Bridal jewelry has been around since early times. It has evolved from ancient braided grass and hay to modern fine designs made of precious gems and metals. Weddings are among the grandest and special occasions in people's lives. It is not only a celebration to unite two individuals in a holy matrimony, but also to unite the two families.
- Cate & Chloe
- Tags: accessories blog C&C Cate and Chloe jewelry trends
Today Show Features Cate and Chloe as New Favorite Brand for 2018 0
Cate & Chloe white gold infinity drop Necklace and Earrings were featured on the Today Show as the New Favorite Jewelry Fashion Brand on 2018. They were featured as the "Best Deal of The Day" on the Today Show.
Huffington Post Features the Jordyn Necklace in its Labor Day Weekend Essentials Guide! 0
Huffington Post recently posted a guide to the best jewelry to pick up for the Labor Day weekend, and C&C's Jordyn Necklace was prominently displayed on the list!
Check it out! Cate & Chloe's Be Bold Collection Necklaces make the Hi-Tech Chic Back to School Buyer's Guide 0
We're happy to announce that our most popular necklaces from the Be Bold Collection have graced the top the the Hi-Tech chic back to school shopping list!
- Cate & Chloe
- Tags: accessories Annabelle Earrings Back to School be bold collection blog Blog Appearances Blog Feature blogger blogpost C&C Cate & Chloe Cate and Chloe cateandchloe fashion fashion news Hi-Tech Chic Jacqueline Necklace jewelry Jordyn Necklace necklace necklaces news Press Press Feature shopping women
Virginia Sinicki of 97.9 WRMF Shows off the C&C Margaret "Protected" Statement Necklace! 0
Beloved radio host Virginia Sinicki is fond of her new Margaret "Protected" Statement Necklace and wanted to show it off!


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Each visitor will have a chance to cross over from earth to the deep space beyond, where sound, light, and time itself move differently.
You'll receive our expert guidance in your crossing and your return, as well as a collection of words from fellow travelers - part passport, part visitor's guide, part program of events.
We can't say for sure what you'll see on your pilgrimage - it is never quite the same - but we know something is out there, in the nothing. And it watches back.
See what you can see. Let the darkness hold you. Leave light and body behind you, for a while.
Come back changed.
Sarah Vogelsang-Card, Noah Witke Mele; body paint by Toby MacNutt and Noah Hirka
The show takes place in Spotlight's black box theater. Access is step-free and performance is on a single flat level. Seating is flexible and optional. The lighting level will be very low; staff will be on-hand to assist with navigation as needed. If you'd like to further dampen your sensory experience, disposable earplugs will be available.
Certain showings (1pm on Saturday, 5pm on Sunday) are available as access-enhanced showings. These showings feature a higher light level and will have staff on-hand to offer verbal description and touch tour elements to whoever may desire them.
The Visitor's Guide zine is available in print, digital, large print, and Braille formats.
For additional accommodations or with questions, contact Toby (email@example.com)
Saturday Jun 9: 1pm (access-enhanced), 2, 2:30, 3, 6, 6:30, 7, 7:30pm
Sunday Jun 10: 1, 1:30, 2, 2:30, 5 (access-enhanced), 6, 6:30, 7, 7:30
Kids 8 & under free - no need to book a ticket. Children are welcome at all showings; those afraid of the dark might be happier at access-enhanced showings as they have more light.
"Apastron" by Jennifer Mace
"jumping species" by Kaolin Fire
"A Cosmological Constant" by Toby MacNutt
"Bisecting Infinity" by Jennifer Mace
"astrophobia" by Rae White
"Do Not Imagine" by Mari Ness
"we traverse the dark" by Hester J Rook
"Kore Rises: Act I, stillness" by Melody Watson
June 9–10, 2018
This event has already occurred.


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Indianapolis-based Anthem Inc., the second largest healthcare insurance provider, recently reported a data breach affecting 80 million customers and employees, according to the Wall Street Journal. The breach itself occurred in mid-December, 2014, but wasn't discovered until the end of January 2015.
So how did they do it?
It was revealed that hackers were able to somehow obtain the access credentials to an Anthem database, as Anthem's CIO told the Wall Street Journal. And as the Associated Press reported, hackers were able to steal the credentials of five different technical employees during their attack.
The company reports that no medical or financial information was exposed, but their names, birthdates, medical IDs, Social Security Numbers (SSNs), physical addresses, email addresses and employment information (including income) were breached. Anthem offers Blue Cross Blue Shield insurance with office locations in California, Colorado, Connecticut, Indiana, Maine, Ohio and many other states; and insures one in nine Americans.
Data breaches revealed last year put this particular healthcare breach near the top when it comes to the most records breached - Target's breach affected 40 million, Home Depot - 56 million, and JPMorgan Chase topped it out at 76 million.
A History of Database Security Problems
However, this isn't the first major data breach for the company. Anthem was also formerly known as WellPoint, which might ring a bell for those that have been following the healthcare data breach headlines for a few years now. In July 2013, WellPoint was fined $1.7 million by the Department of Health & Human Services (HHS) after the company violated HIPAA (Health Insurance Portability and Accountability Act of 1996) compliance in 2010.
In that case, a 'security weakness' in an online application database rendered more than 600,000 records containing electronic protected health information (ePHI) publicly accessible online. The lawsuit brought against the health insurer by the federal government claimed that WellPoint didn't have technical safeguards in place to verify the identity of users accessing the data in their application database; suggesting they had poor access and authentication security in place at the time.
In the 2010 incident, hundreds of thousands of medical and personal records were leaked online. While the most recent incident leaked only personal information, not medical (therefore, they're not within scope of HIPAA, as HIPAA only sets standards for protected health information) - the breach was very clearly a direct attack by an external entity as opposed to an oversight in database security.
However, it would appear that the company has trouble securing its databases containing sensitive information. Anthem's CIO told the Wall Street Journal that they first detected the attack when a systems administrator noticed that a database query was sent using his identifier code, although he hadn't initiated it. That suggests that a hacker had gained legitimate access via system administrator credentials - signifying a potential phishing or other credential-stealing attack.
In immediate remediation, the CIO reported that Anthem has reset all employee passwords with privileged access to its data systems, and blocked access that involves only one password. But that doesn't really address password-targeted attacks, including social engineering efforts, such as phishing emails, and it certainly doesn't address repeated phishing attacks against employees or customers.
Phishing Scams Target Anthem Customers
And it would appear as though Anthem victims are already being targeted in phishing scams launched hours after the breach announcement, as KrebsonSecurity.com reports, suggesting that the data has already fallen into the wrong hands. Seeking to exploit the incident to steal financial and personal data from Anthem customers, phishers have sent out emails with a link persuading users to "click here to get your free year of credit card protection." They're also calling cold-calling customers as part of the scam.
Anthem stated that any legitimate notifications from the company will be sent only via postal mail. In an FAQ about the breach, they also added a note about scams:
Q: I think I received a scam email related to Anthem's cyber-attack?
A: Members who may have been impacted by the cyber-attack against Anthem, should be aware of scam email campaigns targeting current and former Anthem members. These scams, designed to capture personal information (known as "phishing") are designed to appear as if they are from Anthem and the emails include a "click here" link for credit monitoring. These emails are NOT from Anthem.
DO NOT click on any links in email.
DO NOT reply to the email or reach out to the senders in any way.
DO NOT supply any information on the website that may open, if you have clicked on a link in email.
DO NOT open any attachments that arrive with email.
Two-Factor Authentication Protects Administrator Access
Phishing attacks bypass a number of security controls, including encryption, and they are often the easiest and most successful ways to get access and data. If the Anthem attack was carried out as the result of using a single password, their access security wasn't up to industry standards.
Two-factor authentication may have thwarted attacks by requiring the use of a personal device to verify the identity of a system administrator or other technical employee with access to their database of millions of sensitive records. It's considered best practice for any type of company with sensitive data, and it's rather revealing of the security health of the healthcare industry if the second-largest health insurer didn't have it in place.
To learn more about how to help navigate through some of the new risks in the retail industry, please check out this free guide that provides a detailed overview of the retail industry's current state of security and recommendations on safeguarding customer financial information.


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Ever since I have moved to London, I have been praising the local transport system. The way they have managed it is quite remarkable considering the pretty small road compared to what we have in Pakistan. And to have bus stops and routing through these and that too without affecting the traffic is a feat in its own sense. The other good thing is you will find a map, timetable and details of the buses stopping over right at the bus stops. But two days ago I happened to travel through train and tube en route to Central London. And the experience I had has only train and tube to the list.
For a confused traveller like me they have all the minute details in place. You will find everything on the station, from the directions to move around, the schedule of the trains, which train or tube goes where and the explanatory maps. The Transport for London authority has ensured that no one gets lost in London. But despite of all that I almost lost the way twice around the station and then could have easily rode the wrong tube, thanks to the gentleman, who guided me, for saving me from the pain. It all happened because of my confusion and I am sure many would find themselves in the same state as I was upon seeing 14 trains at one single station. It was eventful, adventurous and enjoyable experience though.
The 7th Chapter of 'Literature, Criticism and Theory' by Andrew Bennett & Nicholas Royle begins with these lines:
"Stories are everywhere: in movies, sitcoms, cartoons, commercials, poems, newspaper articles, novels, computer games and websites. We all make use of stories every day and our lives are shaped by stories – stories about what happened in our dreams or at the dentist, stories about how we fell in love or the origins of the universe, stories about war and peace, stories to commemorate the dead and to confirm who we are."
Life in itself is a story and we are the writers. Throughout our lives we continue to write and narrate one thing or the other good in various forms, actions and shapes. And this activity begins from the day we are born and the first line of it starts from weeping/crying which ends with the other people crying. We all have a freehand to write whatever we want to in the span of our lives, no questions asked. No one is going to come and tell you that you are doing this right or wrong except for the people in certain conditions and environment. Although most of the times we don't like people telling us 'how to do things' mostly because we like to tell and hate to be told. We have all the rights to direct our life story although with some limitations which are reserved with the Producer who is widely heard but yet unseen.
The limitation is perhaps of the beginning and the end, the rights of which rest with the Producer and the writer has no control over it. But whatever happens between the definite beginning and end is what we all write. Without a beginning there is no concept of the story and certainly there cannot be any end. So it is a fact that for a good story the beginning and end are the most important things. And the same applies to the professional writers, the life in the story depends upon the sound beginning and even sounder end but that does not mean that the middle part has no such importance – it is essential too. The middle part is like what breathing is to us and if we can try taking care of the every breath it will lead to a sound end. I don't think there is a definite principle of achieving it apart from some of the foundations and boundaries. Every writer has a different methodology and this is what makes him unique but at the same time there are some fundamentals which he must consider like grammar, punctuation, tenses, structure etc.
Every beginning has an end and in the same respect every end has a new beginning. The transition from end to another beginning can be different but there will be one. It might live in something entirely different but it certainly will. This concept is can also be called annihilation and subsistence in the light of Tassawaf (Sufism). Everything which annihilates finds subsistence in one form or the other. Although the grass is annihilated by a goat but it finds subsistence in the body of the goat. And when this goat is eaten by the mankind it finds subsistence in his body, so on and so forth. Similarly a good story might end but it finds the survival in the memory of the reader to live forever. And all the incidents and happenings in our life are memorable because of this, irrespective of them being good or bad. Every end converts in to a new beginning just like the morning leads to night and then night leads to morning. It is a continuous process. All the glimpses and shadows of a day will end with the night but these will find subsistence in our memory on the following day – the new beginning.
While there can be various outcomes from an imaginative stories but in real life there can only be two. Like the two edged swords everything in life has two ways, every plot has two ends and the choice is with the writer. The Producer will only bring us to a certain point of parallel cross over (diversions) only to leave the rest on the writer. While writing a book or a novel the writer has the authority of deciding the beginning and the end but in real life we don't have such liberty. It is safe to assume that this whole theory of beginning, middle and end is Universal which was established by the Holy Quran.
Is it really possible for the mankind, in general, to structure the thought and imagination process in some form, I don't think so. But those who achieve that state are the blessed and consecrated people from a particular class.


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Canoeing scout camp
Canoeing scout camp came to an end. The camp was marked with various activities organized within 3 days.
The camp was organized by the Association of Scouts of Azerbaijan and it was the second canoeing camp in Azerbaijan.
The main purpose of the camp was raising interest for the sports of rowing that Azerbaijani athletes attends succesfully in Olympic Games and the World Cup among youth and to promote scout movement in Mingachevir .
During the camp, participants were taught canoeing, rowing, swimming and at the same time scout skills learned in accordance with the cout methods and traditions.
It should be noted that in the organising of the camp Canoeing Children and Youth Sports school under the Ministry of Education of Azerbaijan, Mingachevir City Executive Power, Mingachevir Children's Creative Center, Ministry of Emergency Escape closely supported.


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Ask The Expert WEBCAST with BioProcess International
Wednesday, Dec 7th at 11:00am – 11:15am EST
A strategy for scale up and implementation of Insect Cell Culture should be assessed at the earliest stages of process development as there are a different set of challenges in the culture of ICC and BEVS versus a CHO culture and a limited number of vendors experienced enough to guide you through the adventure of manufacturing ICC. Each system has a unique problem set ranging from which cell line to use, where and how to bank the cells to what media to use to the strategy for viral preparation. Keeping track of where you want to end up can help shape the process and determine at what stage you want to implement the steps to make the process more reliable and robust as a manufactured product and not just something that is executed on the bench top.
We invite you to join Sharyn Farnsworth for this 15 minute webcasts.


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Jen over at Jen's Scrap Closet is having an Imagine Challenge. The Challenge is to use the Sun from the Image More cartridge that came with most machines. This is what I came up with.
I started a with a 4 1/4" X 5 1/2" portrait card base from Kraft card stock. I used my Imagine More Card cartridge and printed a 5" blue mat and the patterned mat using the square stock image in the Imagine. I cut the blue mat down to 4" X 5 1/4" and the patterned paper mat to 3 3/4" X 5". I cut the sun from the Imagine More cartridge at 2" using the layer feature. Using the Straight From the Nest cricut cartridge I cut the grass image from page 41 of the handbook. I flooded the the layers with two different green patterned papers from the Imagine More cartridge. I used the border feature shift image to cut the flowers also at 2" and flooded them with a light purple color from the Imagine More Cards cartridge. I pop dotted the grass and the flowers. I also pop dotted the sun image between the layers as well as to the card. I added some yellow pearls to the middle of the flowers and stamped my sentiment Celebrate Sunshine.
Sunday, February 27, 2011
Celebrate Sunshine
5 comments:
Beautiful card Deanna! All your cards are so pretty! : )ReplyDelete
Love it Deanna!!!ReplyDelete
that is a beautiful card Deanna!!!ReplyDelete
I am behind as usual - love the colors and the design is wonderful!ReplyDelete
Thanks for playing in my challenge! :) i really like the straight from the nest cuts you did too!ReplyDelete
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JPJ SIX POINT DIAMOND Ring
The SIX POINT Ring is the perfect statement ring or the star of your stack. We love mixing this with a traditional platinum or white gold wedding stack to give it a modern sensibility, worn as a right hand ring or stacked with some THICK ROUND Rings.
14 kt gold
Approx. 3mm diamonds
Approx 4.8mm bezel setting
Approx 1.8mm band
Please review our Shipping & Returns policy here


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Sevillana™ Necklace Peach
This product is currently sold out.
Description & Details
The simple, evocative shape of Elsa Peretti Open Heart designs celebrates the spirit of love. Elegant pearls pair perfectly with the delicate heart toggle closure.
- Sterling silver with freshwater cultured pearls
- Size medium
- 7.5" long
- Original designs by Mikki Onda


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Many business owners who are thinking about retirement want to make a succession plan, but very few…Read More
The foundation for any co-operative is its shareholders (often called "members"). Shareholders can support their co-op…Read More
Choosing a co-op type is an important step in developing a co-op. Co-operative businesses use a…Read More
Early in the process of setting up a co-op, meetings provide a group the chance to…Read More
When forming a co-operative, there are often more people to work with and more ideas to…Read More
The co-operative business model combines the best of small business ownership and a corporation. It often…Read More
Building consensus in a co-operative business can be important for its sustainability, especially in the early…Read More
Need a business plan? Start here. The Biz Plan Creator is an easy-to-use and helpful tool. Designed to guide you through the process, the Biz Plan Creator offers a user-friendly platform and clear advice at every stage. Plus, it includes a secure account and customized branding of your plan. So, you can leave and come back to your plan as needed. And when you're done, a branded PDF business plan ready for investors and financiers is your reward.


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Hey guys,
My go to pot answer guy passed away when my dad died.
While I can google for some of the answers, how do I know if I am getting the right answer, cause well I know next to nothing about pot (is it still called that?)
As many know FL passed Medical usage for MJ in Nov., and I am really thinking about skipping out of moving to Louisville to move back to FL because of my mom who may benefit from the change in laws.
So I was wondering which strains help out with MS and Seizures? My mom suffers from both, but also the medications that she takes has some really bad side effects.
So she is starting to wonder if maybe moving to an area that will allow her to explore this side of treatment might be best. Then she is not sure since she also suffers from COPD, which she currently has meds for, but does not take them regularly (cause she hates how one makes her heart race).
So I not sure what I am really looking for. I guess resorces on this aspect of pot usage and is it a valid treatment for her.
Thanks for any help.. sorry this is vague.
Medical Pot -- Have some Questions?
Moderator: Phara
3 posts • Page 1 of 1
- Beakedbard
- ninja with training wheels
- Posts: 77
- Joined: Mon Sep 19, 2016 7:20 am
Re: Medical Pot -- Have some Questions?
Generally you want a strain high in CBD (Cannabidol) or other Cannabinoids because that's the stuff that helps with seizures. You should be able to get some form of CBD oil which is generally the best way for people with illnesses to consume it. Lets be honest smoking isn't a good way to consume anything but i have seen other people with MS that it helps a lot and they smoke it. I can only assume the effects from oil would work better but because i haven't seen it first hand nor am I a doctor just have a look into some of the things I've mentioned here I'm not really good for sources apologies for that. If its a state where its legal you should be able to buy CBD oil or other similar things to help with that.
- NaranjaRa
- Nerd lvl: SUPA DUPA
- Posts: 2501
- Joined: Fri Mar 18, 2016 1:53 am
- Location: in the grove
- Contact:
Re: Medical Pot -- Have some Questions?
i second what Beakedbard said. also there are a lot of alternatives to actually smoking plant material/oil. it's going to take time, but once the state gets going there should be edibles available as well. and not just baked goods, but all varieties of different candies and treats. a vaporizer is the usual choice for folks wanting to reap the medical benefits without the lung damage. so one thing she won't need be concerned about is the "smoking" part. hell, they even make lip balm.
still waiting here in MD for them to implement the system. the law passed in 2014 and we were supposed to have dispensaries this past summer NOPE. the businesses just did finally get approved. at least it sounds like there's going to be something happening in my area and not just in the city (Baltimore)!
still waiting here in MD for them to implement the system. the law passed in 2014 and we were supposed to have dispensaries this past summer NOPE. the businesses just did finally get approved. at least it sounds like there's going to be something happening in my area and not just in the city (Baltimore)!
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'Doved' peas
Prep: 5 mins Cook: 10 mins
This traditional Caribbean side dish combines beans, bacon lardons and ham for a robust and flavour-packed addition to a variety of mains
Nutrition and extra info
- Gluten-free
Nutrition: per serving
- kcal245
- fat12g
- saturates6g
- carbs16g
- sugars6g
- fibre6g
- protein14g
- salt2.1g
Save to My Good Food
- 1 tbsp unsalted butter
- 50g bacon lardons
- ½ large onion, finely chopped
Onions are endlessly versatile and an essential ingredient in countless recipes. Native to Asia…
- 1 garlic clove, crushed
- 1 thyme sprig, plus ½ tsp finely chopped thyme leaves
- 200g drained gungo peas from a can (or kidney beans)
- dash of pepper sauce, shop-bought or homemade (see Goes well with)
- 50g cooked ham hock, shredded
Heat half the butter in a frying pan on a medium heat and fry the lardons until crisp. Remove with a slotted spoon and set aside.
Add the remaining butter to the pan with a small pinch of salt and soften the onion, stirring often, for about 5 mins.
Add the garlic and all the thyme, and cook for about 30 secs, stirring constantly. Stir in the gungo peas, pepper sauce and ham hock. Heat until warmed through, then stir in the lardons. Remove the thyme sprig, season to taste and serve immediately.
Recipe Tip
Gungo peasYou can buy these large, pale brown peas either dried or canned (also known as pigeon peas) – dried will need to be soaked and cooked before using. They are available in many supermarkets, but if you can't find them, use red kidney beans instead.
You may also like
Quick braised lettuce, peas & bacon
Potatoes & beets with curd, caraway & flaxseed oil
Goma-ae Japanese greens
The great breakfast burger
Squash & ricotta wraps with coriander salsa
Herby dressed turnips & roast chicken
Ensalada Sierra (Andean quinoa salad)
Sweet potato jacket with pulled pesto chicken


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Back to Results | Currently Viewing - MLS Number: 184115 A (Active)
Listing photos will refresh every 3 seconds.
This listing has 57 additional photos.
Contact Information
Mark Chorak
RE/MAX Associates
Listing Tools
Listing Details
MLS Number: 184115
Property Type: Single Family
Area: East
List Price: $995,000
Street Number: 3812
Address: Augusta Lane
City: Pueblo
State: CO
Zip Code: 81001
Bedrooms: 5
Baths: 6
Style: Ranch
Garage/Carport: 3 Car Garage Attached
Basement/Substructure: Full Basement, Completely Finished
Apx Upper SqFt: 0
Finished Upper SqFt: 0
Apx Main SqFt: 3765
Apx Lower SqFt: 0
Apx Bsmt SqFt: 3765
Above Grade SqFt: 3765
Apx Total SqFt Finished: 7530
Zoning: R-2
Apx Year Built: 2008
Taxes: 5071.3
Prior Tax Year: 2019
Public Remarks: Amazing executive home in the Enclave! Luxury abound from top to bottom! Beautiful hardwood floors throughout the main level! Main level features Custom kitchen with hand distressed cabinets, top of the line granite countertops, breakfast nook, huge pantry, butler's pantry, and commercial gas range oven! Beautiful formal dining room! Living room has fireplace and walk out onto a fantastic deck with mountain views! Huge master with walk in shower, fireplace, sitting area walk in closet that must to seen to be truly appreciated! 2nd and 3rd bedrooms each have attached baths and walk out balconies! Anderson windows throughout! Two heating and cooling systems! Walk downstairs to a family room with fireplace and full wet bar! next to the family room is a theater room, workout room, and game room! Perfect for those who love to entertain OR just stay at home and enjoy! Two garden level bedrooms, a 3/4 bath and 1/2 bath round out the basement, all of which sit on an engineered foundation with 50 + caissons. Please bring your well qualified and approved Buyers to visit and buy this exquisite home!
Information is provided exclusively for consumer's personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS.


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Layton's One Year Session | Oklahoma City Baby Milestone Photographer
Little Layton's One Year Session was so fun! She has the cutest expressions and she made sure to give us a variety of them during her session!
My favorite thing about this one-year session was the bubble bath following her cake smash! She LOVED it and it was a great way to get her cleaned up after diving her hands and feet into mounds of frosting!
Bubble baths are definitely a perk for summer babies! When it's warm outside I am able to offer these as an add-on to one-year milestone sessions. The best part is I provide everything needed for them! From the tub to the water, baby bubble bath (which I always make sure is the most gentle toxin free kind), washcloth, rubber ducks & towel to dry off with afterward! All the parent's need to worry about is bringing a clean pair of clothes to put on when it's over.
Looking to book a milestone session for your own little one? I'd love to talk to you more about your options! Just contact me here.


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Teeth Whitening
Teeth whitening (or bleaching) is a simple, non-invasive dental treatment used to change the color of natural tooth enamel and is an ideal way to enhance the beauty of your smile.
Because having whiter teeth has now become the number one aesthetic concern of most patients, there are a number of ways to whiten teeth. The most popular method is using a home teeth whitening system that will whiten teeth dramatically. Since teeth whitening only works on natural tooth enamel, it is important to evaluate replacement of any old fillings, crowns, etc. Replacement of any restorations will be done after bleaching so they will match the newly bleached teeth.
Teeth whitening is not permanent. A touch-up may be needed every several years, and more often if you smoke, drink coffee, tea, or wine.
Reasons for teeth whitening:
What does teeth whitening involve?
This type of teeth whitening usually requires two visits. At the first appointment, impressions (molds) will be made of your teeth to fabricate custom, clear, plastic, trays.
At your second appointment, you will try on the trays for proper fit, and adjustments will be made if necessary. The trays are worn with special whitening solution either twice a day for 30 minutes or overnight for a couple of weeks depending on the degree of staining and desired level of whitening. It is normal to experience tooth sensitivity during the time you are whitening your teeth, but it will subside shortly after you have stopped bleaching.
You will receive care instructions for your teeth and trays, and be encouraged to visit your dentist regularly to help maintain a beautiful, healthy, white smile.
Dr. Parvinjah and his staff are absolutely amazing!!! I came in to get my teeth whitened for my wedding and the results were beyond better than what I expected.
Dr. Parvinjah is absolutely amazing . I went in for a cleaning and had a ton of questions about whitening and straightening my teeth. Dr. P took his time explaining all my options and we put together a good plan . I've been to dentist before but have never felt as comfortable as i did at Meridian Dental.
Dr Parvinjah is one of the best dentist I've seen. Very professional and follows up on you to see how you're doing. I will continue to see him for as long as I am alive!


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For Illinois parents, one of the most important obligations they have after a divorce is to pay the child support or spousal support they owe. For the receiving parent, the payments are needed for upkeep and necessities. For various reasons, there are sometimes problems keeping up with the payments. One is if the parent who owes support is unemployed. This is a difficult circumstance, but the law addresses it directly. For the parent who is confronted with this issue and the parent who is supposed to be receiving the support payments, it is important to understand how this will be handled.
What if a parent owing child or spousal support is unemployed?
Child custody: Plan for when children manipulate parents
Children often fight back against what their parents say is best for them. Testing the boundaries is a normal part of being a kid. When their parents are divorced, there is a chance that they will take this to another level. They might try to play one parent against the other in an attempt to get their way.
After individual bankruptcy, can the discharge be revoked?
Financial challenges can impact people across the spectrum in Indiana. Those who seemingly have great jobs and are financially secure can be hurt by debt just as easily as people who have been caught up in the struggling economy. There can be medical crises, job loss and mistakes made with credit and purchases that contribute to the financial turmoil. One strategy that is perfectly legal and has helped many on the way back to financial health is filing for bankruptcy.
Should I fight my premarital agreement in a divorce dispute?
In many marriages in Illinois, the couple will have a premarital agreement - also referred to as a prenuptial agreement - before they get married. This is true in a high asset situation or one of more modest means. It is a protective device in the event of a divorce. Unfortunately, many marriages do end in divorce and the premarital agreement comes to the forefront. Often, however, many spouses who signed the agreement would like to have it declared null and void. Knowing when this is possible is critical in any dispute. When confronted with these difficult family law issues, legal help is essential.
Do you need to change how much child or spousal support you pay?
Divorce often has a lasting financial impact on those who use it to end their marriages. One of the most significant financial consequences of divorce is the requirement to pay either child support or spousal support, formerly referred to as alimony. When you have to pay support to your children or your ex, you lose a significant portion of each paycheck.
Bankruptcy could solve financial challenges in Indiana
Indiana residents who are confronted with financial challenges can find themselves in that circumstance for many reasons. These include medical debt, job loss, overspending on credit cards, marital problems and more. On top of the bills, creditor harassment is a never-ending cycle of phone calls, letters and messages that can multiply the stress a person's feels and will impact them negatively. Regardless of how a person got into the situation, it is important to know that they are not trapped and there are alternatives to get on stronger financial footing. Bankruptcy is one way to do that.


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The stories we write travel with us, becoming part of who we are. We live in many worlds and as many people, creating lives that are ours and yet not ours. These stories accompany us on our journeys, changing as we change, and altering us in turn.
I've finished my novel for the second time. I don't remember when I first started writing it exactly, but it must have been almost twenty years ago. It was born out of the sea, forged out of the history and atmosphere of a small island just off the coast. This is the place I feel most myself, where my mind is free to drift and dream. And it was born out of my love for myth and magic, based as it is on the legends of the selkies. If I didn't love this place, hadn't spent so much time here over the years, learned about it and absorbed it, the novel wouldn't exist.
This book is redolent with all of my memories of the island: picnics on the rocks with my parents, climbing the steps of the lighthouse, long walks along the coast as a teenager, ending up here, full of angst and tears. And within it too, are memories that are not mine, but those of the characters I've populated it with. The place is evocative enough on its own not to need romanticising, so I had only to write what I saw. Yet the island I describe in the novel is not the island you would see. I view it through the eyes of my experience, as you would your own.
But the life of my novel doesn't begin and end here on this island. It followed me, half-formed, to the city, where I began my career. The ambiguity I felt about that and being so far from my beloved sea, is traced in the arc of one of the characters, who finds herself exiled from the island.
The novel lived with me, changing and evolving over the years I was writing it. It accompanied me as I fell in love and set up home with my partner. It followed as we moved back to the town of my birth, close, once more, to the place it began. It showed me that I could finish a novel, that I had what it took to be a writer.
This was the first piece of writing I submitted for professional feedback. I did it when my mother was dying. It gave me something to hope for at a time when I was at my most vulnerable and a purpose that wasn't all about preparing for my mother's death. The feedback made me cry, because after years of wondering whether or not I could write, here was some kind of proof that I could. By this time, all my energy was consumed by my mother, so the novel lay dormant as life took over. But life influenced fiction once more, as my experiences added richness to the mother daughter relationship that is at the heart of the story.
On returning to writing, I won prizes in two competitions within months of each another. I began to blog, which gave me discipline, stoked my inspiration and connected me to other creative people. It seemed it was time to take my writing seriously. But still, though I made the decision to finally revise the novel, I found it surprisingly difficult to do so. In the end, I decided to enter it in a competition, so that the deadline would force me to get it done. And so I've finished my novel for the second time. Although I would love to win the competition, it doesn't matter if I don't, because it's served its purpose.
When I began this novel, I was starting out in life. Now, I'm older, with an abundance of experiences and memories in between. This novel is inextricably linked to who I am and where I've been. It will always be the novel that lived my life with me. So I send it out into the world and hope that somewhere it will find a life of its own.


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Blue Moon
Blue Moon (originally released as Denim Diva) is a deep navy linear holo polish.
Photos courtesy of: Aloominous and ohsosimplenails on IG
Finish: Linear Holo
Application tips: Apply 2 coats followed by a good quality topcoat for shine
Our polishes are 5 free, vegan friendly and cruelty free. Our polishes come from a smoke free home.
Listing is for a 15ML/0.5oz bottle containing 2 stainless steel mixing balls.
Please note the device you view this listing on may not accurately reflect the color of the polish. Photos are provided to us by bloggers/swatchers and colors may show differently depending on lighting, skin tones, and camera equipment used.
Flammable! Keep away from children and heat. Store your polish in a dark and cool room to ensure fading doesn't occur.


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Pendleton, Ore. — From the Bureau of Reclamation, the current rate of release is 1100 cfs and will gradually be adjusted to 800 cfs by the end today. The agency will maintain monitoring flows as they continue to watch the weather pattern upstream.
An additional dumpster is available at the parking lot at Community Park off SW 37th, other dumpsters are available at the North end of SW 41st Street and SW 44th Street for residents to disburse of household items and debris. Hazardous items should not be taken to these stations.
Sandbags are being accepted at the sandbag station located at the South end of Les Schwab. Please do not place sandbags in the street as we do not want them blocking the water flow in gutters or along the street. A volunteer group is being put together to help gather bags next week and information will be shared upon implementation.
Pedestrian Bridges access remains closed and should not be used.
Community Park will remain closed to residents, as a precaution as the ground remains soft and muddy.


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New SEPP (Waters)
DELWP and EPA Victoria have recently (19 Oct) released a new State Environment Protection Policy (Waters).
The SEPP (Waters) now formally replaces SEPP (Groundwaters of Victoria) and SEPP (Waters of Victoria) (including all schedules). A copy of the most recent SEPP (Waters) is available here.
This particularly affects consultants and should be implemented immediately.


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Archer Baby Acoustic Guitar
Archer Baby Acoustic Guitar
As of 2020-03-18 05:40:56 UTC (more info)
Not Available - stock arriving soon
Product Information (more info)
Description of Archer Baby Acoustic Guitar
We are presently presenting the fantastic Archer Baby Acoustic Guitar for a slashed price. Don't pass it over - purchase the Archer Baby Acoustic Guitar here now!
Manufacturer Description
The Archer Child Acoustic Guitar is a perfect instrument for musicians of any ages. Professional features like steel strings, pass away cast tuners and a spruce leading deliver a well-balanced, crisp noise and its short 3/4 scale of 36" is easier to bet youngsters or guitarists with smaller hands. With Archer, you're not paying for the "name," you're paying for the guitar and this infant acoustic is all set to go right from package.
Product Features
Natural finish 0.75 scale of 36" Some assembly required Small headstock and body Dreadnought shape


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Our pressed Mineral Blush is a luxurious formula free of oils, talc and fragrance. These blushers give the skin a natural vitality and a fresh glow.
Eyelights & Sensationaleyes utilize the technology developed with Hibiscus Esculentus Complex, the vegetal alternative to Botox an active ingredient which is patented. These primers are proved to reduce wrinkles by 26% when applied daily for 21 days.
Delicately milled and microfine, the mineral shadows reflect light away from fine lines and add vibrancy to the eye. They are free of talc, fragrance and other skin irritants.
Now you will have several ways to create the elongated liner, cat eye or just a thin line of eyeliner to fill in the base line of lashes. Use with our Stuck on You! Eyeliner Fixative for the ultimate in long lasting eyeliner.


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《莫斯科牵线木偶》 单人秀为家庭观众(40分钟/1~2人/无付费行李/多达500名观众/无语)
wordless puppet show for family audience
technique - string marionettes
duration - 40 min/ up to 500 spectators
transportation - 1-2 persons/ no paid luggage
MOSCOW MARIONETTES - award-winning one-man show of unique marionettes for all ages. Nikolai Zykov is a world famous Moscow puppeteer who has performed his puppet shows in more than 50 countries of Europe, Asia, Africa, North and South America and has created and has made more than 200 unique puppets. Nikolai Zykov is an author, director, artist and performer of over 20 puppet performances which have received many international awards for innovative creativity and outstanding performing mastery, including Awards of World UNIMA Congresses.
"Nikolai Zykov is one of the most important puppeteers of the world!" Festival de Bonecos, Canela, Brazil.
"Nikolai Zykov is a celebrated Russian puppeteer, known for pushing the boundaries of traditional puppetry." World Performing Arts Festival, Lahore, Pakistan.
"...amazing, what great great puppets, excellent, original, funny, entertaining and unique..." Peter Garofalo, Northampton, United Kingdom.
"...flashy and upbeat marionette variety show by manipulator extraordinaire..." Out the Box. Cape Town, South Africa.
"The humor, elaborate sets and the virtuoso operating technique galvanizes the audience..." Tatiana Russkikh. Youth Review, Russia.
Among the awards: "Arts Innovation" Award of the 12th China Shanghai International Arts Festival (2010), Diploma and "Excellent Show" Award of the 21th UNIMA Congress and World Puppet Festival in Chengdu (2012), "Performance Award" of Asia-Pacific UNIMA commission (2014), Award of the 4th Colombo International Theatre Festival (2015), Award "For brilliant performing mastery" of the 12th International Festival of Contemporary Puppetry in Bucharest (2016), "Outstanding Creativity" Award of Asia-Pacific UNIMA commission (2017), "Sell-out show" Laurel of Edinburgh Festival Fringe (2017).
Nikolai Zykov has performed his puppet shows more than 3500 times in more than 50 countries around the world: in Argentina, Brazil, Venezuela, Mexico, United States, Canada, Iceland, Estonia, Latvia, Byelorussia, Ukraine, Poland, Germany, Belgium, United Kingdom, France, Spain, Italy, Switzerland, Austria, Czech Republic, Slovakia, Hungary, Romania, Moldova, Transnistria, Bulgaria, Greece, Cyprus, Turkey, Israel, Egypt, South Africa, Mauritius, Seychelles, Azerbaijan, Iran, Kazakhstan, Uzbekistan, Tajikistan, Afghanistan, Pakistan, India, Bangladesh, Sri Lanka, China, Singapore, Taiwan, South Korea and Japan.
Author, artist, director and performer - NIKOLAI ZYKOV
Assistant of puppeteer - NADIA DUBININA
All puppets are created, designed and made by NIKOLAI ZYKOV
First presentation - December 10 2017, Concert Hall of Quanzhou Art School, Quanzhou, China.
Honorary Award of The 3rd Maritime Silk Road International Arts Festival and The 5th International Puppetry Festival in Quanzhou (China)
See PHOTO ALBUM of MOSCOW MARIONETTES.
MOSCOW MARIONETTES poster
Technical requirements: one microphone in hand and a non-stop mp3 (or Audio CD) playback, the preferred stage height is 1m 10cm, depth is 4m.
Nikolai Zykov Theatre in


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Workout of the Day #1
In order to perform a variety of athletic tasks, athletes need strong core muscles for spinal stability and postural alignment. You can't swing a tennis racket, golf club or baseball bat, or even throw a ball, without engaging a portion of your core. Since the core muscles function differently than your arm and leg muscles, they must be trained in a different manner for the exercises to be effective.


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|virtual field trips
|regional geology
These links and readings are provided to support the Sedimentology module at the University of Derby, and are in addition to the classes, and the course and practical notes available from the University of Derby web site. Topics are not necessarily given in exactly the same order as in the course.
Textbook references are to:
TUCKER, M.E. 2001. Sedimentary Petrology: an introduction to the origin of sedimentary rocks. 3rd edition. Blackwell Scientific Publications.
JAMES, N.P. & DALRYMPLE, R.W. 2010. Facies Models 4. Geological Association of Canada. (or equivalent chapters in earlier editions by Walker and James)
Organic influences on sediments
Biogenic structures (trace fossils)
- Tucker, chapter 2, section 2.3.4
- James & Dalrymple, chapter 4
- Treatise on Invertebrate Paleontology, Trace Fossil volume (for reference)
Online lectures, tutorials & reading
- The Trace Fossil Mystery - fun introduction
- Introduction to Ichnology - well illustrated site of trace fossil information and images at Emory University, Georgia. Links to dinosaur trace fossil pages
- Trace Fossils - introduction from the BBC (vertebrates, with David Attenborough videos)
- Trace fossil environmental associations - ichnofacies
- Trace fossil photographs - practical exercise - try to identify and interpret each photo
- Trace fossil images - scroll to foot of page
- Commercial web sites with good trace fossil images
Shallow marine trace fossils
- Skolithos
- Thalassinoides
- Helminthoida
- Terebellid worm burrows
- Bioturbated shoreface
- Bioturbated shoreface 2
Marine trace fossils
Terrestrial trace fossils
|sedimentology home
This page is maintained by Roger Suthren. Last updated 29 January, 2015 21:58


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Gurus are hard to come by these days. If you run a Craigslist ad for one, you're probably not going to get much in the way of ancient wisdom, just the odd spam email. Does that mean we give up and live shallow lives without anyone to guide us onto our future? No way, Jose! If you want inspiration and wisdom, you have to dig for it. Search it out with all your heart and soul. Surprisingly, you'll find that gurus are all around you.
We may not have shamans and gurus next door to us. We do however, have them at our fingertips. They come in all shapes, sizes and ages.
Who's teaching whom?
Take, for example, the people in our lives for whom we usually play the role of teacher. My son is the perfect example. He is 12 years old and you would think that, since I'm the one who raised him, what could I possibly learn from him? Yet, if I stop and look at life through his eyes, I am amazed at how wise that little guy is. We were walking to our car one day and I swatted a bee that came near us. He stopped me and explained that bees scare him too but when they come near him he simply internally says, "Bee, I am afraid of you, I know when you sting me it's only because you are trying to protect yourself. So let's make a deal, I won't bother you and you don't sting me."
Since he started this tactic, he's been sting-free. He has little pieces of wisdom about so many things if I just look at him as a teacher instead of as merely my son.
In the same way, I often take my teacher hat off when interacting with my students. I listen to the unique wisdom that they each hold in their being—wisdom that has only been imparted to them through their own unique experience in this world.
Your Friends Could Teach You a Thing or Two About Life
You know the old adage, "You can choose your friends but you can't choose your family." We choose our friends because we find them loving, nurturing, intriguing and fascinating. That means there is a well of wisdom hidden inside your best besty—or you wouldn't be hanging with him or her. My friend Doug is a chemist who loves astronomy, science, and drumming. My friend LuLu is an actress passionate about eastern philosophy, meditation and hula hooping. I can't even begin to tell you how much I have gleaned from just these two friends. Doug's rhythm lessons and LuLu's meditation tips have completely redefined my yoga practice. My classes are packed with richness from their wisdom.
Friends are great gurus because they love you, likely know quite a bit about something you don't, and they like spending time with you. That trinity of characteristics can open up an enormous field of possibility. Find out what your friends are great at and ask them to share it with you.
Thank Your Lucky Stars For Technology
One absolutely amazing thing about living in this age is the computer. Obviously, they're a portal to the Internet. You have access to poets, self-help gurus, inspiring music, TED talks, comedians, make-up artists, scientists, writers, movies, and so much more. Take advantage of the times we live in. Learn from the greats, study them, interview them, figure out what makes them tick. We have ears to hear and eyes to see and it is all waiting for us at the tap of a key.
But don't forsake the dozens of other programs that every PC seems packed with. Personally, I'm a Mac girl, so I spend as much time at the Genius Bar as I can afford, where those sexy young men with huge brains have helped me do amazing things with my computer, including teaching me how to use Garage Band, with which I can download music and mix it like a DJ. I can create a platform for Nicki Minaj to sing back up for Van Morrison, the Beatles with Radiohead and for Leonard Cohen to recite poetry to Moonlight Sonata. Each time you learn something new, be sure to find a way to integrate it into your class in some creative way.
There are so many other places you can find inspiration; these are just a few. My main point here is that gurus today do not necessarily show up in our lives traipsing around in white gowns with mala beads around their necks. When you step out into the world as a student looking for a teacher, your guru will soon appear. Each person, place or thing we pass has something to teach us with their inner divinity. We just need to look.


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By Charu G. Raheja, PhD
Companies invest thousands of dollars in employee wellbeing. How do they encourage employees to take advantage of those resources and make more informed decisions? When asked to list priorities for employee resources in 2018, respondents ranked their top three priorities as managing employee benefit costs (66%), helping employees make more informed benefits decisions (40%), and improving employee wellness and productivity (32%).[1]
And these priorities make sense. As we discussed in our blog on return on investment, companies that invest in employee benefits, wellbeing, and related resources are associated with better performance. One final step after making these investments however, is ensuring employees know how to access the resources and use them. As an HR director said recently, "I want my employees to go from simply having benefits to becoming consumers of benefits."
Consider Your Communication Strategy
As most senior managers discuss, gone are the days where you can send out one company announcement and know that most of your employees will read it. Today's workforce has different needs and much of the communication has to be tailored for them. Many companies have employees working offsite, meaning that they are not always paying attention to emails. Other companies are also seeing a generation change, with millennials and younger workers who prefer to sit at their desk and chat rather than meet face-to-face to learn about the new resources a company has to offer. More importantly, we are also seeing a shift in how people get their information and how engagement is done. Videos and podcasts are now becoming an important part of communication. In fact, as of 2016, YouTube has become the second most popular social network because of its visuals. Almost every major social network – Facebook, Twitter, Google+, Instagram, LinkedIn, and more – have all made it easier to upload, view, and share videos on their respective apps and websites.
Organizations wanting to reach and engage with their employees need to do the same. Look for communication tools and platforms that allow your organization to share using different modes of communication.
*Image from Brian Solis + Jostle Corporation' white paper: The Engagement Gap
Communications Tools to Increase Engagement with Company Resources
A key to making sure your staff is aware of your company resources is to make sure it can be viewed on their mobile device. As your company looks for new internal engagement strategies, start considering the diverse ways by which people communicate today and a technology solution that allows you to easily incorporate these different forms.
For example:
- Use multiple modes of communication. Look for a solution that allows you to send videos and podcasts to your staff. Viewers retain 95% of a message when they watch it in a video compared to 10% when reading it in text.
- Another important one, communicate with your staff on their phones. Push notifications immediately engage a user, keeping your staff updated in real-time.
- Drive actionable responses in surveys. Surveys are a great way to get a pulse on your staff. The key to getting a good response is to keep surveys short and viewable on their mobile phones. For example, ask quick questions such as, "Are you aware that we have a telemedicine program?".
As many of these strategies indicate, the key to getting people to be aware of your company resources is to communicate with them on their phones. While you look for solutions that improve your communication, make sure that you are able to get data to review open rates and overall engagement. This is important for two reasons: one so that you can understand better what your employees want and second so that you can communicate about underutilized resources and remind employees to use them.
Do you have suggestions or success stories about on how to communicate about company resources? Leave me a comment or an idea.
[1] Source: HUB International Employee Benefits Barometer 2018 Study, SourceMedia Research/Employee Benefit News, December 2017


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Council launches questionnaire about polytunnels in South Staffordshire
Released on 7 November 2017
Do commercial polytunnels in South Staffordshire affect you?
Research is being conducted by a member of staff at South Staffordshire District Council to evaluate the impact of commercial polytunnels in South Staffordshire. Please click on the link below to complete a short survey and provide your views on this matter. Your views would be very welcome, so please have your say.
Contact details
For further details contact
South Staffordshire District Council
Council Offices,
Wolverhampton Road,
South Staffordshire,
Tel: 01902 696000


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Grumpy Bear Sticker Co.
402-Washi drawers
Regular price $3.00
This listing is for one hand drawn, kiss cut sticker sheet. Stickers are about 1.5 inches in height. Made to fit in popular vertical planners, but work well in any planner! All artwork is by me and should not be copied, modified or reprinted. These are made to order, and my current ship time is right about 2-3 weeks due to order volume.


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Unemployment In Essex Rises
17 February 2016, 10:02 | Updated: 17 February 2016, 10:05
The number of people out of work in Essex rose last month.
According to figures released this morning, 13,305 people claimed Job Seekers' Allowance in January.
That is a rise of nearly 350 on the number in December 2015.
Nationally, a record number of people are in work and unemployment fell by another 60,000 in the final quarter of 2015 to its lowest rate in a decade.


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|This course will be delivered in a Virtual Classroom while regular face-to-face classes are temporarily suspended. Learn more about our Virtual Classrooms for young learners.
Give your child a headstart – with inspiring English classes for kids
Primary Plus, our English course for kids, will encourage your child aged eight to 10 years to express themselves in a safe, motivating environment.
We create a space where only English is spoken. Children feel at the centre of their own learning. They grow in confidence as they develop their fluency in English.
Inspiring. Engaging. Motivating.
Your child will:
- build confidence by speaking in English about familiar topics such as their surroundings, from their bedroom to their neighbourhood
- express themselves through exciting activities and group projects – exploring subjects like the natural world, from under the sea to outer space
- develop important life skills, which prepare them for their future beyond the classroom.
Aged 8-9 years your child will:
- learn and practise new vocabulary on familiar topics, in activities such as writing creatively
- read independently and form an interest in a variety of topics.
They will do this by:
- developing their imagination through storytelling
- learning from their curiosity about the natural world, from the sea to outer space
- thinking about and sharing ideas on how to keep happy and healthy
- exploring ways to be a good citizen
- reflecting on their life, interests and hopes for the future.
Aged 10 years your child will:
- learn story writing and to read more confidently in English
- present and compare ideas and opinions using more complex language.
They will do this by:
- making use of their skills and knowledge to help others
- exploring issues affecting society and the environment and finding solutions
- finding out about places, cultures, ideas and inventions
- discovering the exciting world of sport and the beauty of the arts
- looking back on primary school and thinking about their hopes for the future.
Learn English and so much more
Young students on our English courses learn by getting involved in activities that interest them. Our expert teachers help them develop their English skills – and also creativity, critical thinking, problem solving and leadership skills. Find out more about how we teach.
Set your child on the path to success
We see parents as partners. You will receive regular feedback on your child's progress. At each age, we will assess their development in English language and core life skills.
Our aim is that by the end of the course your child will achieve a minimum of A2 on the CEFR (Common European Framework of Reference for Languages).
You will also get a log in to the Primary Plus online portal, so that your child can continue learning at home.


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Stylish Gray Skull Grip 3D Round Neck T-shirt Tops
Free Shipping Order Over $80
BUY 3 USE 8% OFF CODE: Shecici
Item : H1135
Type : T-shirts
Material: Polyester, Cotton
Neckline: Round Neck
Season: Summer
Occasion: Daily Casual
Color: Gray
Size: M, L, XL, 2XL, 3XL, 4XL
Due to the difference between different monitors, the picture may not reflect the actual color of the item.
Package included:
1 * T-shirt
Receiving time = Processing time + Shipping time
Return Policy
Our Guarantee
Return or exchange within 15 days from the delivered date.
1. Items received within 15 days from the delivered date.
2. Items received unused, undamaged and in original package.
3. Return shipping fee is paid by buyer.


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Iraq's president, Jalal Talabani, opposes to the death penalty for Tariq Aziz, one of Iraq's worst enemies.
By Christopher Hitchens
"When I wrote a recent call for the commutation of the death sentence against Tariq Aziz, I was privately hoping that the president of Iraq would intervene, as he has done before, to say that he would decline to sign his name to the death warrant."
Read More (Slate)
Christopher Hitchens (1949 - 2011) was an Anglo-American author and journalist. His books made him a prominent public intellectual and a staple of talk shows and lecture circuits. He was a columnist and literary critic at Vanity Fair, Slate, The Atlantic, World Affairs, The Nation, Free Inquiry and a variety of other media outlets. He was named one of the world's "Top 100 Public Intellectuals" by Foreign Policy and Britain's Prospect.
Yahoo! News
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Iraq's president, Jalal Talabani, opposes to the death penalty for Tariq Aziz, one of Iraq's worst enemies.
Posted by Tom at 20:02 9 comments
Labels: 2010, Christopher Hitchens, Humane Bravery, Iraq, Jalal Talabani, Tariq Aziz
William Dembski Debates Christopher Hitchens
As some of you have noticed, the debate was uploaded on YouTube but is now removed. I've spent some time trying to download it myself but have managed to save only parts of the debate. I'll try again at a later date. There's no point uploading it on YT at the moment so watch it here (pcawebcast.com).
Posted by Tom at 16:49 15 comments
Labels: 2010, atheism, Christopher Hitchens, debate, religion, William Dembski
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Through its Risk Management Practice, Genesis helps financial institutions implement best practices and systems suited to their marketplaces.
Our expertise covers various types of risks faced by banks and financial institutions, including credit risk, market risk, operational risk, and regulatory risk.
Our services include: Design and implementation of risk management systems, Analysis and valuation of financial businesses and portfolios, Basel II assessment and implementation, Business audits and internal reviews, Loan review, Merger and acquisition advice and Credit process repair.
Genesis' capabilities cover the following areas in banking:


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Prezi, a San Francisco, CA-based visual presentation platform company, acquired Infogram, a Riga, Latvia-based web-based data visualization company.
The amount of the deal was not disclosed. Following the acquisition, Infogram will become a wholly owned subsidiary of Prezi and will remain in Latvia. It will continue to invest in research and development and create a Data Visualization Center of Excellence in Latvia.
Founded in 2012 and led by Mikko Järvenpää, CEO, Infogram specializes in charts and infographics with a community of over 3 million users who have created over 5 million charts and infographics viewed over 1.5 billion times.
Customers, including media companies, businesses, and educational institutions can create a variety of charts, maps, and infographics by uploading a file, connecting to various cloud services, and to Infogram's API.
It also has offices in San Francisco.
Prezi is the most successful startup that incubated in Hungary and bridged that success to create a global company with offices in San Francisco, Budapest and Mexico City.
Founded in 2009 in Budapest by Peter Arvai, CEO, Prezi operates a presentation platform that enables users to encourage conversation and collaboration. Its latest offering, Prezi Next, is a full-lifecycle presentation platform that allows everyone to create presentations, deliver them in a natural and conversational way, and analyze their effectiveness.
It now has a community of over 85 million users and over 325 million presentations around the world.
Investors include Accel Partners, Spectrum Equity, and TED conferences.


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Do you know about the Natural Triad Magazine? It's a free publication all about wellness! They feature information about natural health from local and national authors, and keep you up to date on the latest events and news about natural living, eating, and well being. For example, this month's issue has articles on chronic pain, herbs that promote longevity, and about getting out doors with your pet!
While you're browsing through the pages, you may just run across an Organic Farm and Feed Mill that you love!