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But I don't have to tell you how incredible the world is. At your age, nothing could be more obvious. Kids your age notice things. Like, did you ever look at the squirrels outside the library, and notice how they have little hands like people? Maybe you wondered what it would be like to jump though the trees like they do? I know I did. Or maybe you've seen how the pigeons have little rainbows on their necks that change colors in the sun, and you wondered what caused it? Did you ever go out and stare up at the stars until you feel like you're going to fall over backwards wondering how far away they are? Or you totally drive your parents crazy asking "why" and "how" all day long? Yep, that's the kind of kid I was, too.
So I remember why you bring that big stack of books home from the library. There's something you're just burning to learn more about. And maybe some other kids don't get this, but times like that are when you really feel alive: when you're looking up at those stars, or reading those books, or wondering about those questions you keep having. Sometimes it feels like your brain's on fire, and you'll never run out of fuel, because the whole universe is made of it.
So yeah, you know how amazing the world is, and how much fun it is to think about it. But there's one thing you may not know, and it's something you're gonna have to figure out how to deal with. The thing is, not everybody sees things the way you do. Believe it or not, all that stuff that's seems so amazing to you seems totally boring to some people. They just don't get it, and some of them are going to give you a hard time about it.
Actually, I bet you know some people like that already. I guess I'm just warning you that you'll run into a lot more of them. Especially when you're a teenager--that's when people really get like that. They start spending all their time thinking about being cool and fitting in with everybody. I did it, too--I didn't think I would, but I did. Things get real weird for a few years. Everybody starts forming little groups where they all dress the same, and talk the same, and walk the same, and listen to the same music (music turns into a really big deal then, for some reason). Everybody starts looking in the mirror too much, and worrying about whether they're cool enough, or tough enough, or pretty enough.
You'll probably do it too, and that's fine. But you have careful not to overdo it. Here's why: if you worry too much about what other people think, you can forget how to be yourself. You can forget something you know right now: how amazing and interesting the world is. You might think there's no way that could ever happen, but it can. Believe me, it happened to me for a while.
You might think it's easy not to worry about what other people think, but it isn't. Some people can really give you a hard time. You probably know that already, too. Maybe some of the other kids laugh at you when you talk about something you've been reading about. Maybe somebody's already called you a geek when they saw you reading one of those books. I wish I could say they'll grow out of it soon, but they won't. A lot of kids get worse about it during those weird teenage years. They'll make fun of you if you talk about stuff they don't consider cool, or if you don't act or dress just like they do. You just have to try not to worry about it too much. I don't mean you should be a know-it-all, or act weird just to annoy people, or try to talk to people all the time about stuff they don't care about. That's just rude. I just mean you shouldn't ever let them make you feel ashamed for wanting to think and learn about things.
Most of them will get over it eventually, but a few of them won't. You'll meet people all your life who don't understand why you like to think about the stuff you do. Believe it or not, even some grownups get embarrassed by people who like to talk about books, or science, or nature. I know it sounds crazy, but there are actually grownups who worry about what's cool and what's geeky. So there will always be people who'll say you're weird for thinking about why galaxies look like whirlpools, or whether different people see colors the same way, or whatever other "weird" thing you like to think about. But here's what you have to remember. You're actually not the weird one. They are, even if they outnumber you. That's because it isn't weird to be fascinated by this totally incredible universe. It's weird not to be, and I hope you always remember that.


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Physics is fundamental to our understanding of the world around us. Everyone should have at least a basic knowledge.
This book explains some of the most interesting parts of physics in simple terms. It dips in, never taking more than two pages for one topic. There is even a good selection of experiments you can do at home!
It is suitable for any student of science as well as anyone wanting to enhance their knowledge. It is a real layman's guide to physics. It treats the reader as an intelligent person who doesn't happen to know about advanced physics; the phrase 'physics for dummies' is often mentioned but that sounds insulting to the reader.
Some quotes about the book:
"Engages the reader and inspires them to find out more."
"What a great book! It is always helpful when someone can translate tricky science topics into plain English for non-technical folks."
"Clear and understandable. I like the conversational style."
"It made physics interesting, even magical."
"This book would be awesome for a high school student or for someone in a career requiring a basic understanding of physics."
Rated 5* by Readers' Favourites
The complete review is available to read at https://readersfavorite.com/book-review/the-best-bits-of-physics.
A few words from the author:
Physics is a hard subject. Everyone knows that. Tell someone that you are studying physics and they will be impressed. This will probably be followed by a comment along the lines of "I could never do that at school". It is still one of the most demanding GCSEs and A-Levels.
This book is an attempt to serve up some of the best bits of physics. It should give you an understanding of the key concepts in modern physics. Along the way I hope you will be convinced that the heart of physics isn't all that hard after all. Perhaps you'll even be able to explain it to your friends and family...
A great present for someone studying physics or anyone who is interested in the world
Physics made easy is one way of looking at it. Physics made interesting is another.
There is now a Teachers' Edition of this book
You can order it from http://www.amazon.co.uk/gp/product/1484978293/ref=as_li_tl?ie=UTF8&camp=1634&creative=19450&creativeASIN=1484978293&linkCode=as2&tag=weblinks0a-21&linkId=GTWIAJWR4GYUNXFG. It is packed with A4 worksheets for you to photocopy. Some are comprehension passages and questions; others are experiment instruction sheets.

subset: commoncrawl


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My very first experience of the Eumundi Markets was a long time ago when I was just a small child. It was a weekend and my dad was delivering hay to a supplier in Eumundi. I wanted to go with as I always did when dad went on a delivery, so I did.
Let me preface this by saying this was a time when the streets were still open to the public during the markets… Now imagine a semi, packed to the brim with hay, driving down a single lane street with market stalls either side and people walking everywhere. So we get through the stalls the first time without much trouble which is fabulous, until we realise we have no idea where this place is that we are supposed to be going and that we probably went down the wrong street. As a result we drove back down the street through the market stalls and all the people with the hay still on the truck. This happened a few more times before we actually found the correct place to go. Through the market stalls. Where we were originally..
Let's just say it was an experience I have never forgotten.
The idea for the Eumundi Markets started in 1979 when Christa Barton and Gail Perry-Somers decided to bring a European style Artisan and Farmers Market to Australia. It started with 3 stalls at the local CWA (Country Women's Association) Hall with a turnover of $30. Over the years the markets became more popular, and by 1990 there was 203 stalls and over 260 000 attendees every year.
Now the markets are held every Wednesday and Saturday and they do not disappoint. With over 600 stalls and more than 1.6 million attendees each year, this market is the 'be-all and end-all' of markets in Queensland.
"Eumundi Markets is a vibrant, ever-evolving collaboration of many talented people seeking to share their gifts with the world. We play a pivotal role in supporting and promoting young local creative talent. We also recognise our responsibility in nurturing new businesses in their formulative years by providing a cost effective alternative for test marketing and trialing of new products and services, unique to this region. " – History of the Eumundi Markets
If you like it, you should pin it!


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A somewhat controversial figure of late , Robin Steele has changed the entire focus of her blog towards discussion of the Mens Rights Movement. Robin now refers to herself openly as a 'mens rights activist'.
At the moment, this is creating some distrust in mens rights advocacy circles.
Is Robin Steele a trojan horse, or is she purposely wishing to highlight the worst aspects of the MRM for a particular agenda? By declaring herself openly as a mens rights activist, she has lost the propensity to declare herself a libertarian with no particular stance.
Creating mistrust and division is a tactic common to feminists of the kind Robin links to. See the title of this blog!
Robin is obviously a very clever woman, but her motives are open to interpretation as yet.
We will have to wait and see..


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The price of democracy in Spring Hill is getting steeper.
A tentatively scheduled taxing referendum will cost each of the voters in the Spring Hill Fire Rescue District $2.25 to answer a question put to them just last summer. That is the per-person tab for a $150,000 special election, to be conducted via mail-in ballot, to find out if the district's 67,000 voters want to give the fire commission the legal authority to collect taxes to finance the department's firefighting and ambulance operations.
Voters won't be paying cash for their ballots. They already did. The expense is being absorbed from the district's reserve accounts.
Still, the unexpectedly high price - that must be paid amid dwindling revenues hammered by falling property values - comes because the Hernando County Commission declined to step in and assist the district until the referendum could be held on a regularly scheduled election date in 2012.
That this question is being put to voters twice within 10 months is the unfortunate result of a series of questionable decisions regarding the department's operations. In 2008, voters approved a nonbinding referendum for full independence from county oversight, then rejected a second referendum in August 2010 to give the district the actual legal authority to collect taxes. For the time being, the county still collects property taxes for the department under an interlocal agreement expiring Sept. 30. This week, a judge declined to extend the agreement temporarily even though that would have been the most logical arrangement.
Logical thinking, however, has been missing in much of this debacle. County commissioners could have extended the working relationship with the fire district but were warned off by their own legal counsel and Tom Hogan, the private attorney for the clerk of the circuit court and tax collector, who predicted nasty legal fights.
In that regard, the most level-headed thinking came from Commissioner Jeff Stabins. He suggested folding the fire district into the county's public safety operations. It makes sense, could result in cost savings, and mirrors the recommendation a consultant offered a couple of years ago. Unfortunately, the parochial interests in Spring Hill defeated that idea in the 2008 referendum for independence with a rhetoric-filled campaign that likely scared voters into maintaining a separately owned department.
Voters now will get one last crack at determining whether they trust their elected, but volunteer, fire commission to govern appropriately and to collect and spend property taxes wisely. A referendum defeat renders all prior ballot questions irrelevant because the district will cease to exist without a way to finance its operations.


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Knee pain is a common problem specially on the onset of old age. The main cause of pain is the degeneration of a tissue called cartilage. Cartilage is is the soft bone which is present between the two bones. This does not allow the bones to wear out and at the same time allows smooth functioning. When cartilage is damaged, the bones come in contact and grind against each other, this is the reason for the pain.
Trigonella foenum graecum, commonly known as fenugreek
One of remedy is Fenugreek seeds & Mustard oil.
Soak some fenugreek seeds in mustard oil and make a paste out of them. Massage this paste on the affected area and let it dry. This pack enhances blood circulation and also results in the formation of cartilage.


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Event date:
Wednesday, 18 September 2019 - 12:00pm
The Voluntary and Community Sector forum brings together representatives from a diverse range of voluntary and community sector groups and organisations to discuss issues and enable a collective voice.
There are a number of benefits in attending the sessions, such as sharing information with others, exchanging ideas and sharing knowledge and experience with the rest of the group.
Meeting papers and presentations 2019


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Read the full story here Web Link posted Friday, April 20, 2012, 11:15 AM
Town Square
High-speed-rail analysis sets stage for more lawsuits
Original post made on Apr 20, 2012
Read the full story here Web Link posted Friday, April 20, 2012, 11:15 AM
a resident of Atherton: West Atherton
on Apr 20, 2012 at 3:07 pm
How long, and how many lawsuits will it take to kill this idea? it was badly conceived in teh beginning and based upon a tissue of lies about ridership. The assumption is that ridership will be much higher than that of the Acela, although densities are much lower in California. There is a very good reason why no one in private industry has any interest in investing in this project, in spite of the presence of $13.3Billion in government funding.
Let's recognize the fact and say enough is enough. Surely the Legislative Analyst's report should be sufficient to get our state government (if not our Governor) to see the harsh light of reality?
a resident of Woodside: other
on Apr 20, 2012 at 3:58 pm
Good question, Keith. Of course this project should be killed.
Unfortunately, Sacramento never misses an opportunity to miss an opportunity.
a resident of Menlo Park: other
on Apr 20, 2012 at 4:32 pm
The unions want the jobs. So their lackeys in Sacramanto will never kill it and risk upsetting the unions. You know the same unions that provide huge amounts of money for those legilators to be elected and reelected.
a resident of another community
on Apr 20, 2012 at 5:18 pm
We all can't wait for the old folks to give up. We're the only country in the world in the stone ages. Beacause of a few millionaires who are up tight.
Most of you will be too old to use it. We won't. And we want the jobs that will emerge.
a resident of Menlo Park: other
on Apr 20, 2012 at 8:25 pm
Young Voice:
if you want it you better be prepared to pay for it. IF they build it, it will need to be subsidized. The state is already going broke so think of the tax rate doubling to pay for the boondoggle you "young" people will be using. Except you won't because it won't be "high speed rail" and it will cost a whole lot more to take it than it will to fly or drive.
Oh, Mr Gordon, we know it's you.
a resident of Woodside: other
on Apr 20, 2012 at 8:58 pm
Young Voice -
Those ever increasing tuitions at California's universities that you hate and our funding of high speed rail are related.
Figure it out.
a resident of Atherton: Lindenwood
on Apr 21, 2012 at 3:11 pm
To young voice:
When you start paying taxes, you'll realize the connection between the legislators making promises to unions for projects that CA can't afford, and then those same legislators (normally Democrats in Sacramento, in Assembly or Senator or Governor's Office) saying that the state is broke, they are running a deficit (that means they overspent and don't have enough money to pay the bills) and that they need more money from you (that's through "taxes") to pay for these new, and old, projects that Unions are making money off of. You'll also see the connection between these Unions giving money to Democratic politicians running for office in Sacramento, and then getting elected, and then those same Unions having meetings with those politicians to talk about projects/payback they want for getting them elected.
Oh, and you'll also learn that the game and goal in getting a large government project started and funded is to severely underestimate the costs to build/construction, severely overstate the benefits of the project (like ridership, profit, GHG reduction, etc), and then hope no one looks back years later to say that it was a boondoggle.


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"Ashley, she will be your best friend one day," my Grandma always told me growing up. "I know you can't stand each other now, but I promise you she will."
"Yeah right," I would say back. "She is mean and we don't have anything in common."
It was an easy reply when you were mad. Growing up, it was easy to butt heads with my sister, Sarah. We were so close in age, so we had to share EVERYTHING. Looking back, we were lucky. But we were kids who hated sharing a room, birthday parties, and friends. But looking back again, I had some of the best times of my life with my sister.


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Interview: Tomaž Prinčič (Prinčič winery, Kozana/Brda, Slovenia)
On the family farm Prinčič from Kozana in Brda they cultivate grapevine since many generations and create it's noble product. The old writings from 1848 talk about the Prinčič family as vine and fruit growers. Since generations the tradition of collaboration with nature and protection of the nature and it's quality products transferred to the … Continue reading
Interview: Marjan Simčič, Simčič winery, Ceglo/Brda, Slovenia
The Simčič wines (attention – we are this time talking about Marjan Simčič, not Edi Simčič, who also creates excellent and well known wines!) are for sure between the best known Slovenian wines abroad. His often awarded wines from the Slovenian Brda region (part of the vineyards are also in Italian Collio) are known as … Continue reading
Enrico Rivetto, Rivetto winery, Alba (Piemonte), Italy
Enrico Rivetto is representing the forth generation of the wine makers from Piemonte. Rivetto family is one of the oldest winemaking families of the region – they have been making wine for over 100 years. Today this medium size estate occupies some 35 hectares, 20 of which are vineyards, and faces the spectacular Serralunga d'Alba castle … Continue reading
Matjaž Četrtič, wines Ferdinand, Goriška Brda, Slovenia
Matjaž Četrtič, the young winemaker from Brda, who has, together with his collegue from Collio, created a rebula/ribolla based sparkling wine which is uniting Slovenia and Italy – without borders with Rebolium Sinefinis. What has brought you into the world of wines? I live in Brda, so I was always living with wines. After I finished … Continue reading
Carlo Nerozzi, Le Vigne di San Pietro, Garda, Italy
Carlo Nerozzi, the architect, who became by coincidence winemaker and who dedicates his wines to the ones he loves, tells us about his Le Vigne di San Pietro wines which are very appreciated in Italy and abroad. His Refola for example has gained 3 glasses from Gambero Rosso. What has brought you into the world … Continue reading
Miha Batič, Batič winery, Vipava Valley, Slovenia
"A complete path from must to wine is written in a grape. A great oenologist understands that wine is a masterpiece of Nature, not man. The most precious and purest wine is born from only one idea. The idea of Nature." says Miha Batič. What has brought you into the world of wines? My blood is … Continue reading
Primož Lavrenčič and wine estate Burja, Vipava valley, Slovenia
Primož Lavrenčič is young but alredy well known producer of excellent wines from the Vipava valley. Winemaker with a clear vision of wine, which, for him, must be sophisticated, elegant and long – full of noble characteristics, which can already be found in his bottles. What has brought you into the world of wines? I … Continue reading
Alberto Ruggeri, Ambassador of Le Colture, Valdobbiadene, italy
Amberto Ruggeri is ambassador of the presigious family winery "Le Colture", which creates on the picturesque hills of S. Stefano in Valdobbiadene, covered with vineyards of a stunning beauty, excellent "Prosecco di Valdobbiadene". What has brought you into the world of wines? I was born into a family which was living for the wine. Our … Continue reading


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With summer still upon us, I'm always looking for different ways to eat fresh and crisp without getting bored. The classic fruit crisp is made with a strudel or crumb topping, usually made of oatmeal. Well I decided that this year I was going to try topping it with something offbeat and different: Cheerios™! The great thing about replacing oatmeal with Cheerios™ (besides the yummy taste) is that it's a good way to get fiber and whole grain in your family's diet.
To give this dish a summer-inspired flair, I used peaches because I feel they go really well with Cheerios™!
© 2020 ®/TM General Mills All Rights Reserved


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- For Lease
Welcome to Millennium Centre, the home of some of New Zealand and the world's highest profile businesses'
An opportunity exists for your business to join national and international brands such as American Express, Bridgestone, Siemens, LG Electronics, Veolia, L'Oreal Paris, Adidas, Toyota Finance, Griffins, Avis Budget, Broadspectrum and Z Energy, amongst others. These businesses have recognised the staff amenity and operational flexibility afforded by a full service, high quality business park environment. amenity on-site includes a gym, tennis court, childcare centre, exceptional Alisha's café, Indian restaurant, pita pit, sushi, convenience store and Wilson pay & display car park.
Millennium Centre is a 350m walk to and from the Ellerslie Train station, the bridge across to which provides easy access also to Ellerslie township. There is also a bus station directly outside the Great South Rd entrance to the centre.
Millennium Centre One offers a rare opportunity for an occupier to secure from 500 to 4,500m² in a single building, available for fit-out from February 2020. The images and floor plans here show the potential of both full and split floor plates, with fully tailored solutions offered to suit your business
To access the full Information Memorandum and additional floor plan concepts for Millennium Centre One, click the 'Dataroom' link at the top of the page (available via Colliers' website only)
Enquire today for further details on how you may be able to secure your own position amongst the balance of world class operators who call Millennium Centre home
Ref #: 214317


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Motherhood is a gift...but sometimes it's hard! Our children warm and captivate our hearts, but they also break stuff. And stretch our patience. And test our resolve.
This devotional visits these challenges of momhood while also providing you with what you need most--encouragement. Each devotion meets you right where you are with humor and honesty.
In many ways, this scene represents the challenges you face as you move from high school into young adulthood. You may be going from a relatively sheltered environment to one of full freedom, and that transition can be difficult. Will you conform to the culture around you, or will you pursue a stand-out faith in this fit-in world?
Stories can entertain and amuse. Stories can enlighten and inform. But in the hands of Jesus, stories can turn lives upside down.
Thats what junior highers will discover as youth workers lead them through Upside Down. This video-based, conversation-driven series can be a powerful tool for turning students' worlds upside down--and for helping them see that upside down is way better than right-side up.
Jesus parables were earthly stories with a heavenly meaning, and one reason they remain so powerful today is because of how Jesus surprised his audience--and surprises us. We think we know the story's point and how things will resolve--but then Jesus flips things upside down. It isn't what we expected.


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This site provides a catalog of my compositions with links to their scores and, for many of the pieces, links where you can stream recordings of them. It also has a blog that talks about my pieces, some random thoughts about life and music, and a series of posts about how to write music.
As you can see from my picture, I've been around a long time. 30+ years of my life were spent teaching composition students in a university school of music. Even longer was spent composing music myself. I never made it to "Rich and Famous," but I did make it to "Writing Music I Really Believe In," which is a worthy goal, and the one I wish for you if you are a composer.
A few words before you read on:
So if you're okay with all that, then we're good to go.


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When Kayleigh posted Happy Birthday Melissa Hill it went instantly into my faves!! I needed to make a quick thank you for the wonderful man that made our family get away this past weekend possible, so I did a quick lift!
Katie Pertiet
Assorted Messy Stitches: White No. 03
Date Tags No. 03
Gator Crossing Element Pack
Haunted Woodlands Kit
Naturally Krafty No. 11 Paper Pack
Star Glows Brushes and Stamps No. 01
Andrea Victoria
Essential Tapes: Just Dots


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23 September 2011
Friday Freebies
The Twilight Sad
It really feel likes ages since we last heard anything from Kilsyth's finest, fear not though as they are set to release their third full-length album, 'No One Can Ever Know', 'Kill It In The Morning' in February next year. As a taster of what to expect they've made new song 'Kill It In The Morning' free to download from the band's website alongside a wee trailer. Personally I think if this is the direction that the new album is going to take then it's quite a bold step, there's still a lot of noise going on. It still sounds dark and atmospheric, but with bits of electronic in there, personally I am looking forward to hearing more.
Sparrow & the Workshop
The clothes brand Penguin seem to be the latest fashion brand to have decided to jump on board with bands. All you really to know is that you can download ''You don't trust anyone' from Sparrow & the Workshop for free here. There are also tracks from folk like Young Legionnaire and Bad Bad Lazarus, plus an array of other stuff that I have never heard of.
Sigur Rós
In November Sigur Rós are set to release their first ever live album, 'Inni', which is also being released as a live documentary film. Released on an array of different formats, ranging from Blue-Ray to vinyl, the whole thing was recorded over two nights at the Ally Pally in London. In anticipation of its release they've made the track 'festival' free to download.
Odd Box Records
If you haven't come across Odd Box Records before, then now's a good time for you to do some much need catching up. The London based DIY label have made a 32 song compilation available for free download, it's a great way to get yourself acquainted with some awesome new music that you probably won't have heard before.
Luke Leighfield and Jose Vanders
If you missed it earlier in the week, The Pop Cop posted up a blog about Jose Vanders which is well worth checking out. All you really need to know from me is that Jose duetted with Luke Leighfield to record a this beautiful cover of Bon Iver's Blindsided which is free to download on Bandcamp.
Pronto Mama
If you like your indie pop to be catchy with a touch quirkiness, then Glasgow 5 piece, Pronto Mama should be right up your street. What I presume must be there debut self titled single is free to download on their Bandcamp, do yourself a favour and get it downloaded.
Chin Yi
It used to be that I was pretty clued up on music from all over the world, however, since I started this blog almost 3 years ago, my knowledge of anything that isn't Scottish is now pretty piss poor. Every so often though I dare to step out of my comfort zone to see what else is out there, after a tip off from a friend I somehow found myself listening to Chin Yi, a dark psychedelic band who hail from Granada in Spain. Surprisingly I found myself actually getting quite into their new EP which is free to download on their Bandcamp page. Fans of Nick Cave should hopefully find this is right up their street.
The Ugly Club
Talking of bands outwith these shores, New Jersey outfit The Ugly Club have just made their new Visions of Tall Girl EP free to download on their Bandcamp. Fans of Broken Bells and My Morning Jacket might want to check this one out.
The Mademoiselle
Glasgow trio, The Mademoiselle, have made their self titled EP free to download on their Bandcamp.
Mata Macdonald
If you like your Americana/Country then Mata Macdonald might be the man for you, hailing from Stornoway, the singer songwriter has just released his debut EP. You can get a taster of it by downloading his song '3 Men' for nowt via his Soundcloud.
Flying MaN sHARK
The Edinburgh alt-pop rockers have made their self titled debut album free to download on their Bandcamp page.
Lovers Turn to Monsters
Not one to rest on his laurels, Kyle Wood aka Lovers Turn to Monsters is one prolific fella, having released his last album 'Beyond Glasgow Howls' back in June of this year. He's now recorded a new album, 'Pandas, Hearts, Blankets & Birds' which he's posted up for free download on Bandcamp.
Wild Beasts
Fresh from playing at The Electric Frog festival in Glasgow a couple of weeks back, Stereogum have posted up new track 'Thankless Thing' from Wild Beasts here.
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having fun making them like this mhm
taking offers, mainly looking for c$, also wishlist rares/vr's
|SilhouetteStation [gallery]
|Time spent
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Ranbowfennec13 wrote:Cute :3
Ranbowfennec13 wrote:Is this guy still open? If so, how many c$ are you looking for?
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How AI Is Driving the Next Phase of Growth in Fintech
December 13, 2017 | Fintech
The finance sector is going through radical changes. Traditional business models and strategies are being replaced by more consumer-centric, personalized, data-driven approaches. To stay relevant, companies are not only switching to fintech solutions at a faster rate but are also aiming for innovative solutions that can help them achieve better operational efficiency and provide customers more personalized services. And that's where AI comes into focus.
- According to PWC's Global Fintech Report 2017, 30% of large financial institutions have already invested in AI this year.
- AI-based fintech startups have fetched over US$ 1 billion in funding in 2017.
- About 80% bankers believe that AI will revolutionize the way banks gather information and interact with customers.
Clearly, AI will play a key role in driving the next phase of fintech innovations. So let's see how AI is transforming the fintech sector currently & what to expect in near future.
Personal Finance & Assistance
People and organizations that have traditionally relied on financial advisors for saving and investment related decisions are now opting for algorithm-based chatbots. By using advanced data processing, these chatbots analyze customers' finances and make more intelligent and objective decisions.
Currently, AI-based smart chatbots are being used for many personal finance purposes including –addressing customers' common queries, managing online accounts, expenditure reports, sending reminders about payments/investment opportunities, and even making online transactions.
Different chatbots (namely Plum, MyKAI, & Cleo) being used for different personal finance & assistance purposes
Credit Scoring & Lending
With automated data validation and analysis through Machine Learning (ML) algorithms, credit underwriting is no longer the arduous task it used to be for lending companies. In fact, credit scoring has become so efficient with ML that companies like Affirm and Wonga are doing it instantly on the point-of-sale to lend customers money on their online purchases. Something totally unthinkable in traditional lending.
Instant credit scoring and lending by Affirm's ML-based platform
Apart from that, ML credit scoring platforms like ZestFinance & Better Finance are helping companies increase their approval rates tremendously by analyzing non-traditional data like customers' rejection data and their expenditure behavior. With access to customer behavior, lenders are now able to assess borderline cases better, as well as provide customers with more personalized solutions.
Looking for a robust loan origination & risk management solution?
Asset Management
Using ML algorithms, asset management firms can extract valuable insights from the huge search engine and social media data streams much efficiently. Today, most asset managers are of the opinion that AI-based data-driven trading and investment strategies are helping them considerably in getting prepared for the next generation of investment systems.
For instance, Bank of America's wealth management arm Merrill Lynch recently invested over a billion on an AI-based stock picking tool to help its clients identify & benefit from valuable small-cap stocks that traditional analytics were missing.
Also Read: You Can't Do without Humans in Finance, So Hybrid Fintech
Regulatory & Compliance
According to a recent report, banks are spending about $70 billion per year on regulatory compliance (not to mention thousands of hours spent in record keeping). Using AI-based practices and tools, expenditure on regulatory compliance can be reduced by 30% and the throughput can be 3 times faster.
JPMorgan Chase recently launched a program COIN (Contract Intelligence) that can review commercial loan agreement documents in seconds, which otherwise require 360,000 hours/year of manual checking work by loan officers. Not only are these AI implementations for regulatory compliance faster but less error-prone too.
For any business dealing with financial services, the need to switch to technology-driven solutions is becoming more urgent than ever (and according to PWC one-third businesses consider AI as the most relevant technology). But the big challenge most companies face today is that they neither have the right talent nor have the required know-how to implement these changes successfully.
Given the scenario, safe option that companies have is to partner with an experienced digital transformation service provider, who can implement a robust tech solution to gear up their offerings for the next-gen financial services.
Achieve operational excellence with Trantor's Digital Solutions


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Books Read in 2013
I love to read! I am trying to keep track of everything I read and what I thought of it. Hopefully it will help you if you are looking for a book to read, and it will help me remember all the great books I have read and will read this year.
If you want to see more books I've read, and catch up on my favorites and my to-read list, check out my goodreads page
One response to "Books Read in 2013"
[…] in my shoulder–read about it here Sleeping on the couch for most of the month I only read three books Stress with money Got strep Adam was gone studying a lot Failed at […]


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"Negro-Slavery, No Evil." Full text. Parts 1, 2, 3, 4, 5, 6, 7
The Bible on Slavery, Hebrew and Christian Scriptures
Defense of Slavery, Parts 1, 2, 3, 4, 5, 6, 7, 8
To hear Benjamin Franklin Stringfellow of the Platte County Self-Defense Association tell it, slavery had God's approval. It uplifted people black and white alike. It produced more churches with more seats in the pews. It created more homes and fewer homeless. It produced a faster growing native population. It even led to less income inequality. It even, Stringfellow finally came around to saying outright, made for great fortunes:
The poor worn out slave-holding States, have in fact $417,523,392, more wealth than New England with all its boasted prosperity!
This is result is the more extraordinary because it reverses again all our experience. Since the days or Tyre and Sidon, commerce and manufactures have been regarded as sources of greater wealth, agriculture of least profit. In Europe tariffs are made to protect the farmer; commerce and manufactures are able to protect themselves. With us on the contrary, the farmers are not only richer than the trader, the merchant, the manufacturer, but tariffs are enacted to protect the latter — Agriculture not only protects itself, but carries on its shoulders commerce and manufactures. In despite of oppressive legislation, we find these agricultural, slave-holding States, in wealth, far in advance of New England, with its unequalled commerce, its unrivalled manufactures.
Slavery did not just bring all these social goods. It brought them in a handy package that invited you to come get rich. Step right up, by your slaves, put them to work, and watch them bleed money.
Stringfellow had it right that slavery produced great fortunes. If Southerners as a whole really had thrown their money away on slave property, they would soon have stopped or run out of money to throw away. They got returns on their investment, even if the nature of the market meant that often they ran cash poor. But Stringfellow got it wrong on the tariffs. Antebellum tariffs protected American cotton. They sustained virtually the entire American sugar industry. The New England manufacturer and the Carolina cotton magnate both reaped the benefits.
That said, Stringfellow got ahead of an obvious objection:
But we will be told that in this estimate we include our slaves that they should not be counted its property, but rated as persons, entitled to a share!
So Stringfellow ran the numbers counting slaves as both property of their masters and people entitled to a share of the wealth. The South still came out ahead. He declined, however, to take the wealth held as slave property out of the numbers and keep the slaves as legitimate stakeholders in the question. One might suspect deception here, or at least some kind of strategic omission, but the 1850 census lacked a line item for the value of slave property. It didn't even track the names of enslaved individuals, though for the first time it did aspire to get the full names of every free person. Finding the value of all the slaves in a state would take more doing than just looking it up like Stringfellow could the number of churches or the blind. Modern economic historians have done the work, but Stringfellow might simply have lacked the tools.


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Barrie Web Design
Barrie web design for the business that's ready to take their success to the next level and beyond. We specialize in building customized digital solutions that are meticulously crafted to help your business reach brand new levels of success Our web services include website development and design, competitive analysis, and mapping out your online strategy.
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CWL London to be staged in Iconic Copper Box Arena in May 2019
Gfinity, a world-leading esports solutions provider, today announced it will host the third open event of the 2019 Call of Duty® World League season, CWL London, at the 7,500 capacity Copper Box Arena in London running 3rd-5th May 2019.
The event, featuring Call of Duty®: Black Ops 4 from developer Treyarch Studios, feeds into the Call of Duty® World League Championship which takes place in August 2019. CWL London features 16 of the top CWL professional teams competing for prizing as well as an amateur tournament with its own dedicated prize pool which will feature up to 200 teams.
The Call of Duty World League, Presented by PlayStation®4, has transitioned into a new five-versus-five format with zero region restrictions for LAN tournaments, giving the best players and teams from all around the world the opportunity to compete in every tournament. The season launched December 2018 in Las Vegas with OpTic Gaming coming out on top. The event saw opening weekend records as highest viewed CWL open event in history, number of competitors and overall social engagement, according to Activision internal data.
Garry Cook, Executive Chairman, Gfinity: "In May, London will become the focus of the gaming world. Gfinity is going to put on a show and deliver an experience that will excite the global Call of Duty esports community. We know the players and fans and the passion they will bring to the Copper Box Arena. London is in for a treat."
CWL London marks Gfinity's first major Call of Duty event since 2016 and a return to the Copper Box Arena for the first time since the Last Chance Qualifier event during the 2017 Call of Duty World League season.
For all general information including team registration and ticket news, go to cwl.gfinityesports.com
About Gfinity
Gfinity (LON: GFIN) is a world-leading esports solutions provider. Its business to business platform, "Powered by Gfinity", delivers managed services to game publishers, sports rights holders, commercial partners and media companies. Gfinity creates bespoke solutions, including competitions and industry leading content production, connecting our partners with the esports community in authentic and innovative ways. Partnerships include EA SPORTS, F1 Esports Series, Halo World Championship and the Forza Racing Championship.
Gfinity connects directly with competitive gaming consumers through its owned competition platform, the "Gfinity Elite Series". The Series enables competitive gamers to be part of the Gfinity community, testing themselves and developing new skills, while providing a pathway for those who aspire to a career in esports to join a leading professional team. "Gfinity Elite Series" content is distributed through linear and digital channels and is enjoyed by tens of millions of esports fans around the world.
All Gfinity managed service solutions and owned competitions are underpinned by its proprietary technology platform delivering a level playing field for all competitors and supporting scalable multi-format leagues, ladders and knock out competitions.
CALL OF DUTY, CALL OF DUTY: BLACK OPS and CALL OF DUTY WORLD LEAGUE are trademarks of Activision Publishing, Inc.


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• Professional Dynametric Programs (PDP)—PDP transforms your organization into a productive powerhouse and produces memorable, bottom-line results. With PDP's integrated technology, we help your organization bring out the best in your people at every level, from the executive team to line staff. We show you how to better understand what motivates and engages your people by providing reliable, functional business processes and assessment systems customized to your organization.
• Increasing Behavioral FlexAbilitySM (IBF)—Our research indicates fewer than 1 in 5 people have a natural inclination toward change and innovation. IBF teaches your people how to break through self-imposed limitations and move from where they are to where they want to go. Through the IBF process, your people become their own personal coach. Result? They begin to break down counter-productive habits holding them back. Their productivity grows. Their quality increases. Customers, clients, patients are better satisfied. It's win-win.
• Personal and Professional Development Initiatives (PPDI)—Our coaching and development practices use a NLP (Neuro Linguistic Programming) platform to model personal and organizational excellence. Our holistic approach to individual and organizational excellence helps improve the illusive work/life balance so important to keeping people engaged. The EDGE Cultural ArchitectsSM utilize NLP to help participants learn and adopt more effective behaviors to achieve personal and organizational goals. It's how we help develop exceptional people—the kind of people who will help your organization succeed.
• Business Succession Planning—Preparing your business for the next generation through transition to a family member or key executive . . . or selling your business to a third party—EDGE Cultural ArchitectsSM, through the resources and expertise of The Rawls Group, will help you develop a business succession plan that perpetuates the leadership, culture, performance and relationships that have enabled you to enjoy past success. (We are an active and founding member of the International Succession Planning Association.)
Next: Change the Culture, Change the Result


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- The SportsAlcohol.com Podcast: Billboard Charts 2000! - July 17, 2020
- The Dads of Game of Thrones, ranked from best to worst - April 26, 2019
- Track Marks: The Worst Song of The 00's is "Crazy Bitch" by Buckcherry - December 4, 2018
Over the holidays, some of the SportsAlcohol.com crew got together and took in the (probably? hopefully?) final Peter Jackson film based on the works of J. R. R. Tolkien. We discussed frame rate, plot, pacing, and the many wonderful animals used for transportation.
SPOILER ALERT: In this podcast we discuss a movie based on a popular book that's over seventy years old with millions of copies in print. If you don't know what happens, it's your own fault.
NOISE ALERT: The were some weird clicks in the recording I couldn't get rid of. Also, our cats were hungry, so you might here their bells or their whining in the background.
How To Listen
- We are up to five different ways to listen to a SportsAlcohol podcast:
- You can subscribe to our podcast using the rss feed.
- I'm not sure why they allowed it, but we are on iTunes! If you enjoy what you hear, a positive comment and a rating would be great.
- I don't really know what Stitcher is, but we are also on Stitcher.
- You can download the mp3 of this episode directly here.
- If you are lazy, like an automatic technical award nomination for a sci-fi/fantasy movie , you can listen in the player below.


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Our team list
Jim WilliamsFounder and Bid Director
Having been exposed to entrepreneurship from an early age, Jim worked in the successful family business after graduating from John Moores University in Liverpool....view profile
Debbie WilliamsFinance Director & Office Manager
After graduating from Leeds Beckett University in 1998, Debbie began her career in finance where she worked as a Credit Control Officer for Educational Support...view profile
Cliff SummerskillProcurement Lead
Cliff has a background in procurement spanning 40 years including the Royal Air Force - Supply Branch; followed by over 20 years in the private sector with...view profile
Stewart BonnetteOperations Director
After graduating from Liverpool John Moores University with a degree in Quantity Surveying, Stewart went on to pursue a commercial career in construction. Having...view profile
David WorrallProcurement Lead and Trainer
He has helped Business WordPress Theme reach new heights and enter new markets. His skills of understanding market perception are unparalleled, and he has positioned...view profile
Amanda CreweHead of Training
Amanda has over 25 years Regional Management experience in Finance supporting SME's, Plc's and Ltd companies to develop their businesses.view profile


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oh, the "stuff" that skirt hides! behind that skirt are rolling organizing bins with more fabric, scrapbook/paper crafting supplies and lots and lots of rubber stamp sets (I used to be a Stampin' Up representative.)
I've linked up with
where she's showcasing bloggers' craft rooms, studios, closets . . . any area where one can let their creative juices flow.
cardstock - 8-1/2x11 and 12x12
vertical storage of all my printed scrapbook paper.
Check out some of the links for great inspiration for your own creative space. Checking out PK's blog is a must while you're there. She offers some great inspiration and eye candy of her own at her fabulous site.
hardware organizing drawers purchased from the home center that I spray painted white. each drawer holds a different alphabet letter.
tall cabinet houses most of my quilting fabric.
just a sampling of my rubber stamps on display.
some words of inspiration (rub-on words).
Thanks for visiting!
Leave a comment so I can get to know you.


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At a MusicTank conference on Tuesday night, I had a chat with Simon Wheeler, Director of Digital at Beggars Group, about what it's like running an independent label in these changing times for the music industry. He said: "When it comes to negotiating deals with new digital ventures like Nokia Comes With Music and MySpace Music, we can't compete with the majors when it comes to money and might. But we can compete when it comes to talent and signing great artists. And that is our main focus."
Independents have always championed some of the most interesting acts, acts that have even defined genres. Maybe it's because indies don't have to report to stockholders. Maybe it's because starting a label is so time consuming and expensive that you would only do it if you absolutely love music and the artists you sign. This is why indies tend to stick with their artists should a record fail to hit the charts.
At last month's Musexpo, two of the most successful UK indie-label owners explained what drives them, and how they operate. Daniel Miller, president of Mute, put out his own electronic record, Warm Leatherette, during the punk era in 1978. "People think you're a label when you put out a record. I didn't think I was." But as he started receiving more and more demos, the label developed organically. By the beginning of the 80s, Mute was home to bands that went on to redefine the English sound: Depeche Mode, Yazoo, Nitzer Ebb and Erasure.
"I like things I've never heard before and I only sign music that I like," says Miller. "I'm lucky, cause there's not much music I do like. My record collection is small. We went through years without signing an act in the middle of the 90s."
Richard Russell, CEO of XL Recordings, concurs. "Not signing much is a good idea. The problem in this business is that too many records are put out. There can only be one great artist in every scene. Scenes tend to create a lot of mediocrity. To me, signing is instinctive. The more I think, the worse it gets. I'm not signing people for who they are, but for their potential. I have to believe in the person."
XL (now part of Beggars Group) was launched by Russell, Tim Palmer and Nick Halkes in 1989 to release rave and dance music. They've now grown into one of the most commercially successful and influential independent record labels in the world, with artists like Adele, Basement Jaxx, Beck and White Stripes on their roster.
"The more interesting the acts are, the more difficult it is to get it on the radio. MIA, for example, doesn't have a lot of craft. She's all ideas and originality. The response we got when we put out her first single was extremely negative. Jack White, on the other hand, is all craft," says Russell. "I am so drawn to misfits; people who don't fit the mould."
"Adele," Russell continues, "more than any other of our artists, had strong views on starting big. And she knew how to do it. Liam Howlett (of XL act The Prodigy) is all instinct. There's no analysis. He has a way of dismissing almost everything. But as long as you trust them, the most difficult artists are the easiest to work with." No wonder Radiohead decided to go with XL once they had fulfilled their contract with EMI.
Russell says that he loves pirate stations and drives around every weekend to catch their broadcasts on his car radio. Somehow I can't picture EMI chairman Guy Hands doing that. His record label announced during MusicWeek that they'll be investing hugely in researching more about music fans and how they interact with music. They also want to "regain leadership in innovation of how music is experienced", mentioning the iPod as an example of the kind of innovations they'd like to develop. How about focusing on finding and developing incredible, unique talent? I don't think Beggars, Mute and XL Recordings have to worry about being pushed out of the business any time soon.


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Down-under designers have been getting a lot of love from the fashion community lately, and the attention is well deserved: Aussie import Jessie Hill got her start as head designer for indie-fave, "Buddhist Punk," before founding an eponymous label in 2007. Since then, Hill has continued to turn heads with edgy, 80's-influenced garb that would be as appropriate in a Madonna video as on an NYC sidewalk.
Jessie's spring collection offers lots to love in the way of stripes, studs and ruffles, notably on a silky black bodysuit featuring sparkly structured padding at the hips. Other highlights include Beatlejuice-esque striped shorts, and seasonless staples like billowy semi-sheer blouses. Funkier fare is available in the form of slouchy printed jumpsuits, slashed satin trousers and racy crocheted dresses, all of which pair beautifully (as the lookbook proves) with clunky lace-up platforms a la 1983.
For shopping information, contact the US showroom at (917) 338-4914.


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Holiday Escape: DIY Gift Wrap Get-Together
There are so many fantastic gift wraps out in the market, but there's something special about making your own. Whether you're hand-painting papers with kids, using colorful stickers or getting seriously fancy with folding styles, it's incredibly satisfying (and fun!) to make and so special to receive something made by hand. So for our second Holiday Escape, we decided to create a DIY day you can easily have with friends to make your own gift wrap using one of our humblest (and tastiest) ingredients: potatoes!
Max, Amy and I got together for an afternoon of snacks and stamp-making to show all of the modern shapes and styles you can create using just a potato and kraft paper. We used stamp pads to test different colors and came away with paper that felt fun and festive and cost next-to-nothing to make. If you're looking for a fun way to spend time with friends while checking a few things off your to-do list, a DIY gift wrap party is just the ticket. Just grab a few handfuls of potatoes, some small knives (or X-actos), stamp pads and everyday Kraft paper and you're ready to go! Happy stamping! xo, grace
The full how-to's continue after the jump!
This post is brought to you by Kate Spade Saturday. See the Saturday full range of products here!
DIY Gift Wrap Get-Together
What You'll Need:
-3-4 potatoes per person (we used tiny potatoes I found in my corner store, but large potatoes are fine, too)
-small paring knives or X-acto knives
-Kraft paper (we also used thinner brown masking paper)
-stamp pads in a range of colors
Creating your Stamps:
1. We created a range of simple shapes that served many purposes. We cut simple X's, O's and triangles that we combined to create wreath shapes and borders down the packages. Those were simple straight cuts, no extra steps required.
2. To create the circular patterned stamp, we twisted the blade of the Xacto and paring knives into the potato and removed the excess. That stamp proved to be one of our favorites.
Inking Your Stamps
1. Before stamping, be sure to blot your potatoes on a paper towel to remove excess moisture. Any liquid from the potato will affect the ability of the ink to stick to the potato's surface.
2. Be sure to press firmly, but don't bare down too hard or you'll force liquid out of the potato.
Amy created embroidered gift tags using neon pink thread and a needle. Simple thread your needle and "sew" the tags as you would a piece of cloth. We found simple shapes like trees and snowflakes worked best.


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Huntsville - Retail Store Manager
Company Apply Now
Seeking high energy retail managers for a very successful and high volume Canadian discount retail store
The job will be very physical with a large focus on inventory replenishment. Having a strong background in merchandising is absolutely essential.
Offering opportunities for employee growth and support, and fantastic environment, this organization is in need of capable individuals to help move the company forward in the best way possible. Store managers are being hired in various areas of Ontario and Winnipeg. The starting salary will range from $38,000 to $46,000, plus store bonus (depending on experience and location).
Current openings in Huntsville, ON!
We are looking for individuals that possess:
- Passion for retail
- Passion for merchandising tasks
- Energetic personality
- Ability to lead the team to success
- Drive to succeed
Job Requirements
- Minimum of 5 years of relevant experience in the retail industry, including at least 2 years in a management position;
- Flexibility with regard to availabilities and work schedules (day, evening, week-end);
- Ability to work in a fast paced and high volume environment;
- Ability to handle the physical load on a daily basis;
- Ability to efficiently organize time and manage priorities;
- Strong leadership and communication skills;
- Good time management skills and able to manage priorities;
- Hard lines or grocery experience a definite asset!
- Clean criminal background
Not only does this opportunity provide employees with the satisfaction of working with a growing company, but we also offer a competitive benefits package that includes medical and drug plans, life and disability insurance, and the ability to participate in a company matched pension plan.
If you feel you possess these requirements and are interested in being considered for this great career opportunity, please forward your resume immediately through this posting.
There are numerous other locations available, for a complete listing, please visit our website at www.hunt.ca
We thank all those who apply, but only qualified applicants will be contacted for an interview at this time.


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It's shaping up as the biggest Marketing Excellence Awards yet, so if you haven't already submitted your best work for this year's awards, time is running out.
The extended deadline will close this Friday 28 August, with finalists to be revealed by 30 September.
With a vision to unearth Hong Kong's best practice in marketing excellence, this year's awards will include a total of 29 categories, reflecting the dynamic marketing landscape brands operate in today.
In addition to high visible out-of-home executions, attention-grabbing PR, persuasive content marketing and numerous mobile, digital and technology campaigns, a number of existing categories have been refined and added to reflect that changing marketplace.
Existing categories including Excellence in Data-Driven Marketing, Excellence in Partnership and Excellence in Retail have been revamped to include a wider marketing spectrum while Excellence in Online Video have been added into the mix.
See the full list of categories here.
Reflecting the growth of the Marketing Excellence Awards in Hong Kong, this year's gala dinner has moved to the Conrad Hotel and will be held on the auspicious date of Friday, 13 November.
SEE all the action from last year's MEA Awards here.
Details about entry submission and the awards gala dinner can be found here.


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Blood, guts, pain and glory – Sit back and enjoy all the world class rugby actions on the BIGGEST screen in the capital!
All loving rugby fans can enjoy amazing deals paired with some delicious eats, great prizes, loads of fun and much more!
Date: 20th September – 02nd November at PJ O'Reilly's
Reservations can be booked at firstname.lastname@example.com or Tel: 800 101 101


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Child Behavior Counseling
Child behavior counseling is generally led by trained clinicians with a masters or doctoral degrees. Child behavior counselors might be licensed counselors, psychologists, clinical social workers or family therapists. These counseling services might take place in private practices, schools, hospitals or in the family's home. Generally, child behavior counseling lasts from several months to several years, depending on the severity of the child's problems 1.
Child behavior counseling can be effective in addressing a range of typical and abnormal child behaviors, including lying, fighting, stealing and talking back. Furthermore, child behavior counseling might be useful for children whose parents have divorced or who have experienced a significant loss, such as a death in the family.
Individual Approaches
Individual child behavior counseling can include:
- several approaches
- including play therapy
- behavior modification
- role playing,
- talk therapy
During the initial assessment, the counselor might simply watch the child play and observe the troubling behaviors. In subsequent sessions, the counselor will generally take a more active role and might help the child learn new behaviors or modify troubling ones through a combination of age-appropriate conversations, play and behavioral redirection. Additionally, a therapist might take a cognitive behavioral approach and help the child explore the way her thoughts and feelings affect her behaviors.
Group Behavioral Counseling
In addition to individual therapy, child behavior counseling might take place in a group format. Generally, group counseling brings together children of similar age with a common presenting issue such as aggression, anxiety or depression. In the group format, children practice new behaviors with their peers and learn about their behaviors or concerns from both their counselor-facilitator and fellow group members, according to the American Academic of Child and Adolescent Psychiatry. Group behavior counseling might be used either as a primary behavior therapy or as an adjunct to individual therapy.
Parent's Role
Counselors often ask parents to take part in their children's therapy and ask the caregivers to act as partners in the child's treatment. For some issues, such as defiant behaviors, counselors might want to have family counseling sessions to evaluate family dynamics and improve the quality of caregiver-child interactions. For other issues such as panic, anxiety and depression, counselors might teach parents strategies that they can use at home to help modify troubling behaviors at home. Likewise, child behavior counseling might involve teaching the parents about the child's diagnosis or symptoms.
- Creatas/Creatas/Getty Images


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Finding the right dental insurance plan with the right options can be complicated. At Spirit Dental, we make it easy by offering affordable insurance plans with guaranteed acceptance and no waiting periods.*
Affordable Dental Coverage Options
Spirit Dental offers a variety of dental insurance options tailored to your needs. We have plans available for individuals, couples, and families. For more information on coverage that might pertain to your situation, visit the below links:
As a parent, your children are a main concern. For that reason, we've broken out information on our children's coverage and orthodontics:
Spirit Insurance Plan Options
Spirit Dental offers two insurance plan options as well as the opportunity to add vision insurance. Within each of our plan options (Network and Choice) you have two choices. The main difference between the choices are the max benefits. To help clarify each plan and the benefits, click on the plan options below:
Review our dental insurance options and plans today and you'll see why we believe Spirit Dental will be able to help you find a plan to best fit your needs.
*There are no waiting periods on Preventive, Basic or Major services.


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And the summer arrived! And with them, lots of news for the miniature world (did I hear Age of Sigmar?) as well as many cool things for miniature modelling fans:
- Archmagos Dominus by tupavko: Long time without seen conversions at this level, very cool. Good work tupavko!
- Paul Von Hindenburg: Our korean friends never cease to amaze us. The realism in this bust is out of this world!
- A Sherwood Tale by Francesco Farabi: A very simple diorama in the idea but filled with great details that make it worth it.
- Tarathiel MoonElf by Mirko Cavalloni: Incredible miniature by Pegaso painted beautifully by Mirko Cavalloni.
- Lone Olfo by Solmar: Solmar's diving deep into OSL effects!
- Geraint Nerthol by Roberto Chaudon: I really like this creature that Roberto has just modelled.
- Commander Dante by Master of the Forge: Long time since I last saw a miniature converted by Master of the Forge. Pretty cool stuff as usual!
- Scarabée Intrépide in Le Blog de Kouzes: I really dig this style as you know, and this vehicle conversion is so cool!
- Random Encounter by Roman Lappat: You may have seen this mini a thousand times already. Well, here's Roman's version!
- Valentin 2045 by Mirko Cavalloni: Mirko tells us he had a lot of fun with this one!
Articles and Tutorials
- The Butcher by John Keys: My friend John has started a blog about this work, and he's currently painting this miniature at the moment. Very interesting to follow!
- Army Painter Metallics and Inks review by Arsies: Arsies continues his review about the complete set of Army Painter paints. It continues here and here.
- Winter Orc by Bijou in Eurekaminis: Interesting tutorial on using W&N water-solubles oils on an orc bust.
- Converting a Black Templar Marshall: I like conversions a lot, and this is a good article on doing cloaks and cloth for Space Marines.
- Éowyn tutorial by Daniel Guijarro: Very interesting tutorial on painting Éowyn. This is a very especial tutorial for me that I will talk about in the blog soon.
- Grocery shopping with Eurekaminis: Very helpful article on buying useful stuff you can find in any grocery store.
- Robot Dinner by Sergio Duran: Sergio tells us how he builds this cool diorama. (Only in Spanish)
- Scarabée Intrépide the making of: The same vehicle presented a few lines above, but now explained!
- Druid Marines by C'tan: I really like these wood-like Space Marines by C'tan.
Events and reports
- Golden Vinci 2015: Online contest in the dievincis blog. (This link sends only to monster category, but there are more; find them in the blog).
- Massive Voodoo Bananalicious 2: Online contest in the Massive Voodoo blog. (This link sends only to the Standard category, but there are more; find them in the blog).
- XXII Concurso de Modelismo Fuengirola: Report on Rafa Coll's Blog.


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We've all been there: A co-worker or blog article suggests we checkout a certain module or package. A few seconds of searching Google turns up the project's homepage. But then you start to read the docs and your eyes glaze over.
Let's take the urllib module from Python's standard library as an example. Presumably, you'd want to use this to grab some information from a URL. Maybe you're interacting with a RESTful web service or want to do some web scraping.
Reading through the docs, it's not immediately obvious what the main classes actually do:
urllib.urlopen(url[, data[, proxies]])
Open a network object denoted by a URL for reading.
urllib.urlretrieve(url[, filename[, reporthook[, data]]])
Copy a network object denoted by a URL to a local file, if necessary.
What exactly is a network object? It's not really obvious as to where you should get started. Reading through the "Utility Functions" section, you see a few things that look promising, but then the URL Opener section has you scratching your head again.
You waste hours scrolling through docs and reading forums, hoping you'll eventually understand. But you feel disheartened. It shouldn't be this hard, right? You start to feel frustrated and adrift. You start questioning, "Why can't I figure this out?" You get so far into the weeds that you start to forget what problem you're trying to solve in the first place.
Your tools got in the way.
A good API stays out of your way. Once you use it a few times, you no longer need to refer to the documentation to prefer common tasks. A good API has sensible defaults for things, and makes common operations easy and elegant. Things that are similar behave similarly, while things that are logically different appear that way. There are no surprises.
You know a good API when you're using it. It feels intuitive. Reading some code that uses it, you don't need to know anything in particular about how the API works to understand how it's being used.
Of course, when we're talking about an API here, we're using the term in its most general sense. While many people think of APIs as endpoints for web services, APIs are also the classes and functions in your favorite package or the methods in your company's client library. An API is simply an interface for exposing functionality in one system to other developers who want access. Requests is a perfect example of a good API, and contrasts nicely with poorly designed urllib, used above.
Making a request is as simple as:
import requests
r = requests.get("http://www.google.com")
print r.text
More complex tasks like specifying HTTP headers, performing Basic Auth and even sending cookies are all just as straightforward:
r = requests.post("https://www.twitter.com/login", auth=(username, password))
cookies = dict(logged_in=True, user_id=5)
r = requests.get("https://www.salesforce.com/home", cookies=cookies)
That's easy!
As developers, it's easy to get caught up in the hard science of what we're building. Is it fast? Is it reusable, loosely coupled and abstract enough?
But we often don't spend enough time (if any!) considering how easily someone else might pick up our work. And that's a huge problem. In a business, those problems show up as poor cross-team collaboration and create a steep learning curve for new employees.
A good way to measure this is by asking if you can get a new hire up to speed with what you've built in a single afternoon. Is there well-commented example code, or are there up-to-date tutorials anywhere? If the answer to these questions is "No," then you've got an API problem.
This problem is not only going to cost you time, but it will also limit the amount of code reuse. If someone can't understand how to use code that's already been written, they're more likely to either hack their way around the issue or rewrite the same functionality.
In the open-source community, bad APIs can also alienate new members and keep adoption of a project from rising.
Really, when was the last time you enjoyed reading documentation for hours? Don't force others to struggle through that pain in order to use your code. Note that having fast code or a lot of functionality doesn't make the problems disappear. Whether you're building a web service API or a set of classes and methods for a client library, if you want other developers to use your code, it's important to consider the design of your API.
You have to write your code to be used by humans, not just machines.
If you're a Python developer and want to learn more, the image above is taken from a presentation called Python for Humans by Kenneth Reitz, which I'd highly recommend.
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Sat Narayan Wahe Guru Hari Narayan Sat Nam
Sat Narayan is True Sustainer,
Wahe Guru is indescribable Wisdom,
Hari Narayan is creative sustenance
Sat Nam is True Identity.
This mantra is chanted to create inner peace so one can project outer peace, happiness and good fortune. Narayan is the aspect of Infinity that relates to the water element. This mantra helps you "go with the flow" and takes you beyond the world to the experience of Infinity.
Sit in easy pose with a light neck lock (Jalandhar Bandh) and put arms at the side of the body like a 'W'. The upper arms are touching the sides of the chest, with the elbows bent, palms facing forward. Elbows are relaxed at the sides and the forearms up near the shoulders. Palms face forward, hands are at the height of the nose, with the hands in Gyan Mudra.
Chant in a monotone or sing along with music.
Continue Reading at Meditation Pages
Sit in Easy Pose - spine straight. Place the left hand in front of the heart center, palm facing the chest, 4 to 6 inches from the body. Keep the fingers stiff but not tight. The left forearm is parallel to the floor. The right arm is straight, resting on the right knee and the right hand is in gyan mudra. Chant Sat Narayan Wahe Guru Hari Narayan Sat Nam. Concentrate at the heart.
Part One: (11 minutes)
Sit straight in easy Pose. Hold your hands together in Sarab Gyan Mudra in front of the heart. Interlace the fingers, then extend the index fingers up, pressing the palms and index fingers very tightly together, thumbs crossed. With Long Deep Breathing, meditate on your breath, inhaling and exhaling so deeply and completely that you can hear your own breath. Each breath should be a voluntary, mechanical breath.
Part Two (11 Minutes):
Still in Sarab Gyan Mudra, inhale and exhale in long deep breaths in rhythm with the mantra, Sat Narayan Wahe Guru Hari Narayan Sat Nam as recorded by Mata Mandir Singh, inhaling during one complete sound cycle (2 repetitions of the mantra, about 20 seconds) and exhaling during one complete sound cycle (2 repetitions of the mantra). Listen to Sat Narayan Wahe Guru Hari Narayan Sat Nam.
Part Three (11 Minutes):
Continue in Sarab Gyan Mudra. Begin breathing a powerful breath of fire. Continue for 3 minutes, increasing the strength during the last minute.
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The controversy continues: As we all saw (live, on DVR or on YouTube), CM Punk came up bleeding this past Monday night on Raw during his steel cage match with Jerry "The King" Lawler. Speculation is running rampant across my keyboard that one of three things happened:
1) CM Punk really hit the cage and really bled because wrestling is real.
2) CM Punk bladed because he just can't help it. He's a wrestler. It's like Ash's chain saw arm in "Army of Darkness."
3) CM Punk bladed because, for christ's sake, he's wrestling inside a mess of chain link fence, and a lack of blood is a little hard to believe. #AgentOfChange
Either way, he bled, and to hear Kirby Mack discuss it, even if it's a little hardway blood from your lip, you better get rid of that shit immediately, because this is PG and we have advertisers to appease. And now, to add fuel to the speculative fire, Punk is Tweeting that he paid a "500K fine" and also "paid Charles Robinsons fine" (Robinson was the referee in the match who took the handoff of the blade from Punk, making him a co-conspirator with this apparently rich-ass wrestler).
Now that I think about it, Punk didn't say what he was fined, only that it was "500K" of that thing. Maybe he finally got a truckload of WWE Ice Cream Bars, and that son of a bitch was holding out on his, so when he bled, they took 500,000 of them back. Serves you right, prick! -Eric
Filed under: WWE News | Tagged: $500000 fine, bladed, blading, bled, bleeding, CM Punk, fined, Jerry "The King" Lawler, Jerry Lawler, Monday Night Raw, red equals green, steel cage match, WWE Ice Cream Bars | Leave a comment »


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In the belief that cancer may have at its root cause mental and emotional reasons, I explored a lot of psycho-spiritual forms of healing.
One of these was Family Constellations therapy. This post is a health warning for anyone new to Family Constellations therapy – it can be a psychologically-damaging form of therapy in the hands of the wrong practitioner.


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Bret Amundson is a tv and radio host, waterfowl guide and freelance content creator based in western Minnesota. Visit the BIO page to learn more about Bret. Or click the links below to see samples of his work.
TV: Bret has been nominated for an Upper Midwest Emmy Award in 2018 and 2019 for hosting the popular outdoor show Prairie Sportsman that airs on PBS in Minnesota, North Dakota, South Dakota and western Wisconsin. Watch episodes here.
Radio: Bret is the host of Sporting Journal Radio, heard on 30 stations across the midwest, on demand here, by subscribing on the "podcasts" app on your iPhone. You can also watch show now on YouTube and Facebook.
Waterfowl Guide: Bret guides for Mid Migration Outfitters in western Minnesota for ducks and geese in the fall and in Missouri and South Dakota in the spring for snow geese.
Videography and Photography: Bret spends as much time behind the camera as he does in front of it, creating high-quality content for tv, print, digital and social media.
Voice Overs: Bret has had a long career in the voice over and radio industry, working at radio stations in Minneapolis, Fargo and more. He's also voiced tv shows, radio stations, audiobooks, video games, and more all over the world.
Tazin Lake Lodge: Bret works with the high-end lodge in northwest Saskatchewan to create stunning visuals and compelling videos for their marketing campaigns, including the popular "Tazin TV". He also gets to catch giant fish there! Check out the video below:
Here is the giant lake trout video!
Here is a video you've probably never seen before:
CLICK HERE TO WATCH: Burping a lake trout!


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According to RockReview.co.uk, the third installment of Roadrunner Records' European Road Rage tour is to take place this May/June. The bands included in the trek will be TRIVIUM, 3 INCHES OF BLOOD and STILL REMAINS. The only confirmed U.K. dates so far are as follows:
May 11 - Nottingham, UK @ Rock City
May 14 - Brighton, UK @ Concorde 2
The tour will hit Germany May 21-25 and will take in the Rock Am Ring/Rock Im Park festivals. A Download Festival appearance from some of these bands also looks increasingly likely.


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According to the Ministry of Defense, a missile attack on two floating target ships was launched using Vulkan, Granit, Malakhit and Oniks cruise missiles from the sea of Okhotsk and from the coast of the Kamchatka Peninsula.
The distance to the targets ranged from 250 to 500 kilometres (155 to 311 miles). All seven cruise missiles successfully hit their targets.
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RT (Russia Today) is a global news network broadcasting from Moscow and Washington studios. RT is the first news channel to break the 1 billion YouTube views benchmark.


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Air bags, seatbelts, and windshields have a common purpose: enhance your safety. A vehicle's condition is known by how these parts are maintained by the owners. Out of these three, the windshield is the most important because of its additional features and benefits. It is apparent in how it keeps up the structural integrity of the vehicle when dealing with the heat often seen during the summer in Sun Lakes.
In this article, we will see how worthy are the windshield repair and other auto glass replacement services. The components of a windshield might give some clue to how it is repaired. Two sheets of glass are laminated using a layer of polyvinyl butyrate (PVB) to make a piece. A chip or a crack is the most common problem and it tends to spread over a period. An early repair can save a lot of time and money. The manufacturers' specification of installing a windshield is nearly impossible to duplicate as well. Therefore, in many cases, replacement is not advisable.
Sun Lakes Windshield Replacement – Cost Factors
Automobiles in today's modern world are equipped with many more safety features than ever before in history. Considering the high and ever-increasing number of traffic accidents that occur on the busy streets and highways of the United States, it is vitally important that vehicles have built-in mechanisms that make surviving an accident more likely. Safety features like air bags, seat belts, third brake lights, and safety glass used in windshields are essential for modern drivers and their passengers. Fortunately more and more of these safety features are being made standard equipment in new automobiles every year.
But what happens when these safety features are threatened -- perhaps damage to the windshield for example? Well, there are numerous different options, ranging from impractical and inconvenient to cost-effective and hassle-free. If your windshield gets damaged, you could either:
1) Learn to live with it (until you get pulled over for driving an unsafe vehicle with impaired visibility)
2) Get a whole new car (not exactly the most cost effective way to go)
3) Replace the windshield (Much more reasonable cost but must be done absolutely right)
4) Repair the windshield (If the damage is minor enough, a very effective and efficient way to go)
No one should have to endure a damaged windshield. Especially in today's world, with so many different replacement and repair options available. As for getting a new car, well, you might if you were planning to anyway, but what about the value of the car you'd be selling or trading in -- it now has a damaged windshield after all! And what happens when your next car's windshield gets damaged -- you won't always be able to replace a car just for a simple windshield crack. You could replace the windshield, but that may cost more than you really need to spend, depending on the extent of the damage. Or -- you could simply get the windshield repaired.
A simple windshield repair is a great way to fix the damage to the glass while preserving the safety features of the vehicle. Windshield repair [http://lasertargeted.com/glassrepair/windshield-repair.html] is performed without destroying the factory's safety seal of windshield to vehicle. This seal holds the windshield in place during collisions and ensures that the airbag will deploy properly. Windshield repair will also halt the spread of damage; restore structural integrity to damaged glass; improve clarity by 80% or more in damaged area; extend the glass's useful life; cost less than automotive glass replacement, and will enable the vehicle to pass safety inspection.
In a nutshell, windshield repair means injecting a specially formulated resin into the area of damaged auto glass. The resin is then cured and polished, which restores the structural strength and clarity to the glass. Then you have a repaired windshield with a barely noticeable scar (no larger than the size of a sharpened pencil point).
Now, doesn't that make a lot more sense than replacing the whole thing?
Not all windshields can be repaired. The damaged area should be relatively small (no longer than a dollar bill). A trained technician should be able to tell you if windshield repair is possible for you. You never know unless you ask!
Windshield Replacement - The Ultimate Guide
As you are driving down the road, it happens. You hear that dreaded sound. Your car windshield gets hit by a rock or debris and a crack appears. Sometimes the crack is gigantic and sometimes only a teeny tiny crack appears. Cracks and chips of all sizes are not only unattractive, but they can make driving unsafe too. When you hear the sound of something hitting your windshield, in comes the dread and so does the fear of what it's going to cost to replace the complete windshield or get a windshield repair begin to set in. Will it even be necessary to have a complete windshield replacement?
Without saying, any major damage received that causes huge cracks or shatters to any part of the windshield or the entire windshield, yes, definitely, a complete replacement is necessary. However, newer cars have windshields installed that are regulated by the government and in some situations it may be better to have the windshield repaired instead. Keeping as much of your vehicle in original condition is best for resale value and safety.
As well, many insurance companies are referring their customers to have windshield repair done now instead of a windshield replacement. You may wonder why, right? Well this alternate method is not only less expensive than a complete windshield repair, but there is less time where you are without your car. So the insurance company has to pay less to get your car fixed and maybe even eliminate the need for a rental car too.
For you the driver, repairs to your windshield will hold up as well as the replacement too. The quality is just as good, you won't even know it by looking. If your insurance doesn't cover windshield damages, you certainly want to go the less expensive way out and repair versus replace is the right choice in this situation.
You may wonder if it is absolutely necessary to have a professional do your windshield repair. You've noticed the do-it-yourself windshield repair kits at your neighborhood auto parts store and looks like it would be simple enough, right? Well, think again, it is not that simple. Taking out the old and popping in the new takes special tools and techniques that the professionals have been trained for.
At the first sign of damage, it may not be as clear if repair or replacement is best and a professional is trained in knowing whether a repair is even feasible and will be successful. Not to mention that if trying to do this yourself at home, it could lead to a serious safety issue. Keep in mind also, that with a professional mobile auto glass service, there will be a professional, in flesh and blood, in your driveway or work parking lot that you can tell if they are being straight with you or not.
For the sake of safety and convenience, instead of taking your car to the shop, always consider using a mobile service instead. There are mobile auto glass services in the Virginia area now with experienced trained professionals. No need to try to drive with a busted windshield or a huge crack running across the drivers' view!
So the next time you hear that shuttering sound of a rock hitting your windshield, don't panic! A phone call to a mobile auto glass service will get you a windshield repair or windshield replacement in no time.
Windshield Repair and Replacement: How to Reduce Cost Without Lowering Quality


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If you caught tonight's episode of Marvel's Agents of S.H.I.E.L.D., you already know the big news; ABC will air the very first teaser trailer for Joss Whedon's Avengers: Age of Ultron during next week's episode.
Be sure to tune in to ABC on Tuesday, October 28th at 9pm ET/PT for Agents of S.H.I.E.L.D. season 2, episode 6, "A Fractured House," to catch the Avengers: Age of Ultron trailer reveal. Hopefully the promo will hit the web immediately after and make its way into theaters next weekend as well. Hit the jump for more on the film. Avengers: Age of Ultron arrives on May 1, 2015.
Here's the official synopsis for Avengers: Age of Ultron:
Marvel Studios presents "Avengers: Age of Ultron," the epic follow-up to the biggest Super Hero movie of all time. When Tony Stark tries to jumpstart a dormant peacekeeping program, things go awry and Earth's Mightiest Heroes, including Iron Man, Captain America, Thor, The Incredible Hulk, Black Widow and Hawkeye, are put to the ultimate test as the fate of the planet hangs in the balance. As the villainous Ultron emerges, it is up to The Avengers to stop him from enacting his terrible plans, and soon uneasy alliances and unexpected action pave the way for an epic and unique global adventure.
Marvel's "Avengers: Age of Ultron" stars Robert Downey Jr., who returns as Iron Man, along with Chris Evans as Captain America, Chris Hemsworth as Thor and Mark Ruffalo as The Hulk. Together with Scarlett Johansson as Black Widow and Jeremy Renner as Hawkeye, and with the additional support of Samuel L. Jackson as Nick Fury and Cobie Smulders as Agent Maria Hill, the team must reassemble to defeat James Spader as Ultron, a terrifying technological villain hell-bent on human extinction. Along the way, they confront two mysterious and powerful newcomers, Wanda Maximoff, played by Elizabeth Olsen, and Pietro Maximoff, played by Aaron Taylor-Johnson, and meet an old friend in a new form when Paul Bettany becomes Vision. Written and directed by Joss Whedon and produced by Kevin Feige, Marvel's "Avengers: Age of Ultron" is based on the ever-popular Marvel comic book series "The Avengers," first published in 1963. Get set for an action-packed thrill ride when The Avengers return in Marvel's "Avengers: Age of Ultron" on May 1, 2015.


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It's another blustery and precipitous day here in the lovely Bay Area!
Driving anywhere is a nightmare – not to mention highly unsafe. Everyone on the radio is shouting, "There's a severe weather advisory!! Work from home if you can swing it! You don't want to drive in this mess! STAY INSIDE!!"
To be honest, the weather itself isn't necessarily what makes venturing outdoors unsafe. It's really not that bad…especially for someone from the Pacific Northwest.
It's the California drivers, you guys.
They are the safety issue right thurr.
They still do not know how to adequately drive in the rain…even though it happens every. single. winter.
"Oh my goodness! What is this wet stuff falling from the sky?! I don't understand!?!! What's going on!? WHAT DO I DO?! I can't remember that this happened last year too, and every year before that!"
I must admit, I don't think it's entirely their fault….the roads around here are also awful. Because our state is poor and in debt and stuff.
Isn't that awesome?!
Anyway. I actually love this weather, it's my favorite. But I definitely miss the Pacific Northwest, and I find Native Northern Californians hilarious sometimes.
And I also wish I didn't have errands to run today.
love, Rach
Just watch…as soon as I click publish, a tree is going to fall on my house or something just to show me that I am definitely sitting in the middle of an actual severe weather advisory, so quit your whining about the Northwest. I would laugh so hard.


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Traditional CNY Rice Cake Dessert Mould
This mould is great for for making jelly, sticky Chinese New Year Cake and any type of cold desserts (e.g. custard, mousse, jelly).
This mould is not suitable for oven use. Don't confuse this with other thin koi fish moulds as this mould can withstand high heat steaming and is extremely lasting.
Diameter of round mould: 26cm; Height : 5 cm
Please place any 6 items from any catergory into your basket the cost of the cheapest will be deducted from your basket.Please note
if returning an item purchased as part of one of our multi-buy offers, the value of the original discount will be offset against this return.


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Moroccanoil® Clarifying Shampoo cleanses the hair and scalp thoroughly, while helping to restore moisture balance. Formulated with essential oils it is designed to clear hair of product buildup, chlorine and environmental impurities. Use prior to color treatment for the most even results.
Massage into wet hair and rinse. Follow with your favorite Moroccanoil® Conditioner. For use every two weeks.


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So heart be still:
What need our little life
Our human life to know,
If God hath comprehension?
In all the dizzy strife
Of things both high and low,
God hideth His intention.
God knows. His will
Is best. The stretch of years
Which wind ahead, so dim
To our imperfect vision,
Are clear to God. Our fears
Are premature; In Him,
All time hath full provision.
Then rest: until
God moves to lift the veil
From our impatient eyes,
When, as the sweeter features
Of Life's stern face we hail,
Fair beyond all surmise
God's thought around His creatures
Our mind shall fill.


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Dec 19, 2017 - Harmony V
We had a beautiful day at sea, with following seas, clear skies and deep blue waters around the ship. As we traveled west, the low-lying cays of the Cannereos Archipelago were barely visible to the north. Our destination is the large, remote island Isla de la Juventude (Isle of Youth).
Our sea day gave us a perfect opportunity to sort through photos taken earlier in the voyage. Staff gave presentations on varied topics: Cuba's Seas and Shores, Photography 101, and another interesting talk about shipwrecks and modern archaeology in flooded caves. It was also just a perfect day to take a post-lunch siesta, or relax in a shady place on deck.
After the ship made the turn off Cape Frances, the mild seas quieted more. The water changed shifted from blue to green in Siguanea Bay's shallow waters. A local pilot came aboard to guide the ship to our anchorage.
Just prior to sunset, our expedition leader Tom offered us a taste of a fine, aged Cuban rum. There were warm, gentle winds flowing through open windows on Sun Deck, where we enjoyed our Fishermen's Buffet dinner.
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