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Tax-exempt bonds alternative way to finance
Aimed at addressing gaps in economic development needs
NORTH BAY -- Tax exempt bonds and loans are increasing as an alternative way for industrial, manufacturing and nonprofit construction projects to get financing.
In such a deal, bonds are issued by a governmental entity to obtain tax-exempt status and proceeds are loaned to the borrower to fund the project. The issuer acts as a conduit to the tax-exempt marketplace.
Bond proceeds can be used to fund the acquisition and development of capital assets.
[caption id="attachment_31646" align="alignright" width="154" caption="Simon Inman"][/caption]
"Essentially, it is a bank loan with a lot of paper," said Simon Inman, an attorney with Carle Mackie Power and Ross in Santa Rosa. Mr. Inman has been on the legal side of eight of these transactions. He said as far as the borrower goes, just like a traditional loan, they have to qualify.
"The economics of the transaction are not different. You have to be credit worthy and you have to be able to finance the debt," he said.
Qualified projects funded by a tax exempt bond will result in lower interest rates.
"We are talking about the savings of two or three hundred basis points," said Mr. Inman.
Once a project has been identified as qualifying for the tax exempt bond, a municipality has to back the project by lending its tax exempt status to it.
Done by a county, the state or city, or joint powers of authority, the municipality, by putting their stamp of approval on the project, is allowing for a project to be funded that might otherwise not be.
"This is another tool to help with job creation and business retention," said Ben Stone, director of the Sonoma County Economic Development Board.
He said industrial projects getting funded may be the difference in keeping them in the area.
Mr. Stone said that the county is contacted either by someone who is working with the company to find a municipality or a company itself wanting to find out if it is worth it.
"It will lower the cost but it takes a lot of due diligence to see if it is worth it," he said.
When the bond goes out to the capital markets, the bond buyer is taking the risk, the county or state is not on the hook for the money if the borrower were to default on the loan.
The California Association for Local Economic Development established the California Enterprise Development Authority, a joint powers authority to address gaps in economic development financing. The authority issues industrial development bonds for small to medium sized California manufacturers and 501(c) 3 bonds to non-profit organizations. Both bonds provide low cost financing for acquisition, construction and expansion.
Two projects in the North Bay that were financed this way are the Alvarado Street Bakery's facility in Petaluma and Sonoma Academy.
Alvarado Street Bakery used $8.5 million in tax exempt bonds for the acquisition of land, building and equipment. The total project cost was $11.5 million.


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Nourish Blog
Get tips on feeding your busy family, easy entertaining ideas, simple meal solutions and ways to bring your family and friends together with delicious food.
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Meet Ukrop's Associate Robin Frasier
Working in the food industry her whole life, Shift Supervisor Robin Frasier says that Ukrop's was meant to complete the circle. She even knew that...
Our Ukrop's Family
Red, White & Blue Flag DIY Cupcakes
Memorial Day Weekend is almost here and July 4th is right around the corner… To show our patriotism, we put together these festive cupcakes. They...
Cupcakes, DIY
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Meet Ukrop's Associate Carmella Cramer!
Our Ukrop's Family

subset: commoncrawl


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The Underdogs is the sixth episode of Survivor: Marquesas.
Day 16
The Rotu Four walks to the waterfalls. Robert makes a confessional about him, John, Tammy, and Zoe aligning themselves to control the game. and they are confident that they are controlling the game. John makes confessionals about how he is the leader. He suggests to focus on the Reward Challenge and immunity was not important. Robert says he doesn't mind John being the leader because he takes the heat. John basks in his newfound power and when skinny dipping. John describes the experience as powerful and symbolic.
At the beach, Rob talks to Sean about their only chance to survive is to win immunity and team up with the opposing tribe. Rob makes a confessional about being in the numbers disadvantage. He and Sean talk about Vee disassociating herself from them. In a confessional, Rob said he doesn't trust Vecepia. Rob then tells Sean that he wants John out for being full of it. If given the opportunity, Rob said he will get rid of John.
At Maraamu, The tribe was searching for crabs. Paschal describes the tribe as having more time to be causal because of how easy to find food. Paschal says that the other tribe is stronger physically but they do what they can do. The tribe corners a crab. In a confessional, Kathy was worried about the tribe she was on (consisting of mostly women and an old man), but now her focus is one spirit. Both Paschal and Kathy had trouble catching crabs but succeeded. Kathy describes the food situation at Rotu and that they only ate dinner. While Kathy and Paschal was talking, a crab attempts to escape, but she caught said crab. Kathy places it and the other crabs. The tribe talk about Rotu and if Rob or Sean was voted out.
The Rotu Four head out to its Tree Mail. By the contents, the tribe happily deduced it was for food. Robert read the note and the tribe was happy the reward was for food. They were confident that they could win.
At the challenge area, The tiny Maraamu tribe walks in. However, Paschal was quick to point out that Gabriel was voted out, shocking Kathy. Jeff explains how the challenge works. When he was done, Jeff reveals the reward was a picnic feast. Sean, Tammy, and Vee sat out. Rotu was initially declared the winner. However, Maraamu protested the win. When he checked things out, Jeff recanted his decision and made Maraamu the winners because Rotu's boat wasn't close to the chains and Robert didn't have his hand on the idol while the others did.
At Maraamu, The tribe rejoices over the picnic, especially Kathy. They feast and talk about the food. However, Paschal brought up how shocking that Gabe was voted out. The others agree with him. Back at Rotu, The tribe is disappointed that they lost. Tammy makes a confessional about how most of the time, Rotu fantasizes about food. Boston Rob makes a confessional about how he did his part right in the challenge but "dumb and dumber" screwed up the challenge. John didn't felt the reward was important as it was just meal and he would avoid apologizing because of his leadership. John tells Sean that the food Maraamu gotten are highly gas food and they will be having diarrhea. Tammy tells everyone that they came out there to play the game, not eat. John cooks up some food. Tammy describes as not bad.
Later that night, Neleh reads a poem made by Gabe for Paschal. Gina tells that Paschal and Gabriel bonded like father and son. Paschal is handed the note and talks about how shocking and disappointing that Gabriel was voted out about oh what he offered. Everyone agreed that he should not have been voted out.
Day 17
Kathy Stretches on the beach. Gina describes the mood at the camp and they can just hang out. Gina then describes Kathy positively. Kathy describes the tribe as fitting in with one another but the politics is still in play. She states that she is worried about Neleh and Paschal's bond and that Gina might that her place. Gina finds a Pineapple and shares it with the tribe. Neleh says that she bonded more with Gina with her members of the original Rotu.
Knowing there was an Alliance between John, Robert, Tammy, and Zoe when Gabe was voted out, Rob decides to catch one of them in an Lie. He asks Zoe if she was in an alliance with John, Robert, and Tammy. She said they are friends, not an alliance. Rob could tell she was lying and told Zoe to not lie to him because he won't forget. Boston Rob claims in a confessional that he doesn't trust anyone. Sean talks to his Maraamu tribemates about how winning the next Immunity Challenges gives them survival. John walks by and being sick of the quiet treatment, Rob publicly asked John about any alliances. John states there is an alliance and he would be blind not to notice. Rob points out that Zoe said otherwise. John defended her by saying that she was on a different mindset. John and Rob talked more and the former confirmed there was an alliance. However, things quickly turned into an argument between the two men. John tolds Rob that the other tribe would be voted out. However, John points out that he doesn't trust Rob. They promise each other to not swing to the other side to get the other out. Rob states that he may had gotten John to trust him but he shouldn't. Rob then asked John if he was gay, which the latter said yes and John states he is a proud 36 year old gay man.
Rob makes it clear that he has to win the next Immunity Challenge or he'll be voted out. He also makes it clear that he is going to compete in the challenge. John said in a confessional that he and Tammy and Robert were talking. He tried to convinced the other two to throw the challenge to vote out Rob because of him being dangerous. However, Tammy does not want to throw the challenge. Tammy said that she doesn't know what to do for the challenge. The castaways arrive for the challenge. Jeff takes the idol from Maraamu and explains the challenge. Rob was able to lead his tribe effectively over Kathy. This ending Rotu's losing streak and gave the tribe immunity.
Day 18
Gina is seen walking towards the camp. Kathy is digging at the fire pit. Neleh talks to Gina about the latter's day. Kathy makes a confessional about her poor leadership at the challenge and the fire being out. Gina told Kathy to take the sand out. The women discuss about whether the sand is helping or hurting the fire. Kathy reveals that she put Sand in the fire at Rotu to help it and it worked. Gina says it should put the fire out and reveals that on Camping trips, she used Sand to put out fires. Kathy tried to talk to Gina about the vote, but the latter didn't want to. Kathy disagrees about not talking about the vote and just own to it. While preparing food, Gina comes over to Neleh and Paschal and told them that the fire is out. She reveals that Kathy put sand in the fire. Paschal agrees with Gina that sand puts out the fire. In a confessional, Gina states that she believes she is not being voted out for being an original Maraamu member. She also reveals that she has to vote for Kathy from a strategic standpoint because of Neleh and Paschal's bond. Neleh states that she is having a hard time deciding between Gina and Kathy. In a confessional, Kathy says that the vote would be secret until it is revealed at Tribal Council.
At Tribal Council, Jeff asked about Maraamu's winning streak and if the tribe was united. When the vote came, the first one said Gina. The second one said Miss Kathy. The other two votes were for Gina, eliminating her from the game.
Challenge: Jungle Relay
This is a three part relay race. The first runner races through the jungle, unties a paddle, and tags the second runner. Both then race to untie a second paddle, and then race back to the beach where they break open coconuts to find a key. The two runners pass the paddles and the key to two other tribe members, who must unchain a boat, paddle the boat out to retrieve a flag, then paddle back to plant their flag in the tiki. When the paddlers return to shore, they must push their boat to their chain and both paddlers must be present at the tiki when they put their flag in.
Reward: A meal of chicken, quiche, bean salad, dessert, and Sierra Mist.
Winner: Maraamu
Tribal Council
| Tribal Council 6:
| Voted
Gina (3 votes)
Kathy, Neleh, Paschal
Kathy (1 vote)
Gina Crews
Voting Confessionals
Kathy's confessional is revealed during the recap episode.
|(voting for Gina) Gina, I'm taking you to Alaska and I'm gonna get that restaurant for ya.
Final Words
|Miss Kathy, Paschal and Neleh, you're awesome. I love you guys. I understand the vote tonight. The tribal members out there that are left, the tribemates, I hope you play well, play good, play hard. I just have to say that I've had the time of my life, and it's been a wonderful, wonderful time. Nothing will ever, ever replace this experience. Thanks!
Still in the Running
- This marks the first time Jeff Probst made a wrong judgment call during a challenge. He initially announced Rotu as the winner of the Reward Challenge, but Maraamu protested that Rotu's boat was not close enough to be reached by its chain, while theirs was. Jeff confirmed the gaffe and declared Maraamu the true winners.
- This marks the first time in Survivor history that a pre-merge tribe is reduced to three members.
- After this episode, Vecepia Towery is the last female left from Maraamu.
- With Gina's elimination, Maraamu no longer has any original members in the tribe. The only remaining original members are Rob, Sean Rector, and Vecepia, all of whom moved to the Rotu tribe after the tribe swap.
|Survivor: Marquesas Episodes
"Back to the Beach" · "Nacho Momma" · "No Pain, No Gain" · "The Winds Twist" · "The End of Innocence" · "The Underdogs" · "True Lies" · "Jury's Out" · "Look Closer: The First 24 Days" · "Two Peas in a Pod" · "The Princess" · "Marquesan Vacation" · "A Tale of Two Cities" · "The Sole Survivor" · "Reunion"


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Crossing Canada by Train - VIA Rail and The Canadian
The Canadian: Travel Aboard VIA Rail's Train From Toronto to Vancouver
There's something almost unbearably romantic about seeing Canada by train: the slow pace, the clacking sound of the wheels on the tracks, the stunning vistas in every window. Riding the rails from Toronto to Vancouver really is the experience of a lifetime.
If you're considering embarking on this epic cross-country journey, then read on for tips, photos and suggestions.
The Train From Toronto to Vancouver
VIA Rail's The Canadian train departs from Toronto's Union Station three times a week (twice a week in the winter) at 10 PM. You start your trip with champagne in the dome car—a toast to the start of your journey—and then you spend three days traveling through stunning scenery that can only be seen from the train.
Time is strange on the train. It's both short and long, filled with conversation and quiet contemplation. The hours fill with napping, reading, gazing out the window and chatting with friendly strangers. It's quiet and it's slow, but it's anything but boring.
My sister, my parents and I took the train from Toronto to Vancouver in late September 2011. Here are some of the highlights of our experience, along with some tips for anyone else considering taking this trip.
Accommodations on the Train
Train travellers can choose from several options:
Economy class:
- reclining seats; shared washrooms; food for purchase
Sleeper class:
- upper and lower berths with curtains; convert to seats during the day; shared washrooms; food included
- cabins for one, two or three; convert to sitting area during the day; private washrooms; food included
While sleeper class is obviously much more expensive than economy class, it's well worth the cost. If you keep an eye on the VIA Rail website for deals and specials, you can sometimes get heavily discounted sleeper class fares—my sister and I got ours for 75% off. It was even cheaper than a full-price economy ticket would have been. It's easier to get discounted fares for berths and for single cabins than for double cabins.
Sleeper Class Cabins Aboard the Canadian
Cabin for One
My cabin for one was tiny, but perfectly comfortable. A wonder in small spaces! I loved my little pod. During the day, there was a toilet (tastefully hidden beneath a padded bench), a sink that folded into the wall and comfortable seating. At night, the bed folded down from the wall, covering the bench and the toilet. I found the bed very easy to fold down and back up again, even when I woke up in the middle of the night and needed to use the washroom.
A few tips:
- Pull down the blind before using the toilet, especially if it's dark out and your light's on. Trust me on this one. I had my thumbs looped into my waistband, about to pull down my pyjama bottoms, when I glanced up. And saw a long line of cars stopped at the railroad crossing. With nothing to look at but me.
- If you wake up in the middle of the night, open your blind and look outside. The stars are astounding. When you want to sleep again, close your blind. The first night I was woken up several times by the light of passing trains.
- Via Rail provides bedding, towels, soap, shampoo, lotion, mouthwash and earplugs.
- There are shared showers, although you might have to wait your turn.
- Doors lock from the inside, but not from the outside. You have to trust your fellow passengers.
- My parents were in a double room, and my sister and I were in facing rooms. We all agreed that two facing single rooms are roomier and more comfortable than a double room - for the same cost. Getting down from the top bunk in a double room can be a bit harrowing.
- Pack lightly. Space is at a premium. Bring layers; some cars are very warm, while others are cold and drafty.
- Room attendants are very helpful and accommodating. Staff changes in Winnipeg, so you should tip in Winnipeg and again in Vancouver.
Food on the Train
The food on the train was fantastic. Lunch and supper included soup, salad, main course and dessert. Even better than the food were the views.
Service With a Smile
A Few Tips
- You will be seated at tables of four. If you're traveling alone or with one other person, you'll get a chance to talk to new people at every meal.
- There are four choices for each meal: two meat, one fish/seafood and one vegetarian. If you have any special dietary needs or preferences, the kitchen staff is very accommodating.
- The first dinner seating is at 5:00, the second one is at 7:00 and the third one is at 9:00. You sign up for the first day's mealtime in Toronto before boarding, and then you'll have a few chances throughout the trip to sign up for the other days. If you can, ask for the second meal seating. The third one is late, especially at supper time. We had the last seating one night, and I found that eating such rich food after 9:00 at night made it hard to sleep.
- No one gives you strange looks when you take pictures of your food.
- Except for Sunday brunch, breakfast is served until 8:30 AM. If you're usually a late sleeper, tough. Honestly, it's not worth staying up late and sleeping in on the train, since there's really nothing to see at night.
- Snacks, tea and coffee are available 24 hours a day.
- You don't have to tip the wait staff at every meal. We tipped once in Winnipeg (when the staff changes) and again in Vancouver. The wait staff pools and shares all tips.
- Alcoholic beverages are available at extra cost.
Breakfast on the Train
Lunch on the Train
Supper on the Train
The Train
There's no need to park yourself in your room all day. There are lots of other cars that you can visit: the skyline cars (domed glass cars with a great view), the activity cars (fully equipped with games, cards and puzzles), the lounge, the dining car and the panorama car (from Edmonton to Vancouver).
A Few Tips:
- If you're claustrophobic, you might find walking through the train a bit stressful. The hallways are long and narrow, and the pitching train sometimes throws you a bit off balance. Still, I recommend walking the whole train at least once, if only for the odd feeling of sameness and closeness. (The whole train? 24 cars—if I counted correctly—and about 13 minutes from one end to the other.)
- Go to the activity car when leaving a major stop (Toronto, Winnipeg, Jasper) for a free champagne toast.
Stops Along the Way
The train stopped at least a few times each day, for as little as five minutes or as long as three hours. There was time to wander around Winnipeg and Jasper. The other stops were pretty much in the middle of nowhere.
A few tips:
- Get off for some fresh air whenever you have the chance!
- If you're from overseas, please don't judge Canada's towns and cities by their train stations. No, really.
- Jasper is absolutely beautiful. An hour and a half wasn't long enough. Winnipeg, on the other hand? Well...
Time to Unplug
There is no WiFi on the train, which means long stretches without internet or cell phone access. Don't fight it; just relax and enjoy. If you're having withdrawal pangs, the stations in Winnipeg and Jasper have WiFi.
The View From the Train
Really, there are no words to describe it.
As far as I'm concerned, taking VIA Rail's The Canadian train across Canada belongs on everyone's bucket list!
Unless otherwise noted, all photos were taken by me or by my family members.
I too love rail travel. I recently traveled to an extremely remote site to go fishing in Ontario near Timmins. The train actually stopped and let us off along the tracks where we boarded a small boat to go to our fishing camp at Shenango Lake. That is the good comments. I have been on two trips and both times the train in both directions was way late. On July 29th we waited all night along the tracks. This just continue to happen. In total on the last trip we waited a total of 17 hours on the train.
How much it cost for me and my two daughters ( 8 & 16) ? My elder one it is in wheelchair, does it is any problem for this?
Great hub. Loved the read. Voted up and away on this in-depth subject that I love: Riding the rails, either hobo-style or legally.
Actually, a few years ago, a mayor friend of mine were talking about hoboing a train from his town to the next.
As it turns out, I was in a bank in my hometown the next week and I believe it was a sign for us to do this venture because in the bank was an employee of that train system that runs through his town.
I asked the employee what would happen if the train company were to catch us.
He laughed and said that is unlikely. They do not have security guards like the did in the old days and if you were caught, you would pay a small fine because hoboing a train is just a misdemeanor.
I am still dreaming.
I cordially invite you to check your fan mail and then read a couple of my hubs and then become one of my followers.
I would love that.
Kenneth Avery/ from Hamilton, Alabama
Love beautiful Canada!
My husband and I have been talking about taking a train trip. Now that I've read you're article I can't wait. Thanks for sharing.
What a great trip that would be. Hey, look at all the comments...well deserved for a very good hub. Love the tip about pulling the blinds in the bathroom. LOL
Wow! This is definitely on my bucket list. Been talking about this for a long time and how I very much want to experience via rail with my family. Been to VA from TO via Air Canada where you see nothing but clouds although I love flying.
Thanks for taking us along with you through this hub. Voting up and very interesting.
Nearly died laughing at your tip about closing your blind at night when you use the toilet.
This is indeed on my bucket list. Great Hub!
Another question:
How long is the duration of the trip (1 way)?
I want to thank you for publishing this hub. It was packed with useful information, experience and lovely pictures. I can see that a lot of effort went into this hub and I appreciate your great work
Very nice. I never knew that Via train, that I see departing from Union Station every morning for Montreal, has a trans Canada line also. The cars look neat and you have done an excellent job even on warnings side hahaha. Besides, the pictures are awesome too.
The sleeping quarters do look intimidating for claustrophobic people though :-)
Two questions though:
(1)How did your pictures come out through the glass?
(2) Is there commentary or announcements if there is some special natural attraction nearby that one could see outside?
I did the cross Canada VIA rail trip a while back and I have to agree that it's a great way to see such a beautiful country. Western Ontario with its lakes is pretty and the Canadian Rockies are just spectacular. We got off in Jasper and spent a few days in the Rockies. Loved the dome car, especially while going through the Rockies. Wow! Nicely written Hub and great supporting photos and videos!
The panorama car looks fab for viewing the scenery. I notice the train didn't seem too crowded, which is a good thing. Great information, the trip sounds wonderful - lucky you!
What a wonderful Hub. I've always thought a train trip across Canada would be interesting. I found myself wondering where those photos where taken.
The food looks amazing.
I grew up in Montana took the train a couple of times to Minneapolis, train left at 4 in the morning so it was always dark in Glacier, North Dakota was a great place to see, but very flat.. loved it every time I went. It is a great way to travel! This hub brought back memories. I would love to travel Canada that way too!
I traveled on the train years ago from Edmonton to Moncton and back. You have to experience it at least once in your life!
This is something that has always been on my bucket list, great hub and great information! Thank you for sharing!
You know I have never traveled by train but after reading this article and all of your helpful photos and tips it is very appealing. Voted Up!


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Lincoln Mining Corporation (the "Company") is a Canadian based exploration and development company trading on the TSX Venture Exchange under the symbol LMG and on the Frankfurt exchange under the symbol ZMG2. The Company holds interests in two gold properties in key mineral regions of Nevada and California. Both projects are situated in districts with histories of gold production. Lincoln's primary goal is to advance the Pine Grove project in Nevada towards production. The Company's long term objective is to grow steadily through cash flow from production, by acquiring new precious metals projects that hold exploration potential, and by diversifying its mining projects portfolio through joint ventures with established companies.
The Pine Grove Property is a development-stage gold project. A technical report for the Pine Grove project was filed on March 21, 2011 and reported that the Company had received a positive Preliminary Economic Assessment for the Pine Grove project on December 8, 2011. On February 16, 2015, Lincoln filed an amended and restated NI 43-101 technical report, dated February 4, 2015 prepared by Welsh Hagan Associates (formerly Telesto Nevada, Inc.), entitled "Amended and Restated NI 43-101 Preliminary Economic Assessment for the Pine Grove Project, Lyon County, Nevada." The amended report addressed comments raised by the BCSC. The report is available for viewing in the Technical Report section. For a more detailed description of this project, including maps, photos and recent activities please go to the Pine Grove Property section.
In August 2016, Lincoln entered into a binding letter of intent with Goldcliff Resource Corporation ("Goldcliff"), who are currently earning a 40% interest in the Pine Grove property by spending $1,400,000 (US) over 3 years. It is the intention of both Lincoln and Goldcliff to advance the Pine Grove project into production.
The Oro Cruz project is located in the historic Tumco Mining District of southeastern California approximately 14 miles southeast from the operating Mesquite gold mine and adjacent to the past producing American Girl gold mine and the Padre and Madre gold mines. It is a pre-development stage project. A NI 43-101 technical report was filed on SEDAR in September 2010 reporting Inferred resources of over 340,000 ozs gold. Lincoln believes that the Oro Cruz project holds potential to be expanded and developed into a producing gold mine through renewed open-pit and underground mining. Please go to the Oro Cruz Property section for more details on this project.
Senior-level Management
While good projects are critical to success, equally important is a management team that can negotiate the risks, difficulties and complexities of mineral exploration and development. Lincoln Mining Corporation has an experienced team that includes senior executives, mining engineers and geologists who have developed major mines and explored some of the world's most important mineral regions.
©2009 Lincoln Mining Corp


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Guaranteed elderly life plans will protect for the relax of their life-time if you choose a lasting plan, such as funeral policy or last cost insurance policy. If you need a liberty mutual seniors life insurance over 80 plan then the protection will last until you are 85 years old. The highest age to buy a check up life plan is age 85 from www.checkuplife.com.
What If I Have Some life insurance for elderly people Issues?
Most organizations that are dedicated to protection for elderly understand that there will usually be some health problems. Based on your particular health problems, you can often be eligible for a a standard amount.
If you have more severe problems such as a recent cardiac arrest, stroke, cancer, or out of control high blood pressure or diabetes, then there are also Metlife organizations that offer a kind of protection called a guaranteed issue elderly life Insurance Over 65 Age policy protection plan.
The Metlife senior insurance over 82 plan amounts variety from $2,000 to $25,000 and there is usually a limited payment for the first two decades of protection. After that the plan will pay out in full upon the death of the insured.
How Do I Are eligible for A Policy?
In most situations there is a simple program with any adverse health set of questions. You will have to genuinely fix well being history and what medications you currently take or have taken in the past. Many insurance inside a qualified plan organizations will also require a phone interview to ask you the concerns and record your answers.
Once your program has been presented by your agent, it will go to an expert who will review it to determine which plan you be eligible for a and at what amount.
Compare Life Insurance Over 65 to 85
The first step you should take when shopping for a AARP guaranteed elderly life insurance over 85 policy protection (www.nylaarp.com) plan for yourself or for an elderly individuals friend or relative is to evaluate rates from multiple organizations.
This is very important because cheap rates vary by as much as $$$$ from one organization to another, based upon on your age, well being problems, smoking status, and more. Insurance New York, TX, FL, NY, GA, CA, NC, TN, IL, NJ etc.
- – http://www.fsa.gov.uk/
- – https://www.gov.uk/national-insurance/overview
By evaluating rates from several different organizations you can see which organization offers the most affordable senior life insurance 50, 60, 70, 80, and 90 age premium amount for your personality situation. Get started online instantly quotes today.
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Tags Elderly life insurance in Georgia Texas, and New York City (NY) at lifeinsuranceforelderlypeople.com.


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How curious is Mother Nature. To create within a single world this multitude of perfectly shaped trees, flowers and grasses then simply toss them about with reckless abandon.
Rocks and boulders, each grained and weathered with intricate care are strewn helter-skelter across the landscape with little consideration of overall impression. Does she not understand the basic concepts of balance in form and texture, function and structure?
Or could this chaotic representation be the work of the quintessential artist?
It might be a still life with wind-swept grasses cascading down hills like waterfalls frozen in time, charred trees boldly standing as ancient sentinels on a field of muddied ash, a reminder of the fires of summer. Portraits of perfection posed before a scattered backdrop.
Is it abstract, impressionistic or a subtle blend of both? Simply put it is the finest example of interpretive natural art and it is how you see and feel it.
Nature may not always be perfect yet within these imperfections there lies a sense of purpose. Straight lines do not grace her masterpiece yet within her seemingly disheveled display there is order…and rhythm.
Everything natural exists for a reason and everything runs to a beat. It's the cycle of life. Left to her own devices Mother Nature the artist becomes Mother Nature the composer, her natural sweet symphony the soundtrack of this world.
It is only when mankind chooses to ignore the rhythm that this symphony is silenced.
While Mother Nature is perfect in her imperfections mankind is simply imperfect, failing to understand how much a bit of harmony could improve life's song for everyone and everything on this planet.
This not-so-veiled call for everyone to stop and think before we lose what we can't replace was predicated by the BC wolf cull. I am almost ashamed to admit that I live in this province they call 'beautiful' on television ads and license plates. Public and scientific opposition to this 'cull' is massive yet the government doesn't want to listen. Oddly enough the B.C. Ministry of Lands refuses comment on how many wolves have been 'harvested' and won't provide a representative to explain the 'science' behind their decisions. My guess is…there is none.
Blaming predators (wolves in particular) is the cowardly way out. It's easier to face a backlash from 'tree-huggers' than the wrath of forestry, ranching, and mining corporations. It's easier to take to the air and gun down animals that are simply trying to survive in a wilderness growing smaller every day than impose restrictions on development, fracking, and overgrazing livestock. The caribou herds are in decline but for God's sake's let's not suggest that man has had anything to do with it.
Okay, off my soapbox but on the same topic…
The Go Go's had the beat, as do we all. Everyone has that certain song stuck in their head and that song goes a long way toward how we feel about our day. Regardless of religion, race, sex, or socio-economic lot in life…music is the common denominator. Happy music puts a spring in your step and makes everything just a little bit better. Those odd people, those skippers and shakers you see every day swaying along the sidewalk…you know the reason they're odd don't you? They're marching to their own drum and while it may seem that some have their own damned orchestra it's all part of the rhythm of life.
I'm on the first major tweak of the manuscript for my second book and never has the need for rhythm been so obvious. This book has been written in pieces over two years, which is my failing. These pieces didn't necessarily follow each other during the writing and while the rhythm within each scene is strong the combination of scenes doesn't flow as well as it should. It's almost like this was a group effort, different people writing different parts of the same book. Readers need a beat whether in narrative or dialogue and while it's not a major re-write it is a necessary step to smoothing the flow of the story.
It's simple. I've just gotta stick with the beat and follow that rhythm in my head in writing…and in life.


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SUBMIT : Your Best Bokeh Photo by November 7th. WIN: 21-Piece Bokeh Kit [Closed]
Giveaway Tuesdays has officially ended! But don't sweat it, WonderHowTo has another World that's taken its place. Every Tuesday, Phone Snap! invites you to show off your cell phone photography skills. Submit your best shot to our weekly competition for a chance to win an awes ...more


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Becki Slagle Mayo is an adjunct professor of music at Atlanta Christian College and the director of youth and children's choirs at Alpharetta Presbyterian Church. Becki has been active as a piano teacher, accompanist, and arranger for over twenty‑five years. A collection of her hymn arrangements, A Journey through the Seasons: Piano Arrangements for the Church Year, is published by Augsburg Fortress.
As a composer and arranger, she has published over fifty compositions with twelve major publishing companies. Specializing in music for young voices, Becki strives to introduce important musical, spiritual, and educational concepts to developing students.
A graduate of Campbellsville College in music education, Becki went on to complete a master's degree in piano performance from Mankato State University. She has received numerous ASCAP awards for her contributions as a composer.
Becki is the mother of three children (Hannah, Aaron, and Jared) and the wife of Dr. Joseph A. Mayo, professor of psychology at Gordon College.


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Plastic Flower Pots
Specifications: (T: Top; B: Bottom; H: Height) Item No. Material Dimension(mm) Qty/Carton N.W/pc PP-90 PP 90 T×60B×80H 3150pcs 7g PP-100 100T×70B×90H 1800pcs 10g PP-120 120T×85B×105H 1000pcs 14g PP-130 … Continued
Specifications: (T: Top; B: Bottom; H: Height) Item No. Material Dimension(mm) Qty/Carton N.W/pc PP-90 PP 90 T×60B×80H 3150pcs 7g PP-100 100T×70B×90H 1800pcs 10g PP-120 120T×85B×105H 1000pcs 14g PP-130 … Continued
Polyester Wire Wiggle Wire and Base 1, with uv additive, long life up to 10 years2, stable between -40 degrees to 70 degrees3, high tension, good smoothness4, color: black and transparent5, Available diameters:1.8mm, 2.2mm, 2.5mm, 3.0mm 1, length of … Continued
Shade Cloth Fabric (Shadecloth): 1, 100% virgin HDPE monofilament round mesh. 2, High strength, flexibility, and durable. 3, Against ripping, tearing and fraying. 4, UV resistant and water permeable. 5, Seaming to different width and length is available. 6, Standard … Continued
Characters: 1, Anti-UV, anti-drip and anti-fog functions available 2, Long life service poly film 3, Different color with different thickness for your choices Specifications: Material: PE+EVA-3ply Available Thickness: 80micron, 100micron, 120micron, 150micron, 180micron, 200micron 0.08mm, 0.1mm, 0.12mm, 0.15mm, 0.18mm, 0.2mm
Features: 1, Light weight, durable, abrasion resistant, and easy to clean 2, Keeps out a wide range of pets and insects (Bugs, flies, aphids, and so on) 3, Reduces the need for chemical pesticide application 4, Provides improved ventilation (When … Continued
Characters: 1, Easy operation for greenhouse side or roof film open system 2, Economical and long life service 3, Packing: 10pc/carton for side film openers 5pc/carton for roof film openers Specifications: Function Max Roll-up Length Max Roll-up Height Max Torque … Continued
Auto controlled or manual controlled system for choices Mist irrigation is more suitable for propagation, while fog irrigation is suitable for plants growing Fertilization equipment is option according to your requirement
Material: PE Water prove: yes Specification: No Width Length Thickness Color GS102F 1m 1.2m 1.5m 2m any 0.02mm 0.025mm 0.03mm Black Transparent Black on White Black on Grey
Landscaping Fabric (Weed Barrier): 1, Durable woven fabric with highest UV resistant polypropylene. 2, Air and water permeable with no risk of standing water. 3, Block weeds and reduce erosion. 4, Mildew resistant with long lasting life span. 5, Widely … Continued
Material: stainless steel for cover and aluminium plate for the fan blade Function: improve the balance of temperature, humidity and CO2 inside the greenhouse Techanical Parameter: Diameter of Fan Phase Voltage Rating Frequency Power Rotate Speed Air Flow 400mm Single& … Continued
Drip tube or drip tape available Manual control or auto control irrigation system Different drip spacing according to customers requirement Firtilization equipment is optional Suitable for fruit plants such as: tomato, cucumber, eggplant
Introduction: 1, Working Principle: The principle that water evaporation cools the air is introduced to the system and has widely used in the world. The air inside is drawn out by the fan, resulting in negative press; the hot and … Continued
Specification: 1, material: polystyrene 2, flat trays and plug trays for different plants propagation 3, can be used for 8 to 10 times Availble cells for the plug trays: 50, 72, 105, 128, 200, 288


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HP Officejet 5600 series: Increase your productivity with the speed and efficiency of the HP Officejet 5610. Now you can do it all�?�¢??print, fax, copy and scan�?�¢??from this compact, versatile all-in-one solution from HP. Create professional presentations and brochures with laser-quality black text, plus optional 6-ink1 and 4800 optimized dpi color2 when you print and copy color documents. Send important faxes quickly and eliminate unwanted faxes using junk-fax barrier.3 Conveniently copy, scan and fax multiple pages with 25-sheet auto document feeder. Use glass surface to easily scan from virtually any source�?�¢??books, reports, photos and more�?�¢??at 1200 x 2400 dpi optical resolution, 48-bit color. Get the job done quickly with print and copy speeds up to 20 ppm black, up to 13 ppm color. The intuitive control panel with one-touch buttons and two-line text display make it easy to reduce or enlarge documents, scan images and more without a computer. As always, count on HP reliability for consistent performance.
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I really don't want to get annoyed but one of my boys needs another operation. He slammed his finger in a door and waited over a week to tell me. The finger is fractured, the ligament off and the bones have fused. And blah blah blah. So now they need to insert a pin.
In 2010 he tore the AC Ligament in his left knee during a warm-up race in the Cape Town Nationals (motocross) which required two operations and a full year of rehabilitation. He was back on his bike only for the fourth time in February 2011 when that same ligament snapped in half. Another long year of rehabilitation and he just got back on the bike when he breaks his finger!
In 2003 the kids were shooting with the pellet gun outside in the garden. I was there to keep an eye but somehow, this child stepped in front of the gun (with the barrel about 4cm from his head) when the gun went off. That little pellet went through his skull in three different places, all three holes clearly visible on the X-Ray. The neurosurgeon explained to me that although the bullet did not enter the brain itself, a cold bullet (such as from a air-gun) does not cauterise on its way in like a hot bullet would do, and so the chances of infection were high. Also, the fragments took with them plugs of hair which were trapped between the brain and the skull, more bugs for infection. So they cut out a round piece of skull, flushed out the cavity and cleaned around the brain before putting everything back together with pins. One of these days he will set off airport alarms.
We survived all that. I should not complain but like I said, I am somewhat annoyed. The older one also had his fair share of accidents and hospitals but never quite reached the same lofty heights as his brother.
Mothers of girls always tell me: "That's boys for you."
I suppose I better put it in my pipe and smoke it.


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Will These New Features Help Windows Phone Go Mainstream?
Nearly four years old, Windows Phone is about to get its fifth major update, one that brings functional improvements to all areas of the platform. Windows Phone 8.1 is coming, and this is why you should upgrade.
Upgrading To Windows Phone 8.1
Set for full release in mid-2014, Windows Phone 8.1 should become available via your network carrier. When available, the upgrade – which you can check for in Settings > Phone Update – will require several gigabytes (final figure still to be confirmed, but probably around 3) of free space on your phone in order to install.
Note that a pre-release developer version of Windows Phone 8.1 is currently available, but this is limited to those with developer accounts. If you followed our guide on using the Windows Phone app building tool You Need No Development Skills to Create Professional Windows Phone Apps App development on Windows Phone has been restricted to those with knowledge of programming – until now. With Windows Phone App Studio you can create your own apps – but what, exactly, can you do... Read More , you may have one of these already – if so, the update is available to you!
All Windows Phone 8 devices are compatible with the update (including the Nokia Lumia 520), although some features may be limited, based on the available hardware.
So, what's all the fuss about?
Windows Phone 8.1: Microsoft's Mobile Platform Reaches Maturity
The big expectation with Windows Phone 8.1 is that the improvements to the operating system will finally put the platform on an even keel with Android and iOS.
Rather than being an upgrade, however, Windows Phone 8.1 is more of an overhaul – think the difference between Windows Phone 8 and its predecessor Windows Phone 7 to get an idea of how comprehensive the differences are.
It's around 18 months since Windows Phone 8 was released. The introduction of Windows Phone 8.1 is part of Microsoft's previously-stated aim to stick to an 18 month upgrade cycle for the OS. Future upgrade dates are hazy at this stage, although some rumours claim that a Windows Phone 8.2/Windows Phone 9 will be released some time in 2015.
With regular updates, Microsoft can offer its users the same regular tweaks and improvements that Google and Apple deliver when they upgrade their operating systems.
What To Expect From Windows Phone 8.1
Although unavailable until June, many excellent features and improvements have been introduced in Windows Phone 8.1, such as Skype integrated into the phone dialer (at long last) and a new version of Internet Explorer. Over 100 improvements are introduced with some of the most notable listed below.
Improved Tile Sizing – Windows Phone users have been stuck with a limited selection of tile sizes since 2010, but with the new update this is expanded. An additional column of small tiles has been added, and the result is a better set of options to customize the way your phone looks.
Start Screen Backgrounds – New tiles are only part of the equation. Customization options for Windows Phone have been limited Four Ways To Customize Your Windows Phone Same old is boring! If you're getting tired of the same old lock screen, ringtone or Windows Phones' limited tile colours, it's time to take action and customize your phone. Read More but with the 8.1 update you'll be able to add your own Start screen backgrounds. The possibilities here are considerable, especially when combined with the new tile options.
Action Center – One of the key things Windows Phone 8 got wrong was the requirement to open a new screen to toggle Wi-Fi, wireless Internet, Bluetooth and other connection options. Even third party apps adding Start screen shortcuts are restricted in what they can do – rather than toggling when tapped, they take you directly to the relevant settings screen. Action Center changes that, combining quick access to toggle buttons and access to alerts and other notifications.
Bluetooth Upgraded – Bluetooth has had a slow start on Windows Phone, only managing to offer support for in-car kits since 2012. In Windows Phone 8.1, Bluetooth 4.0 LE (low energy) is introduced, offering support for heart rate monitor accessories and other health-related hardware and related apps.
Improved App Management – App management on Windows Phone 8 is quite basic, limited to installing and uninstalling. With the update applied, users will be able to install apps to an SD card, with app and game data also saved on removable storage. Apps can be set to update automatically or limited to updating over wireless networking, while the Windows Phone Store is set to get an overhaul.
Camera Revised, Burst Mode – Action shots can be tricky with any camera – Windows Phone users will benefit from a new burst mode when the upgrade is applied, enabling better capturing of action and rapid activity. The new feature also comes with an auto-delete tool, useful for ensuring your phone does not become full of burst photos! The camera user interface is also redesigned in Windows Phone 8.1.
Podcasts, Audio & Video – Various revisions have been made to the audio and video media management on Windows Phone 8.1. Along with support for hardware accelerated transcoding and media editing, Xbox Music and Xbox Video will be split into separate apps. Podcast fans will be happy to know that an improved interface is available in a new Bing-powered app for downloading and streaming your favourite shows.
Keyboard/Text Entry Updated – Back in 2010,Windows Phone 7 had a really good keyboard when compared to the competition, but Windows Phone 8 failed to build on this. Although it is possible to use the keyboard for effective text entry Type Faster On Your Windows Phone With These 5 Tips Recently switched to Windows Phone, but found it heavy going entering text into messages, emails, Facebook or even typing a URL? These five tips are here to help. Read More it has certainly fallen behind iOS and Android – BlackBerry too, for that matter Living with a BlackBerry: Lame Duck or Genuine Android Alternative? The new BlackBerry Z10 is certainly impressive – but how does using it compare with using a new Android or Windows Phone handset? I decided to find out. Read More . In Windows Phone 8.1, this is dealt with, as Microsoft introduces various enhancements including a swipe keyboard option for ultra-fast text entry.
Don't Forget Cortana!
Of all of the new features in Windows Phone 8.1, the one drawing the most attention is the speech recognition system Cortana.
Speech recognition in Windows Phone 8 is nothing new Windows Phone 8 Voice Recognition Tips and Tricks Why would you pick up your phone if you could just tell it what to do? Windows Phone 8 has several very good speech recognition options. Give laziness and productivity a boost with our tips... Read More , but Cortana is an improvement that brings Siri and Google Now levels of vocal interaction with your phone.
Capable of launching apps, making dates, calling people, searching the web, Cortana – named after the AI character in Microsoft's Halo video game series – also connects to third party apps (for instance, you might want to verbally check-in in Foursquare while it isn't delivering news and weather to your Start screen.
The implications of a quality voice search and task management system are obviously considerable, especially for business users, and Cortana is expected to be a big hit.
Look Forward To Windows 8.1 – The Most Important Update Yet!
Listed here are just some of the more notable improvements coming to Windows Phone in 2014. Each is important in its own way, and some will enthuse users more than others – for instance, improved Bluetooth support will be extremely useful for those on a health kick, but perhaps less important if you don't need to monitor your heart rate.
Start screen backgrounds and tiles aside, however, the most important improvement to arrive in Windows Phone 8.1 will be Cortana, the voice recognition search and task management tool. How it compares with Google Now and Siri remains to be seen, but first impressions are strong.
Are you looking forward to Windows Phone 8.1? Let us know your most anticipated new feature in the comments.
Related topics: Software Updater, Windows Phone, Windows Phone 8.
Affiliate Disclosure: By buying the products we recommend, you help keep the site alive. Read more.


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The one thing that has bothering me most about this election season is the complete dearth of truth coming out. Journalists have apparently decided that their job is creating click bait and they leave the fact checking to "fact check columns." I really hate to break it to them, but for crap's sake, journalism is all about fact checking. It shouldn't be left to a particular column on a website; it is every journalist's main mission. And yet, we are bombarded with ad after ad that spouts what is largely bullshit. What follows are some of the bullshit coming from the political ads I see over and over and my response. Hey; it's what I do. I'd mention some coming from Democrats, but they apparently don't need bullshit.
Republicans keep telling me the following:
That Democrats tried to kill the A-10 program. They apparently protected the A-10 from Obama's chopping block. And, because they "saved" the A-10, countless lives have been saved all over the world. What a crock.
First of all, the impetus for trying to "kill" the A-10 came from the Air Force, not Democrats. The A-10 is a 40-year-old fighter designed specifically for close air support, which means it provides support for ground troops. The impetus for replacing the A-10 was based on the fact that it has been used since the 1970s, and the Air Force wanted to retire the aircraft in favor of something more modernized. In other words, it's the same reason you're not still driving your AMC Pacer in 2016. Besides, the Air Force wasn't looking at getting rid of the A-10 now; they were intending to modify it until at least 2040. While the Republicans in Congress did restore some A-10 funding, the program has been extended to… can you guess?
In other words, if your local Republican congresscritter is telling you they saved the A-10, they're full of crap. It's still a controversial program, if for no other reason than it's old. Some of the planes are more than 40 years old and need modification, which the "restored" A-10 program plans to do, as well. The only thing they did was guarantee modifications were made to the A-10 (now the A-10C) that make it more modern, which was the plan all along.
That "Obamacare" resulted in huge cuts in Medicare.
This is an old line of crap; a Republican chestnut that is completely nuts. The Affordable Care Act actually improves Medicare, by making all healthcare more efficient and requiring results before payment. They've been pushing this nonsense since 2010. The ACA does include future reductions in Medicare spending, but all of the savings comes from hospitals and medical insurers, not cuts to beneficiaries. The $715 billion number comes from a CBO evaluation of the bill before it was passed and that number referred to SAVINGS TO Medicare, not cuts in Medicare services. How many times does this one have to be refuted over many years before someone finally gets a clue? Here are a few: (Source) (Source) (Source) (Source)
That the Iran Deal will result in the "largest sponsor or terror in the world" getting nuclear weapons.
Frankly, I think this is the Republican war mongering rearing its ugly head. President Obama, working with five other countries, was able to avert a potentially very nasty war and disarm the Iranian nuclear program without an invasion or a single shot being fired and it pissed them off. The Iran nuclear deal actually has Iran agree to turn its largest nuclear facilities into research facilities, where they will work closely with Italians. They also agreed to rebuild their largest reactor to a design approved by international experts. They also gave up almost all of their centrifuges and all of those they give up will be the more modern ones. Instead of completely dismantling Iran's nuclear program, which would have just driven it underground, the Iranians have enough of a program for energy production and the Iranians have also given the IAEA and the UN complete access to all nuclear facilities for constant inspections. Given that some estimates suggested that Iran was 12-18 months away from a nuclear weapon at the time the deal was reached and the deal goes for at least 11 years, there is plenty of time to extend. It also provides Iranians with breathing room they can use to democratize, which they can't do when they're being portrayed as part of an "axis of evil."
Democrats are "sending $55 billion" to Iran
The money that was "sent to Iran" was money that belonged to Iran in the first place. It was part of a court settlement that had little to nothing to do with the agreement. the agreement basically made it possible to send it without violating any sanctions. The money was actually owed to the country for more than 39 years; it had nothing to do with the nuclear deal or the hostages that were released as a result. (Source)
That the country is in poor shape with Obama in charge.
First of all, Obama is in charge of the Executive Branch. Republicans have controlled the legislative and judicial branches for most of the Obama years. Therefore, if the country was in bad shape right now, they would have to at least share the blame. However, while there are problems, the image the GOP is pushing – that the country is an economic hellscape – isn't the case at all. Under Obama, around 16 million jobs have been created, despite the fact that Republicans in Congress have tried everything to stymie the efforts.
Republicans have demonstrated that they don't care about the American people one little bit. They promised to create lots of jobs when trusted with Congress and they have created almost none and they have killed most bills designed by Democrats to create them. For example, President Obama greeted them with the American Jobs Act in 2011 and they proceeded to ignore it, even after Democrats broke it up into small pieces, except for one small piece for veterans, which may be the only thing positive Republicans have done for veterans over the last six years. Look at what they did with the highway bill, which creates a lot of jobs. Infrastructure is a huge job creator. However, Republicans insist on turning everything into red meat that they can throw at their "base." That means nothing gets done.
Yet, despite that, Obama has been able to work around Republicans to make sure jobs are created and to limit the effects of the Republican push to stop everything he and any other Democrat want to do. As a result, we have had the longest streak of positive job creation in history. Wages should be higher for those on the bottom, but look more closely; they are higher in blue states and cities; they're only lagging in red states. In fact, wages nationwide have been rising for the last few years and job creation in the manufacturing sector has actually been strong. So, we have two lies in one here; on the one hand, our economy is in decent shape and not at all the hellscape Republicans suggest. On the other hands, it's still weaker than it should be because Republicans keep blocking progress.
When a Republican makes a case in a political ad, always check its veracity. I'm in Arizona right now, which is actually a battleground this year, and the lies are flying around hot and heavy. One thing I have noticed is that Republicans don't say which party they belong to, but Democrats do. That says a lot… a whole lot


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If you need to file your end of your taxes to the government, or, you need to share all of your invoices with your accountant, or if you just want to do some reporting of your own, Invoice Simple can export a spreadsheet.
- Android: Go into the app settings, and press Export as spread sheet
- iOS: Go into Settings, and press Export
The exported file is in CSV (comma separated values) format, and can be opened in any spreadsheet app including Google Sheets, Microsoft Excel and Apple Numbers.
Useful links
- How to open a CSV file
- How to open a CSV file in Microsoft Excel
- How to open a CSV file in Google Sheets


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Research Project
Grant-in-Aid for General Scientific Research (C)
In Japan, research towards introducing limit state concepts into the design codes is being carried out, including research concerning pile foundations. Lateral loading tests on single piles and pile groups have been executed by several organizations and the large deformation behavior of pile foundations has been clarified.In this study, an analysis method for accurately simulating the horizontal behavior of pile foundations is proposed. The nonlinear characteristics of both the ground and the pile are taken into account in the analysis of a single pile with large horizontal deformation. The P-Y Method of DNV is applied to consider the characteristics of the ground, which is modeled by a distribution of Winkler-type springs connected to the pile; the M-phi relation of the pile is assumed to be either bilinear or trilinear. Pile lateral displacements predicted by the analysis method agree quite well with experimental results obtained by other researchers. Bending moments and subgrade rea
… More
ctions are also predicted fairly well.For the pile group analysis, it is also necessary to consider the effect of interaction between each pile. For this purpose, it is assumed that the displacement of a pile group can be divided into two components: 1) the displacement due to ground plasticity without the interaction of piles, and 2) the displacement due to the interaction of piles in elastic ground. The former is calculated by the P-Y Curve Method and the latter by using Randolph's Equation in which the soil is assumed to be an elastic continuum. Straightforward application of this method underestimates the pile group lateral displacement because load-allotment within the pile group is not considered. To consider this factor, the shear modulus of the soil is reduced with increasing lateral load. As the actual procedure is complicated, simple relations for reducing the shear modulus are proposed. Lateral pile group displacements from this method (using modified shear modulii) agree quite well with experimental values. Reasonable results are also obtained for pile bending moments and subgrade reactions. Less
Published: 1991-03-31
Modified: 2016-04-21
User Guide
Terms of Use
Attribution of KAKENHI


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If you watched the season premiere of Man Men on AMC this last Sunday, you were a guest at the party of the season as Don Draper turned "40". That was one humdinger of a party scene!
In stark contrast to the lavish, sinful Madison Ave shindig thrown for Don by his young, hip wife, Megan, my Mad Men premiere house party could only be likened to the suburban housewife party of the mid-sixties. I spent days channeling my inner Betty Draper – polishing all the silver, and collecting the crystal and then hours in the kitchen preparing home-made party snacks. I would describe my party as cozy, classy and intimate (since I found it very difficult to get people out on a Sunday night.)
I never saw any food as the TV party unfolded on the screen – in my opinion, it might serve them well to get a bit of something to line their bellies and ward off the effects of the copious amounts of alcohol they (regularly!) consume on the show – maybe that's all they need to become happier, healthier, functioning people – but then, I guess, they wouldn't be the miserable characters we love to watch. Right? 🙂
With a Mad Men color scheme of red, black and white, I served up a buffet of classic comfort food appetizers all in crystal and silver vessels with the backdrop of a vintage, white-on-white, checker-board table-cloth.
My menu:
- Little beef smokies (cocktail sausages) wrapped in crescent rolls
- Easy stuffed mushrooms
- Bite-sized modern wedge salad
- Classic deviled eggs
- Bacon wrapped asparagus (I found this great recipe here on AllRecipes.com)
- Sweet & sour meatballs – I will post the recipe for these soon!
- Chips & dips
- Individual shrimp cocktail cups
- And this fabulous chocolate fondue for dessert – with mini cream puffs, pretzels, marshmallows, pound cake and strawberries for dipping
Ironically, with all the cooking I did, my (throw-together-in-five-minutes) chips and dips with Lipton Onion soup mix seemed to be the most popular "dish" on the table. One of my party guests even mused how it took her back to her childhood, "When the Lipton Onion Soup Dip came out, it meant it was truly a party!" I guess that's a compliment – after all isn't the definition of comfort food that it reminds you of home and childhood? Mission accomplished!
For simple table decorations I placed a full bouquet of red carnations – all the rage back in the sixties – in a glass bowl I found at the dollar store along with red votives in two smaller matching globe candle holders – they didn't have tea lights back then!
I made little menu labels on the computer with red and black words in a Mad Men-esque font and glued them to folded, red card-stock.
These cocktail-like cups worked well for the shrimp cocktail, though I entertained the idea of using disposable champagne glasses – those would work well too!
For other decor, I found old ads online, printed them out and put in frames I had picked up at the dollar store. I sprinkled around some cocktail paraphernalia and candy cigarettes in ashtrays that I found at the thrift store.
These mini cocktail shakers I found at the party store made nice favors for my guests at the end of the evening – along with the party pack goodies and a pack of candy cigarettes each.
The bar turned out cute with this tray for glasses – I lined up all different types of cocktail glasses in which to serve my guests' drinks of choice.
Using the AMC Mad Men cocktail guide, I was prepared to mix up the likes of the whiskey sour, Manhattan, old-fashioned and the classic martini. And of course I also stocked the bar with ice, cherries, citrus slices, olives – AND tons of booze!
Again – lots of silver and glass!
The party turned out even better than I could have expected but I was just a little sad that I didn't get any photos of my guests in their costumes. Everyone dressed up! But once they arrived I was so busy playing the perfect hostess and making sure they all had food and drinks. Betty would have been proud!
Though there was no sexy, French, burlesque, go-go singer at my party, I think we did just fine. 🙂
You can catch the rest of the season of Mad Men Sunday nights on AMC at 10pm. What was your favorite scene from Sunday night's premiere?
This post is linked up! Check out the fun link party:


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Woody Allen – Shock Discovery
Meant to post this before, but got a bit caught up with the whole Time Out thing.
Went up to Hackney the other day to see my old pal, Wilf.
This is Wilf:
Known Wilf for years. Sadly Wilf forgets rather alot these days, and largely lives off his own shit. Back in the day though, Wilf was quite something. Bit of a celebrity in fact. Some say Wilf was the inspiration for Pigeon Street, but I'm not sure about that. He was certainly widely recognised as a one of London's finest mime pigeons.
Anyway, there we were chatting away when Wilf only goes and drops the biggest bombshell. Knocked my fucking block off. You know the whole 'rats with wings' concept? It was only Woody Allen who invented it. Jesus. The Woody Allen. The dry witted comedy genius, Woody Allen. Gutted. I was a big fan of Mr Allen, till now.
Apparently he wrote it into the script for some movie he made back in 1980. One I'd never heard of called Stardust Memories.
Mr Allen – I hate to say this, but I now hold you personally responsible for the decades of persecution caused by the invention of what, as I have posted about before, is a totally unjustified racialist slur.
Mr Allen – this one's for you:
Suck my arse.
6 Comments
I secont that. Well said Brian!


text: March 14, 2016, Adrian, Michigan – Do you often find yourself stressed out and angry about the situation in our world today – or your own situation? A regular practice of meditation and mindfulness can help us soften our hearts through greater knowledge of our own suffering and darkness. Sister Esther Kennedy, OP, offers a monthly Day of Contemplative Prayer – Mindfulness and Meditation. The next session will be held from 10:00 a.m. to 2:30 p.m. Saturday, March 19 at Weber Retreat and Conference Center. The $35 cost includes lunch. Learn more about the program and register here.


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Capitalize on Urban Farming
If we're going to feed 9 billion people, we need to grow food in more places. Urban farming takes advantage of unused and blighted urban areas to grow food. With more than half of the world population now living in urban areas, it makes sense to start growing food where more and more people are living [source: Southern Innovator].
In Cuba, for example, urban farming has transformed city areas, creating jobs, and producing most of the vegetables that the people in its cities consume [source: Southern Innovator]. Cities like Havana saw an explosion in urban farming in the '90s, when the collapse of the Soviet Union made fuel prohibitively expensive. People in Havana had to stop relying on food from far-off farms and growing food in the city where they lived. Today, urban farmers cultivate almost 90,000 acres (35,000 hectares) of vegetables in Havana alone [source: Koont].
In the U.S., Detroit is seeing an urban farming renaissance. As the city's economy has declined, there have been more and more vacant lots and abandoned properties. Detroit urbanites are transforming those blighted areas into thriving city farms to feed themselves and poor people in the city [source: McIntire-Strasburg].
Not all cities have huge expanses of vacant land, and that's where vertical farming comes in. Vertical farming refers to growing food on rooftops and even on walls, using vertical space to grow more food with less acreage. In Vancouver, Alterrus Systems is converting a parking garage into a lettuce farm, for example [source: Fong].
Urban farming is often small-scale, so it can help us produce more food, but needs massive buy-in from city-dwellers to make a larger impact. Not all cities make urban farming easy, either. In Drummond, Quebec, a new ordnance decrees that only 30 percent of a garden can be given over to vegetables [source: Grist].


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We'll admit that when we first heard about Will Ferrell's Spanish-language movie, we were less than enthused. The whole thing reeked of vanity project. But with the addition of "Y Tu Mama, Tambien" co-stars Gael Garcia Bernal and Diego Luna to the cast, we're having second thoughts.
"Casa de Mi Padre," to be directed by Matt Piedmont ("The Carpet Brothers," "The Joe Buck Show"), will star Ferrell "in an overly dramatic telenovela style and feature English subtitles," according to The Hollywood Reporter.
Luna will play Ferrell's brother, Garcia Bernal will be a family friend, and Genesis Rodriguez, a real-life telenovela star, will play his love interest.
U.S. & World
The film will be produced by Ferrell's Gary Sanchez Productions, which he co-founded with director Adam McKay. Sanchez has already one hit this year in "The Other Guys," "The Virginity Hit" has a chance to be a stealth hit and/or college circuit favorite and they're close to casting Jeremy Renner and Noomi Rapace in the action-comedy "Hansel and Gretel: With Hunters."
Ferrell appears to be getting his mojo back following a few lean years. "The Other Guys" was much funnier than we'd expected, our hopes are very high for "Everything Must Go," co-starring Rebecca Hall and based on a Raymond Carver story and the new "Megamind" trailer that came out today has us thinking maybe that movie won't be a bust after all.


text: Party In The Stockings- X Small Christmas Sweater Berek filled stockings filled with glitz and glamour all around this ugly Christmas sweater. Chest= 34" Length= 24". Remember, each ugly sweater is one of a kind! For info on how we size our sweaters, check here. For info on how we size our suits, check here.


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PA Parks & Forests Foundation Announces 2016 Award Winners
The PA Parks and Forests Foundation Friday announced the winners of its 2016 annual awards. And the winners are--
-- Cliff Jones Keystone Legacy Award: Rob Wonderling
-- Joseph Ibberson Government Award: DCNR's Penn Nursery, Centre County
-- President's Award: Greenwood Furnace State Park Complex, Huntingdon County
-- Park of the Year Award: Gifford Pinchot State Park, York County
-- Forest of the Year: Tuscarora State Forest, Cumberland, Franklin, Huntingdon, Juniata, Mifflin, and Perry counties
-- Volunteerism--
-- Education: Pam Karhan, Cherry Springs State Park, Potter County
-- Improvement: Ridge Runners, Laurel Highlands Hiking Trail, Fayette to Cambria counties
-- Individual: Stephen Smetana, Nescopeck State Park, Luzerne County
-- Group: Save Our Native Species (SONS) of Lake Erie, Presque Isle State Park
-- Young Volunteer: Zachary Jones, Gouldsboro State Park, York County
The award winners will be recognized at a special banquet May 11 at the West Shore Country Club in Harrisburg.
For more information on programs, initiatives, special events and how you can get involved, visit the PA Parks and Forests Foundation website. Click Here to sign up for regular updates from the Foundation, follow them on Twitter, like them on Facebook, or follow the Foundation on Pinterest.
How To Help Give Back To Philadelphia's Outdoors
Lebanon Plans Playground Revitalization Project
4 Tobyhanna State Park Employees Charged With Forging Documents
(Reprinted from the Jan. 15 Take Five from the Foundation.)
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My Life in Swatches: Strawberry Jam
Back when I bought Red Vibration, I had been trying to decide between it and Strawberry Jam. A couple of months later, when I found myself at the Swatch store again, I splurged and got Strawberry Jam. I bought it the same day as I bought my Heracles automatic. The gadget appeal of the Heracles has won out whenever I choose a watch, so I have only worn this one about two or three times.
I'm sure this watch will get its day in the sun, but right now, it is still nearly pristine.
I've been reluctant to wear it because I'm worried about ruining the band, but Squiggly has new bands for Strawberry Jam, so I'm going to throw caution to the wind and wear it whenever I want.


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John Lydon
The Best of British £1 Notes (Virgin/EMI)
With a voice capable only of a petulant whine or an irascible caterwaul, Lydon stretched a thin talent a long way. The supercharged pub rock of the Sex Pistols proved too limited for his idiosyncratic charisma, so when the group imploded Lydon seized the opportunity to redraw his sonic blueprint completely. Combining diverse influences such as reggae and Van Der Graaf Generator with his misanthropic wit resulted in some of post-punk's most avant and distinctive music, and led Lydon to collaborate with two of dance's greatest innovators — Afrika Bambaataa and Leftfield.
The Best of British £1 Notes appears in one and two-CD formats (and on DVD), but the former's non-chronological overview does Lydon few favours by offering


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Planning and executing activities and trips for the members to enjoy their naturist lifestyle in Thailand is one of the key services that we offer our members. To read this information you need to sign up as a Member. To join events, you need to be a Paid member (900 THB per year) or Premium member (1500 THB per year).
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I doubt this post will have much use to anyone outside of my Cultural Studies Ph.D. program, but feel free to continue reading if you are not enrolled (you may be bored).
Below I have posted my two field proposals: "Mass Culture and Urban Space" and "Contemporary Theories of Sexuality." Upon reading the proposals you will see how different they are. Dr. Tim Gibson, the chair of my "MC and US" field, wanted me to state what direction I was going and how it was a coherent field. Dr. Tim Kaposy preferred a more open-ended proposal where I raised more questions than answers. He was concerned with what I wanted to learn from the texts.
I have finished writing a rough draft of "Mass Culture and Urban Space," so the bibliography following the proposal is complete. "Contemporary Theories of Sexuality" is being written, so the bibliography is incomplete and more likely than not, going to change.
I hope this helps. If you have any questions or comments, please feel free to contact me.
Mass Culture and Urban Space Field Proposal


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Build the wall
To the editor:
It has become obvious that being elected to public office is not the forerunner to having brain-power. When I hear that foreigners pour across our southern border, all breaking the law, some carrying drugs, others dangerous weapons, and many trafficking young girls being prepared for prostitution, I can't help thinking about our Washington wackos who say "we don't need a wall."
Experts, along with on-the-job officers, tell us that a wall will serve to substantially improve border security and provide for additional safety for American citizens.
Babblers, those that talk incessantly and do nothing, have the unmitigated gall to ignore those fighting for our security and insist that the wall is unnecessary.
Thank God for President Trump.
And make no mistake about it, having the title U.S. Senator or member of the House of Representative does not mean that one is not stupid or un-American. Actions supersede titles every time.
The bottom line here is obvious: Elected officials who rail against a border wall are drunk, on drugs, just plain brainless – or all three.
Cape Coral


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Justice League
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Hello from the BT Sport studio!
You may have noticed that it's been a while since my last post. My good intentions of doing a post a day during December didn't go so well… oops never mind.
As it's too late to do a December post now, for that matter it's a bit late for January and February, I'll just get on and start talking rugby.


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MIAMI – The Miami Dolphins season came to a painful ending on Sunday.
The Jets beat the Dolphins 20-7.
RELATED: Professor Will's report card | Vic's Picks: 'It should have been so easy'
The Dolphins finish the season 8-8, having lost their final two games.
The Dolphins got on the scoreboard first.
In the second quarter, Ryan Tannehill hit Mike Wallace for a 5-yard touchdown to give New York a 7-0 lead.
The Jets responded later in the quarter.
Defensive lineman Sheldon Richardson punched in a 1-yard touchdown run to tie the game at 7.
Later in the second, former Miramar star Geno Smith ran for a 7-yard touchdown.
The Jets QB gave New York a 14-7 lead.
In the third quarter, the Dolphins had a long drive going.
That's when Ryan Tannehill was intercepted by Dee Milliner.
The Jets gave the Dolphins life early in the 4th quarter when Nick Folk missed a 35-yard field goal.
However, the Dolphins couldn't take advantage.
Later in the 4th, Folk connected on a 35-yard field goal to extend New York's lead to 17-7.
Tannehill tried to lead a Dolphins comeback.
Instead, a pass of his was tipped and intercepted by Ed Reed.
Folk added another field goal to give the Jets a 20-7 lead.
Tannehill added a third interception with under two minutes to go.
The Dolphins QB was picked off by Milliner again while trying to connect with Mike Wallace.
Miami ends the season with consecutive losses to division rivals, the Jets and the Bills.


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After hiking and having lunch with my friends, I headed to Kitsilano to meet another friend at last minute, because we needed to buy some baby shower gifts for our common friend. We walked probably for a couple of hours, back and forth on 4th Avenue. It was a hot day, which also drained our energy.
When you tried to find something, you can't find it, can you? We were looking for a place to sit down like a café, but all we saw were restaurants! We kept walking towards Granville Island, and we decided to go here. Cafe Bica is close to the entrance of Granville Island.
We ordered from their drink menu and showcase.
Strawberry Danish
A bottle of Lemonade
My hungry and thirsty friend had these and seemed quite satisfied. 🙂
Café Latte
Compared to Granville Island, you can have a relaxing time here. 🙂
(All pictures taken by iPhone)
Want to see more pictures for this cafe? click here.
Address: 1809 Fir Street, Vancouver, B.C. (map)
(Between West 2nd and 3rd Avenue, close to Granville Island)
Facebook: page
Twitter: @cafebica
Urbanspoon: page
[Mon – Fri] 7:30 – 18:00
[Sat] 9:00 – 17:00
[Sun] 10:00 – 17:00
Price Note
– Strawberry Danish Unknown
– A bottle of Lemonade Unknown
– Café Latte $3.35