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Land vs Cruise: Exploring the Galapagos Islands
There are many ways to explore the unique archipelago of the Galapagos Islands. The destination
Explore further and see what historic vacation opportunities we feature throughout Europe.
From outdoor adventures to relaxing beaches, Central & South America offers it all.
Seek out unique cultural experiences and delicious delicacies throughout Asia.
There are many ways to explore the unique archipelago of the Galapagos Islands. The destination
The Galapagos is everything I ever thought it would be and more. If you missed the first two
I was ecstatic to explore the Galapagos Islands for the first time this past month. Famous for
It's an exciting time at Avanti Destinations with the release of the new look 2018-19 Central &
Few experiences in my life have been so visually stunning as my trip to Patagonia. The massive
Costa Rica is full of boundless wonders and thrilling adventures from the bio-diverse Caribbean
I've had the great fortune of traveling to Peru on many occasions and making great Peruvian


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Home of Rhett & Link fans - the Mythical Beasts!
If you have any lyrics to R&L songs, Comment them on here, along with a title to the song (obviously)
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You might also enjoy these variations on R&L songs . . .
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SMSF Frequently Asked Questions (FAQ) and Glossary section is a good place to start learning about DIY Superannuation. Another good reference site for any SMSF question is the Australian Taxation Office website www.ato.gov.au/super, where one can find a wealth of useful information.
Please find below the frequently asked questions and answers collected over the years from our clients:
What is an SMSF or Do-It-Yourself (DIY) superannuation fund? DIY superannuation fund is an informal name for a Self-Managed Superannuation Fund (SMSF). Self Managed Super Fund is a superannuation fund that is regulated by the Australian Taxation Office (ATO) and all members of the fund must be trustees of the fund. There are exceptions to this rule, such as, a member who is a minor, or, one who is under legal disability. In such cases, regulatory provisions state that a member of the SMSF cannot be the trustee of the fund.
What is the definition of an SMSF Member? A member is a person who has contributions made for them or who receives benefits from the fund. In retirement, a member has the option of receiving either lump-sum payment or a pension, or a combination of both.
What is the definition of an SMSF Trustee? A trustee is a person or a legal entity (corporate trustee) responsible for ensuring the fund is properly managed as set out under the Superannuation Industry Supervision Act 1993 (SIS) and all other relevant laws are observed. A SMSF can also have a company as a trustee if each director of the company is a member of the fund. Note: anyone over the age of 18 can be a trustee of a superannuation fund unless they are a "disqualified person" under SISA. An individual is a "disqualified person" if: at any time, the person was convicted of an offense involving dishonesty; or at any time, the person has been subject to a civil penalty order under SISA; or the person is an insolvent under administration (e.g. an undischarged bankrupt). Please notify your service provider before you establish your fund if any applicant for the membership of the fund is a "disqualified person"! For more information about the company as a corporate trustee CLICK HERE
How many different types of SMSF are there? There are two types of regulated SMSFs. The most common type is usually called "More Than One Member Fund" or "Multiple Member Fund", with a corporate or non-corporate trustee; the other being a "Single Member Fund", again with a corporate or non-corporate trustee.
What is the definition of "More Than One Member Fund" or "Multiple Member Fund"? This fund type has more than one, and up to four, members. Each individual trustee of the fund is a fund member and each member of the fund is a trustee, unless the fund has a corporate trustee and members are directors. Members of the fund cannot be employees of other members, unless they are related. Trustees of the fund cannot receive remuneration for their services as trustees.
What is the definition of "Single Member Fund"? This fund type has only one member. The member must be the trustee of the fund and the fund must have another individual or a legal entity as a second trustee. That second trustee cannot be a member of the fund. If the second trustee is an individual (rather than a company), that person must be a relative of the member, or, alternatively, can be any other person provided the member is not an employee of that person. If the second trustee is a company, the member must:
Should we have a Corporate Trustee for our SMSF? Some of the benefits of having a Corporate Trustee for the fund are:
My wife and me are planning to start our own SMSF. Are we able to have a joint superannuation fund together? Yes, you can have a joint superannuation fund, i.e. Multiple Member Fund.
What are the advantages of an SMSF?
Is establishment of a SMSF a tax-deductible expense (payable by the superannuation fund)? No, establishment of an SMSF is an expense of a capital nature!
Is administration, including audit and tax return of an SMSF a tax-deductible expense (payable by the superannuation fund)? Yes.
Can I add members after the fund is already setup? Or do they have to be named when you setup the fund? You can add members after the fund is setup, however, the fund must have less than five members in total.
Does an SMSF operate like a regular super fund except that I have more control? SMSF operates exactly as any other super fund, but you have 100% control over it, i.e. you as the Trustee are responsible for how the fund operates, how the money invested, types of investments etc.
Do I have to operate a company or small business before I can setup my SMSF? No.
Does SMSF have to be resident in Australia? Resident SMSF receives concessional tax treatment (maximum tax payable on earning is 15%). A non-resident fund is subject to 47% tax on the fund assets.
What can my SMSF invest in?
The legislation does not state exact types of investment in which a SMSF can invest. Some investment practices are restricted, the aim being to protect the assets against overexposure to undue risk. The main purpose of the investment is to generate and grow retirement benefits for the members.
Please note restrictions on investments:
Trustees of SMSFs must keep money and other assets of the superannuation fund separate from their own personal assets. Similarly, the assets of the superannuation fund must also be kept separate from those belonging to a business (e.g. a business run by two partners who decide to setup an SMSF).
Money belonging to the fund must not, under any circumstance, be used for personal or business purposes. This money is for retirement purposes and generally cannot be accessed until retirement. The fund's assets must not be viewed as a form of credit or emergency reserve when faced with a sudden need.
What is the "sole purpose test"? The sole purpose test means that a super fund must be maintained solely for at least one of the core purposes such as:
A breach of the sole purpose test may results in the fund becoming a non-complying super fund for taxation and Superannuation Guarantee purposes and could lead to significant penalties being applied to the person who contravenes it.
What are Trustees' Administrative Obligations? Trustees are responsible for:
How can SuperEasy® help with Trustees' Administrative Obligations? SuperEasy® can assist the SMSF in meeting Annual administration requirements set forth by the ATO and specifically includes Special Purpose Financial Statements, including:
Please note that all work is carried out by experienced, superannuation specialists in Australia and is fully covered by the appropriate Australia professional indemnity insurance.
What is included in your offer of $345 to establish an SMSF? $345, including GST, is the cost of the Trust Deed. You will also get complimentary (free of charge) The Establishment Kit that includes everything that you will need to setup and establish your Self Managed Super Fund (Trust Deed, Notice of Consent to Act as a Trustee Form, the ATO forms, instructions on how to fill in forms, checklist), plus an additional set of documentation produced by SuperEasy® to assist you with some of the daily tasks associated with running the fund, eg. Sample Generic Investment Strategy form, Binding Death Benefit Beneficiary Kit, etc.
What is the benefit in selecting your offer of $1,645 for the Establishment and first end of year administration of an SMSF? An up front saving of $195, off the combined cost for the fund setup and administration when they are purchased separately. $1,645 is the cost of setting up the fund and the first end of year administration of the fund. This includes everything as explained in the $345 fund establishment product, plus a fixed fee cost for the end of year administration of the fund (based on up to 15 different investments with an unlimited number of transactions for the period). The end of year administration includes: Tax Return and Audit of the Fund, preparation of the Operating Statements, Statement of Financial Position, Notes to Accounts, Member's Statements, Minutes to Trustee's Meetings, Superannuation Contributions Surcharge Forms.
Can I start the process of establishing my super fund in this financial year, and execute my deed with the Commencement Date of the Deed in the next financial year, but transfer or rollover the money into the fund in this financial year? No.
If I establish my super fund in this financial year and if my fund does not have any transaction in this financial year, do I still have to organise end of year administration, including an audit and tax return? Yes.
Can my SMSF borrow and use the borrowed money to acquire investment assets? Yes, via Limited Recourse Borrowing Arrangements.
What is Limited Recourse Borrowing Arrangement (LRBA)? Generally, subject to limited exceptions allowed under the Superannuation Industry (Supervision) Act 1993 (SISA) Self Managed Superannuation Funds (SMSFs) are prohibited from borrowing money. In September 2007 SISA was changed to allow SMSFs to invest in certain limited recourse borrowing arrangements via borrowing money to acquire a permitted single asset, or a collection of identical assets, having the same market value (that are together treated as a single asset), which the fund is not otherwise prohibited from acquiring . For detailed information CLICK HERE
Can I have my superannuation monies in more than one fund such as an SMSF, in some other types of a fund? Yes. You can spread your superannuation between funds of your choosing.
Can SMSF invest in share market and derivatives? Yes, subject to certain conditions.
Can SMSF invest in real estate? Yes, subject to certain conditions.
Can my SMSF pay an Account Based Pension? Yes.
Can SMSF buy shares on the NASDAQ in the USA or any other overseas market? If so are there any additional fees for international trading? Yes, SMSF can buy shares on the NASDAQ in the USA or any other overseas market. Because of the additional complexities involved in calculation of tax in Australia in AUS dollars or any other currencies, and additional audit required of your super fund for such trading, SuperEasy® charges an additional fee on its base cost.
Does SMSF have to have an Investment Strategy? Yes. The SIS legislation requires funds to have an investment strategy. There is no prescribed format for an investment strategy, and strategy will vary from fund to fund based on, but not limited, the following:
The investment strategy must be in writing and should be reviewed at least annually, or when investment opportunities available to the fund are inconsistent to the fund's investment strategy.
How long does it take to setup an SMSF? Using our online process we can deliver a Trust Deed within a few hours and you can execute the deed within one business day. After you fill out the application for the setup of your SMSF on our site www.supereasy.com.au, and, once we receive confirmation for your payment, you will receive an e-mail from us with the attached soft copies of documents:
You can print the electronic copies and execute the trust deed that same day. Confirmation of payment takes only a few hours if you submit your payment using our Secure Internet Payment System. If you choose the offline payment methods, it can take up to five working days for the confirmation of payment. SuperEasy® will subsequently supply all the required hardcopy documents for the application via Australia Post "Express POST" Next Day Delivery; these include:
After you receive these documents, you will have to fill in the ATO application to get the Tax file number for the fund, and an ABN number. It may take between 3-4 weeks for the ATO to process your application. Please note that you have to send this application to the ATO within 60 days after the establishment of the fund!
This depends entirely on how actively you wish to trade your investments.
What kind of contributions can be made to the SMSF?
When opening a bank account for my SMSF, does it have to be with a bank or can it be a building society? You can open an account with any Australian registered financial institution, providing you can receive/transfer payments to and from the account. A cheque account is the most common account type for this purpose, but with the advent of full electronic funds transfer facilities, even a cheque book may not be required. If this is the case, just make sure that you can access your super fund account electronically. Please note, that the nominated account has to be in the name of your superannuation fund.
Who is SuperEasy®, are they backed by anyone e.g. NAB? I'm worried if they are another company like HIH, One Tel etc. This is my life savings. Please tell me.
SuperEasy® is an independent non-advisory company owned by its founders. The advantage of Self Managed Super Funds as opposed to other funds, is that the control of your assets remains with you. SuperEasy® is involved only with the setup of the fund and the end of year administration, which includes the preparation of the accounts and end of year tax return and all other requirements set forth by the ATO.
Running a SMSF means full flexibility, control and ownership of your fund, but as a consequence brings full accountability and responsibility for the fund.
What is salary sacrifice? Salary sacrifice is when your super contribution is taken out of your salary before income tax is deducted at your marginal tax rate. This reduces your taxable income, usually resulting in lower income tax overall.
Is there any organisation or association that represents the interests of Self Managed Superannuation Funds and its trustees? SMSF Owners' Alliance Limited (SMSFOA) is a not-for-profit public company established to represent the interests of Self Managed Superannuation funds. Its membership is strictly limited to the trustees of SMSFs. The company is not aligned or associated with any commercial entities, making it unique and giving it a specialty profile. SMSFOA seeks to ensure the Government policy towards SMSFs, including taxation, does not discriminate against SMSFs but rather recognises and encourages their important role, with the emphasis on the creation of economic wealth and development of a sustainable retirement system in Australia. The SMSFOA research and advocacy is provided by its directors, and is on a pro-bono basis. This ethical approach makes an excellent platform for achieving the main goal for all Australians, in becoming self-sufficient in retirement and also assuming the full responsibility for the cost of their retirement. To find out more about the SMSFOA visit their web site: www.smsfoa.org.au.
Is SuperEasy® on social media? Yes, Facebook visit SuperEasy on Facebook and LinkedIn SuperEasy on LinkedIn.
What are steps for closure of the Self-Managed Superannuation Fund? For detailed information CLICK HERE
For further detailed information on Regulated Self managed Superannuation Funds, please CLICK HERE to visit the Australian Taxation Office Website.
Adviser - a person who provides financial product advice to retail clients and is a representative of an AFSL licensee.
Administrator - a person or company responsible for the day-to-day operation of the superannuation fund and for the preparation of member statements, benefit payments, income tax returns, audits, lodgement of forms and daily operations.
AFSL - an Australian Financial Services Licence granted by ASIC under s913B of the Corporations Act 2001 that authorises a person who carries out a financial services business to provide financial services.
All-Ordinaries Index - the barometer of the Australian Stock Exchange, this measures the share-price movements of more than 300 Australian companies. The index is calculated continuously and published daily.
Account Based Pension (also known as an allocated pension) - is a type of pension where the amount of money is set aside and invested to provide an income to its members on retirement when they reach preservation age.
Annual Audit - all SMSFs are required to have the financial accounts and statements of the fund audited each year by an approved auditor.
Approved Deposit Fund - a fund carrying specific tax advantages, designed to accommodate sums of money, which would otherwise be taxed at higher rates, such as accumulated superannuation benefits paid to someone leaving a job. Approved deposit funds (ADF) can only accept eligible termination payments. Their purpose is to encourage people to preserve their savings to provide income for retirement.
At call - funds that can be withdrawn on demand.
Australian Business Number - the Australian Business Number (ABN) is a new single identifier for all business dealings with the Australian Taxation Office (ATO) and for future dealings with other government departments and agencies. Businesses will need an ABN to register for the goods and services tax and other elements of the Tax System. They can register for all of these on the same form.
Balanced Fund - a fund or portfolio that invests in all major asset classes, ie. cash, fixed interest, real estate property and shares, local and overseas, to provide long-term capital growth and a reasonable level of return.
Business Real Property - is land and buildings used wholly and exclusively in a business.
Capital Gains Tax (CGT) - a tax on the income resulting from increases in the market value of an asset.
Capital Guaranteed Fund - an investment fund, offered by life offices, which promises the investor will be repaid the full capital value of his or her investment.
Capital Stable Fund - a pooled investment fund with most of its assets in fixed interest and cash and the rest in growth assets such as shares and real estate property. The objective is to achieve a moderate level of income and some capital growth.
Cash Management Fund/Trust - a type of fund or trust that pools investors' money into high-yielding money market instruments otherwise available only to professional investors with hundreds of thousands of dollars.
Company - a company acting as trustee is referred to as a "corporate trustee". If a company acts as trustee, the fund can pay a lump sum benefit to beneficiaries. The directors of the trustee company, should have a family relationship with each other, and not be related by purely being employees.
Company Name - the company may have any name that is currently not being used by another company or business. The chosen name is registered with the company regulators, and, two more alternative names should be provided in the event that the first choice is not available.
Complying Pension - is a pension that provides that the pension is paid for life or a fixed term and meets specified conditions under regulations.
Consumer Price Index (CPI) - compiled by the Australian Bureau of Statistics, this measures movements in a list of goods and services to provide a widely used indicator of the rate of change in prices (inflation).
Directors - a company must have one or more persons to act as a director. Directors are responsible for the operations of the company. The directors of a trustee company are treated similarly to individuals who act as trustees. The directors should be members or have a business or family relationship with members. They should give their consent to act as directors.
Dividend Imputation - a tax-accounting treatment which removes the "double" taxation of company dividends in Australia. Dividends distributed by a company that has paid full Australian company tax carry a tax credit which may be offset against the shareholder's tax liability on the dividend or, if the shareholder's marginal tax rate is less than the company tax rate, the excess credit can be offset against tax payable on other income.
Earnings Per Share (EPS) - calculated by dividing a company's earnings by the number of its shares on issue to show the profit earned in terms of each share; this is one of several measures of a company's performance.
Employee - a person is classified as being employed if he/she works for more than 10 hours a week under a direction of another person in return for a wage or salary.
Fiscal Policy - an arm of government policy that influences the economy through the budget by changes in tax and welfare payments and government spending.
Full Vesting - full vesting is the most common option for the fund members, meaning that the member is entitled to the full benefit of superannuation funds in his/her name. The superannuation guarantee legislation requires that full vesting occur for superannuation guarantee contributions.
Fund Name - you may choose whatever name you prefer for your self-managed superannuation fund as long as it's not a registred brand name.
Legal Representative - or Legal Personal Representative, is a trustee in place of a member who is under a legal disability.
Loan to Value Ratio (LVR) - refers to the maximum amount lenders will approve against the value of any property taken as security for your home loan. For example if you wish to purchase a property worth $300,000 the lender may approve a loan for 70% of the property value. It will then be up to you to provide the remaining 30% plus costs (mortgage registration and stamp duty etc).
Lump Sum Fund - this fund provides for the benefits to be payable to a member, to be taken as a single lump sum payment. This option is only normally available if the trustee is a company or corporate trustee.
Member - a person who has contributions made for them or who receives benefits from the fund. In retirement, a member has the option of receiving either lump-sum payment or a pension, or a combination of both.
Password - the password is a chosen word by you and should be kept secret. It should be treated the same as your PIN number.
Pension Fund - a pension fund provides retirement benefits in the form of pensions or regular payments rather than a single payment.
Principal place of business - this is the place where the business will be conducted. This can be either a home or office address.
Rollover - a benefit transferred or rolled over from one superannuation fund to another.
Shares - part of the ownership of the company. An investor buying a portion of a company's capital becomes a shareholder in that company and receives a share of the company's profits in the form of an annual dividend.
SIS Act - Superannuation Industry (Supervision) Act 1993 is the legislation governing the operations of SMSF trustees.
Sole Purpose Test - the object of the Sole Purpose Test is to ensure that SMSFs are complying with their purpose of providing benefits to fund members upon their retirement.
Statement of Advice (SoA) - a Statement of Advice must be provided when personal advice is given to retail clients. It must state the advice that is given and be provided as soon as possible. This must be done before any service in relation to the advice is provided.
Supervisory Levy - SMSFs must pay the annual levy to the ATO with lodgement of the annual return.
Trust Deed - a document that lays down the rules within which a trust must operate, dictates its investment guidelines and describes how benefits will accrue to the beneficiaries under the trust.
Trustee - a person or company that has legal responsibility for financial aspects (receipts, disbursements and investment) of funds.
Unit Trust - an investment facility that enables small investor's to pool their funds and earn a greater return than if each had acted individually. The investors buy units that may fluctuate in value in line with the market performance of the underlying assets. Common types of unit trusts are cash management, equity, real estate property and fixed interest trusts.


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I need Baseball season to start asap. Being that less than 24 hours into March Madness and one of my final four team is already out. With no shot of winning the office pool, my attention is turned back to where it should be, in the boogie down BRONX.
Soon enough The WORLD CHAMPION NEW YORK YANKEES will raise that Flag , get their rings and start the 162 game journey to October.
By the way…How dope is the THURMAN MUNSON Mcfarlane figure that is dropping this spring.
Yes I still buy Toys!!


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Welcome to the RISC-V Foundation Members Directory. To use this Directory, scroll through the Member Profiles below, click on a specific profile or logo to see detailed information on each member or use the Advanced Search to search by more fields.
Shenzhen Pango Microsystems
Founded in 2013, Shenzhen Pango Microsystems Co., Ltd. is a company that is engaged in R&D, production and sales of programmable logic devices, such as FPGA and CPLD. Our products are preferred by customers in a variety of end markets, including Communication Networks, Information Security, Artificial Intelligence, Data Centers and Industrial Internet.


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This is the first time I've used Doodle (well, it's yet another tool I'd never even heard of before Cam23), and it was a far better experience than I had predicted. It's very simple to set up and uncomplicated to use. I like the way it gives you some hints about how to get the best results whilst you are building your poll. Although I found it easy to use, I'm not sure how much I would use Doodle for meetings within our library. However, I would certainly consider using it if I were trying to organise a much larger meeting with people outside of our library. I'll probably give some of the other suggested tools (meet-o-matic and Tungle.me) a go just to see how they compare.
Next up is Google calendar! I haven't been using a calendar of my own recently, as most of our library schedule is available through our CamTools site. However, I've been using Google Calendar to schedule when to do particular tasks (as well as stuff outside of work) and it's working well! It's less fiddly than my phone calendar, and the email updates are useful. The calendar is fairly simple to use and I've added it to my iGoogle page. As Emma-Jane mentioned in her entry about Google Calendar, I could see it being useful to our library during Michaelmas Term when we have lots of new groups of students coming in to register.


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I pray that the eyes of your heart may be enlightened, so that you will know what is the hope of His calling, what are the riches of the glory of His inheritance in the saints, and what is the surpassing greatness of His power toward us who believe. These are in accordance with the working of the strength of His might which He brought about in Christ, when He raised Him from the dead and seated Him at His right hand in the heavenly places, far above all rule and authority and power and dominion, and every name that is named, not only in this age but also in the one to come. And He put all things in subjection under His feet, and gave Him as head over all things to the church, which is His body, the fullness of Him who fills all in all. Ephesians 1:18-22
Today's thoughts from today's verses:
Let's begin today with these words from our passage, "that you will know." It is extremely important that we don't limit the word "know" to its most common usage, which is "knowing about" something. In "knowing about" something we are dealing merely with information or facts. You hear a weather report that calls for rain, so you "know" it's going to rain and you take your umbrella with you. Let say you go to work and leave your umbrella in the car. At the end of your work day it is pouring down rain and by the time you get to your car you are soaked through by the rain. Now you "know" the rain way beyond "knowing about" the rain. So, on the one hand we have information or facts about rain and on the other hand we have experienced the rain.
When it comes to our Christian lives we often do not experience the truth we know. In other words we know Scriptural truths but they are unlived. It's like God rains down spiritual realities upon us but we stay safely under our umbrella of cognitive knowing and keep ourselves from getting soaked through by the spiritual realities Scriptural truths are intended to generate. This problem is ageless and lies at the heart of the apostle Paul's request, "I pray that the eyes of your heart may be enlightened." In order for us to put down our umbrellas and get soaked through by the rain, we need God's intervention in answer to this prayer.
There are three things that the apostle Paul prays we will know in the way we have just talked about: "the hope of his calling" (1:3-4), "the riches of the glory of his inheritance in the saints" (1:11-14), and the surpassing greatness of his power toward us who believe" (3:16-21). In essence we at talking about becoming "holy" in our actual experience, becoming "the praise of his glory" in our actual experience, and becoming a recipient of his "power" in our actual experience. Ask God to enlighten the eyes of your heart to these spiritual realities as you prayerfully consider them in conjunction with the passages given. May you be soaked through by them and go forward experiencing them consistently and fully day by day.
Today's prayer response from today's thoughts:
Lord, I see and I see you! The spiritual rain that has soaked me through is you as well as the spiritual realities of what you have for me to experience through my experiencing you. I also see that all of this is the out working of your abounding and unfailing love for me. Thank you that you are producing resurrection life in me through the resurrection power of the Holy Spirit. Amen!
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Jigsaw Financial Planning is the most comprehensive, personal and
outcomes focused Financial Planning and Financial Advice service
for pre retirees. small business owners and executives in the
Sutherland Shire.
It is a great feeling, and we want to say how much we thank you for giving us the direction and
inspiration – we couldn't have and wouldn't have done it without your help.
Steve and Trish
Our Strategic Financial Planning service is focused on the Optimisation of your strategy. Taking into account your personal circumstances, goals and objectives.
Call us to book a free consultation 02 9532 0478
The Ten years to retirement is the most important financial phase a couple or single person goes through and you only get one chance to make it right.
Our specialty of course is the local community who benefit from our local expert staff. However we have a substantial client base in the CBD, Northern beaches and interstate.
We manage the wealth of hundreds of families, individuals, businesses and Charities, see some of their stories.


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Unbuilt proposal for John Jay's expansion (Project #9).
River Center/John Jay College Phase II
~40 stories
Rafael Vinoly Architects
Dev-Joseph Korff
Mixed-Use (Commercial, Education, Mixed Use, Residential )
1.3 million Sq. Ft.
Rafael Vinoly Architects
River Center (John Jay College Phase II)
New York, New York, 1999
Commercial, Education, Mixed Use, Residential
130100 sq meters
Since the early 1980s, RVA has been sporadically involved in the revitalization of the far west side of Manhattan between 42nd and 72nd Streets, most notably with the projects for Lincoln West and John Jay College. This proposal for the redevelopment of the remaining area of the block currently dominated by the John Jay building was meant to expand the facilities of the college and provide commercial space beneath an entirely new residential tower.
Although the project never advanced beyond the early stages of programmatic development, preliminary massing studies suggested including three floors of commercial space extending the length of Eleventh Avenues between 58th and 59th Streets. A mixed-income residential tower, of approximately a million square feet, would be located above the commercial space, also on the Eleventh Avenue side. Its higher floors, commanding open views of the Hudson River and the rest of Manhattan, would be reserved for luxury units. A medium-rise building directly to the east of the tower would be connected to the existing John Jay building and would accomodate additional classrooms, offices, and expanded athletic facilities. Its massing was intended to mitigate the transition in scale between the tower to the west and the landmarked 1906 academic building to the east.


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I'm an artist. I'm a hairdresser. I'm proud of it.
After himming and hawing back and forth for my so-far 10 year career, I can say confidently that artist and hairdresser are one and the same.
There was a time that I thought one was better than the other….or that one meant something different. I thought that one was ok to do for a while. Maybe it's because I learned more about 'art' and 'artists' first or maybe because of the stereotypes that sometimes ring true. Artists are deep, pensive, and thought provoking, right? Hairstylists are blonde, dramatic, and self-absorbed, right?? Are these true anymore? Absolutely not.
I've never really talked about my job on my blog…or rather, my career. I suppose I've only written about art and ideas and inspiration for creative projects. I never quite wanted to overlap what I do with who I am. See…the funny thing about being a hair dresser, beautician, hair designer, cosmetologist, barber, service provider, wonder woman…is that, for me, it is more artistic and creative than sitting alone with a painting…THAT is what makes it so difficult and painful at times. It is a constant collaboration with the public and it is intense and extremely gratifying.
I take care of people while I'm on the clock. I am a care-taker. It doesn't end when I clock out, however.
With the evolution of my place in this industry, I want to strive for more artistic insanity. I want to make beautiful, terrible, simple, extravagant, frightening images. I want people to say 'what the fuck?' or 'that's pretty funny.' I'm at a point in my career where I'm ready for change and challenge.
I thought I needed to completely change careers. Certain events have proven that it isn't time for that to happen. I think what I really want is to explore all the education that I can and absorb the amazingness of this industry. I'm at a place where I can do that. I work for a wonderfully supportive salon.
I can put bread on a girl's head and it's hairdressing and it's art. Boom, mothafuckas.


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Project Description
All for life
Hospitals exist because life is precious and fragile. These institutions have a supportive and reassuring role throughout the life of a person: present at the beginning and at key moments, enabling life to go on. The rebranding of Apollo Bramwell Hospital into Wellkin Hospital focuses on the celebration of life. The impactful key visual of a newborn baby sleeping peacefully next to the new identity and tagline 'All for life' created an instant emotional bond with the brand. This celebration of life was further portrayed in print, TV and radio commercials.
We worked on the whole spectrum of rebranding: brand workshops with more than a hundred staff, brand platform, naming, corporate identity development and application, launch event concept and communication campaigns.
Advertising | Branding | Digital & Social Media | Direct Marketing
Lemon DDB,
Cnr Ave des Capucines & Trianon Ave No.1,
P.O Box 88, St Jean,
Quatre Bornes,
E firstname.lastname@example.com


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P.O. Box 997 Even Yehuda, Israel. Tel: +972-54-4283749. email@example.com
To-day's students are tomorrow's leaders Concerned about Israel's image in the academic world?
Did you know?
Students are being educated to isolate and delegitimize the State of Israel.
A number of the "educators" are Israeli academics employed by Israeli universities. Aside from educating their own students with anti-Israel indoctrination they also travel abroad leading the Boycott, Divestment and Sanctions Campaign (BDS) against Israel.
Israeli academics launch the defamatory "Israel Apartheid Week" on University campuses worldwide.
Radical TAU academics in the past year:
If this bothers you please contact us at Israel-Academia-Monitor.com


text: Feedback / Complaints Essentially, there are two types of complaints that we handle as follows: 1) Complaint against an errant retailer regarding an unfair trade practice The Consumers Association of Singapore (CASE) and the Singapore Tourism Board (STB) remain the first points of contact for local consumers and tourists respectively to handle complaints. They have readily available channels, such as online feedback forms, through which local consumers and tourists can obtain assistance. When reporting an errant retailer for unfair trade practices to CASE or STB, please ensure that you have the following documents: Police report (if any); Receipts / Invoice / Delivery order; and Other supporting documents CASE/STB will assist them to obtain redress/compensation by negotiating with the supplier and/or facilitating mediation between parties. Local consumers/tourists can also make a claim in the Small Claims Tribunal (SCT) for claims of up to $10,000 (or $20,000 if both parties give their consent). Alternatively, the CPFTA provides consumers with the right to sue in a court against suppliers for engaging in unfair practices and seek monetary redress or other appropriate remedies/relief. Errant retailers who persist in unfair trade practices will be referred to CCCS for investigation. As the administering agency of the CPFTA, CCCS can gather evidence against the errant retailers, file timely injunction applications with the courts and enforce compliance with injunction orders issued by the courts. 2) Complaint against anti-competitive conduct If you suspect that any business, company, or organisation is engaged in anti-competitive conduct that infringes the Competition Act, please file a complaint with CCCS. Complaints can be lodged if you believe there has been a breach of any of the following prohibitions under the Competition Act: Anti-competitive agreements, decisions or concerted practices (e.g. price fixing, bid rigging, market sharing, output limitation, etc) Abuse of a dominant position (e.g. predatory pricing, tying, refusal to supply, etc); or Mergers and acquisitions that substantially lessen competition (e.g. two competitors with significant market shares merged, etc) Before making a complaint, please note the following: CCCS is unable to provide you with legal advice or provide its views on hypothetical scenarios Complaints may not be pursued if they fall within the specific exclusions, for which CCCS has no powers to conduct an investigation. For more information on exclusions, please click here. Competition matters relating to the following sectors will be handled by the respective sector regulators. These are: - Telecom - Media - Electricity - Gas - Airport please go to Useful Links. If subject matter of your complaint does not fall within the scope of the prohibitions under the Competition Act or CCCS does not have the powers to conduct an investigation into the subject matter of your complaint, we may redirect you to the relevant government agency. File a complaint To file a complaint, you should have the following information ready: Information about you and the organisation you represent (if applicable); Information about the party or parties involved; A brief description of the agreement, abusive conduct or merger that you are complaining about; Any other relevant information and supporting documents. You can submit your complaint to us via the online form, email, post or fax. You are advised to submit your complaint via the online form or email for quicker response. Online Form The online form is a convenient way for you to file your complaint with us. However, our online forms do not support attachments. If you wish to submit supporting documents, we recommend that you email to us directly. Email If you have supporting documents, download CCCS's Complaint Form and email the completed form together with the supporting documents to email@example.com. Please indicate "COMPLAINT" in the subject header. Post You can send the completed CCCS Complaint Form by post at: Competition and Consumer Commission of Singapore 45 Maxwell Road The URA Centre, #09-01 Singapore 069118 (Please mark "COMPLAINT" clearly on the top left hand corner of the envelope so that we can speed up the processing of your complaint). Fax You may fax the completed complaint form to us at (65) 6224 6929. If you have any queries on how to complete the complaint form, you can contact our hotline at 1800 325 8282. Hotline You may contact us at 1800 325 8282. For calls from overseas, please contact us at (65) 6325 8200. Complaint processing procedures We will acknowledge your complaint within three (3) working days, and we will keep you posted on the outcome of your complaint. At the onset, we will check if the subject matter of your complaint falls under the scope of the prohibitions under the Competition Act. If it does not, we may redirect you to the relevant agency. If the subject matter of the complaint is under CCCS's purview, you may be asked to provide further information. If the complaint cannot be substantiated, the matter will be closed and we will inform you accordingly. If the complaint can be substantiated with the relevant information, we will evaluate the impact of the conduct in question you have complained about on competition. We may launch a formal investigation if there are reasonable grounds for suspecting that competition law has been breached by the agreement, conduct or merger (or in the case of anticipated mergers, will be breached if the merger is carried into effect). In deciding whether to launch a formal investigation, we will also take into account our strategic priorities and merits of the case.


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By Patricia Bouweraerts —
More wieldy than intelligence and talent — and even mightier than getting along with others — is grit, the powered side of the force moving a person to fly the hurdles of work and career.
Experts say that grit stands before test scores, socio-economic factors and social intelligence. And grit is the trait left standing.
"In our society, we get caught up in the thought that you have it or you don't," said Erin Frock, counselor at Truckee Meadows Community College.
But that is not what research has shown — abilities can indeed change — people can always continue to learn and grow, she said.
Grit, or resiliency, is the ability to bounce back after something difficult. It is managing failures, being conscientious, setting long term goals to strive for, trying creative strategies and having an optimistic attitude. It is reaching for excellence, but not perfection.
And it is not something people are born with.
Frock said during a January interview that resiliency involves a person growing an inner belief that a first failure is not the ending, but can be a beginning.
"Grit is when you tell yourself that 'if I don't accomplish it this time, I'll try to accomplish it the next time,'" she said. "It is a learned behavior — it goes back to Carol Dweck's theory of talent versus hard work," she said.
Dweck, psychology professor at Stanford University, said during a November 2014 TED Talks presentation that thinking in terms of "yet" gives a person a path into the future.
Studies have proved pushing past the familiar, learning demanding skills, will stimulate new and stronger connections between neurons in the brain. When students were taught they could become smarter — that their intelligence wasn't fixed — they performed more strongly with improving academic grades than those not taught this lesson.
She calls the belief "growth mindset" — one's ability to learn is not fixed, but can be changed with hard work.
And it wasn't social intelligence, it wasn't good looks, physical health, and it wasn't IQ. It was grit. Grit is passion and perseverance for very long-term goals.Angela Lee Duckworth
Angela Lee Duckworth, associate professor of psychology at the University of Pennsylvania agrees. She has also presented some of her research results on TED Talks, during an April 2013 education lecture, "The Key to Success? Grit."
Her team studied which cadets at West Point Military Academy would persist in training and who would drop out, and which children would advance farthest in the National Spelling Bee competition. They tracked beginning teachers working in difficult neighborhoods — to see who would still be teaching by the end of the year and who will be the most effective at improving students' performance.
"We partnered with private companies, asking 'which of these sales people is going to keep their jobs, and who's going to earn the most money?'" she said. "In all those very different contexts, one characteristic emerged as a significant predictor of success. And it wasn't social intelligence, it wasn't good looks, physical health, and it wasn't IQ. It was grit. Grit is passion and perseverance for very long-term goals."
She said that grit is stamina across years — to work hard and live like goals are not a sprint, but a marathon.
Even after ten job interviews and things aren't panning out, it doesn't mean you won't get one. It just shows you need to adjust.Erin Frock
Grit during job interviews
When going through the job interview process and experiencing setbacks or rejection, Frock recommends that a person's outlook can be turned around. It presents an opening to think differently or to find new information.
"Keep in mind that every job application and every job interview is a chance to develop your skills," she said. "Even after ten job interviews and things aren't panning out, it doesn't mean you won't get one. It just shows you need to adjust. 'Could I be adjusting this or improving that?'"
Many times a job candidate may think they don't have enough talent to land the dream job they are applying for. Duckworth said during her talk that success in the long run may not be about talent.
"What I do know is that talent doesn't make you gritty," she said. "Our data show very clearly that there are many talented individuals who simply do not follow through on their commitments. In fact, in our data, grit is usually unrelated, or even inversely related to measures of talent."
Having grit will not block changes in direction
Sometimes when reaching toward an academic degree or a new career goal, a person may start to sense that they might change directions. Frock said that grit will not keep the initial goal too firmly locked up or impede a needed change in focus.
"Grit can help you find your better path, not just to fail and quit," she said.
Resiliency while stressed at work
When thinking about a difficult period of time at work, or an issue that tests patience, Frock said that the more specific a person can think about the problem, the better.
Generalizing the difficulty across more of your personality overall than it needs to apply to can make it harder to troubleshoot strategies. Spreading out the problem to become an all-encompassing issue can make the barrier seem too large or overwhelming, when it is often a more specific challenge.
"The ability to realize that it doesn't mean in this instance I'm not a good employee, or a better person," she said. "We can't get through life without adversity, so we can use it to learn and grow. Make it a specific obstacle. It just means there's a bump in the road and we have to figure out how to keep going."
Help others develop grit
It may be harder for children of "helicopter parents" to develop grit, because kids aren't able to experience recovery from small failures – their parents just don't let them fail. Instead, young people allowed to fall and then pick themselves up to have another go at a project will learn that failure isn't the end.
"If I fail, that doesn't mean it's over," she said.
Also, family and friends can help a person in developing resiliency.
"Role modeling, language, or behavior of influential people in your life – we can all be influenced by that," she said.
Dweck has researched the brain activity of people reacting differently to making mistakes. One study at Michigan State University tested the responses of research participants wearing caps which picked up Electroencephalography (EEG) signals.
"Scientists measured the electrical activity from the brain as students confronted an error," she said in her TED Talks presentation. "On the left you see the fixed mindset students. There's hardly any activity. They run from the error. They don't engage with it. But on the right you have the students with the growth mindset – the idea that abilities can be developed. They engage deeply. Their brain is on fire with 'yet.' They engage deeply. They process the error. They learn from it and they correct it."
She believes that a growth mindset can be developed by engaging in activities that encourage effort, focus, improvement, strategy, progress and process instead of correct answers. Her studies have shown that if process is rewarded, more effort, perseverance, strategies, and engagement over long periods of time have resulted.
A fixed mindset can be changed into a growth mindset, she said.
Difficulty should not be thought of as indicating a failure, or a dumb mistake, or that one should give up – instead, effort and difficulty need to be looked at as meaning things that will make you smarter, she said.
Resiliency will create success in many parts of life
A personal survey to assess your present level of grit is posted by Duckworth as a printable PDF file on www.sas.upenn.edu. Directions are provided for a suggested scoring scale.
Frock said that a person can develop a habit of resiliency by:
- Writing a goal
- Write all the benefits to achieving your goal
- Write all the barriers to achieving your goal
- Write an "if-then" plan for each barrier
She also recommends a book and an app called "WOOP". WOOP stands for wish, outcome, obstacle, and plan. This process is another way to help build unconscious associations for successfully overcoming obstacles.
Can a person ever have too much grit, or resiliency? Frock says no — it is an important characteristic to develop in many different parts of life — from school to career to personal goals.
"I personally believe that resiliency can help you be successful in all areas of your life, whether it is school, career, hobbies, or relationships," she said.


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EA-01-020 - District Hospital Partners
March 22, 2001
Mr. Tom Moser
Chief Operating Officer
District Hospital Partners
c/o The George Washington University Hospital
901 23rd Street, Suite 2500 N
Washington, DC 20037
|NOTICE OF VIOLATION (NRC Inspection Report No. 030-09049/00-002)
Dear Mr. Moser:
This refers to the NRC inspection conducted on July 10, 2000, at your facility in Washington, DC to review the circumstances associated with the misadministration of cesium-137 to a patient at your facility on June 14 – 15, 2000. The misadministration was reported to the NRC by your staff on June 22, 2000. The inspection was continued in the Region I office through January 30, 2001, to review other information including the results of a report from the NRC medical consultant. The consultant reviewed the circumstances and significance associated with the misadministration. During the inspection, one apparent violation of NRC requirements was identified. The apparent violation was described in our inspection report sent to you on February 13, 2001. On March 12, 2001, a predecisional enforcement conference was held with you and other members of your staff to discuss the apparent violation, its causes, and your corrective actions. A copy of the enforcement conference report is attached.
Based on the information developed during the inspection and the information obtained during the predecisional enforcement conference, a violation of NRC requirements is being cited. The violation is described in the enclosed Notice of Violation (Notice) and the circumstances surrounding it are described in detail in the subject inspection report. The violation involved the failure of your Quality Management Program (QMP) to include a procedure to ensure that brachytherapy applicators were adequately secured during treatment so that the intended site receives the prescribed exposure. As a result, a cesium-137 brachytherapy source was displaced during treatment, resulting in a misadministration since there was a 50% increase in exposure to an unintended site. Although this event also initially resulted in a 30% decrease in dose to the intended site, your staff subsequently administered additional dose to the intended site, via a second fraction of the treatment. As a result, the actual total dose given to the intended site was the appropriately prescribed dose.
You stated at the conference that the patient's subsequent complications were of the type typically observed as side effects with this type of treatment. However, the NRC, based on its consultant's review, has concluded that the misadministration was a probable cause of the complications experienced by the patient. Due to the inadequacy in your facility's procedure for securing the brachytherapy applicator, as well as the failure of your staff to recognize that the applicator had moved until approximately 6.5 hours later, this finding represents a programmatic weakness in the implementation of your QMP which resulted in the misadministration. Under circumstances where the problem is programmatic, the violation is categorized as a Severity Level III problem in accordance with the "General Statement of Policy and Procedures for NRC Enforcement Actions" (Enforcement Policy), NUREG-1600 (May 1, 2000 (65 FRN 25368)). The Enforcement Policy is available at the Office of Enforcement website.
In accordance with the Enforcement Policy, a base civil penalty in the amount of $2,750 is considered for a Severity Level III violation or problem. Because your facility has not been the subject of an escalated enforcement action within the last two years, the NRC considered whether credit was warranted for Corrective Action in accordance with the civil penalty assessment process in Section VI.B.2 of the Enforcement Policy. Credit for corrective actions is warranted because your corrective actions, at the time of the predecisional enforcement conference, were considered prompt and comprehensive. These actions included, but are not limited to: (1) revisions to your Quality Management Program to require double sutures to secure the applicator; and (2) providing more specific guidance in your department procedures for brachytherapy to include securing the applicator, verification that the applicator is secure, visual checks of the patient on a more frequent basis, marking the location of the lower end of the applicator on the patient's leg(s), and recording required information on the patient's chart.
Therefore, to encourage prompt and comprehensive correction of violations, I have been authorized to not propose a civil penalty in this case. However, similar violations in the future could result in further escalated enforcement action. In addition, issuance of this Notice constitutes escalated enforcement action, that may subject you to increased inspection effort.
The NRC has concluded that information regarding the reason for the violations, and the corrective actions taken and planned to correct the violations and prevent recurrence, were already described adequately during the enforcement conference, are adequately addressed on the docket from previous correspondence, or are included in this letter. Therefore, you are not required to respond to this letter unless the description herein does not accurately reflect your corrective actions or your position. In that case, or if you choose to provide additional information, you should follow the instructions specified in the enclosed Notice.
In accordance with 10 CFR 2.790 of the NRC's "Rules of Practice," a copy of this letter and its enclosure will be available electronically for public inspection in the NRC Public Document Room or from the Publicly Available Records (PARS) component of NRC's document system (ADAMS). ADAMS is accessible from the NRC Web site at the Public NRC Library.
|/RA/ James T. Wiggins Acting For
|Hubert J. Miller
Regional Administrator
Docket No. 030-35424
License No. 08-30607-01
Enclosure: Notice of Violation
cc w/encls: District of Columbia
|District Health Partners, L.P.
George Washington University Hospital Washington, DC
|Docket No. 030-35424
License No. 08-30607-01
During an NRC inspection conducted on July 10, 2000, at the licensee's facility in Washington, DC, and continued in the Region I office through January 30, 2001 to review the NRC's medical consultants report received on that date, one violation of NRC requirements was identified. In accordance with the "General Statement of Policy and Procedure for NRC Enforcement Actions," (Enforcement Policy), NUREG-1600, the violation is listed below:
10 CFR 35.32(a) requires, in part, that the licensee establish and maintain a written quality management program to provide high confidence that byproduct material or radiation from byproduct material will be administered as directed by the authorized user.
Pursuant to 10 CFR 35.32(a)(4), the quality management program must include written policies and procedures to meet the specific objective that each administration is in accordance with a written directive, which is defined in 10 CFR 35.2.
Contrary to the above, as of July 10, 2000, the licensee's quality management program did not include a written procedure to ensure that each administration is in accordance with a written directive. Specifically, the licensee's QMP did not include a procedure to ensure that the brachytherapy applicators were adequately secured during treatment so the intended treatment site receives the prescribed treatment and other sites receive the the planned dose. As a result, the applicator moved during the treatment of a patient on June 14 through 15, 2000. This unintentional movement of the source applicator resulted in a misadministration because the patient received a dose of 1120 cGy, instead of the planned dose of 648 cGy, to an unintended site.
This is a Severity Level III violation (Supplement VI).
The NRC has concluded that information regarding the reason for the violation, the corrective actions taken and planned to correct the violation and prevent recurrence, and the date when full compliance was achieved, is already adequately addressed on the docket in previous correspondence from the licensee, or in the letter transmitting this Notice which summarizes the information provided during the enforcement conference. Therefore, no response to this Notice is required. However, you are required to submit a written statement or explanation pursuant to 10 CFR 2.201 if the description therein does not accurately reflect your corrective actions or your position. In that case, or if you choose to respond, clearly mark your response as a "Reply to a Notice of Violation," and send it to the U.S. Nuclear Regulatory Commission, ATTN: Document Control Desk, Washington, DC 20555 with a copy to the Regional Administrator, Region I, within 30 days of the date of the letter transmitting this Notice of Violation (Notice).
If you choose to respond, your response will be made available electronically for public inspection in the NRC Public Document Room or from the Publicly Available Records (PARS) component of NRC's document system (ADAMS). ADAMS is accessible from the NRC Web site at the Public NRC Library. Therefore, to the extent possible, the response should not include any personal privacy, proprietary, or safeguards information so that it can be made available to the Public without redaction.
Dated this 22nd day of March 2001


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|Sponsored by the HealthcareTrainingInstitute.org providing Quality Education since 1979
Ethical and Cultural Issues Arising from the Psychology of Terrorism
New Content Added: To update the content we have added Terrorism & ISIS and Cultural Diversity information found at the end of the Table of Contents.
Concerning your Professional Code of Ethics, as you know, a mental health practitioner is to exhibit a non-judgmental attitude. However, ask yourself: when such heinous crimes against humanity are committed, where and how do you set an ethical boundary in your own mind regarding revealing your personal feelings or judgments to your client?
On this track, we will look at a case study as to how one therapist handled this ethical conflict. We will also examine the first of five tools for treating clients who are affected by terrorist acts. Tool number one is providing your client with factual information about the psychology of terrorism and a discussion of ethical questions that can arise.
In sessions she would continually ask what could the terrorists have been thinking? How could they do this? The therapists found it helpful to provide her with some factual insights into the motivation for terrorism to answer her question, "How could they do this?"
Five Tools for Treating Clients Who are Affected by Terrorist Acts
...Many of the terrorists involved in the September 11th attack were young or vulnerable individuals who were convinced by a charismatic leader that the terrorist attacks were a way to 'fight the good fight'. This coercion resulted in these individuals truly believing that they were doing God's work, and acting in the best interests of their faith and their community." Ask yourself, would this explanation assist a client you are treating in their grief response to terrorist acts?
Today, however, violence is necessary because the new age must be ushered in. In the world of terrorism, the promise of things to come justifies the crimes of today. Let me repeat that sentence again, because with Mildred the therapists found it helped to simplify an answer to her need for a "reason why," while maintaining a culturally-sensitive stance. In the world of terrorism, the promise of things to come justifies the crimes of today. When clients ask you why or how these terrorist attacks could happen, I find that one sentence captures a core motivation.
Think of your Mildred. Would explaining terrorism in the context of a more familiar issue help lessen his or her anxiety during your discussion of terrorist motivation and organization?
Are you ready for question number one? Each question will be followed by a musical tone which signals you to turn the CD player off and answer the question in your Test.
Online Continuing Education QUESTION 1: In the world of terrorism, the promise of things to come justifies what? To select and enter your answer go to CEU Test.
Others who bought this Terrorism Course
also bought…
CEU Test for this course | Terrorism
Forward to Audio Track 2
Table of Contents
CEU Continuing Education for
Psychologist CEUs, Social Worker CEUs, Counselor CEUs, MFT CEUs


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[tweetmeme] Resetting cultural norms is an important weapon in the move to a sustainable economy. It is partly a design challenge and partly a cultural myth-making challenge. The myth-making challenge is the province of marketeers, but must be founded on a genuine product.
Reagan's opponent in the 1984 presidential election was former Vice President Walter Mondale. With questions about Reagan's age, and a weak performance in the first presidential debate, it was questioned whether he was capable to be president for another term. In the second debate held in Kansas City, Missouri, October 21, Walter Mondale asked:
I want to raise an issue … in national security terms. You already are the oldest President in history. And some… say you were tired after your [debate]… President Kennedy had to go for days on end with very little sleep… Is there any doubt … you would be able to function in such circumstances?
I am not going to exploit, for political purposes, my opponent's youth and inexperience… it was Seneca or… Cicero… that said, `If it was not for the elders correcting the mistakes of the young, there would be no state.'
To great Laughter and applause Ronald Regan had reset the cultural norm of age as a liability, to age as wisdom. A very wise move indeed.
In 2007 Droga5 conceived of the Tap Project. It was based on a simple, tangible and easy-to-implement concept: restaurants would ask their patrons to donate $1 or more for the tap water they usually enjoy for free, and all funds raised would support UNICEF's efforts to bring clean and accessible water to millions of children around the world. Cleverly the project was started in New York City – a place where dining out is a daily occurrence.
A brilliant piece of resetting something that we take for granted.
We'll see more and more products and services that solve our sustainability problem in the future, and some of those will be genuinely game-changing. They'll need cultural norms reset: We have the expertise to do it.
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Not sure what you need? Let us help you
Care Series
At Muc-Off we're big into being active. Whether it's on a mountain, trail or at the skate park, we just love to be outside and going big. We're obsessed with making the most innovative care products around to keep you and your toys running at their maximum and making them look like new when you're done!


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Category: Locksmiths
Address: 9 Allerdale Road, Clayhanger, Walsall, West Midlands, WS8 7SA
Telephone: 07970 7...
Website: www.slsmidlands.co.uk
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SLS Midlands Ltd. is owned and managed by fully qualified and highly experienced locksmith Steve Lewis, who has built an enviable reputation for excellent service across the area. For your complete peace of mind, SLS Midlands Ltd. are accredited by the Guild of Master Craftsmen, are members of the Walsall Trade Register and also members of the United Kingdom Locksmiths Association (UKLA), as well as being recommended by 'The Best of Walsall'.
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07970 750756 24/7 Emergency Locksmiths and Property Maintenance Services :: Walsall, Cannock, Lichfield
Trade Bodies / Associations Guild of MasterCraftsmen Walsall Trader Register Best if Walsall UKLA
Specialist Services Non Destructive Entry
Monday to Sunday
09:00 to 17:30


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We are in the business of helping people: we provide client support and technical issue solutions for the clients who need it. Therefore we are looking for colleagues who are self motivated, detail-oriented and well organized, with excellent communication and interpersonal skills.
• Provide support, including procedural documentation;
• Respond within agreed time limits to call-outs;
• Work continuously on a task until completion (or referral to third parties, if appropriate);
• Prioritize and manage many open cases at one time;
• Establish a good working relationship with customers and other professionals
Because we believe in lifelong learning and professional development we offer:
-Private medical insurance;
-Account to online library;
-Meal Tickets;
-A 7card Subscription;
-Incentives and also bonuses for our employees – financial and non-financial;
-Salary increase based on seniority;
-The opportunity to take your career to the next level and apply for a middle/ upper management position in CGS;
-Your own star in CGS Walk of Fame for bringing innovation and a fresh perspective in our company.
CGS is an American outsourcing company, owning one of the largest support centers on the Romanian market. CGS is listed in the first 15 best companies of its kind in the world; meanwhile, our client portfolio includes company in Forbes Top 500, as well as top European companies.
We offer extensive training sessions and we stand for promoting people from within: more than 90% of out managers started in our company on entry-level positions.
As an employee of CGS you may choose to have a flexible schedule, with the possibility to work full time or part time according to your availability. We also provide an attractive package (salary, health insurance, performance bonuses, food coupons and other benefits)
In CGS we appreciate performance, involvement, leadership skills, and being a pro-active team member. Join our team: if you think you fit the profile, than we are looking forward to meeting you!
Aflati mai multe despre politica de confidențialitate CGS cu privire la prelucrarea datelor dumneavoastra personale : http://romania.cgsinc.com/wp-content/uploads/2018/05/CGS-GDPR-Candidate-privacy-policy-RO.pdf
De la 1 octombrie 2019, te informăm că site-ul eJobs.ro nu va mai putea fi accesat prin browser-ul Internet Explorer din cauza funcționalităților reduse ale acestuia. Accesează-ne cu încredere folosind unul dintre browserele mai moderne: Google Chrome, Mozilla Firefox, Safari sau Edge.Am înțeles


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I've been rather hooked on Tonic's 'Lemon Parade' album. Just brings back so many memories of being young…and carefree. I loooooooove the nineties.
I wish I'd seen you as a little girl
Without your armor to fend off the world
I would have kept you underneath my wing
I would protect you from everything
Make way for the lemon parade
Make way for my girl
Make way for the lemon parade
Make way for my girl
Did the boys all tease you when they had the chance
Always left standing when it came time to dance
Did you hide behind your books girl
Did you find your secret friends
Always I'll want you
Always 'till the end
Make way for the lemon parade
Make way for my girl
Make way for the lemon parade
Make way for my girl
It's been awhile since i wrote something but life's been moving along. A little too fast for my liking. But i thank God that this life is to be lived anyway. I'm thankful and glad.
Revelation of the day:
Been pondering about something Elder PH mentioned at service yesterday. Those stories where Jesus did miracles in the book of Mark for example? He always told the person he redeemed/ healed/ rescued…to not tell anyone about what He had done. It's because Jesus wanted people to know Him. Not what He can do. Without prior knowledge to what we can receive from Him, He offers us the privilege to know who He IS, and who WE are in Him. We can only pray the will of God when we know who He is through His word. Totally. Blown. Away.
The revelation i caught? Jesus prolly didn't want people to know what He had done for the others because then there's this expectation of what He can do or has done before. Talk about managing expectations if Jesus decided to heal you differently. Or took His time about it. Or deciding not to at all. I'd like to believe Jesus liked giving surprises. Like turning water into wine. No one likes reading the ending of a story before going through the entire book. We humans constantly ruin it for ourselves. Our part is to pray. Our story is the journey through those praying times. Time and time again, Jesus just proves that it'll be worth it. If only we would wait.
Definitely upping in prayer. Amazing how when we decide to do something, like praying more, encouragements come in oh, so many forms :) I'm waiting.
Hello you. I'd like to get to know you. Would you spend some time to do the same? :)
Can't wait to dive this weekend. I'm in need of some me-time. Maybe then this curiosity will loosen its hold. Distraction after all, is the best way to turn something off. I'm going to try distracting myself by praying :)


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Whether you care about providing access to affordable health care, reducing the gun violence that plagues our schools and communities, protecting voting rights, achieving equal pay, or solving the urgent threat of climate change, there is a fundamental structural barrier that prevents progress: rigged electoral maps drawn with surgical precision by politicians to preserve their party's political power and silence the will of the people.
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What would a bag of Bob Dylan-themed potato chips taste like?
The question isn't necessarily an appetizing one, but it did feed our imaginations yesterday when it was (woefully) misreported that a Chinese company, purported to be selling such a snack, was in fact selling nothing of the kind.
Does the packaging look like potato chip bags? Yes. But is the packaging potato chip bags? Well, yes.
As company's website rhetorically ponders, "What is the most popular thing?", before revealing, "We chose the 'potato chips.'" Can't argue with that. And thus, books of Chinese translations of Bob Dylan lyrics are currently being sold in potato chip bags in China.
The lyrics are apparently pulled from the comprehensive tome, Bob Dylan: The Lyrics (1961–2012), the Chinese publisher invited 15 of China's most esteemed poets and musicians to assist in translating the text. The lyrics are divided among eight separate pock-sized books that come packaged in their own specific chip bag.
But, according to the website, you also have the option of purchasing the entire collection of books, which come collectively packaged in a miniature, '60s-style retro suitcase. It isn't clear whether the suitcase comes filled with eight chip bags, but I admit I love the idea of carrying around a snazzy suitcase filled with kids' snacks.
While it isn't exactly widely known, Bob Dylan enjoys a sizable fanbase in the People's Republic of China. This is more than a little ironic, considering Dylan's stature as a protest figure and the Republic's entrenched conformism and penchant for censorship.
Dylan first played Beijing in 2011, drawing criticism stateside, accusing the veteran antagonist of self-censoring his set—claims that he refuted in an open letter.
In other Dylan-related news, it was reported earlier this week that the legendary folk bard has finally delivered his Nobel Prize acceptance lecture. The mind churns in wonder of what sort of scrumptious packaging the transcript of the address could be sold in.
Also, a special hat-tip to the creative geniuses at FLOOD for their exquisite list of fictional Bob Dlyan potato chip flavors. Highlights include "Tangled Up in Bleu Cheese" and "It Ain't Grease Babe." Do enjoy.
In the meantime, if you have a specific craving for musician-sanctioned treats, there's always rap snacks.


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Monday, November 05, 2007
Unqualified Remarks (Desire--Genre-Style)
Four legs, two legs, three legs--on time and the procession or sequence of desires. Generic desires may change but don't age, do they? Marcello Mastroianni loves nubile Stefania Sandrelli, but the camera shifts and her feet show us where her heart lies. So the channeling of desire goes. (Genres live on--"more of the same"--because desires don't go away, including the desire to see a form implemented, a narrative retold, an itch scratched.) What's a genre? A series of tropes, or (go visit Ryland for more of this) a medium in itself, to be played with and worked out. Insofar as genre exists, and insofar as a genre has rules (e.g., that pomo marketing gimmick that makes me cringe 75% of the time it's used--"this work subverts its genre"), the rules are like those of a game, a sport: we know what we're going in for, there are some things we expect to see, some things we expect reasonably not to see, and sometimes we're suprised, and we're moved or perhaps not, and that's that. We'll partake once, we'll partake again. The rules of genre certainly don't seem to operate like regulations or doxa ...
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I just saw Seduced and Abandoned last Tuesday. Germi's film was not the comedy I was expecting, but an attack on a male dominated, and not simply Italian, culture.
- ZC said...
I haven't seen Seduced and Abandoned yet, in fact I just missed the NYC Germi retrospective (busy, broke--still a damn shame on my part!). But yeah, Germi's not at all just some sexy-fun hack, is he?
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I've been posting more pastry recipes than usual here lately. No heavy hitters, like crème brûlée (you can typically find me making those at work). When I'm home, I like to bake simple. When I'm not tasked with blind-baking 8 tarts or 32 perfectly set butterscotch pots de crème, I take it easy. Granola, quick breads, healthy-ish muffins – not exactly French pastry, but in real life most people aren't (and quite frankly, shouldn't be) eating croissants everyday.
These hazelnut-pear muffins have been in my mental recipe file for awhile. You know when you see a recipe, and then all of a sudden, you see it everywhere? That seemed to be the case with the hazelnut/pear combination. I didn't want a sugary cake-like muffin, rather I was going for something a bit more wholesome (does that word even exist anymore?) I eschewed my brown butter tendencies in lieu of coconut oil and a generous pour of pure maple syrup. A couple bruised red pears perked right up when folded into the dark, spiced batter. Lemon zest is the secret here. I used Meyer lemon, which has a hint of tangerine flavor, and that bit of citrus added the right amount of interest. Don't skip the sprinkle of crunch, either. Fish around in your pantry for something, anything, crunchy. Seeds, nuts, grains, they it all add much-needed texture.
These muffins are not flaky French croissants, but they make an excellent late-night or morning snack. Perfect for fueling me through a marathon tart-making session.
Toasted Hazelnut-Pear Muffins
I love these not-too-sweet muffins with a almond-milk latte or cup of tea.
Makes 6 muffins (recipe doubles easily)
- Nonstick baking spray
- ¾ cup hazelnut meal*
- ¾ cup whole-wheat pastry flour**
- ½ teaspoon baking soda
- ½ teaspoon baking powder
- 2 teaspoons cinnamon
- ¼ teaspoon nutmeg
- Pinch ground cardamom (optional)
- ¼ teaspoon salt
- 1 large egg
- 1 teaspoon lemon zest (try Meyer lemon)
- ¼ cup pure maple syrup
- ¼ cup coconut oil, melted if solid
- ¼ cup + 2 tablespoons milk (any type, I used a vanilla almond milk)
- 2 medium ripe pears, cored and diced into 1/2″ thick pieces
- 3 tablespoons raw amaranth, millet, quinoa, ground flax, rolled oats, hazelnut meal, chia or a combination
*Bob's Red Mill makes a great hazelnut meal. If you'd rather, try making your own by grinding hazelnuts in a food processor until powdery (don't go too far or you'll get hazelnut butter!)
**While I haven't tested it, I expect you could swap in a gluten-free all-purpose flour here. I like Thomas Keller's Cup4Cup.


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By Marcus Richardson: WBO light heavyweight champion Nathan Cleverly (24-0, 11 KO's) is having to settle for a fight against #9 WBO Vyacheslav Uzelkov (27-2, 16 KO's) on October 27th instead of much bigger fights against Carl Froch, Bernard Hopkins, Tony Bellew and Beibut Shumenov. Cleverly's promoter Frank Warren attempted to line up a fight between Cleverly and each of those fighters but they either showed no interest in facing him or they backed out.
Warren said to thesun.co.uk "A huge purse was put to Froch to move up a weight division — which he turned down — and Bellew rejected the offer of a rematch. It's proved frustrating. We had Hopkins lined up and then he pulled out, while Shumenov didn't want to come over."
Cleverly and the 33-year-old Uzelkov will be meeting up at the Motorpoint Arena, Cardiff, Wales, United Kingdom. It'll be a home fight more or less for the 25-year-old Cleverly, although he probably won't need the cheering from his fans in order to get past Uzelkov. All it'll take is a good chin to hold up under Uzelkov's occasional big right hand shots and a steady workrate to beat him down.
Cleverly is interested in a unification bout against WBA light heavyweight champion Beibut Shumenov. Cleverly hasn't shown a lot of interest in facing WBC light heavyweight champion Chad Dawson, however. Cleverly wants a fight against former WBC light heavyweight champion Bernard Hopkins. It's a big named fighter that Cleverly could possibly pick up a scalp against, but it doesn't look like Hopkins is too interested in facing Cleverly either.
For Cleverly to get to the point where he's popular enough to get the bigger named opponents to fight him he's going to have to stop fighting guys like Tommy Karpency and Uzelkov, and instead focus on getting the quality opponents, even if it means that he has to pay them more to get them inside the ring. Cleverly could really help himself if he were willing to travel to the United States to fight a lot of these guys. The fights would be a lot easier to put together if he were willing to travel outside of the UK to make important fights happen.


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Faculty, Students Contribute to Traveling Vietnam Wall Memorial Event
The AVTT Traveling Wall recently came to St. Louis from Texas, provided by American Veterans Traveling Tribute.
Webster University School of Communications professor and Webster-Kirkwood Times editor Don Corrigan was instrumental in bringing the Vietnam War Wall exhibit to the area.
The Wall was open for public viewing at Lindbergh High School from June 13-16.
Ceremonies were held each day of the exhibit. Corrigan, a Show-Me Hero Salute committee member, served as master of ceremonies for the Wall's opening on Thursday, June 13.
Corrigan also teaches a course at Webster called Vietnam and the Media.
Read more about the Vietnam War Wall exhibit in St. Louis and Corrigan's participation here.
Two Webster University students, currently interns for the Webster-Kirkwood Times, contributed to the blog for the Show-Me Hero Salute website on the Wall events: Megan Favignano, who will be editor of The Journal in Fall 2013, and transfer student Holly Shanks.
Click to view their blog posts from Thursday and Friday, and to view more photos from the event.
Category: Faculty, Student Affairs and News


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1. There are 2 options available so your child does not need to bring money to school for lunches.
a. Special Card – Price $40.00
This card entitles student to only buy the daily special ($4.00 ) x 10 plus one free lunch. This helps to make sure that the student is eating a nutritious lunch every day.
b. Lunch Card – Price $20
This card entitles the student to purchase whatever they would like in the cafeteria. The item is marked off the card with each purchase.
Both cards are kept in a file box in the cafeteria so they do not get lost. The cards are available for sale in the cafeteria preferably before the school day starts.
Of course, cash is always an option.
Specials will also be posted in the daily announcements and on the bulletin board outside of the cafeteria.


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Fears that the Co-operative Bank, now controlled by hedge funds, may drop its much-trumpeted ethical policy has prompted some of its 4.7m customers to consider seeking out alternative green and socially responsible financial institutions.
The wider Co-operative Group has said it remains committed to preserving the bank's ethical focus, but the former boss of the wider Co-op Group, Peter Marks, this week told MPs that in his opinion, the ethical label could not apply to the bank any more.
A glance at Twitter and the letters pages of newspapers indicates many customers feel the same way. Last night, an online campaign was launched to "save our bank" and make sure it "sticks to its principles". Using the website saveourbank.coop, the campaign is backed by Ethical Consumer magazine and is appealing to customers to hold fire on switching away. "Sign up to our campaign instead. Then, once we are in our thousands, let's see if they are prepared to listen. We have two big aims: to protect the values and ethics of the bank, and – in time – to help it return to mutual ownership," it states.
Those determined to leave the Co-op Bank, but who do not want to give their money to one of the big four banks, may be pleased to discover there are other ethical options available. However, ethical finance experts pointed out that a lot depends on an individual's personal priorities and areas of concern. One person's absolute no-no issue is another's shrug of the shoulders, which is one of the reasons why it is impossible to provide one-size-fits-all recommendations.
The website of banking campaign group Move Your Money UK gives all the main banks and building societies a "switch score" out of 100 based on assessments of their honesty, customer service, culture, impact on the economy and ethics.
These five categories take in everything from customer satisfaction levels and the number of PPI mis-selling cases to the proportion of women on the board and the use of tax havens. The information used to determine the scores was compiled three months ago by Ethical Consumer.
For current accounts, the top-scoring institution is Carlisle-based Cumberland building society. However, its current accounts are only available to those living within its branch operating area, which rules most people out.
In joint second place is a bank that most people have probably never heard of: Reliance Bank, originally known as the Salvation Army Bank. Reliance offers a range of products including a fee-free current account that comes with a Visa debit card, cheque book and paying-in book, and offers all the usual facilities – online and phone banking, the ability to set up direct debits and standing orders, monthly statements and so on. But the "Sally Army" connection will not be to everyone's taste. The bank says: "Our investments are made within strict ethical boundaries, and our profits are used to further the Salvation Army's evangelical and charitable work."
Building societies such as Nationwide and the Coventry feature heavily in the Move Your Money list, as does Metro Bank – a relatively new arrival with branches in the London and M25 area; Handelsbanken, the UK arm of the Swedish bank of the same name, and the Islamic Bank of Britain, which calls itself the UK's only wholly sharia compliant retail bank but is keen to strees it is "an inclusive, ethical organisation, and welcomes customers of all faiths".
For those looking for a new home for their savings, the choice is wider, as there are several ethical institutions that don't offer current accounts but do have a choice of savings accounts. In the savings category, Ecology building society took Move Your Money's top spot with a score of 100 out of 100. Based in Keighley, West Yorkshire, the society uses the money put into its savings accounts to offer sustainable mortgages for properties and projects that respect the environment – but because the society has in recent months been inundated with people looking to move their money to a more ethical institution, there is now only one account open to non-member individual savers: Foundations Share, paying 1%.
Meanwhile, Charity Bank lends only to charities, social enterprises and community organisations. It closed its ethical cash Isa to new customers in April 2013 "due to unprecedented levels of new savings," but has other accounts, including one aimed at under-16s which pays 2%.
As things currently stand, the Co-op Bank is still the only high street bank with a clearly articulated ethical policy covering a range of issues, from human rights and the arms trade to genetic modification and animal welfare. Euan Sutherland, the boss of the Co-operative Group, which spans supermarkets, grocers and funeral homes, insisted that the ethical stance will be more ingrained in the bank than in the past.
"This bank will remain the Co-operative Bank. We are embedding the Co-operative principals in the constitution of the bank to guarantee this," he said.
The formal ethical policy was first launched in 1992 and it is signed by the bank's values and principles committee, chaired by a Co-operative Group board member, Herbert Daybell, a retired publisher.
As a result of the policy, the bank turns away £100m of business a year – a test of its ethical stance in the future perhaps.


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Now that the dust has settled the rest of the world can learn a lot from the hilariously disastrous #askthicke twitter campaign. Robin Thicke is back teaching us things again! First it was how not treat women with the "hit" blurred lines. Now Thicke and VH1 show us exactly how to NOT run a PR campaign.
Imagine you have a pitbull, and you're a terrible person. You treat the dog poorly, abuse it, and train it to be aggressive. Then the dog bites you and you are SHOCKED that this happened. This is essentially how the #askthicke campaign went down. Whoever at VH1 thought this was a good idea either: A) had no idea who they were dealing with or B) had no idea how the internet works. The internet is a mean beast and if you kick it and then stick your hand out, don't be surprised when it bites you. I think this is how they expected it to go. "#askthicke what is your favourite colour" "#askthicke when are you going on tour" "#askthicke omg will you marry me??".
See the gallery to see how it really went:
Things we can learn about PR on Social Media from this
1) Know who you are working for! If you are working for someone who is loved by the masses than engaging with your audience is a given. They will be saying great thinks because they like who they are saying them to. This just further establishes that your client is a good person. People who did not know this before will certainly know now. If your client is not revered by the general public (ie. Robin Thicke) do not engage with the public in a way that they can respond as they so choose. Guess what? If people don't like your client, they won't be saying good things about your client. Much like a likable client, people who didn't know your client before will be influenced by what the public is saying. So rule of thumb: If the public doesn't like your client, don't give the public a median to show this dislike.
2) Know your audience! When it comes to PR it helps to know who you're sending campaigns out to. Had the #askthicke campaign been focused on frat boys for example, it probably would have done significantly better. Instead the campaign went out to the general public and spread like wildfire. When it comes to the typical frat boys 9 out of 10 probably think Thicke is awesome, but when it comes to the general public only about 1 out of 10000 think Thicke is great. Therefore expecting a positive response from a group that hates your client isn't likely.
3) Be wary of the internet! The internet does not forget and the internet does not forgive. Ask me anythings or AMAs are a great way to engage with fans and help build up personal brands. However, if you are famous and have a skeleton in your closet than people will use this against you when given the opportunity. Numerous AMAs have went from casual to disastrous in seconds when an 'asker' outs the host for something in the past, exposing it to a large audience. Therefore, if you have something to hide don't stick your hand in the cage with the beast that is the internet.
With what Robin Thicke lacks in morals and character he makes up for in valuable lessons on how not to do things. It is one thing to learn how to do something right but it is equally important to learn how not to do it horribly wrong.
Thanks for reading,